"(eToro) was selected as the Best Social Trading Network, Best Mobile Trading Platform, and Best Trading Software Provider by the World Finance Awards. eToro was selected following an email poll of 40,000 industry decision-makers due to its innovation, originality and quality of product, as well as proof of market development and excellence in client representation."

• Reuters advises opening a BankSimple to avoid bank fees.

• Fox Business News interviews Bill Harris, CEO of Personal Capital, on the startup's services. 

• Digital Stock Market recommends using Yodlee or Mint to help control your spending.

• eToro makes its blog available as a WebTrader widget. 

• SmartMoney discusses Personal Capital's advisor video chat feature.

• Q2ebanking adds its mobile app to the Android marketplace.

• Xero wins K2 Quality award for SaaS.

• SecondMarket puts itself up for sale using its own site, SecondMarket.

• Wall Street Survivor announces the winners of the August Stock Game Giveaway.

• Lifehacker advises using BrightScope to analyze your 401(k) during a "financial bootcamp day." 

• eToro wins 3 World Finance Awards.

• Here we go, Finovate number 10 starts in 10 minutes. Lots of cool tech coming! Follow the #finovate hashtag for next 2 days.

• Weemba is launching a "reverse lending" system that puts borrowers in control. Only lenders they authorize can contact them. Link

• Demyst.Data is launching a lender predictive analytics system to grow portfolios through better segmentation. Link

• Google is showing its new Advisor  that is designed to improve the search experience for mortgages, credit cards, etc. Link

• Google is showing how you can easily compare terms and conditions. It is inviting banks to talk to them to participate. 

• Betterment is launching goal-based investing to its simple investing platform. Link

• Betterment is showing how to create multiple goals with different asset allocations. This is a great, understandable investment UI.

• Segmint is launching SegmintSocial, a platform for financial institutions to interact with customers on Facebook. Link

• Segmint is demoing a bank dashboard and live chat-like user interface to engage customers in Facebook. 

• Kabbage is debuting its SocialKlimbing system that uses social activity as part of the credit evaluation process. Link

• That's it-- FinovateFall is a wrap...see you in the networking hall!

Wow, what a brilliant two days! Lots of new technology, creative twists on the state-of-the-art, and things that will someday be mainstream. As usual, at the end of each day the audience voted on their three favorite demos. Nine shiners were crowned Best of Show (see note for methodology).

FinovateFall 2011 Best of Show winners (in alphabetical order):

• BillGuard
• Dynamics
• eToro
• FamZoo
• FeeFighters
• LearnVest
• Offermatic
• oFlows
• Personal Capital

We'll have videos of all 63 demos posted at Finovate as fast as possible (probably 2 weeks out). 

Thanks to everyone who participated. I know it's a cliche, but we couldn't have done it without you!

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

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 as the day progressed and to choose just three favorites from the demos of that day. Ballots were turned in at the end of the last demo session each day.  
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. Note: Ballots with more than three companies circled will not be counted."  
4. The nine companies (see #5) appearing on the highest percentage of submitted ballots were named Best of Show. 
5. In general, we aim to highlight the top 10% of demos as Best of Show. In this case, we had a three-way tie for 7th place, so we ended up awarding 9.

"A cash management tool that simplifies daily spending, provides real-time budgeting, and incentivizes goal achievement. Cardholders engage in a highly interactive debit loyalty and cash-back rewards program grounded in their personal savings goals. GoalCard's engagement engine and accelerated feedback loops drive a dynamic relationship across cardholder "save-spend" transaction activity. GoalCard is integrated within Facebook to amplify the social and viral user experience, publicly vesting cardholders in their own success. GoalCard's platform deliberately reinforces behavior critical to a sustainable card program (viral acquisition, time to initial load, direct deposit, spending mix, dormancy response time, fraud profiling)."

"ReadyForZero's online program reduces bank credit losses and lowers collection costs by helping average borrowers better understand, manage, and pay down their debts. By using real-time data about a person's financial situation, ReadyForZero delivers personalized payment and behavioral recommendations that can immediately save people time and money while at the same time improving retention and reducing credit losses."

