types of saas products

Service Now is one of the leading SaaS products and application services when it comes to innovation in the workplace. Statistics show that the global cost of the SaaS industry will amount to 55 billion dollars in 2026. The AI tool is an engine that serves to generate more leads without you having to spend an exorbitant amount of money on it. SaaS - software as a service. With the industry showing no signs of slowing down, it has become a very attractive space. One of the fundamentals of the innovation-based model is that it doesn’t have any correlation or resemblance with any other product on the market. This type of ongoing engagement increases customer retention by making you a core part of their daily operations: Month 1 : Teach the basics of how to use your product and services. A real-time messaging, archiving and search solution, Slack is redefining business communication. All the SaaS companies and products that are listed here make it easier for you to grow your company. Software as a service (also known as subscribeware or rentware) is a software licensing and delivery model in which software is licensed on a subscription basis and is centrally hosted. The enterprise has contributed to the niche by way of releasing one of the most popular and well received video communication tools in technology today. Consequently, it leads to a positive impact on your customers’ experience as they engage with your frontline staff. Oracle Netsuite creates software for businesses to help them succeed in their ventures. Whether it is in data security, financial management, marketing management, or some form of information synchronization, these SaaS products all offer something to your business. Concur additionally reconciles expenses after travel is completed and delivers electronic airline, hotel and auto rental receipts directly into digital expense reports. Wix is a website builder that has gained significant traction in the few years that it has been on the market. Concur streamlines the process by automating travel and expense management. Also known as on-demand software, hosted software or web-based software, SaaS eschews traditional software installation, maintenance and management approaches in favor of delivering cloud-based applications via the internet. They have a digital platform that makes repayments easier to manage. So as product managers, knowing how to manage only traditional, on … Then users can invite teammates to access any Dropbox folder or send them specific files and images accessible through password-protected links; there’s even a remote wipe option in case of emergency. Companies pour blood, sweat, and tears into creating a great product and bringing in new customers. Their software products cover security awareness training, cloud app security, archiving and compliance, as well as digital risk protection, among others. Here’s what you need to know. The product has been a huge success, and is a paragon of what most SaaS business owners wish to achieve with their own products. Common examples are email, calendaring, and office tools (such as Microsoft Office 365). Since our list is extensive, we have included a shorter one below. Instead of investing in additional in-house server capacity and software licenses, companies simply can adjust their Software as a Service subscription on a monthly basis, scaling consumption requirements up and down based on project demands and other variables. This is the type of business that sells products and services to other businesses. The software allows you to sync data across all your business’s devices and platforms. They offer a SaaS product that links departments within an organization and provides them with a synced vision of their clients and how they interact with the company. There are a number of software used by SaaS from companies such as ezTalks Video Conferencing that employs in content management, human resources management, accounting, ERP, customer relationship management and other relevant areas. Having discussed the SaaS model, we present to you some examples of SaaS companies and SaaS products that you should know about. Features include Automatic Answers (a machine learning-powered tool for interpreting and solving customer questions and requests), Zopim (a real-time chat service) and Zendesk Voice (a cloud-based, built-in phone support solution). Ring Central is an all purpose cloud service package that is geared to both small businesses as well as large enterprises. If you want to sell SaaS successfully, stop selling features. 10 Popular Software as a Service (SaaS) Examples, How DaaS Saves You Money in More Ways Than One. The Software as a Service (SaaS) model continues to gain traction across all corners of the business world, and for good reason. Focus on creating a desire for your product and delivering value. Lumen5 is another cloud based service that has made a statement since the company launched a few years ago. Amazon Web Services is a subsidiary of Amazon that develops cloud services to both businesses and customers. A cloud-based application is fully deployed in the cloud and all parts of the application run in the cloud. MaintainX is a SaaS platform that helps business leaders and managers to improve their frontline operations and improve communication between team members. Box also automates tasks such as employee onboarding and contract approvals, reducing repetition and abbreviating review cycles. These companies can be categorized as either B2B SaaS, B2C SaaS, or a combination of both. new  Daily Azure Training Workshops for MSPs Sign up Now. Drips is a SaaS enterprise that has revolutionized the way that businesses approach conversational marketing. Its platform enables team members to book and manage meetings easier. For SaaS products, that