Software as a service featuring software for creating, configuring and managing customer loyalty, incentive and bonus programs, for analyzing performance metrics and customer purchasing behavior and for generating personalized communication content to customers; software as a service, namely hosting of software for use by retailers, wholesalers and service providers to create, configure and manage customer loyalty, incentive and bonus programs, to analyze performance metrics and customer purchasing behavior and to generate personalized communication content to customers; provision of the temporary use of non-downloadable software to create, configure and manage customer loyalty, incentive and bonus programs, to analyze performance metrics and customer purchasing behavior and to generate personalized communication content to customers.