• Serverside Group grants license for its US card customization patents to financial services provider, DimpleDough.

• CashStar announces year-over-year growth in Mother's Day eGifting cards sold.

• MobilePaymentsToday takes a look at Zooz In-Ad Payments service.

• FlexScore provides waiting list for access codes to beta version of their web-based financial advisor platform.

• American Banker features crowdfunders LendUp and Realty Mogul.

• TransCard congratulates technology partner FamZoo on winning FinovateSpring 2013 honors.

After the final demos wrapped up on two fintech-packed days at FinovateSpring 2013, the audience voted for their favorite demos to ultimately decide who would be named Best of Show. The top 5 overall took home the trophies.

The winners (in alphabetical order):

We'll have the videos of all 72 demos posted on Finovate.com in a few weeks.

Thanks to everyone who joined the audience and came to be a part of our largest show so far. And thanks to the 77 innovators* who braved the Finovate stage. 

------------------------------------------------------------------

*Five demos hosted a co-presenting company, including Visa, MasterCard, USAlliance Credit Union, Intuit, and Paydiant

Notes on methodology:  
1. Only audience members NOT associated with demoing companies were eligible to vote. Finovate employees did not vote.     
2. Attendees were encouraged to note their favorites during each day. At the end of the last demo, they chose their three favorites.    
3. The exact written instructions given to attendees: "Please rate (the companies) on the basis of demo quality and potential impact of the innovation demoed."  
4. The five companies appearing on the highest percentage of submitted ballots were named Best of Show.  
5. Go here for a list of previous Best of Show winners.

• FamZoo, LendUp, Money Desktop, PayNearMe, and TipRanks win Best of Show honors at FinovateSpring 2013 in San Francisco.

"Prestadero uses its proprietary management software to originate loans in an extremely efficient way. Our platform allows us to parse out declined loans in seconds and determine rates for approved loans in less than 1 minute.  

Our web interface allows lenders to view their entire portfolio in detail. Lenders can also view specific graphs and scorecards that allow them to make better investment decisions, even if they are not investment professionals. We provide lenders with tools, such as our "diversification index," which quickly and comprehensively lets them know their risk exposure depending on the diversification of their loans. Our software also enables lenders to select multiple loans at once by filtering through the user's selected criteria. They can also choose to reinvest their returns based on the same or a different set of criteria.

Through their online account, borrowers have full control over their loan's entire process, from filling out the application to paying it off completely. We also charge the borrower's bank accounts directly when their payments are due, diminishing delinquencies and providing a better service for our customers. The entire process is streamlined and coded with peer-to-peer finance in mind, reducing human interaction on the back-end of the technology and providing more accurate, up-to-date information on our front-end."

"Plastyc is demonstrating the administrator-facing side of the BankingUP platform, allowing issuing banks and program managers to:

• Monitor and analyze cardholders' financial activity in real time;
• Monitor and analyze cardholders' non-financial activity; e.g., usage of mobile apps and web, customer support interactions;
• Communicate instantly with programmable subsets of cardholders via web inserts and smartphone push notification for marketing/upselling and product alerts.

This is a departure from traditional batch mode financial-transactions only reporting obtained from processors."

"Zooz will show an exciting new feature that demonstrates an important use case of the Zooz consumer driven platform capabilities."

"Capture data-driven customer insights and boost customer loyalty through useful online experiences. Captivate and connect with customers across business-critical digital channels using the Adobe Marketing Cloud. Maximize the value and impact of your institution's online presence and drive online customer conversion using the robust analytics and powerful visualization tools in Adobe Marketing Cloud. 

Launch, analyze, and refine lead generation campaigns across channels, including web, mobile and email. Get real-time insight into online campaign performance and engagement. Modify in-progress campaigns to increase response rates, conversion rates, and revenue. Then refine and personalize experiences to encourage repeat visits."

"The LendUp Ladder changes the dynamics of a small dollar loan; rather than being a dangerous first step into a cycle of debt, small dollar loans become an opportunity to learn good financial behavior and to build credit."

"Gremln is introducing its new Secure Social Media version, designed for financial services companies. This new product creates the ability for marketing and compliance departments to work together toward the common goal of utilizing social media to build business and retain customers through engagement; all without violating guidelines set forth by regulatory bodies like the SEC, FFIEC, and FINRA.

Keyword and phrase filtering, abstract concept matching, a structured approval process, archiving and custom permission settings for each department and team member. All posts are subject to an approval process that you custom design. Maximize your use of social media fearlessly."

"The Tradeslide Challenge is a gamified learning process where traders compete to develop the skills that make up a solid trader (risk management, discipline, etc.), in the right order, one badge at a time."

"Micronotes Cross-Sell is simply the most productive digital cross-sell tool on the market. One of our customers is demonstrating this by showing the product, sharing results and explaining what those results mean to his financial institution."

"Persint's consumer analytics application integrates with account aggregation and is designed to complement existing PFM. Leveraging public data sources mapped to conform to aggregation categorization, Persint delivers performance context through comparison to U.S. household peers. 

