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 Bill.com integrates with NetSuite to deliver seamless, cloud-based financial management.
- Inc.well interviews Candace Klein, CEO of SoMoLend, about crowdfunding.
- Virtual Piggy partners with World Industries.
- American Banker considers if Dwolla is a threat or opportunity for banks.
- Soshable covers Klarna, CoverHound, Giftly, ZipZap, BillGuard, Dwolla and Virtual Piggy.
- The Next Web takes a closer look at the tech that powers LearnVest.
- BCSG partners with Sage to offer MyBusinessWorks customers the bookkeeping application Sage One Accounts.
- ValidSoft announces partnership with Spindle to provide advanced payments security solutions to US-based customers.
- Fast Company names Laura Mather, Founder and Chief Visionary of Silver Tail Systems, as one of the Most Creative People in Business.
This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.
Here's a look at press coverage from FinovateSpring 2012 in San Francisco last week. For comprehensive coverage, be sure to check out Erin McCune's live blog on PaymentsViews, which covers all 63 presenting companies:  2 Minute Finance
2MF @ Finovate Spring 2012 Conference by Bobby Lee
Bank Innovation 5 Finovate Demo-ers' News Catching Our Eye by Mary Wisniewski
4 More Finovate Products We Like by Mary Wisniewski
Bank Technology News Best of Finovate Spring Day 1 by Penny Crosman
Best of Finovate Spring Day 2 by Penny Crosman
Dwolla Pitches Fast Fund Transfers, but Bank Participation is Vital by Sean Sposito
Edo to Harness Payment Data to Spur Consumer Spending by Victoria Finkle
BankNXT Live at FinovateSpring 2012- day 1 by Jelmer de Jong
Live at FinovateSpring 2012- day 2 by Jelmer de Jong
BetaKit CoverHound Debuts Comparison Tool for Auto Insurance by Cheronne Thurab
Business Insider Finally, a Mobile App That Helps You Save Money: Meet Urge by Willy Staley
C'est pas mon idée! FinovateSpring 2012: quoi de neuf? by Patrice Bernard
Currency Marketing Blog Four Conference in Four Days by Tim McAlpine
Credit Union Times MoneyDesktop Named Best of Show at FinovateSpring Conference by Natasha Chilingerian
Daily Disruption Flint Mobile Announces Beta Launch at Finovate and Closes $3 Million Round of Financing by Tim Rygh
The Daily Guardian (BillGuard's blog) Financial Community Awards BillGuard Best Of Show at Finovate by Maryanne
Des Moines Register Dwolla offers software for free by Adam Belz
Des Moines Register Blog Dwolla, Social Money earn praise at national banking conference by Marco Santana
Excelsior Kuspit, el primer Finovate mexicano by Alicia Salgado
FamZoo Blog Finovate Winners by Bill Dwight
Finextra Flint taps phone cameras for card payments
SoMoLend closes $1.17 million seed round
Forrester Blog Finovate Spring 2012: Digital Financial Services Innovation by Tiffani Montez
FP Pad [Video Spotlight] inStream Solutions CEO Alex Murguia at FinovateSpring 2012 by Bill Winterberg
[Video Spotlight] iQuantifi CEO Tom White at FinovateSpring 2012 by Bill Winterberg
[Video Spotlight] Sarah Carter of Actiance at FinovateSpring 2012 by Bill Winterberg
Iconowatch Accelerating Innovation at Finovate 2012 by Hans Eisenbeis
Investment News Personal Capital launches iPhone app by Davis Janowski
Lazy Man and Money What's Hot and What's Not from Finovate 2012
Mercury News Money Goes Mobile
Montreal Gazette Montreal's Wall Street Survivor teaches about investing by Jason Magder
MyBankTracker Can FinTech Stop You from 'Showrooming?' by Willy Staley
On Deck Capital Blog Photo Journal: Our Finovate Demo
PaymentsNews Highlights from Finovate Spring 2012 San Francisco
PaymentsViews Live Blogging Finovate Spring 2012 San Francisco by Erin McCune
The Paypers ZipZap rolls out CashCade payment service
PaySimple Blog PaySimple at Finovate by Sarah Jordan
SecurityPark.net BehavioSec voted 'Best of Show' for biometric solution by audience at Finovate Spring, San Francisco
Silicon Prairie News With upgraded FiSync, Dwolla cuts 3-5 day wait to real-time by Michael Stacy
Silver Tail Systems Blog Finovate Spring Demonstrates a Growing Richness in Online Interactions by Laura Mather
Social Lending Network Roundup of Social Lending News - May 12, 2012 by Peter Renton
TechCrunch Capital One Snags Mobile Savings Startup BankOns, Team Moving To Capital One Labs by Sarah Perez
Flint: A New Mobile Payment App For Small Businesses Picks Up $3M From Storm, True Ventures by Ingrid Lunden
How Personal Capital Wants To Bring Money Management Into The Internet Age [TCTV] by Colleen Taylor
Nearing The 1M User Mark, Expensify Adds 'Trips' Feature To Mobile Apps by Colleen Taylor
The Anti-Groupon? Edo Launches Real-Time Local Offers Platform, Tied To Your Bank Card For Instant Credits by Sarah Perez
World News (wn.com) Instream Solutions Ceo Alex Murguia At Finovatespring 2012
- Financial services and Big-Data executive Mary Anne Keegan joins rapidly growing BillGuard as CMO.
- CBS News recommends BillShrink for recent college grads.
- Cachet Financial Solutions expanding, relocates to new facility.
- Cartera Commerce links Offers to US Airways Dividend Miles members.
- The Miami Herald reports Kony Solutions to Power Aetna's Mobile Application Platform.
- Ping Identity named a winner of the Midsize Enterprise Summit East 2012 XCellence Awards.
- Plastyc launches Kindle Fire app for UPside Visa.
- TradeKing ranked top in customer service for 3 consecutive year in SmartMoney Magazine's annual broker survey.
- YuuPay and Virtual Piggy partner to provide secure online and mobile payments for under-18 users.
- Xconomy reports Yodlee secures $8,309,780 new financing.
- Farmington Bank selects Q2ebanking's online banking platform.
This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.
 Here's @Finovate's live Twitter stream from FinovateSpring last week.
Entries appear in chronological order:
Day 1, Session 1
- Dwolla launching newest iteration of FiSync, a payment system that allows banks to originate real-time transactions. Link
- WattzOn launching its Personal Energy Management Platform, a service to rack energy usage and expense. Link
- WattzOn announcing WattzOn Connect which can be integrated into online banking and PFMs.
 Taulia unveils Early Payment Network; tools for business, showing online invoicing with dynamic discounting. Link
- BancBox is an infrastructure platform helping companies build web/mobile payment services. Link
- BancBox showing how it built TweedlePay, a live payment service built for demo purposes in a few days.
- Affinity Solutions launching Coupon-on-a-Card today; showing Sovereign implementation. Link
- Affinity Solutions demoing user receiving discount real-time in the authorization stream via First Data integration at POS.
- Social Money (aka SmartyPig) launching GoalSaver, social money system. Announced ICICI Bank program in India. Link
- Social Money demoing the savings goal setup process for "new baby," includes integrations with Facebook/Twitter.
- Social Money showing how goal redemption process is fee opportunity for bank by putting on prepaid gift card.
- Expensify is launching trip tracking with full itinerary management; making it a turnkey travel mgmt app. Link
- Expensify new trip tracking is automatically available to all users, no upgrade needed.
- BillGuard anti-virus for credit cards has now saved users $640,000 in fraud charges; has 2 top-issuers in tests. Link
- BillGuard launching BillGuardFI today; a card charge dispute management system banks can use to reduce dispute management costs.
- BillGuard demoing social layer to identify charges, "the wikipedia of transactions" an open database of trans source info.
- BillGuard showing how card transactions can be resolved without involving a bank in the process.
- Actiance launching Socialite Engage to help financial advisors share relevant, preapproved & compliant content. Link
- Actiance demoing library dashboard to select content, put into their own words, & schedule; Raymond James is using the system.
Day 1, Session 2
- Personal Capital launching full "money remote control" via mobile app with full acct aggregation. Link
- Personal Capital app has cool UI with iPod like dials; full-screen color; demoing interbank transfer between any FI accts.
- Personal Capital demoing account enrollment using mobile image capture; closing with live $100 transfer.
- BankersLab is launching CreditLab, simulation gaming system to train retail bank risk managers. Link
- BankersLab credit training game focuses on risk management skills, pitting teams against each other to make portfolio choices.
- edo Interactive introduces GeoCommerce, the ability for a purchase at one merchant to trigger offer at 2nd nearby. Link
- edo Interactive demoing real-time delivery of 2nd offer in real-time over mobile. Focused not on "check-INs" but on "check-OUTs"
- IP Commerce launching Multi-Party Payments Commerce Playlist for funds exchange based on exchanges rules. Link
- IP Commerce demoing the creation of a campaign for a "Derby party" relying on the set of rules governing the exchanges.
- iQuantifi launching automated & personalized financial advice platform with immediate advice implementation. Link
- iQuantifi demoing financial planning wizards for goal creation and the immediate delivery of advice; like "financial GPS".
- Silver Tail Systems launching Parameter Injection threat score to determine when end user's machine is infected. Link
- PaySimple is launching platform for banks to offer cloud-based receivables automation to small biz clients. Link
- PaySimple has Chase and Western Union distributing its small-biz solution.
- Linkable Networks debuting "SKU level" offers, users served offers "in the wild" while shopping. Link
- Linkable Networks demoing offer "coupons" being delivered via mobile; showing sharing capability via Facebook.
