42 Software as a service (SAAS) services, application service provider services (ASP), and providing online non-downloadable cloud-based software, all featuring software for providing banking and credit services, automated and customized personal management of financial accounts, monitoring of transactions and account balances, budget and spending reporting, bill presentment and payment, data management, database management, monitoring of future transactions based on algorithmic predictions, pay check advances, and presentment and payment services; and providing a secure electronic online system featuring technology that allows merchants and consumers to access lease-purchase and rent-to-own financing services, transactions and data, to apply for financing, to receive approval or disapproval of financing, to manage personal information, and to make payments in the field of consumer goods