Which term describes the complete software stack that includes infrastructure, environments, and the actual product used by end-users?

The term that refers to the complete software stack encompassing infrastructure, environments, and the actual product used by end-users is SaaS, or Software as a Service. SaaS delivers software applications over the internet, allowing users to access the software from various devices without needing to install it directly on their local machines. This model provides not only the software but also manages the underlying infrastructure and platforms, ensuring that everything works seamlessly for the end-user experience.

In the context of SaaS, users benefit from the ability to utilize fully functional applications with minimal setup or maintenance, given that the service provider manages everything from maintenance to updates. This contrasts with other cloud computing models, where the focus may just be on specific components of the stack rather than the entire solution offered to the end-user.