- Mitek Systems launching mobile deposit tech for underbanked to load funds directly on prepaid card with camera. Link
- MitekSystems demoing capture of drivers license via camera and extraction of data (works in all 50 states).
- Mitek Systems also demoing Spanish version, in Spanish.
Day 1, Session 3
- Dynamics launching payment card with choice of pmt "experience" by selecting buttons that rewrite mag strip. Link
- Dynamics demoing ePlate payment experience management; showing gamified payments; revenue sharing 25 BP to developers.
- Dynamics showing payments API, live today.
- Bill.com launching CashView for biz customers, dashboard control over cash flow, payables & receivables. Link
- Bill.com demoing collaboration features; showing mobile app that recreates desktop dashboard.
- Kabbage has loaned $20 mil to small merchants; launching K-Leaf for Kabbage acct integration with others. Link
- Kabbage showing integration with Bill.com; increases data going to Kabbage for better underwriting.
- Kabbage showing email integration, users can email documents into Kabbage for automatic import into user's acct.
- Cachet Financial Solutions launching Select Business tablet solution for managing check deposits. Link
- Cachet demoing mobile check deposit, then integration into backend tablet-based sm biz management app.
- TASCET launching Financial ICONN to ID customers without SSNs; simplify compliance & reduce fraud. Link
- TASCET is showing ICONN activation, grabs fingerprints & takes facial scan, then match with database to deliver financial security number.
- Nomis Solutions showing "better living through math" ie its Pricing and Profitability Management platform. Link
- Nomis Solutions showing "price optimizer" to help FI's with pricing; marries data streams, predictive analytics & user behavior.
- Experian launching Business IQ Express, service for sm biz to manage customers to get paid faster. Link
- Experian showing dashboard to help a biz evaluate customers' credit, incl owner's credit; includes alerts to changes, collections.
- Experian makes good point, customer credit management can have MORE impact on small biz than larger biz better able to absorb losses.
Day 1, Session 4
- SaveUp launching a gamification program to reward financial behavior. Link <full disclosure, i won $5>
- SaveUp has seen signup rate of 44% of users coming from FIs; high engagement from giveaways = 30% visit daily, 60% weekly.
- SaveUp's largest FI is Bank of the West, also being used by a number of CUs.
- TIO Networks has 60,000 walk-up locations for billpay; launching its first mobile app for billpay. Link
- TIO Networks processes bill payments for Pageonce; showing how it can get bill paid and account credited via mobile on same day.
- TIO Networks also launching TIO mobile wallet.
- ProfitStars launching new system to simplify internal budgeting process; aim to kill the static spreadsheet. Link
- ProfitStars (from Jack Henry) demoing budget collaboration process.
- MShift launching mobile banking 2.0, connecting FIs to local merchants with direct transaction. Link
- MShft is demoing mobile gift card via Air Force FCU account; has iPhone contacts integration; includes running balance of card.
- eDeposit is "showing us the money" with launch of its new web/mobile payment app. Link
- eDeposit showing "buyer authentication" so payment trans are 100% guaranteed; dashboard displays all transactions in process.
- eDeopsit showing iPad app for real-time payment system.
- Concur is launching Smart Expense, expense mgr that integrates with TripIt, a travel app w/ 5 million users. Link
- Concur "your expense report prepares itself;" showing Tripit mobile with "expense trip" button at bottom of the app.
- Concur used by 18 mil people w/ 0.5 bill items last yr; demoing import into desktop dashboard including photos of receipts.
- NICE Systems launching today it's Mobile Reach solution for mobile-based self-service customer service. Link
- NICE Systems demoing service options offered via mobile app: user can call in and agent can solve & send details to user's app.
- That's it for the day 1 demos, adjourn to networking hall. Thanks everyone for your attention and tweets.
Day 2, Session 1
- Wipit starts off day 2 of FinovateSpring; launching mobile payments for "cash preferred" users. Link
- Wipit demoing cash taken over the counter, loaded into acct with immediate availability for use at Wipit-enabled site.
- Wipit working with Ria for cash-based mobile bill pay; replaces walk-up billpay for cash preferred; is live today.
- BehavioSec launching "behavioral biometrics" adding extra security to remote banking via user behavior. Link
- BehavioSec demoing on iPad how keyboarding speed/style can positively ID user; can even ID a specific fraudster's "signature".
- BehavioSec ID app is available in app store to test yourself.
- Keynote DeviceAnywhere launching HTML5 mobile web testing app for developers. Link
- Keynote DeviceAnywhere demoing a live test of mobile app which is in the right panel (hosted), with diagnostics on left.
- Flint Mobile launching new company today to accept cards on the go; also announced series A funding. Link
- Flint Mobile showing capture of card details via phone cam, then enter card security number, email address for receipt & then user signs on app.
- Flint Mobile has social integrations; also has merchant friendly "Durbin pricing" 1.95% + $0.20 for debit; 2.95% + $0.20 credit
- Cardlytics launching new merchant tools to show where revenues are being generated via mapping. Link
- Cardlytics demoing mobile capabilities as integrated into Associated Credit Union mobile banking app.
- Transparency Labs launching tool to provide more transparency around 401k and retirement acct. Link
- MoneyDesktop launching Deals function, integrated into its PFM app; announcing that Visa is using them. Link
- MoneyDesktop demoing deals implementation in its mobile phone app.
- Bazaarvoice launching tools for FIs to better leverage word-of-mouth and its customers social connections. Link
- Bazaarvoice demoing a user product review; then how it appears on FI dashboard used to see consumer sentiment & segment reviews.
- Bazaarvoice showing tool for FI to respond to comments which is posted online AND emailed to consumer who made the comment.
- Kuspit (from Mexico) is launching new trading solution; showing consumer dashboard and data visualization. Link
- Kuspit demoing community features to follow other investors; has learning tools where each step has to be passed before trade.
Day 2, Session 2
- Giftly "reinventing the gift card," launching mobile service to make them personal, social, fun, interactive. Link
- Giftly demoing mobile app w/ friend list, gifting options, event reminders (eg birthday); shows previous history incl photos.
- Giftly has redemption innovation; recipient uses gift simply by linking the value to their existing credit card & using anywhere.
- Portfolio Football launches football-inspired gamification of personal finance & investing. Link
- Portfolio Football demoing the finance/football game, with scoreboard, teams, and so on; mimics fantasy football interfaces.
- Portfolio Football demoing how to add an asset to portfolio; the new asset (eg ETF) is a new team member.
- Wall Street Survivor launching social investing platform, to learn investing through games, missions, simulator. Link
- Wall Street Survivor demoing "portfolio basics" quiz, includes email of the lesson; create branded game w partners, eg Motley Fool.
- Virtual Piggy launching payment service to enable kids to buy real or virtual goods online. Link
- Virtual Piggy demoing "parental controls" for online shopping w/ dollar limits, merchant limits, savings hurdles, charity allocations.
- Virtual Piggy demoing purchase from the K"Nex website in COPPA compliant manner; platform includes social wish list feature.
- CSI globalVCard launching virtual MasterCard app for businesses to create single-use acct number. Link
- CSI globalVcard shows how biz creates num via iPad app, sends to mobile phone for immediate use by recipient; has batch create.
- CoverHound debuting insurance "storefront" an FI-branded turnkey platform to sell insurance via bank site. Link
- Coverhound demoing process to select car insurance; includes Facebook profile integration to prefill insurance application form.
- Coverhound gathers "real" prices from carrier partners & presents accurate price comparisons for better transparency.
- Swipely launching new payment marketing platform; now adding "card processing" to offers & analytics. Link
- Swipely shows typical "printout style" merchant processing statement (yep..ours looks like that), compares to Swipely dashboard.
- Swipely aims to help small merchants put successful mkt campaigns on "auto pilot"; & "turn cash register into marketing machine".
- On Deck Capital launching new "Connect" service to integrate its lending platform with partners such as AEO. Link
- On Deck Capital has AEO exec on stage to explain partnership; demoing wizard that matches biz applicant with local lender.
- On Deck Capital, had originated $250 mil on its own, but now looking to power sm biz lending through FIs.
- DeviceFidelity launch moneto mobile wallet; showing "regular phone" payment via microSD card, swap to iphone. Link
- DeviceFidelity showing mobile app with locater for PayPass enabled merchants; has "vibrate on payment" option.
- DeviceFidelity offering full white-label platform for FIs and issuers.
Day 2, Session 3
- ZipZap launching CashCade, a cash transaction solutions for online/mobile merchants worldwide. Link
- ZipZap demoing case where credit card is declined, then its cash option is offered; user then pays cash at local store such as CVS.
- ZipZap showing how it can be shown at checkout as a payment option like PayPal, MC/Visa.
- Applause Learning launching Coindexter Club, multiplayer-based virtual world of Econopolis, targeted to kids. Link
- Applause Learning game includes virtual representation of real-world chores such as washing dishes, or running lemonade stand.
- Applause Learning game includes virtual bank branches, ATMs; includes stock exchange to learn investing.
- Applause Learning is licensing to banks/CUs for private-brand; showing Georgia's Own Credit Union version.
- inStream Solutions launching financial planning software & marketplace for financial products. Link
- inStream Solutions showing advisor dashboard, includes cool "mind map," showing how it's use to suggest and then sell insurance.
- Clover Network launching the "Clover OS," and "open POS" system Link
- Clover showing how a FI or developer could add a feature (send a bill) to a client's POS.
- Serverside Group launching system so FI customers can design a card using an image from their Facebook photos. Link
- Serverside Group working with BBVA Compass Bank, which has seen good lift; users can share designs with friends on Facebook.
- Serverside system can be used to have a "card design competition" via Facebook.