"With Free Rebate, any merchant - small or large, online or offline - can offer compelling automatic rebates to its customers and grow sales at no cost. No integration is required and it is easy to set up: you can create your Free Rebate offer in less than 5 minutes.

This model enables merchants to get a great promotion to increase sales from current customers at no cost, while Offermatic gets new customers for its service."

"Its "wow" innovation is a new online and mobile banking platform, which is reinventing the way a bank can communicate with its customers. Use of natural language, simplicity, usability and data visualization are the key differentiating factors. Easy-to-use main features include the account and transaction visualization, wizard-type money transfers and investments, zero-effort personal finance management, online sales engine and support center. 

Through IND's use of iPhone and Android applications, mobile banking is more than just the extension of online banking features. We think the capabilities of the mobile should be fully used, like GPS location, camera, and the fact that it is always online."

"eyeOpen introduces matching technology in the financial world. The eyeOpen technology enables the business models of a free internet-based financial planner that lets users put information from several sources onto a single screen and then recommends suitable products. 

In order to get a match for a suitable mortgage, the consumer answers 13 simple questions. Based on his profile, he will be presented with the option that over 1,000 people like him have chosen, and also with 3 product choices based on what over 500 financial advisors would advise people like him. The algorithm behind this model crunches over 2 million data points per consumer and is based on extensive market research."

"Offering bank customers an enhanced eStatement

 experience using secure and interactive e-mail messaging to view, activate and otherwise interact with their targeted rewards with the full functionality found in electronic banking. Offers are embedded into relevant transactions using Cardlytics' industry leading placement engine. Secure and interactive eStatement delivery is provided by ActivePath's innovative ActiveMail solution."

"Imagine a day when you could easily understand your fine print and:

• Buy a home and quickly decipher the Terms and Conditions of your mortgage
• Know exactly what your insurance policy covers, with a click of a button 
• Never have to lie again when you click "I have read, understand and agree to the Terms and Conditions" when visiting a website online
• Save for retirement with confidence 
• Know the true cost of your mobile phone plan, credit card, airline tickets and bank accounts

Transparency Labs works by: 

• Aggregating thousands of pages of Terms and Conditions issued by America's largest corporations and financial institutions
• Analyzing the most widely used standard-form-contracts using an objective & empirical methodology
• Cataloging over $100 billion in hidden fees and surcharges and millions of fine print data points
• Tracking ongoing changes in fine print agreements"
• 
  

"Bundle.com has recently launched the ability for people to personalize their search based on select demographic or behavioral profiles. So, for example, if you want to figure out where foodies are going to eat in Chelsea or where the 26-35 yrs people are shopping for clothes, it's all available on Bundle."

"The free DoughMain platform consists of a family calendar that is integrated with a chore tracker and an allowance/rewards tool. Parents set up their own customized DoughMain that serves as a secure micro-network for the family. On top of its family coordination platform, DoughMain offers financial education via three age-relevant game sites and integrated real-world financial experiences including a bank account and a Visa reloadable card."

Later this afternoon, miiCard demonstrated an identity service that proves users are who they say they are:

"Simply put, we have a catalyst for change in miiCard - a user-centric federated identity that can truly change the way we transact online. A new proposition in the Electronic Identity and Verification (eID&V) market- place, miiCard, for the first time, offers the capability to establish online trust purely online and in real time. Whilst other identity providers and credit reference agencies validate informa- tion about someone - such as their address, credit rating and, more recently, some have introduced behavioral aspects such as questions about transaction history, miiCard validates that a customer is who they say they are. Equally important to the vendors, benefits to the consumer are:

• Security and control of personal data 
• Convenience, consistency and simplicity 
• Trust between parties in a purely online environment

miiCard is a federated identity service, which means it sits between the consumer and the vendor (or other consumer) and provides a level of trust between parties. miiCard can support not only the UK but North America, Western Europe, India, Australia, New Zealand and soon South Africa."

