Software as a Service (SAAS) services for risk model analytics software for use by others for risk modeling and decisioning, namely, cybersecurity, data privacy, compliance, third-party, and ESG risk valuation done on demand using AI/ML, near-realtime, scheduled basis providing traceable and quantified risk values, continuous risk assessment, risk quantification and risk prioritization, remediation planning of risk to business operations, brand using artificial intelligence and machine learning; Software as a Service (SAAS) services for blending data, rules, and predictive analytics to make smart decisions about operations and customer risk interactions