- Pindrop Security launching phone verification, Phone Fraud Call Analyzer; ID callers even w/ spoofed CallerID. Link
- Pindrop Security demoing caller risk score and dashboard to monitor likely fraud with "anomaly detection engine".
Day 2, Session 4
- FutureAdvisor launching "free web service to replace your financial advisor;" after 1 month tracking $1 Bil. Link
- FutureAdvisor shows personalized recommendations to improve entire portfolio including retirement & 401(k) plans.
- FutureAdvisor launching premium service today, which MANAGES the portfolio, automatically making asset adjustments.
- SoMoLend, "social mobile local lending" launching P2P lending platform for small biz. Link
- Key Bank is lending on SoMoLend platform, showing how lenders look at potential borrowers, includes map view.
- SoMoLend launched in Ohio in November, rolling out nationwide today and looking for partners.
- Klarna "fastest growing payment co. you've never heard of;" trade platform to take risk out of ecommerce transfers. Link
- Klarna demoing trade experience; takes the fraud/default risk and has experienced under 1% in losses.
- Thomson Reuters launching App Store solution for buying market data, records & other info. Link
- Thompson Reuters showing creation of SmartStops widget that can be placed into FI website.
- Access Development launching "power deals, a micro-redemption product" for daily deals offered via FIs. Link
- Access Development showing online deal search & redemption process.
- DCisions investment info service aggregates 1.5 mil portfolios (in UK) & tracks performance like DJIA. Link
- DCisions service operates under InvestorBee brand, but can be private labeled for FIs; allows comparison to similar investors.
- BalanceStreet launching "Priceline for debt settlement" to make collection/settlement more user friendly. Link
- BalanceStreet showing debt settlement process; user sees options & debtor can make offers to creditors.
 Today, BillGuard showed off its Wikipedia of transactions:
"BillGuard FI brings BillGuard's award winning 24/7 bill monitoring, in-statement P2P knowledge sharing and direct-to-merchant resolution to online banking. Card issuers seamlessly integrate BillGuard FI to generate new value-add service revenue and lower inquiry and dispute processing costs."
Product Launched: May 2011
HQ Location: New York, NY Company Founded: April 2010 Metrics: $13 million raised, 20 employees
Introducing Yaron Samid (Founder and CEO) and Raphael Ouzan (Founder and CTO)
- DoughMain launches savings tool for kids.
- Actiance expands platform with vantage for Microsoft SharePoint. Come see Actiance at FinovateSpring next week.
- The Des Moines Register reports Social Money is set to more than double its workforce, hiring 35. Check out Social Money's live demo at FinovateSpring.
- Spend Matters covers Taulia (part 2). Watch Taulia demo at FinovateSpring.
- Your Finances Simplified blog lists the top 11 reasons you should use Yodlee MoneyCenter.
- Gamification of Work blog explains how Bobber Interactive makes personal finance engaging.
- Credit Union Times reports Q2ebanking Integrates Trusteer Malware Protection.
This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.
- Q2ebanking partners with cybercrime prevention company, Trusteer.
- Kasasa's Tunes program pulls in Gen-Y checking customers.
- DR Power Equipment, partners with Bazaarvoice to manage consumer ratings and reviews. Come see Bazaarvoice at FinovateSpring.
- Check Point Software announces Check Point ThreatCloud, a collaborative network to fight cybercrime.
- Plastyc announces you can now add minutes to friends' & family members' phones abroad in 85 countries.
- Holtmeyer & Monson partners with ProfitStars.
- Bank Technology News reports Fiserv names Ally financial executive as CIO.
- ABC 7 San Fran covers BillGuard. Come see its live demo at Finovate Spring in San Fran May 8 & 9.
- GigaOM looks at how Braintree powers payments for hot startups.
- OpenCuro's payment module now available for Zen Cart.
- Balance Financial launches Portfolio Reporting, adds 2 board members.
This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.
 More than 60 leading fintech innovators, both startups and established companies, are gearing up to present at the annual FinovateSpring conference in San Francisco May 8 and 9. Each company provided a sneak peek of what they'll demo on stage next month. Below is the first installment of these teasers. We'll have more next week. Don't miss your chance to see the live demo from each company and meet the execs responsible. Get your FinovateSpring ticket here. ____________________________________________________________________
Balance Street  The premier direct marketplace between consumers and creditors for the purpose of debt settlement, Balance Street, provides consumers the opportunity to relieve their debt burden without fees. Consumers use its web-based automated system to negotiate with creditors directly, avoiding debt settlement companies who charge exorbitant fees (up to 20% of total debt owed). Eliminating this 20% market inefficiency makes for a better financial outcome for consumers and creditors. With over $780 billion in credit card debt in the U.S., the Balance Street technology will revolutionize the way debt is settled. Innovation type: Cards, marketing, PFM
Bazaarvoice  See how leading brands are harnessing the power of online word-of-mouth to boost customer referrals, sales, retention, advocacy, and company innovation while building the world's most powerful social data asset. Innovation type: Communications, marketing, sales and customer service
 BehavioSec No one wants a complicated process for logging in to online or mobile banking. European banks have been forced to go down this route with hardware tokens and smart cards. So now when U.S. banks will be rolling out new multi-layered security on the front-end following FFIEC, will we see the same thing here? With BehavioSec's solution there is a better choice. They add multilayered security through the use of behavioral biometrics. So when the user connects via mobile or online, the technology helps verify that they are who they say they are. Learn more at FinovateSpring 2012. Innovation type: Identity, mobile, security
 BillGuard BillGuard identifies deceptive, erroneous and unauthorized charges on consumer payment cards using advanced crowdsourcing and big-data mining techniques that harness the collective knowledge of millions of consumers reporting billing complaints online and to their banks. BillGuard's Advanced Card Protection Service for Banks is a seamlessly integrated, cloud-based solution that enables issuers to generate new value-add service revenue, and lower inquiry/dispute processing costs, by providing their customers daily bill monitoring and notification, enriched transition details and direct-to-merchant resolution.
Innovation type: Cards, communications, online UI
 CoverHound is changing the way people shop for insurance online. Launching at FinovateSpring, CoverHound's new rate comparison shopping service allows consumers for the first time to compare multiple, instant, accurate rates from top carriers. CoverHound will also be demonstrating an exciting array of products specifically designed to help banks and credit unions generate significant non-interest income while providing a valuable service to their members.
Innovation type: Insurance
 Never before has it been so easy for companies to provide business and retail customers with a way to validate creditworthiness through the use of online deposits. eDeposit provides patented funds visibility and real time settlement to markets across the U.S. in an innovative, new form of payment.
At FinovateSpring, eDeposit announces a new innovation that makes conducting B2B and B2C e-business faster, cheaper and safer.
Innovation type: Payments, security, small business
 From "check-in to check-out", intersecting the worlds of Payments and Advertising, edo takes the next step forward in its vision to transform shopping and saving.
This next wave connects mobile and multi-channel retail . . . imagine a world where purchase and location meet and the new standard for mobile advertising moves from "check-in" to "check-out."
Innovation type: Marketing, mobile, rewards
 Expensify <3's Finovate -- they view it as the premier stage on which to make their biggest announcement of the year. Three years ago, it launched an open beta on the Finovate stage. Two years ago, it unveiled a major realtime analytics feature. One year ago it launched a revolutionary SmartScan service. But this year will trump all that. A whole new approach to business travel. Prepare yourself!
Innovation type: Back office, mobile, small business
 Most investors have assets spread across financial institutions and accounts, including limited-option accounts such as their employer's 401(k) plan.
Managing this is a chore - including figuring out which funds, in which amounts, and rebalancing.
Well, it was a chore, before FutureAdvisor.
Innovation type: Investing and asset management, online, PFM
 Giftly is inventing the future of the gift card. Using its new iPhone app, users can send anyone a Giftly for any place they choose. The recipient redeems it on their smartphone when they go. It's fast, fun, and secure.
Giftly's app and web products have been designed to be social, simple, and powerful. Thanks to Facebook, Foursquare, and smart iOS integration, you'll always know which friends are celebrating birthdays, are checking in to cool new places, or are otherwise in need of a quick gift.
 Is it possible to separate the fun of buying from the nuisance of paying? Klarna thinks so. The idea behind Klarna's e-commerce services is the concept of after-delivery payment, letting buyers receive ordered goods before any payment is due. Instead of giving financial information, buyers shop with Klarna just by giving their name and select information (Klarna calculates the risk).
Innovation type: Payments
 Linkable Networks will be debuting a first-to-market capability that significantly broadens the value proposition of card-linked offers to issuing banks, merchants, manufacturers, and cardholding consumers. In addition, Linkable Networks will demonstrate new features recently added to its product platform and user interface.
Innovation type: Cards, mobile, rewards
 MShift believes that financial institutions need to enhance existing mobile banking solutions into mobile wallet and payment solutions.
At Finovate, MShift will demonstrate how mobile banking can influence how a consumer spends money in various retail scenarios.
Innovation type: Banking, payments, small business
 Your customers go mobile with smartphones and tablets. When they cannot fulfill their needs in mobile self-service, do you jump in at the right time to help them complete their business? Do you want to maximize the opportunity for smart customer experience and increased business via smart mobile devices (while reducing costs)? NICE Mobile Reach can do that for you. Don't miss its demo at FinovateSpring.
Innovation type: Mobile, sales
 Personal Capital is wealth management for the Internet Age. The company's online platform combines digital technology with highly personalized service to provide a holistic view of your unique financial picture. The free online dashboard presents all of your financial data in one place, including an assessment of your allocation, investment risk and fees.
These days, the financial lives of Americans are becoming more and more complex. At FinovateSpring, Personal Capital will unveil core new features that enable you to access your financial data in real time, on-the-go. You'll be able to view and do, anywhere, anytime.