Product Launched: October 2010 

HQ Location: Edinburgh, United Kingdom 
Company Founded: 2010 
Metrics: Seed funding raised, 5 employees
Website: miicard.com

Presenting James Varga (CEO)

"It couples a real-time stock market simulator with content to provide missions. Missions are a set of tasks that teach financial concepts such as creating a portfolio, researching stocks and mastering different trading strategies. Users learn through content and are given virtual cash to test their knowledge on the stock market simulator. Badges and rewards keep users engaged to keep pursuing missions. Wall Street Survivor also has leagues, where users can create their own virtual stock market competitions with their friends or join Wall Street Survivor's leagues where the top traders win real cash."

"Samurai is a feature-rich gateway that provides ultimate flexibility at an affordable price. With Samurai, you'll be able to integrate payments on your site in minutes. Samurai boasts premium features such as intelligent routing, data portability, and gateway emulation. Send payments anywhere at a transaction level, meaning you can send a transaction where it makes the most sense financially. It's also universally compatible, so you aren't locked into a particular provider. Incredibly easy setup at a fantastic and simple price: $10/month + $0.10/transaction, no other costs."

"A private-labeled solution that allows you to securely deliver proprietary research and multi-media content directly to your clients' Apple, Android, BlackBerry, or Microsoft smartphones and tablets. 

Through CarryQuote's unique, SaaS-based mobile technology platform, which offers compatibility across all five major mobile platforms, CarryQuote IntelliCast allows you to place a highly-advanced, branded mobile application in your clients' hands, and become their "go to" source for the latest financial research. Notably, this turnkey solution can be customized and deployed across all platforms in under six weeks."

"PayNearMe combines a load network with a flexible application development platform that enables consumers to conduct a broad range of remote business transactions.We will demonstrate PayNearMe-based applications in international remittance, retail-enabled bill payment, and mobile payments with cash."

"MasterCard inControl is an innovative, flexible service, which enables issuers to easily introduce payment products that offer unparalleled controls and real-time alerts to both consumer and commercial cardholders. 

The suite of inControl offerings satisfies strong end-user needs for high security and controlled access to spending accounts, while providing cost-efficiencies and speed-to-market for issuers without the need for any changes in the payment process at the merchant."

"RevenueLoan is our light-weight and flexible financing option that fits an unmet need in the small business funding market. Our revenue-based finance model exchanges growth capital for a fixed percentage of a company's revenues. 

Entrepreneurs prefer this as there's no dilution, no loss of control, and no fixed repayment schedule. For us, this provides a more scalable funding strategy as we have more consistent of repayment than venture investors while achieving higher rates of returns than banks. We're also the first small business lender to build a company's social media and web presence directly into our loan evaluation process."

"With Jingit, you earn real cash (not credits, points or virtual currency) by engaging with brands. Instantly spend that cash to buy goods online with your Jingit balance, or in the real world with a Jingit Visa® Debit Card."

"We are to demo the core proposition of planwise, which enables the consumer to > Learn > Plan > Quote > Apply > Get Advice around any life plans they may have and the credit products that would be required to make them happen. 

The tools enable any consumer from all ranges of demographic, age, financial or computer knowledge to better understand how the plans they make today affect their finances in the future, so they can make better decisions. We will be launching with demoing mortgage products."

"InComm's innovation is a mobile commerce platform that will deliver promotion, loyalty, and general payment solutions to national merchants and their customers. This will differ from other mobile wallet platforms in that the solution will tailor to the retailer's needs, providing a merchant-branded environment and thus, the ability to be directly involved in the consumer's wallet experience. 

When combined with loyalty and gifting, merchants will have a fully functional application that simplifies the consumer's life, reducing the need for magnetic swipe technology and harboring next generation technologies such as near field communication."

"This year we have expanded beyond financial institutions and have made the oFlows technology platform available to everyone. So if you are still using paper for your applications, purchase orders, order forms or just about any other kind of transaction, oFlows can help. 

We take your products, forms and rules and put them into a completely paperless mobile platform that will run the rules, make offers, fill the forms, get them signed and manage all of the required supporting documentation - all from iPads, Android tablets and smartphones. And because oFlows seamlessly integrates with payments systems, you can complete complex transactions or take deposits on the spot. So now you can transact anywhere, anytime without having to lug around a clipboard full of paper forms."

