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Platform as a service [PaaS]; hosting of software as a service [saas]; consultancy in the field of software as a service [saas]; software as a service [saas] for identifying, understanding, and accessing current and prospective financial products; software as a service [saas] for accessing, tracking, and organizing bank account and financial services information; software as a service [saas] for accessing, tracking, and organizing monetary spending and bank account and financial services information; software as a service [saas] for recording and monitoring financial transaction history and for forecasting and projecting future budgeting and spending patterns; software as a service [saas] for producing financial models, namely, financial investment models, models for reconciling spending and savings, and models for management of personal finance; software as a service [saas] for affordability assessments and credit risk assessments; software as a service [saas] for debt collection and credit management; software as a service [saas] for identity and account verification; software as a service [saas] for accessing, retrieving, aggregating and processing data; software as a service [saas] for subscription management; software as a service [saas] for monitoring carbon footprint