Downloadable computer software for applying for and managing loans specifically for underbanked and unbanked borrowers through an alternative lending structure, namely, unsecured consumer credit; Downloadable computer software for providing consumer credit scores; Downloadable computer software for valuing and pricing loans; Downloadable computer software for modeling and assessing the financial risk posed by borrowers

Platform as a service (PAAS) featuring computer software platforms for applying for and managing loans specifically for underbanked and unbanked borrowers through an alternative lending structure, namely, unsecured consumer credit