"FamZoo Partner Edition allows credit unions, banks, financial advisors, and other financial organizations to offer a co-branded version of the FamZoo Virtual Family Bank to their client families. Using FamZoo Partner Edition, organizations can:

"Cartera will unveil its Local Offers solution enabling banks to tap the explosive growth of the local deals market popularized by Daily Deal sites. Cartera Local Offers allows Banks to market local, card-linked offers to their customers to increase engagement, drive new revenue and maximize card spend. 

Cartera executives will demonstrate how merchants advertise local offers, how banks target and market offers, how consumers accept and redeem offers in local stores, and how banks and merchants track sales and results- all with maximum consumer privacy protection and minimal impact on bank or retail systems."

"LearnVest's new suite of products helps users manage their finances under the LearnVest Method - "Get informed, get organized, get support." The new Take Control Bootcamp email program educates users on managing and maximizing cash flow. The My Money Center allows users to get organized by viewing all of their accounts in one place, and personalize budget items and spending goals through a Financial Inbox. The LearnVest Advice Center includes online multimedia courses and one-on-one email access to LearnVest's Financial Planning Team so that members can get the answers they need when building a long-term financial plan."

"This StatementRewards enhancement provides the industry's first social benchmarking for consumers. Detailed transaction summaries will use merchant, category and location data to give users insight into their spending and how it compares with their preferred social groups. Purchase Insights integrates directly within the bank's existing online and mobile interfaces and is completely free to users without any setup. In turn, banks need zero additional integration to offer StatementRewards to their customers."

"Mobile Balance Transfer is new, easy, attractive and cost-effective way for a bank to acquire new credit card customers. The mobile application enables a bank's customer to use a smartphone camera to take a picture of a competitor's credit card payment coupon. The customer transmits the information to the bank, which then can offer the customer a better interest rate to incent the customer to open a new credit card account and transfer an existing balance. 

For banks, Mobile Balance Transfer broadens the reach of traditional balance-transfer-marketing programs, enabling the bank to interact with the customer in real time. By accepting the bank's offer, the consumer simply transfers his or her outstanding credit card balance to a new credit card account offering a more attractive rate. Consumers gain reduced costs on their credit card accounts and the banks offering Mobile Balance Transfer gain new credit card customers more cost-effectively than previous balance-transfer methods. Mobile Balance Transfer is the latest in a rapidly growing family of mobile-banking applications for banks, credit unions, brokerages and payment-management providers that are all rooted in Mitek's patented mobile image-capture and data-extraction capabilities."

"FreeMonee will demonstrate a powerful new extension of our gift platform that introduces a whole new way for consumers to interact with their financial institutions. The product draws on the power of FreeMonee's analytics and scoring capabilities to create a new form of merchant search."

"Swipe2pay enables customers to make payments at 17,000 banks and 100,000 retail locations nationwide. Swipe2pay permits cash preferred consumers to make a payment by simply swiping their card. Credit cards, store cards, gas cards and thousands more can be paid in cash at any participating location. This innovative service takes 99.9% of all cards, automatically enables over half a billion cards as well as over 300,000 card programs with a single software connection. 

For billers, Swipe2pay delivers error-free convenience at a lower per-payment cost with no exceptions or misapplied funds. Payment networks will see increased store traffic and new revenue streams; with no new start up costs or equipment to buy. Our services directly integrate into current infrastructure. Consumers will avoid late fees, stamps, money orders, and paperwork: all at a lower price."

"It is a tablet-optimized business banking solution. The solution is targeted towards business executives who are interested in robust and graphically rich presentations of company data as well operational tasks like ACH and Wire release and bill payment."

"It guarantees transaction integrity through display-based confirmation/signing, while the hardened browser (CLX.SecureBrowser) provided on board ensures information confidentiality and further thwarts the impact of malware. CLX.SentinelDisplay can be used as a multi-functional authentication device or as a dedicated highly secure class-4 smart card reader bringing the highest security to e-Banking. 

The solution implements an encrypted bi-directional, end-to-end channel between the e-Banking server and the device firmware. Architectural browser hardening is further enhanced through Pro-active Security Updates that can prevent the first-time effort hacking patches from being easily exploited for large scale attacks."