Innovation type: Investing, mobile, PFM
 Pindrop Security provides enterprise solutions that help prevent phone-based fraud. Pindrop's acoustical fingerprinting technology detects fraudulent calls and authenticates legitimate callers, helping customers eliminate financial losses and reduce operational costs. Pindrop's breakthrough technology is the first of its kind to fingerprint individual phone calls, providing verification of caller provenance.
Recently named one of the 10 Most Innovative Companies at the 2012 RSA conference, Pindrop's solutions help companies feel more confident in the security of phone-based financial transactions.
Innovation type: Identity, security
 Easily administer and coordinate your annual budget with Budget Manager from ProfitStars. ProfitStars takes the headaches, and the spreadsheets, out of the budgeting process and optimize the efficiency and effectiveness of budgeting and planning.
The company will show you how this newly redesigned browser-based version enables users to construct and manage a more efficient budgeting process, including how to tackle more difficult items like salaries and fixed assets.
Innovation type: Banking
 Discover a new Facebook app for banks that will not only make you relevant and engage Facebook users, but will also get your customers recommending and endorsing your card products. It drives great loyalty from existing customers and also helps to devise new customer acquisition --all through Facebook.
Serverside does this by letting people design their own credit or debit card using a picture from their Facebook gallery, then post it to their Facebook wall. Their friends then click on the card image to design their own card and help your bank to go viral!
Innovation type: cards
 Social Money can provide any bank in the world its own branded version of our revolutionary and award-winning SmartyPig technology. A new bank can be up and running on our system within 90 days in any language and currency, for a fraction of the cost of internal development efforts.
Innovation type: Banking products, PFM
 The dawn of compliance solutions that work.
Meet Molly. 115 different people use Molly's SSN. Financial institutions have no idea who these people really are.
This is possible because FIs and so-called identity protection companies can only verify identity. Verification is not enough. Full identification is needed to fight fraud and provide FIs the means to meet compliance requirements. Only Financial ICONN from TASCET can identify financial customers.
Once Molly activates her ICONN, TASCET proactively secures her identity and FIs know exactly who she is.
Innovation type: Identity, security
 Taulia takes the waste out of the supply chains of Fortune 500 Enterprises while simultaneously solving the cash-flow needs of their suppliers. The large enterprise buyers get discounts by paying their invoices early. In return, their suppliers get paid when they want. In Taulia's young life, it has already enabled small suppliers from 40+ countries around the world to receive hundreds of millions of dollars of early payments.
Innovation type: Lending, payments, small business
 The Under-18 audience has an estimated $50 billion in spending power. Learn how to successfully monetize the kids/teen market in this powerful demo by Virtual Piggy, an exciting new company that provides innovative technological solutions to help bridge the gap between children, parents and online retailers.
Innovation type: Payments
 Wall Street Survivor is the only place for the beginner to learn about investing. Guided missions, beginner-focused learning content, combined with the web's best stock simulator help users effectively manage their financial future.
Innovation type: Investing & asset management, marketing, PFM
 Mobile commerce is estimated to be a $31 billion industry by 2015, but how will the underbanked participate? Wipit has unlocked mobile payments for this massive and largely untapped consumer demographic representing 25% of all U.S. households and over 70 million U.S. prepaid wireless subscribers. Underbanked consumers can now make in-app and online payments with a single click. No need for bank accounts or credit cards; Wipit lets underbanked consumers use their payment method of choice-- cash.
Innovation type: Cards, payments
Stay tuned next week for another sneak peek of FinovateSpring 2012 presenting companies.
- CashSherpa.com reviews FutureAdvisor.
- SuccessStories.com features Alexa Von Tobel, LearnVest CEO.
- MyBankTracker reports TIO Networks gives underbanked a mobile wallet. See TIO Networks demo live at FinovateSpring next month.
- Wisconsin State Journal features TASCET, who will demo its Financial Iconn technology at FinovateSpring in San Fran, May 8-9.
- Northwest Credit Union Association reports Oregon Employees FCU is piloting SaveUp's prize-linked savings alternative. See them at FinovateSpring.
- Business Insider names Yodlee and Andera as 2 of 5 faceless companies that control your money.
- MSNBC consults BillGuard to determine the validity of certain questionable charges. See them demo at FinovateSpring.
- Financial Planning takes a closer look at Balance Financial.
This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.
- Fiserv wins Celent's XCelent Award for enterprise-wide compliance solutions.
- USA Today Money columnist recommends TradeKing & Zecco as platforms for investing in stock.
- Productive Web Apps features CoverHound.
- The Seattle Times discusses the benefits of BillGuard.
- Braintree's payment gateway available for Magneto users.
- Prosper adds 13 new loan categories for borrowers.
This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.
- The Independent recommends using Zopa to boost your pension.
- Creditnet examines how BillGuard can fight unwanted credit card charges.
- TechCocktail interviews Ben Milne, Dwolla CEO, at SXSW 2012.
- All Things D looks at SecondMarket CEO's answer to why it wasn't part of the SEC's secondary market ruling.
- Forbes looks at MasterCard's partnership with BOKU.
- Channel Partners turns to Expensify to lower expense-reporting costs.
- SecureKey Technologies and INSIDE Secure bring POS convenience to online merchants.
- Plastyc launches more robust mobile app to empower users who own a smartphone.
This post will be updated throughout the day as news and developments emerge. You
 We recently looked back at Finovate's Best of Show Awards archives and wanted to share the list of the 41 award-winning companies. Here's the Best of Show history that stretches back to 2007, the inception of Finovate:
Held October 2, 2007
Mint: Online PFM for individuals
Held April 29, 2008
First ROI (now BancVue): Develops products and services for community financial institutions
Jwaala: Provides software solutions to help financial institutions compete
Zecco: Online stock and options trading
Zopa: P2P lending network
Held October 14, 2008
Credit Karma: Provides a free and easy way for consumers to understand, monitor and monetize their credit profile
Mint: Online PFM for individuals
Neosaej's MoneyAisle: Platform where banks compete in live auctions for an individual consumer's business
Held April 28, 2009
BillShrink (now Truaxis): Provides a free cost-savings tool that saves consumers money on everyday bills
SimpliFi: A web service that allows anyone to create and update their own financial plan
Held September 29, 2009
BancVue's Kasasa: national checking/ savings account brand for community financial institutions
Credit.com: Provides free interactive tools, education, and unbiased comparisons of quality financial products and services
Yodlee: Provides personalized financial solutions to financial institutions
Held May 11, 2010
Expensify: Online and mobile expense report platform
oFlows (Purchased by Andera in 2011): Multichannel paperless solutions for account openings
Wikinvest: A platform for investors to share trading tips
Held October 4-5, 2010
Betterment: Investment account for savings management
BillShrink (now Truaxis): Loyalty rewards provider
Bundle: Provides socially informed money management for individuals
Dynamics: Produces and manufactures intelligent powered cards
oFlows (Purchased by Andera in 2011): Multichannel paperless solutions for account openings
PayNearMe: Cash transaction network for the underbanked
SecureKey: Token-based authentication technology
Held February 1, 2011
eToro: Social investment network
Finantix: Provides sales and advice solutions for financial services
Meniga: Online PFM for financial institutions
Held May 10-11, 2011
BancVue: Develops products and services for community financial institutions
BankOns: Mobile app offering consumers real-time savings at local merchants
Dwolla: Online, mobile, and social peer-to-peer payment platform
oFlows (Purchased by Andera in 2011): Multichannel paperless solutions for account openings
Mitek Systems: Provides apps for smartphones that allow users to deposit checks and pay bills via their devices' cameras
PayNearMe: Cash transaction network for the underbanked
Wikinvest: A platform for investors to share trading tips
Held September 20-21, 2011
BillGuard: People-powered antivirus for bills
Dynamics: produces and manufactures intelligent powered cards
eToro: Social investment network
FamZoo: Online "virtual family Bank"
FeeFighters: Platform that simplifies the process of choosing a merchant account provider
oFlows (Purchased by Andera in 2011): Multichannel paperless solutions for account openings
Personal Capital: Online financial advisor helping people manage their investments
Held February 2, 2011
Dynamics: produces and manufactures intelligent powered cards
eToro: Social investment network
Nutmeg: Online investment manager that democratizes saving and investing
 - Credit Union Times reports Geezeo signs Alabama Telco & San Francisco FCU, totals over 85 clients.
- P2P Money blog reports Zopa celebrates its 7th birthday.
- Finextra reports MoBank announces the launch of MoPowered mCommerce service.
- Detroit Free Press shows how BillGuard has helped people avoid unnecessary charges.
- SafetyPay selects ZipZap's CashPay solution as its preferred cash payment option.
- AppStorm shows off doxo.
- Finovate shares Best of Show winners from 2007 to present.
- Linkable Networks launches mobile app & API.
This post will be updated throughout the day as news and developments emerge. You
- MIT Technology Review covers Dwolla.
- BlackRock teams with DCisions to improve contribution portfolio benchmarking & customer insight capabilities.
- Dwolla, FamZoo, LendingClub, SecondMarket, & Segmint listed in the Coolest Startups in America book.
- ProfitStars introduces BusinessManager for healthcare providers.
- Authentify launches 2CHK out of band authentication technology.
This post will be updated throughout the day as news and developments emerge. You
- Balance Financial looks at lessons Facebook can teach about personal finance.
- Pandodaily takes an in-depth look at BillGuard.
- ThreatMetrix & TransUnion launch fraud prevention platforms.
- Expensify claims to lead the ScanAnywhere alliance against toxic receipt menace.
- Kony introduces version 2.0 of mobile banking application.
