Software as a service (saas); platform as a service (paas); backend as a service (baas); database as a service (daas); hosting of software as a service (saas); application service provider services; providing temporary use of non-downloadable software applications through a website or through downloadable mobile software applications (apps); provision of online computer software (non-downloadable); providing and hosting software as a service (saas) and platform as a service (paas) related to financial, payment and monetary services including buy now pay later (bnpl) financial services and other forms of credit; providing on-line non-downloadable software, software as a service (saas) and platform as a service (paas) for processing online and electronic payments, for facilitating financial transactions, for creating and administering customer accounts, for facilitating retailers to manage trade accounts for customers, and for facilitating payments for goods and services using credit accounts; design and development of computer hardware and software; provision of information relating to all of the foregoing services via printed materials and reports, publications and directories; information, consultancy and advisory services relating to all the aforesaid services