"The Swipely loyalty platform offers merchants an easy way to create dynamic, customized rewards programs linked to their customers' existing credit or debit cards. The Swipely merchant portal gives participating merchants unprecedented insights into customer shopping behavior and offers a powerful way to segment and engage with customers based on RFM (recency, frequency, monetary value) profiles. Consumers use Swipely to discover, track and earn cash-back rewards at their favorite places to shop."

"Grip is a financial decision-support tool that supports consumers' day-to-day living by empowering them to understand their money flow simply and without clutter. The mobile and tablet app enables financial institutions to provide quick, convenient information to the consumer on the go, addressing top mobile needs. With no reliance on core integration, financial institutions can offer Grip in as little as three weeks without any upfront fees and costs 99 cents each month for customers who use the app."

"Chip & Choice is intended for the EU and other markets that utilize EMV (~85% penetration in EU). The battery-powered card has multiple "chips" including a central processing chip and a secondary "EMV" chip. The applications are loaded in a central "chip." Based on what button a user pressed on the card, the appropriate application is provided to the secondary "chip." Thus, the POS reader believes the card is a single-application card when, in fact, the card is a multiple application card. 

In doing so, Dynamics solves the POS software fragmentation issue that has crippled innovation in the EU for decades, thus finally enabling customer driven choice at the point-of-sale. A card-programmable magnetic stripe is also included, as 100% of EU readers read magnetic stripes and 15% of EU readers only read magnetic stripes"

"Savings service allowing account holders to set money aside for a rainy day or for specific future purchases with exceptional rewards. Saving is easily turned into a habit thanks to automated daily, weekly or monthly deposits. No new account needs to be opened: the savings account resides right inside an existing prepaid card account."

"A part of Experian, it monitors all facets of your identity, including personal privacy, financial information, your reputation and your safety. myID.com quickly alerts you to risks to your identity so you can take action and minimize the potential for damage. Unlike most identity theft software, myID.com helps you manage your entire identity, on social networks, on people page sites and offline through our financial monitoring system. 

myID.com helps consumers stay private and safe, and prevents identity theft by continuously scanning for personal information on public websites and databases. myID.com also provides real-time alerts if your private information becomes public, and investigates possible situations where your identity has been stolen. With myID.com, you can rest assured that your privacy, safety, finances and reputation are secure."

"Mootwin patented technology offers a "One Stop Shop" value-added solution to all customer centric mobility needs. Its unique technology maximizes the mobile user experience thanks to:

• Ability to execute even in the slowest broadband areas
• Real-time financial content delivery (with cutting-edge "push" technologies)
• Highly secured access 
• Easy integration to existing enterprise IT

The solution combines one tier of native application on mobile devices, with two tiers of transactional data access on the middleware platform (the Mootwin Foundation), easily integrated into Financial institutions' information system. The three-tiered Mootwin application architecture delivers a fast Time-to-Market, a quick ROI "beyond expectations" user experience, encouraging brand loyalty."

"Because of the wealth of data we import from users' brokerage accounts when they sign up for our portfolio service, we are in a unique position to offer specific and actionable advice. 

• The entire product is powered by sync - you don't have to enter data, we automatically analyze your historical behavior. 
• If you own a bad mutual fund or ETF, and there's a better one in the same category, we'll recommend a switch. 
• We analyze the fees your brokerages charge you -- across dozens of categories -- and simulate your behavior at other brokerages in our system to see how much money you could save money. 
• We'll automatically provide tax loss harvesting advice to help you optimize on taxes.
• If you have a financial advisor, we'll automatically detect that and compare his or her performance to all others in our system and recommend a switch if warranted.
• We'll analyze your behavior & style and recommend changes where warranted (such as too-frequent trading)."

"Bankers are by-and-large too busy, too risk-averse and too protective of their efforts to willingly, reliably give away their hard work online to seekers in a discussion forum. However, they will share their intellectual property when the risks are controlled and the right incentives are in place. 

We'll demonstrate how this virtual marketplace:

1) motivates people from every job function to share their best work

2) uses points as its currency to incentivize users

3) helps financial institutions prepare for exams 

4) protects members around legal and competitive concerns of sharing"

"The ability to on-board a merchant for Modo, signup some especially great new users for Modo, and distribute an innovative offer to those super fine users, all in the space of 7 minutes. Oh, and we're also executing a mobile payment using Modo at a local establishment.