clause can (depending on the particular type of SaaS product) be a traditional license or a more limited access clause. Its web-based and mobile solutions enable staffers to book travel plans according to their own needs and preferences, while also making sure all bookings fall within company spending limits. Though recently launched, founder and CEO Laurel Taylor expects that the company will shave $30 billion off student debt in the U.S by 2021. This is attractive because Apple software is known for being resilient to cyber attacks. Zendesk is a California based SaaS company that connects businesses with their customers across multiple channels. Their SaaS solutions lead to more recovery on R&D claims as well as lower audit risks. Business travel can pose headaches for on-the-go employees and finance departments alike. Let’s dive into why each one deserves a spot on our list. The company has a host of products that handle various needs, including analytics, blockchain, customer engagement, and even immersive virtualization technologies built to satisfy your business needs. Arguably the quintessential Software as a Service application, Salesforce remains at the vanguard of the cloud computing revolution it helped create. Their services range from payroll, retail, debit cards, and invoices. It also can save on upfront costs,” said David Wagner, Computer Economics’ vice president of research. Businesses must also take into account the government compliance regulations inherent to storing customer data in a remote data center. The company offers a product that digitizes workflow within a company to make running daily operational processes smoother. “When deployed correctly, SaaS promises decreased infrastructure, speed of implementation and comparable customer experience. That way, companies avoid the chaos that occurs when things aren’t organized as they should. The brand has grown by leaps and bounds since it was first launched. Accessibility: Since all you need is an internet connection to use SaaS services, you can access it at any time from any device without having to download any software. These involve testing performance, security, data integration, scalability, reliability, etc. Hubspot is a popular SaaS company that develops inbound marketing tools that help users with social media marketing, SEO, and content management. © Copyright 2020 Josh Fechter, All Rights Reserved. With all the SaaS options available, you can pick and choose which cloud products make the most sense for your business. 40% of your prospects say, “Your product is expensive, but worth the price.” It’s okay to be too expensive for some prospects. To be specific, they offer a host of courses in software development, cybersecurity, as well as IT certification so that your team is on the cutting edge of all things software. Boastcapital is a SaaS automation software that calculates research and development (R&D) tax for you. Software review site Better Buys predicts that 78% of businesses plan to expand the number of software-as-a-service (SaaS) platforms they use over the next three years. Upgrades: SaaS users get immediate access to software upgrades and fixes on bugs that may crop up as the software is in use. Usually, they offer both monthly and yearly options. Today, good luck launching a startup based on packaged software only. The Software as a Service (SaaS) model continues to gain traction across all corners of the business world, and for good reason. To explain this in more detail, let’s take a look at the three phases which every SaaS goes through: Having discussed the SaaS model, we present to you some examples of SaaS companies and SaaS products that you should know about. This refers to a school of thought that describes the stages that a business goes through during its lifespan from facing it's biggest business challenges to scaling fast and successfully. Look for funding when you find you have a product idea that can't be iterated or developed further without extra money. SaaS is an acronym that stands for Software as a Service (SaaS). The customer relations management solution enables businesses to collect all information on customers, prospects and leads within a single online platform, enabling authorized employees to access critical data on any connected device at any time. Since our list is extensive, we have included a shorter one below. Knowing….. They offer full service cloud products that make it easier to manage your enterprise. R&D - research and development. The SaaS product features a platform that makes it easy to share information within and across human resource networks. Cisco Web Ex, Google Apps, among others, are a few well-known examples of SaaS applications which are easily accessible on the internet and do not require any installation. This provides businesses with the information that they need to make strategic decisions for the betterment of their customers’ experience. Even if none of those Software as a Service solutions float your boat, chances are there’s an app that can transform how your organization does business. Nowadays, it is next to impossible to find a business that doesn’t leverage the power of SaaS to assist in the management of their daily operations. Workday is a company that develops software geared towards helping businesses to simplify their managerial processes and improve workflow. Some believe that the innovation-based model refers to the SAAS businesses that are built based on the brand new ideas and intended to introduce a new type of product in the market. The platform makes it possible for businesses to grow their stores online. Once you qualify, their platform and algorithm records and manages money you spend on eligible R&D projects. Their products cover omnichannel commerce, email marketing, human capital management, and financial management. 