Providing temporary use of on-line non-downloadable software and applications using artificial intelligence (AI) for use in software development and machine learning; Providing on-line non-downloadable software for providing predictive analytics and fraud detection in the field of finance; Providing on-line non-downloadable software for managing and facilitating customer experiences, workflow automation, and operational efficiency in the field of finance; Providing on-line non-downloadable software for financial institutions, namely, software that provides intelligent virtual assistant capabilities for managing and facilitating customer experiences, processing financial transactions, responding to customer inquiries, and providing financial information