Key takeaways are the frictionless adoption with no special infrastructure requirements, the ease of use for merchants, brands, and consumers, and finally how transaction data creates useful information for all parties. Modo closes the loop on the promotion, purchase, payment cycle.

When we are done you'll understand why we say: Pay with Modo. Get more Modo."

"BillGuard is people-powered antivirus for bills. BillGuard.com is a free online service that enables consumers to protect their credit cards and debit cards from hidden charges, billing errors, misleading subscriptions, scams and fraud. BillGuard will also unveil its new browser extension that brings the power of BillGuard into online bank statements."

"Yodlee's dynamic consumer banking experience is fast, flexible, and tailored to the unique needs of individuals, all in an anytime, anywhere online/mobile environment. 

We will be showing how financial providers can, from a single platform, enable truly differentiated consumer banking experiences that drive substantial value. We will be highlighting distinct consumer segments to demonstrate how different the experiences can be, even down to the payment vehicles. This empowers both banks and consumers while delivering exceptional functionality via a unique Yodlee FinApp architecture."

"CopyTrader is a groundbreaking way to trade by automatically copying every trade made by a selected guru trader or by a people-based portfolio of top performing traders directly into the account of the copier. CopyTrader is the enabling feature for every network member to become a guru investor who indirectly executes trades for all investors copying him or her. 

Copy.Me is a one-stop shop for everyone to set up his own retail investment shop and present/market his trading skills to the entire world. Investment gurus are compensated for their ability to attract investors that copy from them."

"It scans applications submitted online to over 500 financial institutions discovering patterns used by fraud rings only visible on an industry-wide scale, and flags applications matching known patterns before an account is opened at the bank. FortiFI is available as both a feature of Andera's hosted account origination solution and its Software Development Platform (SDK). 

The SDK gives developers instant "plug and play" access to the many services and software components (e.g., ID verification, application risk management, funding risk management, funds transfer, etc.) used by Andera's popular hosted online account opening solution, reducing the time and cost to bring innovative online services to market."

"Backbase is launching its Retail Bank of the Future representing the e-banking engagement experience of tomorrow. It embodies the newest User Experience (UX) patterns based on input gathered from customer research, industry thought leaders and UX specialists. 

The Backbase Retail Bank of the Future uses the latest interaction patterns and stretches the limits of today's front-end technologies across multiple devices and touch-points in order to create a centrally orchestrated Bank 2.0 end-user experience. With the underlying technology in place, including its award-winning Portal technology, Backbase is now focused on leading the way in customer engagement solutions."

"A first of its kind location-based iPhone application that enables consumers to walk into a retail location (i.e. Starbucks) and instantly redeem credit card loyalty points in real-time in the form of a mobile gift card that can be used immediately. With CashStar, consumers can burn their points instantly on their mobile device for the first time ever, providing the ultimate convenience and relevancy the digital age now affords."

"MyCyberTwin will demo its Artificial Intelligence solutions - called virtual agents - and give a detailed explanation about how current leading financial institutions are using the technology today and will use the technology in the future. It is a powerful demo to show an audience how a computer thinks and answers questions in real-time, helping customers get the answers they need while helping companies garner the intelligence of the customers visiting their websites."

"Kony Commercial Banking leverages Kony's Platform and our expertise in mobile banking. It allows the corporate treasurer and executives to track and approve transactions from any mobile device they choose to use including tablets. Each user is able to view the transaction amount, date, account involved, the approval status of other users and a memo. 

This solution is unique in offering secure, multi-user transactions accessible anytime, anywhere. Plus, from the development perspective the application is updated and deployed to any mobile device, mobile web or tablet from a single application definition."

"Today's traditional financial advisory system is broken. Brokerage firms operate under a "one size fits all" approach that marginalizes investment returns and diminishes the client's visibility and control. Personal Capital addresses the need for a holistic, convenient, affordable and highly customized investment service for today's investor. At Finovate, the company will demonstrate the full suite of services that will enable investors to view their complete financial picture and work with a financial advisor to create personalized investment solutions."

