Software as a service (SAAS) services featuring computer software for financial institutions, the software being used for aggregating, analyzing, and reporting financial and business data of small and medium business customers, optimizing customer outreach activity by utilizing customer segmentation across various metrics and indicators, and for providing recommendations to small and medium business customers relating to cash management, debt funding decisions, financial planning, and credit products, empowering businesses with actionable insights, trends, cashflow forecasts, and personalized guidance to make better business decisions through business development tools and advice; providing a web-based system and online portal in the nature of online non-downloadable software for financial institutions to aggregate and analyze data from business software regularly used by small and medium business clients, and to recommend financial products to those clients, making marketing activity more automated