· Software as a Service (SaaS) services featuring software for personalized risk profiling and behavior modification; software as a Service (SaaS) services featuring software for risk assessment and profiling tools based on human vulnerabilities and Exposures (HVEs) and behavioral data; monitoring of computer systems for real-time fraud detection and prevention; software as a service (SaaS) services featuring software for protection of individuals and organizations from scams, social engineering, and human-centric fraud; software as a service (SaaS) featuring artificial intelligence-based software for identifying, assessing, and mitigating scams, social engineering and fraud risks; online non-downloadable online software for automated monitoring and reporting of fraud threats; behavioral analytics non-downloadable software for identifying, detecting, mitigating and preventing risky behaviors in users related to security, scams and fraud; online non-downloadable software for evaluating and minimizing human-centric fraud vulnerabilities, exposures and exploits; online non-downloadable software for identifying social engineering cybersecurithy threats, analyzing risks and for protecting organizations from fraud, scams and cyber attacks related to the human factor; software as a service (SaaS) services featuring software to help organizations respond to and resolve scam incidents, including customer-facing features and support for fraud teams; software as a Service (SaaS) services featuring real-time intervention tools, including smart step-ups, contextual prompts, and recipient intelligence to mitigate high-risk transactions and disrupt scams; software as a Service (SaaS) services providing APIs and SDKs to enable seamless integration of scam detection and prevention tools into organizational platforms, including banking apps, customer service systems, and employee workflows; online non-downloadable software featuring a scam intelligence portal for organizations to access real-time insights, emerging scam trends, and tailored threat analysis for improved decision-making and proactive defense.