Embedded finance services; Platform as a service (PaaS) services featuring computer software platforms used to provide banking services, debit card services, checking and savings account services, ATM banking services, electronic funds transfer and payment services, lending services, demand deposit account services, payroll services, tax and tax refund services, electronic transmission of bill payment data, customer service, user and account management services, access to financial statements or other documents, and anti-fraud and risk control services; Software as a service (SaaS) services and application service provider services, namely, hosting application programming interfaces (API) and other software for use by others to provide banking services, debit card services, checking and savings account services, ATM banking services, electronic funds transfer and payment services, lending services, demand deposit account services, payroll services, tax and tax refund services, electronic transmission of bill payment data, customer service, user and account management services, access to financial statements or other documents, and anti-fraud and risk control services; Banking as a service (BaaS) services; Application service provider featuring application programming interface (API) software; Integrating digital banking, debit card, electronic funds transfer, payment processing, lending, insurance, investment, and other financial products and services into digital applications, platforms, interfaces, infrastructures, products, and services.