Which model includes everything IaaS and PaaS provides, plus additional software programs?

The model that encompasses all the features of Infrastructure as a Service (IaaS) and Platform as a Service (PaaS), along with additional software programs, is Software as a Service (SaaS). SaaS delivers software applications over the internet on a subscription basis, allowing users to access these applications through a web browser without the need for installation or maintenance.

IaaS provides essential computing resources such as virtual machines, storage, and networks, while PaaS offers a platform allowing developers to build, test, and deploy applications, integrating tools and services. SaaS builds on both of these by providing ready-to-use applications that eliminate the need for users to manage underlying infrastructure or platforms. This makes SaaS ideal for end-users who require software that is fully managed and maintained by a vendor, offering convenience and streamlined access to functionality.