Business consulting services, namely, providing a means for merchants to leverage consumer data and retail market trends in the area of consumer credit and payment processing; merchant services, namely, consumer credit and risk analysis; business information reporting services for merchants, namely, providing merchants and retailers with consumer data to inform consumer financial decisions and purchase behaviors in the area of consumer credit and payment processing; business analysis and business strategic planning services in the consumer financial services industry pertaining to consumer credit, payment processing, and data regarding consumer behavior and retail market trends