Providing on-line non-downloadable software using artificial intelligence (AI) for automating business tasks within the fields of marketing, data analysis, creative design, data management, talent acquisition, financial services, operations management, human resources, debt recovery, and restaurant customer engagement; Providing temporary use of on-line non-downloadable software and applications using artificial intelligence (AI) for use as a virtual digital assistant; Software as a service (SAAS) services, namely, hosting software for use by others for creating and managing Artificial Intelligence programs for use within the field of automation