42 Platform as a service (PAAS) featuring computer software platforms for banking research, for financial management, for tracking and analysis of financial transaction and financial matters, for gap analysis, for generating financial reports, for user experience analysis and financial data analysis; Software as a service (SAAS) services featuring software for banking research, for financial management, for tracking and analysis of financial transaction and financial matters, for gap analysis, for generating financial reports, for user experience analysis and financial data analysis