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Software as a service (SaaS) services featuring software to enable users to initiate banking and financial transactions, namely, software to initiate online banking services, electronic funds transfers, direct electronic debit transactions, electronic payments, electronic payment processing services, person-to-person money transfers, and person-to-person electronic payments; software as a service (SaaS) services featuring software to enable users to access transaction and account information in connection with online banking, electronic funds transfers and electronic payments