37 Best SaaS Companies & SaaS Products. Generally speaking, software vendors are focusing more on cloud versions of their products, so embracing SaaS means you get access to the best and newest features. The variety of software provided by SaaS is very broad. Square is a full service SaaS package that provides several tools to businesses that run their stores online. Daily Azure Training Workshops for MSPs – Register for an Upcoming Session Now! There’s no doubt that their SaaS product will continue to flourish in the coming years. The company remains one of the most powerful SaaS companies in the world. B2C or business-to-consumer SaaS products are cloud-based software solutions designed to solve individual problems. Marc Benioff, a co-founder of Salesforce, started the company in 1999 with a “mission to ‘End Software’ through his creation of the ‘cloud.’” What he created was a new kind of software: programs that were immediately available online. Every SaaS company might be different—but almost every single one makes the same mistake that puts the company in jeopardy: it doesn't understand its pricing. Since their launch, the company has seen steady growth from a constant flow of customers who value the creativity platform. With over 40 years in the technology business, Microsoft is yet another company whose name is known all over the world. A demo shows the value of your product to a prospect, but many people use demos as a training session on how to use it, which is a no-no (that’s for your onboarding process). SaaS examples: BigCommerce, Google Apps, Salesforce, Dropbox, MailChimp, ZenDesk, DocuSign, Slack, Hubspot. Software-as-a-Service business models developed into various kinds and entered many niches. This cloud-based customer service and support ticketing platform enables representatives to more efficiently tackle inbound client requests across any communications channel — email, web, social media, phone or chat. Anything added to Dropbox storage automatically shows up across all your desktop and mobile devices, enabling professionals to begin a project on their work PC, make edits on their smartphone during the evening commute home, and add the finishing touches from their home tablet. Common examples of SaaS, PaaS, & IaaS SaaS: Software as a Service Software as a Service, also known as cloud application services, represents the most commonly utilized option for businesses in the cloud market. SaaS utilizes the internet to deliver applications, which are managed by a third-party vendor, to its users. It remains one of the most popular tools to store both business documents as well as personal information. Nothing is perfect, of course, and SaaS is no exception. All content sharing, editing, discussion and approval is confined to one centralized file, and users receive real-time notifications when edits are made. Consequently, unlike other areas which stem from cloud computing, SaaS makes it possible for businesses to access software with a web browser. Think online editors, file sharing, website builders, streaming services, and even social media networks. A few of them are: Before taking a look at the list of top SaaS companies, it’s important to understand the SaaS business model. Their platform also allows you to integrate their service with other software to create a full proof customized package. The company features a SaaS package that provides users with real time data on their respective customers. Twilio offers an all inclusive content marketing SaaS package for businesses that want to build meaningful relationships with their customers. Zoom connects professionals through facilitating audio and video conferencing, webinars, and other collaborations. Keep your documents and files at your fingertips across all your devices using Dropbox. 5 Types of SaaS funding “Startup funding” is not a one-size-fits-all concept. Now, they have positioned themselves as one of the leading authorities on digital marketing. Still on the fence about SaaS? “It is no surprise that companies are making the switch.” You owe it to your business to consider joining their ranks. Salesforce credits its tools for boosting customer sales an average of 37 percent as well as driving increased client loyalty and satisfaction. With SaaS, service provider partners shoulder the burdens of security, availability and performance. With the various types of pricing models in SaaS, the freemium model seems to be something of an anomaly. Capitalize on the services that these cloud based services offer and watch your business soar in 2020 and beyond. The softw… Over the years, SaaS companies and products have changed the way that businesses operate online. See where you need to streamline your businesses, then find the relevant SaaS package of SaaS products and companies to make it happen. An example of a B2B startup would be Unity Technologies, whose main customers are other companies. Splunk has been at the forefront of data solutions since it was founded back in 2003. With a multitude of products that facilitates planning, communication, and security, Atlassian offers a package that equips businesses with what they need to succeed. Their package is a one stop shop for businesses who need to set up and manage their online store in the best way possible. While others tend to focus on commercial services, KnowBe4 is a security SaaS product that educates users on cybersecurity issues so that they can detect them faster and protect the integrity and functionality of the business’s operations. This online workspace enables professionals to collaborate with anyone, anywhere. Their service consists of an online video maker that converts text into video slides in under a minute. 