Final answer:
The correct cloud service model is SaaS (Software as a Service), which provides access to software applications without the need to manage the cloud infrastructure or configure applications or databases.
Step-by-step explanation:
The cloud service model that allows its consumer to access applications running in the cloud infrastructure but does not enable the consumer to manage the cloud infrastructure or configure the applications is SaaS (Software as a Service). In this model, the cloud provider hosts, maintains, and manages the software applications and the underlying infrastructure. Consumers can use the software via internet access without worrying about the maintenance or configuration of the database and servers. In contrast, IaaS provides infrastructure components such as virtual machines and storage, PaaS offers a platform allowing customers to develop, run, and manage applications without the complexity of building and maintaining the infrastructure, and DaaS delivers database services to the user without the need for setting up physical hardware, installing software, or configuring for performance.