Electronic data storage; Providing on-line non-downloadable software for facilitating the electronic transfer of funds between individuals; Providing on-line non-downloadable software for processing payment and money transfer transactions; Providing online non-downloadable software for processing, facilitating, verifying, and authenticating payments and transactions; Providing online non-downloadable software for verifying payments and funds; Providing on-line non-downloadable software for facilitating microfinance lending services; Providing on-line non-downloadable software for facilitating currency exchange services; Providing on-line non-downloadable software for insurance services, namely, providing on-line non-downloadable software for selecting, purchasing, and managing insurance policies, evaluating insurance claims, and for submitting data for use in insurance services; Providing on-line non-downloadable software for processing debit card transactions; Providing on-line non-downloadable software for processing prepaid debit card transactions; Providing on-line non-downloadable software for processing of payments; Providing on-line non-downloadable software for facilitating checking account services; Providing on-line non-downloadable software for processing bill payments; Providing on-line non-downloadable software for processing financial transactions and payments; Providing on-line non-downloadable software for processing automated clearinghouse (ACH) transactions; Providing on-line non-downloadable software for facilitating money transfers; Providing on-line non-downloadable software for processing payments to third parties; Providing on-line non-downloadable software for processing debit transactions; Providing on-line non- downloadable software for processing electronic credit and debit transactions; Providing on-line non-downloadable software for processing electronic debit card and credit card transactions; Providing on-line non-downloadable software for banking services, namely, providing on-line non-downloadable software for opening and managing bank accounts, processing financial transactions, processing financial applications and financial application approvals, and monitoring usage of credit products, sending and receiving remittance transfers, conducting foreign exchange transactions, and facilitating the buying and selling of cryptocurrencies; Providing on-line non-downloadable financial software platforms for facilitating payment and debt transactions; Providing on-line non-downloadable software for lotteries and lottery services, namely, providing on-line non-downloadable software for selecting and purchasing lottery products, managing accounts for prepaid balances used to purchase lottery products, processing payment transactions for use in lotteries and lottery services, and for facilitating rewards incentives and customer loyalty programs, and for providing promotional products for use in lotteries and lottery services; Providing on-line nondownloadable software for facilitating betting, sports betting, wagering, and sports wagering services; Providing on-line nondownloadable software for customer loyalty programs, incentive reward programs, customer loyalty services, and customer club services, namely, providing on-line non-downloadable software for opening and managing a customer account, purchasing, depositing, withdrawing, transferring, and redeeming of loyalty and rewards points, and managing rewards and loyalty membership tier status for use in customer loyalty programs, incentive reward programs, customer loyalty services, and customer club services; Software as a service (SAAS) services featuring software for facilitating the electronic transfer of funds between individuals; Software as a service (SAAS) services featuring software for processing payment and money transfer transactions; Software as a service (SAAS) services featuring software for processing, facilitating, verifying, and authenticating payments and transactions; Software as a service (SAAS) services featuring software for verifying payments and funds; Software as a service (SAAS) services featuring software for facilitating microfinance lending services; Software as a service (SAAS) services featuring software for facilitating currency exchange services; Software as a service (SAAS) services featuring software for insurance services, namely, software as a service (SAAS) services featuring software for selecting, purchasing, and managing insurance policies, evaluating insurance claims, and for submitting data for use in insurance services; Software as a service (SAAS) services featuring software for processing debit transactions; Software as a service (SAAS) services featuring software for processing prepaid debit card services; Software as a service (SAAS) services featuring software for processing of payments; Software as a service (SAAS) services featuring software for facilitating checking account services; Software as a service (SAAS) services featuring software for facilitating bill payments; Software as a service (SAAS) services featuring software for processing financial transactions and payments; Software as a service (SAAS) services featuring software for processing automated clearinghouse (ACH) transactions; Software as a service (SAAS) services featuring software for facilitating money transfer; Software as a service (SAAS) services featuring software for processing payments to third parties; Software as a service (SAAS) services featuring software for processing debit transactions; Software as a service (SAAS) services featuring software for processing electronic credit and debit transactions; Software as a service (SAAS) services featuring software for processing electronic debit card and credit card transactions; software as a service (SAAS) services featuring software for banking services, namely, software as a service (SAAS) services featuring software for opening and managing bank accounts, processing financial transactions, processing financial applications and application approvals, and monitoring usage of credit products, sending and receiving remittance transfers, conducting foreign exchange transactions, and facilitating the buying and selling of cryptocurrencies; Software as a service (SAAS) services featuring financial software platforms for facilitating payment and debt transactions; Software as a service (SAAS) services featuring software for lotteries and lottery services, namely, software as a service (SAAS) services featuring software for selecting and purchasing lottery products, managing accounts for prepaid balances used to purchase lottery products, processing payment transactions for use in lotteries and lottery services, for facilitating rewards incentives and customer loyalty programs, and for providing promotional products for use in lotteries and lottery services; Software as a service (SAAS) services featuring software for facilitating betting, sports betting, wagering, and sports wagering services; Software as a service (SAAS) services featuring software for customer loyalty programs, incentive reward programs, customer loyalty services, and customer club services, namely, software as a service (SAAS) services featuring software for opening and managing a customer account, purchasing, depositing, withdrawing, transferring, and redeeming of loyalty and rewards points, and managing rewards and loyalty membership tier status for use in customer loyalty programs, incentive reward programs, customer loyalty services, and customer club services