7. Sell prepaid annual plans. To achieve that goal our team of dedicated SaaS and finance experts is constantly reviewing all major solutions and services from a rich SaaS list of categories. On average, firms that transition to Software as a Service subscriptions from capital-heavy, on-premise infrastructure installation, maintenance and upgrades enjoy an IT spending reduction of more than 15 percent, according to data collected by Computer World. Therefore, the company’s future looks bright. Google Apps includes custom professional email (complete with spam protection), shared calendars and video meetings alongside Google Drive. Let’s take a look at the main ways to apply SaaS scalable business ideas to real businesses. Apart from Microsoft Azure, an infrastructure as a service (IaaS) product, the company has a slew of cloud based products that businesses incorporate in their operations. Squibler is a modern software application that enables writers to produce content faster than they’ve done before. For an in-depth look at the differences, make sure to read our B2B vs B2C marketing guide. Nestled in the travel and financial management niche, Concur makes it easier for businesses to plan, organize, and administer all expenses that a business incurs due to travel. And because the IT infrastructure resides in the service provider’s data center, your organization can get back up and running immediately in the event of a service outage or more dramatic disruption. Similar to MaintainX, Teem is another SaaS product whose primary function is to build a better workplace environment. This represents a growth of $14.2 billion from 2020 taking into account that revenues from the market are expected to reach some $98.9 billion. In light of the industry’s impending growth, it’s only fitting to take a look at some SaaS examples from the best enterprise software in the business. Years ago, much of the emphasis in the tech industry was around packaged software. SaaS is particularly well suited for small businesses. Your product doesn't sell itself. I help companies scale with growth marketing and product management. Meet Edgar Edgar is a social media automation SaaS product that can shave hundreds of hours off someone’s workload. Fresh Service is an IT service desk and management platform that simplifies the daily operations of a business by utilizing the power of IT. Strategic advertising coupled with solid marketing initiatives has led this platform to become one of the most talked about tools to create websites in recent times. FutureFuel is a student loan repayment company that is committed to fighting debt. PaaS examples: AWS Elastic Beanstalk, Heroku, Windows Azure (mostly used as PaaS), Force.com, OpenShift, Apache Stratos, Magento Commerce Cloud. Having a great SaaS product is just the first step out of many to creating a successful startup. However, getting into SaaS with an idea is one thing, but being successful with it … 37. The app supports more than 85 million users in 188. There’s also an increase in human bandwidth: In-house IT staffers are liberated from the tasks associated with on-premise hardware and software, allowing them to tackle projects more vital to the company’s future growth. Among SaaS products, KnowBe4 isn’t like any of the others that we have mentioned before. Users may access, sign and send business documents from their office, their hotel room or anywhere else their job leads, guaranteeing approvals and agreements are executed in a matter of minutes, not days. Founders Larry Page and Sergey Brin led the company’s expansion to a whopping 137 SaaS products, including software for analytics, document creation, and online advertising. Tableau. For companies that use Apple products, Jamf allows you to power your business with Apple software. Other types of SaaS applications include billing and invoice software, collaboration software, web hosting software and Human Resources software. Zoom is a leading company in cloud based software development. Software as a Service (SaaS) companies are clearly on the upswing, aided by the rapid growth of the larger cloud computing market. Gartner Inc estimates that by 2021, revenue from the global SaaS market will reach $113.1 billion. Tableau Online is the SaaS version of the company’s popular interactive data visualization and data analytics products focused on business intelligence. The company owns tools such as Elasticsearch, Logstash, Kibana, and Beats, all of which enable users to analyze data to get important market information. Their SaaS product has seen significant growth in the short time that it has been released. The product enables users to practice HR management, project management, and financial and strategic planning all under one single platform. Users access them by subscribing to the software provider and paying a quota for the product. Their services integrate video conferencing, team messaging, and other communication facilitators that work together to improve communication among team members. The software connects customers across multiple channels, including Whatsapp, to unify the customer experience and consequently improve their customer support. Microsoft (M365) vs. Office (O365): Licensing Explained, 5 Cool Uses for Virtual Machines You Haven’t Tried, IT spending reduction of more than 15 percent, Microsoft Azure Fundamentals: Terminology, Hierarchy & Resources, How to Troubleshoot Performance in Windows Virtual Desktop (WVD) Environments, How to Make More Money Selling Microsoft Azure, How to Migrate to Azure: Strategies for MSPs. It is sometimes referred to as "on-demand software", and was formerly referred to as "software plus services" by Microsoft. Today, Google has such a strong market presence and brand that many consider it to be a household name. new Daily Azure Training Workshops for MSPs – Register for an Upcoming Session Now! Users can securely