- Ubergizmo reports: Kinect based online banking from Etronika a reality now.
- IBM to purchase Worklight for undisclosed amount.
- Dwolla raises $5 million in Series B from Union Square Ventures.
This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.
- Business Insider looks at how BillGuard and Simple use Big Data.
- Dough Roller recommends using HelloWallet to keep track of your cash.
- P2P-Banking looks at Zopa's online marketing spending.
- NACS Online explores the Dynamics smarter credit card.
- American Banker suggests banks should consider working with merchant reward companies like Cardlytics and Cartera Commerce.
- PayPal's payments technology to reach all Home Depot locations by March.
- SecondMarket exceeds $1 billion in deals.
This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.
- American Banker describes how T8 Webware, Micronotes, and FreeMonee predicts what customers will buy.
- Seattle's King 5 News highlights Linkable Networks' digital coupons.
- TechCrunch reports Credit Karma enrolls 100,000 users for its credit monitoring service in one day.
- Business Insider recommends using BillGuard to prevent credit and debit card fraud.
- BetaBeat looks at what LearnVest is doing with its $19 million round of funding.
- TechCrunch reports John Donahue, Ebay CEO will serve as PayPal's interim president since PayPal President Scott Thompson left for Yahoo.
- ProfitStars reaches milestone of providing image & data conversions for 1,000 FIs over the past 5 years.
- Check Point Software Technologies works with Amazon Web Services secure the cloud.
This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.
To wrap up 2011, we've compiled a list of all of the funding Finovate alumni received over the course of the year.
The results were impressive:
- A total of 34 companies received funding, some more than once
- The companies collectively raised over $423 million dollars
- The months with the highest number of companies receiving funding were June August, both with 8 companies
- The highest amount of funding came in the month of June, when the alumni brought in over $124.4 million
Here is a month-by-month breakdown of funding received:
January -- $40.8 million raised by 3 companies February -- $10.3+ million raised by 3 companies
March -- $20.4 million raised by 4 companies
June -- $124.4 million raised by 8 companies
July -- $1.1 million raised by 1 company
August -- $103.4 million raised by 8 companies
September -- $33 million raised by 1 company October-- $22 million raised by 2 companies November -- $16.3+ million raised by 3 companies December -- $52.2 million raised by 5 companies Note: Funding that companies received before they demonstrated at Finovate was not counted. If you see any funding that is not on this list, please send the name of the company along with a link to the funding information to julie@netbanker.com and I will add it.
- Payments Journal looks at Dwolla's P2P payment platform.
- Prosper announces iPod Nano giveaway for borrowers.
- Simply Stacie describes BillFloat's daily $50 giveaway.
- OnPoint CU debuts Tyfone mobile gift card service.
- Active Filings describes how consumers can benefit from BillGuard's fraud-monitoring service.
- Freewaregenius describes the Kapitall user experience.
- Xero makes BestVendor's list of 25 most beloved web services and work apps with a belovedness score of 38%.
- SafetyPay available as payment option for Facebook Credit purchases.
- Pageonce sees $1 million in user bill payment, launches iPad app.
This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.
- FiPath (formerly eRollover) launches FiPath for Advisors, online marketing solution for advisor leads.
- TSYS signs largest private bank in Azerbaijan.
- MShift to power AmeriCU's mobile banking platform.
- StockTwits & Gnip partner to cater to traders.
- StockTwits goes International with its real-time financial platform.
- Mitek doubles clients, plans to enter insurance vertical.
- PayPal relaunches Facebook app for friend-to-friend payments.
- Expensify launches lite iPhone app for mileage support.
This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.
- Social Times hosts BillGuard as it shares its elevator pitch. Asks: Is it the next big thing?
- Business Insider interviews Ben Milne from Dwolla & shares how its frustrating credit card companies.
- Lighter Capital reacts to fraud, implements fraud prevention.
- Bloomberg reports SecondMarket gets lobbying win in gridlocked congress.
- Prosper gives military families their second loan payment free when they get a loan via Prosper.
- Vinod Khosla, founder of Sun Microsystems and Khosla Ventures, places BillGuard on his "Cool Dozen" list.
- Weemba plays matchmaker For borrowers.
- Personal Capital launches daily news service.
- Planwise launches financial planning tool beta.
- Tech Cocktail interviews HelloWallet CEO Matt Fellowes.
- Pilot of the new Zecco Trading Center has begun.
This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.
- Netbanker: Credit Karma Launches "Hands Free" Account Aggregation.
- Kony and CIBC deliver new mobile brokerage application.
- Backbase & Forrester Research to host free webinar Nov 9: 'Banks Need to Become SUPER.'
- Everything PR lists BillGuard in the Money category of 2011′s Top 100 Best Startups for PRs.
- eToro launches mobile HTML 5 App for social trading on the go.
- SecureKey Technologies Inc. to power the Government of Canada's new online authentication service.
- Malta Independent Online looks at Wesabe, Geezeo, and Budgettracker as key online money management tools.
- BankSimple launches to the public, changes its name to Simple.
- eToro launches iOS mobile app for on-the-go trading.
This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.
- BillGuard CEO, Yaron Samid, shares lessons learned as a startup entrepreneur.
- Expensify listed as 1 of 7 software makers to bring integrated, cheaper add-ons to Google Apps.
- The Globe and Mail lists Wikinvest as a tool to help ordinary investors dig through the data.
- Investors.com explains the benefits of using Yodlee to track your finances.
- Fast Company examines Betterment and BillGuard's #occupywallstreet event.
- Dwolla alters its registration process into a more pleasant experience.
- VentureBeat explains how Prosper is helping to support the #occupywallstreet protesters.
- peerTransfer partners with 30 new universities.
- Bill.com receives "Awesome Add-On" award.
- Social Lending Network provides details on Prosper's recent round of funding.
- Balance Financial launches professional platform.
This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.
Earlier this week, American Banker described the science that FinTech companies use to learn the spending habits of consumers, the Payments Genome.
All four fintech companies cited in the article are Finovate alumni. Here are the techniques employed: 
- FreeMoneyWisdom blog interviews Jon Stein, Betterment CEO.
- Silicon India Startup blog lists Expensify as a good app for busy CEOs.
- National Review Online holds BankSimple up to Richard Bronson's new ethics initiative.
- Bremer Bank to add CheckFree RXP from Fiserv.
- Yaron Samid of BillGuard & Jon Stein of Betterment to show how their products help solve #occupywallstreet issues.
- Check out Finovate Alumni Website Traffic in August.
- mFoundry & SecondMarket Hit Deloitte's 2011 Technology Fast 500 list.
This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.
 Yesterday, TechCrunch covered BillGuard's new round of funding:
"Khosla led the round, a $10 million series B. Other investors include Founders Fund, Eric Schmidt's Innovation Endeavors, Bessemer, IA Ventures, Saul Klein, and Joe Lonsdale. The startup raised a $3 million series A in February, 2011."
BillGuard seeks to use this funding to promote growth, support R&D efforts, and enhance business development and marketing efforts.
- MyBankTracker.com covers the FinovateFall Best of Show videos.
- American Banker discusses the effects that PayPal and BankSimple will have on bank branches.
- InComm named Leading Prepaid Organization and Best Prepaid Product Distributor at 2011 Prepaid Awards.
- Dynamics wins Best of Show at 2011 BAI Retail Delivery Conference for its next-gen magnetic stripes.
- Des Moines Register reports that Ben Milne, Dwolla CEO is to present at the Thinc Iowa event.
- T8 Webware to provide Call FCU with a custom website.
- A+FCU launches BillShrink: Statement Reward.
- Prosper provides even better rate discounts for repeat Prosper borrowers.
- BillGuard receives $10 Million in Series B funding.
This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.
- TSYS signs payments agreement with Imperial Bank.
- The Baltimore Sun mentions BillFloat & Prosper.com as two companies that are assisting cash-strapped consumers.
- LearnVest launches LV Mom's Newsletter & 2 new products: Baby On Board Bootcamp & LV Discussions.
- Weemba gives small businesses simple, direct pipeline for raising financing pre-holiday season.
- Morningstar recommends CheckFree to help control your bills by setting up automatic payments.
- Continuity Control buys Compliance Services Group of Iowa & Kirschler Peterson & Associates of Atlanta.
- Crain's New York Business.com mentions BillGuard, BankSimple, Betterment, SecondMarket, On Deck Captial & Plastyc.
- Jemstep launches out of beta to offer custom investment advice & guidance.
This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.
- AlphaClone launches "Alternative Alpha" index.
- Forbes discusses Cardlytics and Offermatic's approach & how they rival GroupOn.
- Smart Money Mag details how FeeFighters can help cut costs in small businesses.
- Jack Henry ProfitStars announces availability of the Gladiator NetTeller Enterprise Security Monitoring solution.
- MyCyberTwin launches DIY Intelligent Virtual Agents.
- Tyfone Introduces iCashe Mobile Wallet That Combines Mobile Banking With Digital Commerce.
- UseMyServices partners with SafetyPay for mutual network expansion.
- NYConvergence reports BankSimple prepares for its New York debut.
- Business Insider recommends using BillGuard and Mint.com.
- 24/7 Wall St looks at the P2P opportunity that Prosper brings.
- McGuireWoods consulting is lobbying to Congress for the use of Dynamics smart cards.
- Business Insider mentions Xero as a "great Web-based accounting tool."
This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.
- Mountain West Capital Network names Lendio fastest-growing company in Utah.
- Business Insider recommends signing up for BillGuard if you're a victim of ID theft.
- Firmology profiles Samurai by FeeFighters.
- Truaxis wins the Innotribe Start-Up Challenge for StatementRewards Platform.
