Application service provider featuring application programming interface (API) software; Providing online non-downloadable computer software platforms for artificial intelligence, namely, risk management systems; Research and development of computer software; Software as a service (SAAS) services featuring software using artificial intelligence for assisting human decision making, accuracy, efficiency and results for businesses and their agents; Software as a service (SAAS) services featuring software using artificial intelligence for machine learning, data modeling, data classification, data generation and predictive analytics to automate processes and tasks for businesses and their agents