SaaS featuring software for use by the financial services industry to implement credit scoring models, lending policies, risk management, pricing, and profitability strategies, and customer acquisitions via messaging in connection with loan origination and credit application processes, for analyzing and processing credit and loan applications, managing and processing loan documents, performing loan and portfolio management and stress testing, and providing financial risk analysis and credit assessment, loan pricing and profitability risk management, loan documentation processing, loan application capturing, and decision-support tools; SaaS services featuring software for providing a consolidated view of consumer accounts, assessing credit worthiness, and aggregating APIs for financial services; Cloud computing featuring software for providing a consolidated view of financial accounts, assessing credit worthiness, and aggregating APIs and other software modules