Downloadable software in the nature of a mobile application for access to cash advances, on demand wage or other income advances, expedited no fee or low fee short term cash advances, all based on recurring deposits of income or eligible deposits and algorithmic predictions; monitoring consumer credit and providing alerts to any credit changes; providing consumer lending services and insurance services; providing financial education and information; providing discounts for financial services, tax preparation services and rent-to-own services; Downloadable software in the nature of a mobile application for providing financial wellness education services