42 Software as a Service (SaaS) services featuring software for allowing customers to add funds to their bank or financial account to randomly fund purchases for other users; Software as a service (SAAS) services featuring software for enabling consumers to access and manage their bank accounts, manage their debit and credit cards and usage, conduct bank transactions, seek investment advice, complete banking related intents and actions, provide data regarding preferences to customize their experience with the application and receive promotions from their bank regarding their preferences and to provide a concierge service to consumers; Software as a service (SAAS) services featuring software for web-based access to applications and services; Software as a service (SAAS) services featuring software for using artificial intelligence, text recognition and natural language understanding for communicating with online banking customers; Software as a service (SAAS) services featuring software for providing interactive message services for customers; Software as a service (SAAS) services featuring software for facilitating interaction, connections, and conversations between users in the digital engagement, conversational commerce, messaging, artificial intelligence, bots and automation, and customer engagement; Software as a Service (SaaS) services featuring software for processing electronic payments to and from others; Software as a Service (SaaS) services featuring software for processing mobile payments; Software as a Service (SaaS) services featuring software for use in contactless transactions with retailers, merchants, and vendors via mobile devices used to process mobile payments; Software as a Service (SaaS) services featuring software for transmitting, processing, facilitating, verifying, and authenticating credit and debit card information and transaction and payment information; Software as a Service (SaaS) services featuring software for ensuring the security of mobile payments, of contactless transactions with retailers, merchants and vendors via mobile devices, and of credit and debit card information; Software as a service (SAAS) services featuring software for enabling a personalized banking experience with respect to managing bank accounts, managing debit and credit cards and usage, conducting bank transactions, and seeking banking and investment advice