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Platform as a service (PAAS) featuring computer software platforms for connecting financial institutions and financial technology service providers; Application service provider featuring application programming interface (API) software; Application service provider featuring application programming interface (API) software for connecting financial institutions, mobile applications, websites, and third-party service providers; Providing temporary use of online non-downloadable middleware for providing an interface between financial institutions and financial technology service providers; Software as a service (SAAS) services featuring software for middleware and business logic between financial institutions and third-party service providers; Software as a service (SAAS) services, namely, hosting software for use by others for use as an exchange layer between mobile applications and websites for financial institutions and financial technology service providers