Non-downloadable software to allow users access to bank accounts, checking accounts, saving accounts, credit card accounts, personal loans, and mortgage accounts for use by bank customers; non-downloadable software in the field of banking; Providing temporary use of on-line non-downloadable software for obtaining financial information, managing accounts, fraud detection, monitoring payments, and conducting transactions; providing temporary use of on-line non-downloadable software relating to banking, payment, and investment strategies; Software as a service (SAAS) services featuring software for providing online and mobile banking services; Software as a service (SAAS) services featuring software for processing electronic payments, authorizing loans, managing and tracking electronic payment information, and facilitating e-commerce services for others by allowing users to perform electronic financial transactions via a global computer network; Software as a service (SAAS) services featuring software for use in consumer lending, managing loan payments, and financing purchases