42 Non-downloadable, cloud-based computer software for use in the field of banking, namely, for the distribution of cash, coupon rebating, prepaid card distribution, accessing cash, check cashing, currency conversion, crypto conversion, mobile banking services, namely, distribution of cash, coupon rebating, prepaid card distribution, and completing or initiating routine banking transactions; providing temporary use of online non-downloadable software for use in detecting, preventing and managing fraud in the fields of mobile banking fraud, automated teller machine (ATM) and automated kiosk fraud, and routine banking transaction fraud; software as a service (SAAS), featuring software for internet and digital banking, namely, for payments, loan and credit management, personal financial management, financial analysis, and other online financial functions; fraud detection services using software for detecting, preventing, and managing mobile banking fraud, automated teller machine (ATM) and automated kiosk fraud via the internet, namely, electronic signature verification services using technology to authenticate user identity; fraud detection services for detecting, preventing and managing mobile banking fraud, namely, electronic signature verification services using technology to authenticate user identity verification through the combined use of a multi-step authentication process using electronic and physical signatures on touchpads and computer devices, GPS, QR code, audio QR code, wireless antennae, NFC antenna, facial recognition, thumb prints or hand prints, computers, watches, phones, tablets, and mobile devices or other IoT things connecting to an automated kiosk