42 Providing temporary use of a non-downloadable software, namely, computer software for enabling users to manage personal finances by initiating and supporting personal savings and analyzing spending, for accessing online financial accounts, for electronic transmission of funds, for facilitating saving money tied to lifestyle rules and goals; Providing temporary use of non-downloadable software, namely, a web application for digital banking and savings; Providing temporary use of non-downloadable software, namely, a web application having a marketplace for users to acquire goods users have saved for through the software application; Providing temporary use of a non-downloadable web application having a marketplace for users to acquire goods or services and earn rewards or cash back based on the goods or services acquired in the marketplace