Downloadable computer software for managing and verifying financial transactions, processing of electronic funds transfers and electronic payments, facilitating foreign currency payments and exchange of foreign currency, online banking, issuing corporate credit cards, expense management, and business account services, namely, managing corporate checking and savings; downloadable computer software for automation of spend management and spend analysis; Downloadable computer software for managing, processing and monitoring financial transactions; Downloadable computer software for making, processing and receiving electronic payments; Downloadable computer software for accounting and financial expense management; Downloadable computer software for accessing bank account information and transacting banking business; Downloadable computer software for analyzing financial information; Downloadable computer software for managing business operations; Downloadable computer software for making financial transactions via banking cards; Banking cards, encoded or magnetic; Downloadable computer software for generating, scanning and recognizing QR codes