Artificial intelligence as a service (AIAAS) services featuring software using artificial intelligence (AI) for facial and speech recognition, use in database management and machine learning, for use by business subject matter experts; Artificial intelligence as a service (AIAAS) services featuring software using artificial intelligence (AI) for creating role-specific knowledge-based digital assistants or avatars for use by organizational management to share knowledge, connect people and drive engagement; Software as a service (SAAS) services featuring software using artificial intelligence (AI) for use in software development, machine learning, facial and speech recognition for use by business subject matter experts; all of the aforementioned excluding services relating to personal identity verification and fraud prevention.