42 Platform as a service (PAAS) featuring software platforms for use by others for use in workforce and employee management, payroll processing, payroll tax debiting, employee administration, tracking employee time and attendance, accounting, business invoicing, human resources management, on-boarding of new employees, applicant tracking and recruiting, customer relationship management, business financing, factoring, and accounts receivables financing; and Software as a service (SAAS) services featuring software for use by others for use in workforce and employee management, payroll processing, payroll tax debiting, employee administration, tracking employee time and attendance, accounting, business invoicing, human resources management, on-boarding of new employees, applicant tracking and recruiting, customer relationship management, business financing, factoring, and accounts receivables financing