Software as a service (SAAS) services featuring software for application and database integration; Artificial intelligence as a service (AIAAS) featuring software using artificial intelligence for database management; Software as a service (SAAS) services featuring software for access to and participation in public and private programs, benefits, and services; enabling individuals, households, companies, agencies, NGOs, and other organizations to improve financial stability, resource access, and overall economic opportunity through intelligent automation and data-based insights; providing systems for tracking, measurement, and analytics.