42 Application service provider featuring application programming interface (API) software for use for banking applications; Design, development, and implementation of software for facilitating user onboarding and transaction management in the field of banking and financial services; Developing customized software for others; Platform as a service (PAAS) featuring computer software platforms for providing backend computer services and application programming interfaces; Providing temporary use of a web-based software application for use in connection with banking and ESG compliance data, analysis, and reporting, and for assessing companies' sustainable practices and their impact; Providing temporary use of on-line non-downloadable software development tools for the banking industry for enabling software applications to access and utilize backend services, namely, data storage, data management, payment services and user management; Providing temporary use of on-line non-downloadable software for banking as a service; Providing temporary use of on-line non-downloadable software development tools; Software as a service (SAAS) services featuring software for the banking industry, namely, software for user onboarding, financial account setup and management, loan underwriting, and credit decisioning