42 Platform as a service [PaaS] for processing electronic payments; software as a service (SaaS) for processing electronic payments; hosting of web sites, web portals and platforms on the Internet for payment processing, authentication, management and tracking; providing temporary use of non-downloadable software and application software for payment processing, authentication, management and tracking; development of computer software for processing, arranging and conducting of payment, financial transactions and transfer of funds; providing temporary use of non-downloadable software and application software for processing, arranging and conducting of payment, financial transactions and transfer of funds; providing user authentication services using biometric hardware and software technology for e-commerce transactions; computerised user authentication services in e-commerce transactions; provision of information, advisory and consultancy services in relation to the aforementioned services