Just five demographic inputs can segment a household into one of over 100 unique peer groups. Other solution features include:

"Bright Funds offers a simple, elegant tool to the financial services sector for effective charitable giving management. With Bright Funds, individuals create personalized giving portfolios and contribute to thoroughly researched funds of highly effective nonprofits addressing the greatest challenges of our time. Bright Funds combines the power of research, the reliability of a trusted financial service, and the convenience of centralized contributions and tax reporting."

"ValidSoft's SMART platform caters for the disparity in mobile networks and devices, use cases and the corresponding transactional risk intrinsic in mobile payment applications. SMART achieves this by providing a layered architecture of voice and mobile network‐based security protocols and technologies, both visible and invisible, to protect mobile payment and M‐banking transactions alike."

"The Cymonz application includes a client transactional website and the back office management application with specific currency and international payment business processes, customization and integrations. The application addresses a wide spectrum of needs, including client management, currency transactions, risk management, settlements and compliance. 

Cymonz integrates with third party applications and can be configured to allow for liquidity, payments, customer service as well as anti money laundering, marketing and support tasks. 

iOS and Android applications are also available along with the ability for you to white label your currency application and provide it to your partners to increase currency and payment flows."  

"HarmonyLoan Central is the client-branded, consumer web-interface for borrowers to access their HarmonyLoan. The Loan Retention Software (LRS) eliminates a traditional refinance. With one click and an e-signature, a borrower resets their rate, incurring zero closing costs, with no credit check, or underwriting, all in minutes. The FI has no back office processing costs, increases retention, at a premium yield. The servicer reduces portfolio churn, and the originator creates a recurring revenue stream. In other words, everyone wins."

"Allied's Picture Pay is the nation's first mobile bill payment application that enables financial institutions' customers to pay bills using the camera on their mobile device. With Picture Pay, users simply take a picture of the bill, enter the amount and date, and the bill is paid.

Picture Pay's technology does the rest by reading the data from the bill, then syncing with the customer's bank or credit union to process the payment. Additionally, Picture Pay can automatically add a new biller to the user's online banking system, eliminating the hassle of entering the payee and account information online."

"SeedInvest is demonstrating its state-of-the-art, equity-based, crowdfunding platform and a number of groundbreaking features including:

Due Diligence Dashboard

• Virtual Diligence Session
• Permission-based Dataroom
• Diligence Board

Simple Invest

• Instant Identity Check
• Legal Docs Execution
• Streamlined Funds Transfer

Virtual Boardroom

• Virtual Board Meetings
• Easy Reporting
• Quick Signatures"

"Arxan's Mobile Application Integrity Protection products deliver critical defense and shielding at the application layer with static and active self-defend and tamper-proof attributes. By deploying Arxan protected apps, financial institutions can launch advanced and feature-rich mobile financial services with confidence. 

Our state-of-the-art 'Guards' are small units of object code that "lockdown" applications with multiple and performance sensitive protection against attacks such as: malware, fraud, data breach repackaging, unauthorized access, IP theft, removal of security or critical business logic; all of which would have significant consequences for financial institutions." 

"Powered by PayNearMe is a white-label treasure services product that any financial institution can offer to their merchants to enable them to accept cash payments from consumers at thousands of 7-Eleven and ACE Cash Express stores nationwide."

"Curaxian Analytics is a software service that helps merchants or processors quickly identify fraud attacks and build better rules that find the optimal balance between stopping fraud, protecting good orders, and minimizing manual review volume. It also helps merchants and processors reduce authorization declines and control interchange costs."

"The ShopAlerts Wallet combines Placecast's expertise in location-based marketing with the latest innovations in mobile commerce. Built in HTML5, the Wallet works on all smartphone platforms and offers customers a first-ever turnkey solution for launching personalized, location-based mobile offers tied to mobile payments. There's no app to build for marketers, and no app for consumers to download. Unlike other mobile wallet offerings, Placecast offers the Wallet as a white-label solution specifically built for credit card companies, mobile operators, and retailers."

"Refundo's Mobile App creates an opportunity to transition millions of underbanked and unbanked households into the financial mainstream by enabling them to open an FDIC-insured bank account using just a smartphone. 

The Mobile App features account balance, debit MasterCard, transaction history, and a network of tens of thousands of ATMs and deposit locations across the U.S., and more. From the beginning, the Mobile App was designed to deliver the best user experience, security, and convenience in mobile banking."

"The IntelliResponse Virtual Agent solution delivers a single, accurate, and approved answer to self-service questions posed across a wide array of customer interaction channels, including corporate websites, voice and text-enabled mobile applications, social media platforms, and agent desktops.

With the addition of voice recognition technology, the IntelliResponse Virtual Agent solution enables mobile users to simply ask their questions in a natural conversational style and receive one right answer wherever they are.

