Software as a service (SAAS) services featuring software using artificial intelligence (AI) for generating confidence metrics and reliability scores by assessing the credibility, accuracy, and quality of user data, user biometrics, user behavioral patterns, user transaction history, user feedback and contextual factors to calculate and generate standardized confidence indicators; Software as a service (SAAS) services featuring software using artificial intelligence (AI) for determining personal electronic device reputation, namely, gathering unique identifiers and attributes of a personal electronic device to identify and track its previous association with fraudulent activity; Software as a service (SAAS) services featuring software for use by enterprises to measure, evaluate, implement, and manage operations related to data, namely, data security, data privacy, and data governance