Providing temporary use of online non-downloadable software for facilitating commercial transactions through electronic means via wireless networks, global computer networks and mobile telecommunication devices; providing temporary use of online non-downloadable software, namely, electronic financial platform that accommodates multiple types of payment and debt transactions; providing temporary use of online non-downloadable software for providing financial insights about money management; providing temporary use of online non-downloadable software for enabling processing of electronic funds transfers and payments made via prepaid cards, wireless wallets, mobile wallets, electronic wallets, electronic check and electronic, mobile and online payments; providing temporary use of online non-downloadable software for organizing, storing, providing access to, redeeming, scanning, sharing, and providing information about goods, services, coupons, rebates, discounts, incentive programs, special offers, rewards, and consumer loyalty programs; providing temporary use of online non-downloadable software for capturing, managing, and storing credit card and debit card information; providing temporary use of online non-downloadable software for processing, facilitating, verifying, and authenticating mobile payments and contactless transactions with retailers, merchants, and vendors using a mobile device