Cloud computing featuring software for use authenticating third parties and securely transferring financial data to the third party; Application service provider featuring application programming interface (API) software; Application service provider featuring application programming interface (API) software for sharing financial data between authorized parties with user consent; Design and development of computer software for sharing financial data; Providing temporary use of non-downloadable cloud-based software for a financial data sharing platform; Software as a service (SAAS) services featuring software for sharing user financial data from a user's financial institution on the user's behalf; Software as a service (SAAS) services, namely, hosting software for use by others for use providing secure access to financial transaction data over a network