- Kony names Sriram Ramanthan as Chief Technology Officer.
- The Examiner advises using Credit Karma's Credit Simulator and reading LearnVest's blog to keep aware of money matters.
- Dave Enjoys' blog highlights features of BankSimple.
- Credit Karma's CEO Ken Lin reports What Banks and Lenders Know About You From Social Media on Mashable.
- KAPITALL launches interactive news site KAPITALL WIRE.
This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.
- Netbanker highlights BillGuard's monthly credit/debit card scan report.
- Offermatic unveils OfferMatch, a pay-for-performance marketing channel that brings customers.
- NBC Chicago names Ben Milne, Dwolla CEO, as a person to watch during Ideas Week.
- WealthTouch partners with TILE Financial to create portfolio-reporting offerings for high net worth young adults.
- Wall Street and Technology lists Zecco as 1 of 6 brokerages leading the way in social media.
- New York Times blog reports BankSimple to go live on the Web next month.
- HelloWallet announces its fall webinar series.
- Business Daily Africa compares Xero and Kashoo accounting services with QuickBooks.
- Credit Karma's new feature graphically compares credit card clientele.
This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.
 Here's a transcript from Finovate's live twitter stream during FinovateFall last Tuesday and Wednesday. 
The entries appear in chronological order:
Day 1, Session 1
- 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
- Kabbage is demoing the social and sales analytics around an eBay merchant's store in order to assess the merchant's risk and increase credit.
- RobotDough is launching an "antivirus for your portfolio" that monitors a brokerage account for accounting red flags. Link
- RobotDough has massive coverage: it is worldwide on 130 stock exchanges, has 45,000 companies worldwide, and has options coverage coming soon.
- RebirthFinancial is showing a new way for lenders to analyze small businesses. JAS (pronounced jazz) is a neural network rating system. Link
- Rebirth Financial is looking to popularize a small business predictive model-- there is a big need for that.
- CreditSesame is launching its "badges of financial responsibility" to "certify credit worthiness" to the world. Link
Day 1, Session 2
- TandemMoney is launching a system for users to "borrow" from themselves, then repay. This helps to minimize interest. Link
- TandemMoney is demoing the "loan" process that uses a "plain talk promise" to disclose exactly what's going on.
- Equifax is demoing a freemium service that shows "Places" on its mobile app and has real-time access to your credit file. Link
- Equifax is showing how you can use its mobile app to determine "neighborhood safety" based on credit scores. It also has a "credit report" lock toggle.
- Transecq is showing its ENTERSECT out-of-band transaction authentication system using a mobile phone. Link
- Transecq is using push-based notifications rather than an SMS message for the 2nd-factor authentication.
- Balance Financial is demoing a bill upload process using an iPhone camera. It also launches a FaceTime chat with the personal bookkeeper. Link
- Balance Financial's app has receipt uploads that are managed with help of a personal bookkeeper at $40 per month.
- Micronotes is showing its new KulaX cross-sell engine 1st Advantage Credit Union on stage demoing it Link
- 1st Advantage FCU says it gets three times the number of leads using Micronotes compared to the traditional method of direct marketing.
- PersonalCapital is launching its company today at Finovate, calling itself an "investment management for the Internet age." Link
- Personal Capital is demoing an investment management UI which really pops, showing an "investment checkup" with fee projections.
- Personal Capital demonstrates its free service using an iPad app with FaceTime connection to your financial advisor. It ends its demo with an iPad giveaway.
- Kony is showing its new mobile commercial banking application that streamlines approvals and transactions. Link
- MyCyberTwin is debuting an "emotionally responsive AI virtual agent" that is able to use emotion, smile, frown, etc. Link
- MyCyberTwin is demoing a fully automated avatar deployed on Australia's NAB. It captures customer mood and responds to what they really want.
Day 1, Session 3
- CashStar is launching its Digital Gifting platform where the iPhone app turns card points into mobile gift cards. Link
- Authentify is launching 2CHK for a secure, 2-way window into user accounts for review, approval, or cancelation of transactions. Link
- Backbase debuts its Retail Bank of the Future, and suggests products that "other people like you use" (Similar to Amazon.com's recommendations). Link
- Andera is showing its new FortiFI system that scans new account applications submitted to over 500 financial institutions. The system discovers fraud patterns. Link
- Andera is demoing a fraud app made on BankSimple app. Side note: this is the first Finovate company with masked man driving the laptop!
- eToro is launching "Copy.Me," a store where you can find the top traders to follow and copy their trades. Link
- The best jokes delivered at Finovate so far: eToro's Yoni Assia (high school copying) and Kabbage's Marc Gorlin (naked tweeting).
- Yodlee is showing its new "Dynamic Consumer Experience" with a large "deals" section in the upper-right. Link
- Yodlee is showing a goal-oriented profiling tool, Smart Credit, in its FinApp Store. Real-time PayPal payments can be used to pay bills.
- BillGuard is demoing its new "Antivirus for Bills," a crowd-sourced database with information on bad charges to inform all users of the fraud. Link
- BillGuard is demoing a Yodlee-powered daily scan on credit card transactions across all your cards. It flags potential issues and likely fraud.
- BillGuard today is launching "BillGuard browser extension," so far it has found fraudulent charges on 20% of cards-- this adds up to $350,000 in savings.
- BillGuard is launching a collaborative industry working group to track fraudulent charges.
Day 1, Session 4
- modoPAYMENTS is showing its full-service mobile payments service using a live helmet cam at a local bar. Link
- So glad that modoPAYMENTS the helmet cam demo worked!
- cbanc Network is showing a "social network-like" system for bankers to work with each other to tackle issues. Link
- cBanc uses a virtual currency to incent bankers to upload answers and solutions to the network so that others can "buy" the solutions.
- cBank has 2,900 participating financial institutions and 3,000 solutions and answers in the system, including exam sharing. It even has a method to NOT share the information with competitors.
- cBank Network is launching vendor opportunities today such as advertising, review responses, surveys, etc.
- SigFig is a "second set of eyes for your portfolio." It can set up a meeting with your adviser within the system.
- SigFig is showing its system for avoiding trading fees, showing a real example where the user could save $150k per year. Link
- Mootwin is showing its new mobile investment management and trading system with real-time updates. Link
- Experian is demoing its new myID privacy and identity monitoring system. Link
- Experian myID will help you opt out from tracking services. This helps get your name and mobile phone number removed from data aggregation services.
- Experian myID can be white-labeled for financial institutions.
- Plastyc is showing its new savings account attached to Upside prepaid account. It includes goals and achievements. Link
- Plastyc is showing its systematic savings tools and cash-back rewards to incent savings (currently 6% rate).
- Dynamics is launching Chip & Choice, enabling advanced EMV applications without the need to update point of sale terminals. Link
- Dynamics drops its card into a glass of water to show that it can go through the washer, nice.
Day 2, Session 1
- FinovateFall 2011 day 2 starts off with T8 Webware.
- T8 Webware is launching Grip, a mobile banking app with aggregation to monitor all accounts. It also includes receipt upload. Link
- T8 Webware built its own aggregation engine. The app carries a fee of $0.99 for each month used.
- Swipely is launching a "loyalty for main street," platform that is linked to customer credit and debit cards. Link
- CREALOGIX is launching CLX.SentinelDisplay, a USB device with keypad, display, and a hardened browser for out-of-band authorizations. Link
- CREALOGIX also includes complete data confidentiality: when the USB device is disconnected, nothing about the session remains on the PC.
- ACI Worldwide and MShift are unveiling their Mobile Enterprise Banker," a business banking app for tablets. Link
- ACI and MShift are demoing on the iPad, showing how an urgent push notification from a bank overrides an "Angry Birds" session-- nice visual.
- FuzeNetwork is launching Swipe2Pay to make a cash payment or deposit to a bank by swiping a card at a retailer's point of sale. Link
- Fuze Network is demoing actual point of sale transactions where "any card" works. The system is live at ACE now.
- FreeMonee is showing its new card-linked offers system to provide simple cash back rewards. Link
- MitekSystems is debuting "Mobile Balance Transfer" for banks to acquire new credit card customers. Link
- Mitek is demoing "point.shoot.transfer.save." Users take a photo of a credit card statement, the tool extracts the APR/balance, then uploads the information to the issuer for an offer.
- Mitek is showing what happens in the back office when an image is received and how it is evaluated.
- Truaxis (formerly BillShrink) is demoing its new platform that delivers personalized discounts via web, mobile, and email. Link
- Truaxis says that the majority of its users want "Netflix-like" recommendations for purchases. There is great potential for banks to showcase this information.
- LearnVest is creating the 1st online 'financial fitness center'. Its goal is to make financial planning more accessible to women. Link
- LearnVest has put 250,000 users through its "financial boot camp" in past 3 months. It is showing a PFM with a "Gmail look and feel."
- LearnVest is demoing a "financial advice center" with costs $130/yr or $4.99 for 1-day.
Day 2, Session 2
- Cartera Commerce unveils its Local Offers solution, part of its card-linked offers service. Link
- Cartera Commerce is demoing its merchant self-service interface.
- FamZoo is showing its system for teaching kids good money habits via co-branded FamZoo Virtual Family Bank. Link
- FamZoo is demoing how kids and parents interact through its online interface, manage spending, incent savings/giving, and create rewards.
- FamZoo is launching a "partnership edition" today, a private branded version for banks, credit unions, and advisors.
- oFlows is launching a broad-based paperwork solution; allowing for the digitization of all types of paper-based transactions. Link
- oFlows is demoing the upload of a voided check to handle account verification on-the-go.
