Financing loans for consumers and businesses; Banking services; Electronic loan origination services; Providing personal loans and lines of credit; Analyzing and evaluating credit risks; Cash advance services for businesses and merchants; Payment processing services; Providing electronic processing of ACH and credit card transactions and electronic payments via a global computer network; Application service provider (ASP) featuring e-commerce software for use as a payment gateway that authorizes processing of credit cards or direct payments for merchants; Software as a service (SAAS) services featuring software for core processing systems, online and mobile banking, remote and mobile deposit capture, bill pay services, personal financial management, credit and debit card processing, automated teller machines (ATM), financial statement and notice production, disaster recovery, and private cloud storage of documents and images for use in the financial services industry