"KulaX is a cross-sell engine that enables financial institutions to leverage their online banking platform to generate more leads faster without interfering with core banking functions. Online banking customers are targeted with the "next best product" where they are invited, at logout, to engage in an automated one-on-one microinterview with their financial institution about their financial products' needs and preferences. Upon interview completion, customers are presented with special offers for the FI's products and services that have been tailored based on interview responses; requested offers are emailed to the customers. KulaX has generated 5 leads per 1000 online customers per week in field application."

"Balance uses highly automated financial tools and a nationwide network of professionals to manage your personal finances for you. At Finovate, our team will present a new $39.95 per month package focusing on reporting and filing. To go along with our core bill management capabilities, our new Essential package features account aggregation and expense tracking tools along with the ability to have your bookkeeper create custom spending reports. Also, look for our photo bill pay mobile app also with video chat."

"ENTERSECT's Interactive Transaction Authentication (ITA) module provides additional-factor, out of band, interactive authentication for any form of digital action taking place. This module employs all of the security features of the eCertificate system and allows for unique user identification through bilateral, signed certificates. This product completely replaces the need for any other two-factor authentication product and is significantly more secure and fundamentally more user friendly. Responses are relayed back to the server over an electronic and encrypted communication channel - not via a manual OTP re-entry (which can be intercepted) as is the case with other legacy solutions."

"Equifax Complete key features can be accessed via the Equifax Mobile App & include:

• Interactive Score Estimator & score monitoring 
• Alerts to Key Changes in your credit files 
• $1M ID Theft Insurance
• Automatic Fraud Alerts
• Lock/Unlock your Equifax Credit Report
• WebDetect - online monitoring of your personal information to see if it is found on suspected Internet trading sites"

"It is both a consumer line of credit and a savings account that integrate to form a single, evolving source of "rainy day" liquidity. The product conditions borrowing upon the accumulation of savings as consumers must agree to have $20 automatically deposited into savings each month. Advances are made from accumulated savings, at no cost, with credit made available early on to cover any savings shortfalls. When advances are repaid, payments are made to the line of credit AND the savings account - as though the consumer was borrowing and repaying herself. As the savings balance grows with each $20 monthly deposit, the mix of funds available for financial emergencies steadily shifts more to savings until consumers ultimately reach the point of using (and replenishing) their own savings to meet their short-term cash needs."

"It not only authenticates your identity online, but also certifies that you are financially responsible and trustworthy because of your good credit. After signing up for Credit Sesame, you are able to get and easily display your Certified badge on your social media profiles, email signatures, resume, blog/personal website, and other web-based locations. 

Obtain different levels of badges based on your credit rating and credit management and customize your badge verification page. Credit Sesame's Certified Badge helps you stand out and gives you an edge that can make a real difference in today's complex, competitive world."

"Kabbage has launched the SocialKlimbing feature of its system, which enables online merchants to associate their social activities with their Kabbage account. By doing so, Kabbage incorporates information from these social media sites to underwrite risk and enable online merchants to receive a benefit by actively engaging with audiences interested in their products and services."

"Today, when responding to customer posts on Facebook©, Financial Institutions (FIs) do not have visibility into the relationship that they have with that customer. With SegmintSocial, the FI employee monitoring Facebook now has a complete list of KLIs and an understanding of the product mix, demographics and lifestyle spending patterns of customers when they post on the FI's Facebook page. SegmintSocial also provides the FI customer a Facebook page containing customized FI and reward offers. These two unique online experiences enable the FI to deliver a more engaging and relevant social experience for their customers."

"Betterment is committed to helping consumers make the right investing decisions to meet their financial goals. Our new goal based tool enables users to make smart, goal-based investment decisions. In keeping with Betterment's easy and intuitive user experience, we've created a simple three step process that empowers users to invest towards specific goals.

Step 1 - A user identifies their goal (i.e. retirement, buy a house, vacation, etc.), when they want to reach this goal, and how much they will contribute towards this goal.

Step 2 - User selects short term risk tolerance for this particular goal, based on Betterment's projections of likely return, potential upside and downside.

Step 3 - User selects long term risk tolerance for this particular goal, based on Betterment's projections.

