42 Software as a service, namely, software using artificial intelligence to identify individual behavioral traits and predict behavioral changes for use in fraud risk assessment and reduction, real-time consumer segmentation, hyper-personalized marketing decisions, digital onboarding, continual Know Your Consumer (KYC) processes, digital onboarding, and anti-money laundering; software as a service, namely, software for risk assessment in the nature of software for reviewing and analyzing data to analyze purchasing trends, detect fraudulent activity and security breaches, and detect predictable and anomalous behavior and activities; software as a service, namely, software for banking and financial services in the nature of software for reviewing and analyzing data to analyze purchasing trends, detect fraudulent activity and security breaches, and detect predictable and anomalous behavior and activities; software as a service, namely, software for consumer services in the nature of software for reviewing and analyzing data to produce advertising, personalized offerings, analyze purchasing trends, detect fraudulent activity and security breaches, and detect predictable and anomalous behavior and activities