Credit scoring services; financial credit scoring services; credit underwriting; financial services, namely, analyzing bank account transactional data, income, assets, and cash flows to predict credit default risk and make determinations regarding consumer financial status and creditworthiness

Application service provider featuring application programming interface (API) software; Application service provider featuring application programming interface (API) software for credit underwriting; Application service provider featuring application programming interface (API) software for predicting credit default risk and assessing consumer financial status and creditworthiness; Providing temporary use of online non-downloadable software for credit underwriting; Providing temporary use of online non-downloadable software for predicting credit default risk and assessing consumer financial status and creditworthiness; Providing temporary use of online non-downloadable software for analyzing and evaluating consumer electronic financial records and for accessing, reading, and tracking consumer financial information