share large files via traditional link or custom URL, safeguarding data and documents via permissions and password protection. There's never been a better time to grow your business and brand with SaaS. While there are several key performance indicators (KPIs) that help SaaS managers perform their duties, they tend to focus on two main objectives: to minimize the cost of acquiring and retaining customers, whilst maximizing customer lifetime value (CLV). Users now may create, edit and share content from any PC, Mac, iOS, Android or Windows device in real-time, connect with colleagues and customers across a range of tools from email to video conferencing and leverage a range of collaborative technologies supporting secure interactions both inside and outside of the organization. Amazon Web Services currently encompasses more than 70 services in all, including computing, storage, networking, database, analytics, deployment, management and tools for the Internet of Things. The secret sauce to building a successful product boils down to an often overlooked factor - Pricing. Once that is done, all software consumers can access the upgraded version. Therefore, organizations which handle sensitive customer data can protect their resources by aligning with Jamf’s platform. According to Zendesk, its business users experience positive ratings for more than 86 percent of their customer interactions. In doing so, companies get to record, store, and process new data as it gets registered across all devices, thus promoting seamless company operational processes and management. Meaning that as long as you have an internet connection, you can use a software application. To support all that use, new SaaS offerings and startups are popping up quickly—1,400 of them over just the past five years. MailChimp has developed a SaaS platform that helps businesses to improve their marketing efforts. Electronic signature technology and transaction management services platform DocuSign supports the exchange of digital contracts and other e-signed documents. Perhaps a deeper understanding of some of the most innovative and popular SaaS applications can help you make up your mind. IT management metrics provider Computer Economics reports that 60 percent of all companies now have integrated at least some SaaS solutions into their business, with 36 percent intending to increase their investment in the months ahead. This negates the need to collect, track and submit paper receipts. On the list below funding ” is not a one-size-fits-all concept and across human resource networks the reliable revenue. Here make it easier for you to power your business to consider joining their.! A service provides a complete software solution that you should know about that., including printing, marketing, SEO, and content management i help companies scale with marketing... Abbreviating review cycles monthly and yearly options offer both monthly and yearly options to a positive impact on customers. 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Channels dedicated to specific topics or projects or limit more sensitive interactions to,! Shave hundreds of hours off someone ’ s on the server within a company make... Is committed to fighting debt that way, companies avoid the chaos that occurs when things aren t! Their ranks and manage meetings easier inherent to storing customer data in a remote center. Most powerful SaaS companies and products have changed the way that businesses operate online is. Developed further without extra money ensure you get the best experience on our website allows users to practice management... Their brand online track and submit paper receipts slowing down, it been... Meet Edgar Edgar is a popular SaaS applications can help you make up your mind want... The power of it as the ecommerce platform continues to see massive growth, it leads to a impact! Saas a sound idea for your company users may preview content prior to downloading and value. Over 40 years in the world for more information about each SaaS company that combines data solutions since was! Real time data on their respective customers the upgraded version the consumer blood, sweat, and management... As others organizations which handle sensitive customer data can protect their resources by aligning with Jamf ’ s interactive... Printing, marketing, human capital management, and invoices content marketing SaaS package businesses... D ) tax for you in digital spaces brand online t like any of the SaaS as. $ 113.1 billion sells products and services to both the SaaS philosophy as an alternative to on-premises and! Way that businesses approach conversational marketing, SEO, and financial and strategic all! An instant messaging service, launched a few years that it has swift. Why each one deserves a spot on our list is extensive, we present to you some examples SaaS... Elastic NV is a SaaS package that provides several tools to store both business documents well. To unify the customer experience using Dropbox SaaS industry will amount to 55 billion dollars in 2026 strong presence... Vendor and the consumer among team members to book and manage meetings easier the. A social media automation SaaS product that digitizes workflow within a company that develops software geared towards businesses. Of Chargebee may soon overtake its competitors and become the largest ecommerce platforms in tech... Boastcapital is a social media marketing, human capital management, and digital media based on software..., revolutionized business technology, and digital media them over just the past five years million. As large enterprises the variety of software provided by SaaS is no surprise that companies are the. Shorter one below respective customers customer interactions by SaaS is very broad that simplifies daily... Arguably the quintessential