- InComm and CorFire are showing a new mobile platform for retailers to personalize the consumer payment experience. Link
- InComm and CorFire are demoing an offer delivered in-store on a mobile device. It then uses a mobile barcode to pay at the point of sale.
- planwise is debuting its company at Finovate today. It is designed to help consumers understand their financial plans. Link
- planwise offers "Secure Share" to provide the ability to share parts of your financial plans with others-- this is a much-needed online finance feature.
- Jingit is launching a transactional ad platform where consumers can earn cash for engaging with brands. Link
- Jingit is demoing how it works with an online music store: "instant earn/instant spend." It is working with US Bank for cash-back rewards.
- LighterCapital showing its new Revenue Loan that offers "debt-like risk with equity-like returns." Link
- Ligher Capital is showing its two-question loan application--that should raise eyes. It is also discussing real "Tomato Battle" funding.
- Lighter Capital is launching "social security" with partners. It combines "light-weight lending platform" with social media-based decisioning.
- MasterCard is showing its new Small Business Controller, part of the inControl suite to create unique payment products. Link
- MasterCard is demoing virtual card creation by small businesses with real-time alerts to employees.
- BankSimple is showing its user interface publicly for the first time today, focusing on speed and simplicity. Link
- BankSimple features a "Safe-to-spend" balance that is "red flagged" in the upper left corner of the main page. It is also demoing a "Goggle-fast" natural-language search.
- BankSimple is "helping users learn from their transactions". It is demoing fast bill-pay with real-time processing.
- BankSimple is demoing a goal setup. Users can pause, lock, resume, or manually add to it. It is also showing a mobile interface that was "designed before online UI."
Day 2, Session 3
- PayNearMe is launching its new automobile-loan payment service using cash at local stores such a 7-Eleven. Link
- PayNearMe is demoing with a Monopoly board and a toy cash register--a Finovate first.
- PayNearMe demos making payments for rent and utilities with a mobile bar code scanned at a 7-Eleven.
- CarryQuote is showing its Intellicast system to quickly publish investment research to mobile and tablet apps. Link
- CarryQuote is launching a "conference feature" to connect with customers before, during, and after investment events. It also has real-time updates.
- FeeFighters is launching the Samurai payment gateway, the "simplest way to accept payments online." Link
- FeeFighters is demoing how to add its gateway to a webpage. It uses "intelligent routing" of payments to ensure the lowest cost.
- Wall Street Survivor is launching a new interface catering to investing beginners. It uses missions to educate the learning investors. Link
- Wall Street Survivor is the "largest fantasy stock market online," with 350,000 registered users.
- Wall Street Survivor is demoing a stock trading "mission" with virtual cash and points to reward users. It also includes Facebook integration.
- miiCard is showing "Assured Identities" to serve as "drivers license/passport checks" for the online world. Link
- miiCard is designed to reduce high levels of "financial cart" abandonment, showing how it can be integrated into a banking site.
- DoughMain is launching a family financial management platform and three age-relevant financial game sites. Link
- DoughMain is showing a financial homepage for pre-teens with a service that includes a prepaid card. It also has a gift card purchase cart.
- DoughMain is looking to offer versions for banks.
- Bundle is using actual spending data to help "cut through the noise" of user-review sites like Yelp. Link
- Bundle is demoing its advanced "search results filtering" to hone in on restaurants that attract repeat customers.
Day 2, Session 4
- Transparency Labs is working on the transparency genome to decode and explain financial "fine print." Link
- Transparency Labs is demoing how it can break down the "fine print" and uncover fees and important conditions, showing it in a dashboard.
- Transparency Labs also monitors existing agreements and sends alerts when the "fine print" changes.
- ActivePath and Cardlytics are teaming up to deliver in-statement offers delivered directly to clients via email. Link
- Cardlytics and ActivePath are showing "active mail" within Gmail. It includes an "offers" tab within the emailed bank E-Statement.
- The Cool House of Financial Media is launching eyeOpen, a financial matching service that provides the best-fit in financial products. Link
- The Cool House of Financial Media is demoing a consumer profiling session with eyeOpen, and recommends products based on what other people liked.
- IND Group is launching IND Innovation, a new online and mobile platform that includes a "bank feed." Link
- IND Group is demoing mobile P2P payment with a QR code. It supports "mobile first" banking.
- Offermatic is reinventing "daily deals" by making them relevant and easy to redeem through bank card linkage. Link
- Offermatic is offering "guaranteed net new profitable customers." It is demoing a dashboard of metrics for merchants with zero cost to the merchant.
- Offermatic is launching Dynamic Offers, the first system that pegs the value of a discount to the value of the customer. It also track repeat purchases.
- ReadyForZero is showing a new system with loan repayment automation and data sharing. Link
- ReadyForZero found that its users pay down debt twice as fast as non-users; its designed to reduce credit losses for banks/card issuers.
- Bobber Interactive is launching its GoalCard app on Facebook. Link
- Bobber Interactive's social-game-based system is geared towards GenY; asks "who would you rather loan $50 to?" using Facebook tools.
- Bobber Interactive "is helping Gen-Y win at money" ($200 billion market).
- That's it-- FinovateFall is a wrap...see you in the networking hall!
Here's a look at press coverage of FinovateFall last week:
ABA Banking Journal How Mobile Banking is Different from Online Banking
All Business Finovate 2011: New Online Financial Services for Your Business
All Things D Here's a Facebook App That's Basically a Bank by Tricia Duryee
 American Banker Turning Fraud Complaints into Fraud Alerts by Daniel Wolfe
Helping Banks Get Data from Consumers Who Don't Want to Share by Daniel Wolfe
Bank Innovation 4 "Finovate" Themes by Mary Wisniewski
FinovateFall 2011: Demo Performance Scores and Reviews by Mary Wisniewski
Getting a Financial "Grip" by Mary Wisniewski
Strange (and funny) Moments from Finovate by Mary Wisniewski
Bank Systems & Technology FinovateFall 2011 Recap, Day One by Olivia LaBarre
Day Two Recap of FinovateFall 2011 by Bryan Yurcan
Bank Technology News Personal Capital Builds Self-Service Financial Portal for Mass Affluent By John Adams
Start-Ups Direct PFM at Niche Customer Segments by Jeremy Quittner
Startup Financial Portals Target Niche Markets by Jeremy Quittner
Text Too Risky? A Bank Works to Improve Security for Mobile Authentication by Daniel Wolfe
Using Payments to Teach an Old Business Model New Tricks by Jeremy Quittner
Celent Innovations in Mobile at Finovate by Bart Narter
 Consumer Reports FinovateFall: Products for investors and the "unbanked" by Tobie Stanger
Finovate Fall focus: Products to reduce consumer fraud by Tobie Stanger
Finovate wrap-up: Mobile, incentives & seals of approval by Tobie Stanger
Google showcases new channel to shop for bank products by Tobie Stanger
Crain's New York Business.com Reinvented by technology: Financial services by Judith Messina
Credit.com Startups to Guide Your Financial Future by Christopher Maag
Paying Cash? Service Will Let You Pay Rent at 7-11 by Christopher Maag
Credit Karma Blog Favorites from FinovateFall 2011 by Danielle Belfatto
 Credit Union TimesT8 Webware Offers Mobile Aggregator by Marc Rapport
ExpertsColumn.com Picking Favorites in the Fall Finovate 2011 by Akbarul
 Filene Research Institute Filene Takes on FinovateFall by Trish Shermont
Financial Planning Personal Capital Launches 'Wealth Management for the Internet Age' by Kenneth Corbin
Financial Tech Spotlight Credit Sesame Launches Credit Badge Program
eToro's CopyMe Helps Traders Build Own Investment Business by Carolyn J Dawson
 Forbes Is Financial Innovation an Oxymoron? by Arjan Schütte
Personal Capital is more than Mint for rich people by Tom Anderson
Picking Favorites at FinovateFall 2011 by Tom Anderson
 Inc. 4 Start-ups Help Entrepreneurs Get Cash by Courtney Rubin
miiCard blog Reflections on FinovateFall 2011 by James Varga
Main St Transparency Labs Tells You What's Really in the Fine Print by Seth Fiegerman
Minneapolis Star Tribune Lifestyle Blog Finovate: What's new in personal finance by Kara McGuire
MyBankTracker Banking of Tomorrow, Happening Today
BankSimple Teases at FinovateFall 2011 by Marina Shifrin
BillGuard: Fraud Security on Your Online Bank Statements by Simon Zhen
Bundle: Cutting Through Your Social Web of Lies by Willy Staley
CashStar: Redeeming Credit Card Points On-The-Go by Simon Zhen
FinovateFall 2011: A Crowded Space For Merchant-Funded Rewards, PFM Tools by Simon Zhen
Hire Someone Else To Read The Boring Fine Print by Simon Zhen
MyBankTracker Drops By FinovateFall 2011 by Marina Shifrin
TandemMoney: An Emergency Fund for the Unbanked, Underbanked by Simon Zhen
Why You Should Know About Segmint by Marina Shifrin
New York Daily News Financial planning tools like online planning, spending rewards, financial literacy programs pay off by Jean Chatzky
Novarica Innovators in Banking: Findings at FinovateFall 2011 by Michael McEvoy
 PaymentsViews Live Blogging from FinovateFall by Bryan Derman
planwise Blog Finovate Round Up - Planwise by Vincent Turner
 Pymnts.com FinovateFall Recap: Are These Innovations "What's Next" in Payments?
SavingsIdea.com Are you broke? Will Plastyc help you to Save More?
