Software as a service (SAAS) services featuring software using artificial intelligence (AI) for use in facial and speech recognition; Software as a service (SAAS) services featuring software using artificial intelligence (AI) for using artificial intelligence for know your customer and customer onboarding services; Application service provider featuring application programming interface (API) software for end to end know your customer and customer onboarding including identity verification, data base checks, e-signature tools, underwriting, credit analysis, caseflow management, and workflow management; Platform as a service (PAAS) featuring computer software platforms for end to end know your customer and customer onboarding including identity verification, data base checks, e-signature tools, underwriting, credit analysis, caseflow management, and workflow management; Electronic signature verification services using technology to authenticate user identity; Providing temporary use of online non-downloadable software development kits (SDKs)