After completing these three steps, the user receives a recommended portfolio allocation, and, can set their portfolio for this goal with just one click. Reaching future goals through investing is now faster and simpler than ever before!"

"With Google Advisor, you enter information about what you're looking for in a mortgage, credit card, CD, or checking and savings account. We show you a list of the offers that match your criteria, along with rates and contact information. Google Advisor is designed especially to help you make these difficult financial decisions easily, with:

• Speed: As you change your criteria, the results update instantly. You'll still have a list of all your options in one place, so you can quickly compare different offers.
• Trust: By setting your own search criteria, you're able to see only those offers and rates that apply to you, which means you can compare applicable offers without even contacting a provider first.
• Control: You only need to provide the minimum amount of information we need to show you offers that are right for you. You have full control over what you want to share, and which providers you choose to talk to--and you don't have to submit any personal information until you want to."

"Demyst.Data is a web based modeling toolkit to help lenders grow thin file portfolios without increasing their risk levels. With minimal inputs, the tool provides for better segmentation on customers typically rejected due to a lack of data through:

• Convenient access to rich consumer level data including telecommunications, geo-location, demographics, and social networks.
• Proprietary statistical techniques that outperform logistic regression when working with emerging messy data sources.
• Painless technology to configure and integrate bespoke API's which bridge the gap between your current processes and optimized product offers."

"Borrowers create a profile under a nickname, and post a project to obtain financing from one of the many professional Lenders registered in Weemba. Besides the reason for and amount of a loan, profiles may include everything from the Borrower's income, education level and veteran status (Individuals) to their number of employees, annual sales or revenues and articles of incorporation (Businesses). 

Lenders will be able to search projects created by those Borrowers and narrow them down by credit score, amount needed, location, type of loan and more. When a Lender finds an interesting project, the Lender then may ask the Borrower for access to their real identity, as well as private details about the project. Professional Lenders will be able to find the exact Borrowers they want, not information that is old, recycled, uncertain or vague. If the Borrower grants access to the Lender, all further contact and any negotiations take place outside Weemba."

"(HelloWallet) sold over 200,000 memberships to leading employers since launching their full application in May." 

"(KulaX) presents three questions, targeted to a specific user and designed around a specific product. The questions are presented only when the user logs out.

The technology can use either transaction data gathered by the bank or its own analysis engine to target its questions. KulaX tracks responses and the actual use of the offers it presents."

The Credit Union has also partnered with Yodlee:

"In addition to cross-selling bank products, Micronotes can present merchant-funded offers through another product it has developed with the vendor Yodlee Inc. called Yodlee Offers."

FinovateFall is less than a week away and we're getting close to selling out like last year (despite expanding to a larger venue). There are less than 100 tickets left and they're selling fast so please register asap to lock in your spot if you want to attend.

Over 60 fintech companies will be demonstrating their latest innovations to a packed house at Pier 92 in Manhattan next Tuesday and Wednesday. The audience is the largest and most influential that we've ever seen at a Finovate event with over 900 people already registered. A small sample of the organizations attending includes:

We hope you'll join this audience to watch the future of fintech unfold live next week. It's going to be a great show!

FinovateFall 2011 is sponsored by: The Bancorp, Tier One Partners, TxVia, and the law firm of CB&S.

FinovateFall 2011 is partners with: BankInnovation.net, BankerStuff, Celent, CardWeb, deutsche-startups.de, Filene Research Institute, Finance on Windows, PYMNTS.com, Mercator Advisory Group, MyBankTracker.com & Mobile-Financial.com.

"Sound Community Bank clients can now receive paperless statements and other documents from their bank directly in their doxo digital file cabinet. With doxo, Sound Community Bank significantly reduces the costs associated with printing and mailing documents, while offering their clients a convenient free tool for managing their account without paper."

"Their new iPhone app compliments basic web access to Balance and includes a dashboard of activity, ability to contact your bookkeeper, alerts, payment history and photo bill pay."

"The bill will be sent to the users Balance account for processing and the assigned Personal Bookkeeper will ensure the bill is properly reviewed and processed. Balance software has an integrated image processing component that examines each bill image and automatically files and reviews the bills before payment."