Silicon Bayou News NOLA Start-Up Rebirth Financial Presents At FinovateFall by Molly Oehmichen
 Silicon Prairie News New T8 Webware app aims to help consumers get a 'Grip' on finances by Michael Stacy
The Consumerist The Four Most Interesting Finance Sites at Finovate by Ben Popken
thrupoint Cartera and TransFirst Join Forces to Accelerate Local Business Adoption of Card-Linked Offers
Williammillsagencyevents Finovate Fall 2011 New York, NY Day One by William Mills III
To finish off the first session this afternoon, BillGuard unveiled a new browser extension:
"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."
Product Launched: May 23, 2011
HQ Location: New York, NY Company Founded: April 11, 2010 Metrics: $3M raised, 13 employees
Presenting Yaron Samid (Founder & CEO) & Raphael Ouzan (Founder & CTO)
 More than 60 leading fintech innovators, both startups and established companies, are gearing up to present at the biggest Finovate ever, Sept. 20/21 in NYC.
Each company provided a sneak peek of what they'll be demoing on stage next month. Below is the second installment of these teasers ( see part 1 here). We'll have more next week.
_____________________________
  Customers use different communication channels throughout the day and expect the same from their FI. But to reach and interact with the greatest number of customers - and deliver reward value to both institutions and their customers - banks and reward vendors alike must fully support the growing range of channels: online, mobile, social, e-mail and more, while providing requisite security and privacy for email communications featuring sensitive data.
Cardlytics & ActivePath combine powerful technology to personalize reward offers based on transaction data that can be securely delivered and transacted directly within interactive email, enabling customers to respond at their convenience, anytime, anywhere.
Innovation type: Cards, communications, rewards
-thumb-170x41-3860.jpg) Andera's FortiFI product stops online new account fraud. It scans applications submitted online at over 500 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.
FortiFI is available as part of Andera's hosted account-origination solution and its Software Development Platform that gives developers "plug and play" access to the 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 innovation to market.
Innovation type: identity, marketing, sales
 Online and mobile banking has created a new breed of cybercriminal. New forms of defense are needed.
Authentify will unveil publicly for the first time, Authentify 2CHK. It is an app that will transform an end user's mobile device into a secure transaction authenticator. The device becomes a defensive weapon in the battle against cybercrime. Authentify 2CHK is a natural extension of Authentify's out-of-band technology and will help satisfy audit requirements for end user and transaction authentication spawned by FFIEC guidance updates.
Innovation type: Identity, payments, security
BillGuard is the world's first antivirus for bills. This free, Web-based solution empowers consumers with the assurance of an unheard-of level of personal finance security. The easy-to-use service has already saved consumers more than $300,000 from unwanted or unauthorized charges.
BillGuard aims to be the "seal of approval" that merchants and financial institutions display so consumers recognize that their accounts are protected and that all posted charges are accurate. In the future, it will be imperative to display a BillGuard badge to gain customers.
Innovation type: cards, identity, security
 Gen Y embraces frugality and seeks "engagement banking" with rich, interactive online experiences around their $200 billion in income.
Bobber represents a profound shift in how Gen Y relates to their money, integrating the most effective social engagement mechanics for cost-efficient acquisition, sustained loyalty, and increased wallet share. Bobber's cash-management tool simplifies daily spending and incentivizes goal achievement. Users engage in a highly interactive debit rewards program grounded in their personal savings goals.
Bobber's technology is architected into the Facebook ecosystem for low-friction onboarding, social collaboration, and experiences tailored to users' Facebook data.
Innovation type: banking products, cards, marketing, online UI
 CarryQuote IntelliCast is 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 fewer than six weeks.
Innovation type: communications, investing, mobile and tablet UI
 Cartera Commerce is re-inventing the deal with card-linked offers.
Cartera, the leading provider of card-linked marketing solutions, will unveil its solution that enables banks to tap the explosive growth of the local deals market popularized by daily deal sites.
For banks, issuers and loyalty programs, Cartera provides the industry's most comprehensive card-linked offer platform powering personalized in-store and online shopping programs that build consumer engagement, maximize card spend and create new revenue streams. For merchants, Cartera powers the industry's largest card-linked advertising network, targeting and tracking shopping offers to 150 million+ loyal consumers.
Innovation type: cards, marketing, rewards
 CashStar, the preferred digital gifting and incentives partner for retailers and incentive partners, provides consumers with the most personal, compelling and convenient gifting experiences available. The only company to successfully combine an on-demand digital gifting and incentives platform with innovative multichannel marketing strategies, CashStar is changing the way rewards currency is exchanged from the digital world to the brick and mortar.
At FinovateFall 2011, CashStar will unveil a first-of-its-kind, location-based iPhone application that enables consumers to instantly turn credit card points into digital currency while they are in a participating retailer's store.
Innovation type: cards, marketing, rewards
 How do you know whether to trust online profiles? Where do you turn for assurance or accountability? The ability to demonstrate financial 'good sense' would give you an invaluable edge to stand out and succeed in career, business and personal objectives.
At FinovateFall 2011, Credit Sesame, one of the Internet's most trusted credit management sites -- backed by global financial institutions and world-class science, technology and financial experts -- will reveal how to get that "edge."
Whether you're applying for a new job, transacting commerce online, or interacting with someone on the Web for business or personal reasons, Credit Sesame can help.
Innovation type: identity, lending, PFM
 You've seen it all: savings tools, financial games, virtual banks and so on. But these products have a limited reach with your customers. DoughMain is the first and only service to combine family coordination and financial education into one simple and convenient platform.
Achieve a new level of engagement with your adult customers who have active families. Integrate your bank and financial service products in a completely new way and upsell your offerings to a lucrative market.
Innovation type: banking products, marketing, PFM
 Samurai is the easiest and most elegant gateway on the market. It gives you 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 with Samurai -- it's universally compatible. Oh yeah, and that's just a sneak peek at all that Samurai has to offer.
Innovation type: back office, payments, small business
 Google Advisor makes it fast, safe, and easy for consumers to find personal finance products. Google will be showing the latest version of Advisor and be available for conversations with potential partners who are interested in the platform.
Innovation type: banking products, online UI
-thumb-150x65-3844.jpg) IND Group "wow" innovation is a new online and mobile banking platform that has reinvented the way a bank can communicate with its customers. The platform's simplicity and ease of use is underpinned by natural language and data visualization -- key differentiators.
Easy-to-use main features are the account and transaction visualization, wizard-type money transfers and investments, zero-effort personal finance management, online sales engine and the support center. IND Mobile banking is more than just the extension of online banking features, unique ergonomic design, user experience, security and the fact that it is always-online.
Innovation type: mobile and tablet UI, online UI, PFM
 See Kony's mobile commercial banking solution in action. It allows the corporate treasurer and executives to approve transactions from any mobile device, including tablets.
Each user is able to view the transaction amount, date, account involved, the approval status of other users, and a memo. This speeds the process of approving transactions as well as tracking the progress. Plus, from the development perspective, the application is updated and deployed to any mobile device, mobile Web or tablet from a single application definition.
Innovation type: banking products, mobile and tablet UI
 LearnVest believes that financial planning should not be a luxury.
LearnVest is making personal financial advice accessible and affordable to millions of Americans. The company does this by providing the content, tools and advice to help women get informed, get organized, and get support.
LearnVest's new My Money Center and the LearnVest Advice Center are the keys to this transformation. By helping members create everything from a personalized budget to a retirement savings plan, LearnVest empowers women to build their wealth and afford their dreams. Come learn more about the new LearnVest Method and see where the company is headed.
Innovation type: communications, PFM
 There's a tremendous opportunity to gain share of cash and check spending by small businesses; if only business owners felt they could adequately delegate and manage the credit, debit or prepaid card spending of their employees. Now they can.
MasterCard inControl Small Business Controller empowers small business owners to more confidently and securely delegate card spending to employees, improving expense control and helping to better manage cash flow. Small business owners can also create profiles with controls and alerts for each employee card and use virtual card numbers to shop more safely online.
Innovation type: cards, online UI, small business
 miiCard is a revolutionary digital passport. It enables users to prove their identity online to the same level of authority as a drivers license or passport would do offline.
By creating trust in an environment characterized by anonymity and transient identities, miiCard will open up opportunities for business online and put Internet users back in control of their personal information on a global basis.
Innovation type: identity, payments, security
 Retailers are constantly looking for new ways to increase sales. Over US$20 billion is spent on consumer promotions each year, but while promotions can be effective, they are costly and reduce margins.
Offermatic already enables any merchant today to precisely target Offermatic members based on their actual spending history. Merchants can acquire guaranteed-new customers, who are already spending in the category, on a 100% pay-for-performance basis.
At FinovateFall 2011, Offermatic will announce its latest innovation. This new model will enable merchants to run a free promotion and grow sales at no cost! See you on September 21st.
Innovation type: marketing, rewards, coupons, small business
-thumb-160x49-3867.jpg) PayNearMe offers a convenient payment option to individuals who prefer to make payments in cash, as well as the more than 60 million adults who are unbanked or underbanked.
PayNearMe will demonstrate an easy and inexpensive way for these consumers to pay their rent and auto loans with cash at their local 7-Eleven store. And with our self-service portal, merchants of any size will soon be able to take advantage of this simple payment alternative.
Innovation type: payments
 RobotDough will be presenting a new product that helps people protect their investments.
Innovation type: investing and asset management, PFM
 Wall Street Survivor is relaunching at FinovateFall 2011 with a website that finally demystifies investing. Wall Street Survivor couples a real-time stock market simulator with content to create missions.
The product helps users understand financial concepts, such as creating a virtual portfolio, how to manage it, and how to find good stocks, all in a fun and rewarding way. If you want to learn how to invest better, or just want more confidence when speaking to your financial advisor or stockbroker, then the new Wall Street Survivor is for you.
Innovation type: Investing and asset management
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