With IntelliResponse's voice of the customer analysis tool, banks and other financial service institutions can intelligently organize the millions of customer questions in theme clouds to be able to quickly identify trends, ideas for campaigns, and more."

"In the market for a new home? Get a complete analysis of your financial profile to understand what you can afford from discovery to decision. Easily find properties in your area that match both your requirements and your budget. Receive offers from multiple lending institutions and easily compare them to determine the right one for you. Make sure you'll get the best mortgage rates by monitoring your credit for free on the go.

It's the one mobile app that provides the information, analysis, advice and offers you need for every important financing decision."

"The GoNow eWallet Platform includes the GoNow eWallet Card, a reprogrammable electronic device that looks like a standard payment card. The GoNow Card becomes any credit, debit or stored-value card in a consumer's eWallet "on the fly." It receives commands from an eWallet and can be tapped or swiped at all existing POS terminals and ATMs without any change to the existing payment infrastructure. 

The GoNow Card, which communicates in close proximity with a smartphone, is the ideal eWallet companion card. GoNow also has a secure element in the card that may be used in lieu of, or in addition to, a secure element in the phone."

"As the economy continues to recover, consumers and the nation's more than 21 million personal businesses are looking for tools that will make it easy for them to manage their complete financial picture, including getting ready for tax time. Intuit will demo a new Mint.com feature called Mint MyBusiness, designed specifically to help consumers who are also small business owners to manage their finances - personal and business - all in one place. Additionally, the company will demo the integration of Mint within the digital banking experience of financial institutions, blurring the lines of traditional banking tasks and financial management."

"TipRanks is the first online co-browser that aggregates, scrutinizes, and ranks digitally published stock recommendations. TipRanks' Financial Accountability Engine transparently provides the individual investor unbiased information about the reliability, accuracy, and track record of those who provide sell-side advice. TipRanks' free cloud-based technology provides unprecedented measurement and clarity to the worldwide financial advice domain. It lets the investor decide who to trust."

"Yseop Financial represents the latest round of financial applications developed on Yseop's technology. This suite of products covers the full range of possibilities offered by Yseop's text-generating software, including a prep-to-meeting report, an automatically generated two-page financial executive summary based on the latest market data, and a personalized retirement planning application."

"BBC Easy reads lender-specified data directly from the borrower's accounting systems for verifying loan compliance and financial viability. BBC Easy also fully calculates the borrowing base certificate for borrowers saving massive time for lenders and borrowers. It is mind-bogglingly simple to use for lenders and borrowers and provides brilliant growth potential for commercial lenders."

"At the core of our platform is the FlexScore 'scoring engine' comprised of multiple factors the Certified Financial Planner Board of Standards agrees should be monitored by consumers. Based on our patent-pending algorithm, FlexScore is an industry first, a single gauge of a person's overall financial health. Until now, there's never been a comprehensive score that represents 'who' you are financially. Through a combination of gamification strategies, custom action steps, peer ranking, and the ability to model financial decisions to see how they will impact your future . . . we make improving one's financial health a fun and achievable goal."

"Kofax will demonstrate how banks can onboard customers to specific products, services or accounts and capture customer content, data, and documents in support of the onboarding process directly from the mobile device. 

Customers will be prompted to submit information that is automatically extracted, validated for accuracy, and then utilized in the decision process. In cases of exceptions or errors, users will interactively be guided through the resolution process of providing a trailing document (supplemental information) or providing additional clarification or information for the purpose of opening the account."

"The Encap product is a software-based authentication solution that provides uncompromising speed, security, and simplicity to boost the adoption of financial services and applications. It allows any service provider to offer two- and three-factor authentication using the customer's smart device. 

Integrating Encap's client SDK with a native app creates a seamless, familiar login experience while maintaining banking-grade access security. The 1st ("know") factor is the user-defined PIN, the 2nd ("have") factor is the uniquely identifiable smart device and the 3rd factor ("are") is the user's typing behavior. By integrating with Encap's server-side SDK, the service provider can use Encap's solution as part of its existing identity management access control service and signature systems."

"Snap to Tag brings together real-world receipts with digital experiences. It enables consumers to take a photo of a merchant receipt within their mobile banking application, extracting key data elements and automatically attaching the image and its data to transaction details within mobile and online banking transaction listings. Consumers can then review the image if they have any queries at some point in the future. It addresses specific use cases like having receipts for expense management and / or product warranties.

Snap to Tag will be a feature within our Mobiliti application - our market leading mobile banking and payment platform."

"LICUOS is demoing its core technology: a unique proprietary and patent-pending technology that enables an efficient and highly secure processing of accounts payable and receivable transactions, 24/7 and in real-time, to deliver the best financial optimization and user experience. Our algorithms automatically identify and generate the most convenient and efficient netting, payment and funding proposals. They manage all of the associated transactions that allow businesses to significantly reduce or eliminate their commercial debts. LICUOS gives businesses full control and visibility into the payment process and allows them to easily communicate and negotiate with their business partners."