Software as a Service (SaaS) services featuring software for banking and financial analysis, namely, customer financial data analysis and creation of analytic reports based on the customer financial data, wherein the analytic reports are used, as an alternative to credit scores, to assess customer credit worthiness while underwriting loans, namely, home loans, business loans, and personal loans

'altern':38 'analysi':13,18 'analyt':22,32 'assess':43 'bank':10 'base':24 'busi':53 'creation':20 'credit':40,45 'custom':15,27,44 'data':17,29 'featur':7 'financi':12,16,28 'home':51 'loan':49,52,54,57 'name':14,50 'person':56 'report':23,33 'saa':5 'score':41 'servic':4,6 'softwar':1,8 'underwrit':48 'use':35 'wherein':30 'worthi':46

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