42 Software as a service (SaaS) featuring computer software, web applications, software platforms, and application programming interfaces (APIs) for use by others in providing, configuring, and managing bank accounts, term deposits, loans, checking accounts, savings accounts, prepaid accounts, debit cards, revolving credit accounts, credit cards, fleet and commercial vehicle fuel cards, physical, virtual, and wearable payment instruments, retail and commercial banking services, customer origination and customer journeys, credit decisions and underwriting, credit issuance and provisioning services, identity verification, know your customer (KYC), account fraud checks, financial transaction authorization, financial transaction processing, fraud and risk management, batch processing and settlement, payment processing, acquiring and merchant transaction processing, banking services, electronic funds transfer, financial information management, online banking, electronic payment services, distribution of financial products by channel partners, financial account notifications and customer communications, and customer loyalty and reward programs; Software as a service (SaaS) featuring computer software, web applications, software platforms, and application programming interfaces (APIs) for use by others in providing, configuring, and managing employee benefit programs, business expense management programs, purchase and procurement programs of goods and services of others for business purposes, employee incentive reward and recognition programs, and prepaid employee benefit programs; Information Technology (IT) consulting services for financial services companies in the nature of software development, software solution consulting, IT project management, and software implementation management all in the field of software for managing bank accounts and processing financial transactions