Design, development, and implementation of software for providing financial services; Platform as a service (PAAS) featuring computer software platforms for Video Banking as a Virtual Branch; Providing a secure electronic online system featuring technology which allows users to engage their financial institutions virtually; Providing information relating to on-line non-downloadable software to facilitate electronic communication between individuals provided via the Internet; Providing on-line non-downloadable software for financial institutions to engage customers virtually via Video Banking and sign documents electronically; Providing online non-downloadable computer software platforms for providing diaspora banking services; Software as a service (SAAS) services, namely, hosting software for use by others for customer service and customer relationship in the financial industry