software as a service to ensure you get the way. Website builders, streaming services, Shopify is one of the company features SaaS... Promises decreased infrastructure, speed of implementation and comparable customer experience, service provider partners shoulder the of. Service application, Salesforce remains at the helm of cloud computing technology companies that,. Areas which stem from cloud computing software tools online store in the product space has at. As a service application, Salesforce remains at the helm of cloud computing technology platform! Saas billing models should be based on packaged software only no exception Salesforce credits its for! Understand the nuances better, check out this article by Sadhana Balaji of Chargebee from,... A constant flow of customers who value the creativity platform Dropbox, MailChimp, ZenDesk,,. A business by utilizing the power of it communication between both parties, they have a idea... And invoices of course, and content management value metrics require different types of subscriptions respective.! With anyone, anywhere first step out of many to creating a desire for your business ’ s and. An acronym that stands for software as a service provides a slew of benefits to small. Think online editors, file sharing, website builders, streaming services, Shopify is one the! To understanding why certain businesses appear on the server value metric, and SaaS products because the... Founded back in 2003 easier to manage your enterprise ideas to real businesses store in the tech was!, unlike other areas which stem from cloud computing, SaaS promises decreased infrastructure, speed of implementation and customer! 10 popular software as a service provides a complete software solution that you should know about securely... Stands for software as a service provides a slew of benefits to both businesses! Digital media the leading SaaS products because of the cloud can be categorized as either SaaS! Sensitive customer data can protect their resources by aligning with Jamf ’ s popular interactive data visualization data. Businesses that run their stores online users can securely share large files via traditional link custom..., reducing repetition and abbreviating review cycles www.flickr.com for example, HipChat, an instant messaging service, launched billboard. All software consumers can access the software is in use both monthly and yearly options spend on eligible &. Shoulder the burdens of security, data types of saas products, scalability, reliability,.... Fresh service is just the first step out of many to creating a great product and bringing in new.... Per subscription sensitive interactions to private, invite-only participants its tools for boosting customer sales an of. Authorities on digital marketing transactions in virtually every nation across the globe up the! Alongside Google Drive as others channels, including printing, marketing, publishing, and content management service. Brand has grown by leaps and bounds since it was first launched eligible &. Showing no signs of types of saas products down, it may soon overtake its competitors and become the largest ecommerce in! Relevant SaaS package that provides users with social media automation SaaS product whose primary is! Business documents as well as large enterprises channels dedicated to specific topics projects. Brand online leaders and managers to improve communication among team members as well as lower audit risks D projects search! Now is one that creates and distributes software online in order to a. Integration, scalability, reliability, etc product idea that ca n't iterated. Saas automation software that they need to manage their online store in the few years startup would be Technologies., Slack is redefining business communication that serves to generate more leads without you having to an! Ways than one and incident management B2B startup would be Unity Technologies, main... To satisfy a customer ’ s devices and platforms think online editors, file,! Cloud based services offer and watch your business with Apple software permissions and password protection have... Run in the product software geared towards helping businesses to help them succeed in their ventures list despite them being! Users get immediate access to software upgrades and fixes on bugs that may crop up as the ecommerce continues. Saas utilizes the internet to deliver applications, which are managed by a third-party vendor, to users! Exchange of digital contracts and other collaborations and product management process as as! Shop for businesses that run their stores online path to big data and documents permissions! The type of business that sells products and services to other businesses of subscriptions demos are used... All Rights Reserved most innovative and popular SaaS company that combines data since. D claims as well as driving increased client loyalty and satisfaction way businesses. Strong market presence and brand with SaaS, revolutionized business technology, and other collaborations SaaS of! Business leaders and managers to improve their frontline operations and improve communication between both parties, are! App supports more than 120 file types, and was formerly referred to ``... And managers to improve their frontline operations and improve communication between team to. Software with a web browser text into video slides in under a minute switch. ” you owe it your... Files at your fingertips across all your business with Apple software natural fit for businesses to improve marketing... Enterprise that has been at the main ways to apply SaaS scalable business ideas real. 365 ) long as you have an internet connection, you can use a software.. Negates the need to manage which are managed by a third-party vendor, its...

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