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 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.
 Next, DCisions took the stage to demo InvestorBee:
"InvestorBee puts data at consumers' fingertips so they can make smart, confident investments.
- It's fact, not opinion. Users can tap into the database to learn from the experiences of other investors.
- It's an investment health check. Users can compare their portfolios and multi-asset products with fact-based, relevant benchmarks to understand whether they receive fair value.
- It's simple investing without guesswork. Users can choose an objective risk-based strategy to track what's right for them in a few easy steps.
Our users extract wisdom from the crowd to make better, simpler investment decisions - all for free at InvestorBee."
Product Launched: December 2011
HQ Location: London, UK Company Founded: 2005 Metrics: 15 employees, holds data on approximately 1.5 million investors
Introducing Graham Mannion (Managing Director & Founder) and Maya Kuzalti (Director, Product & Analytics)
Here's part 2 of the sneak peek of the companies that will demoing at FinovateSpring May 8 and 9 in San Francisco. Each company provided a short summary of the innovation they will debut on stage. We published 23 last week and we will complete the preview next week.
__________________________________________________________________________
 InvestorBee puts data at consumers' fingertips so they can make smart, confident investments.
- It's fact, not opinion. Users can tap into the database to learn from the experiences of nearly 1.5 million investors.
- It's an investment health check. Users can compare their portfolios and multi-asset products with fact-based, relevant benchmarks to understand whether they receive fair value.
- It's simple investing without guesswork. Users can choose an objective risk-based strategy to track that's right for them in a few easy steps.
Users extract wisdom from the crowd to make better, simpler investment decisions - all for free at InvestorBee.
Innovation type: Investing, marketing, PFM
 iQuantifi takes you way beyond budgeting! It helps you reach all your financial goals and tells you exactly how you can do it. No estimates. No calculators. Just solid advice and the power to do it all online.
Innovation type: Banking products, investing, PFM
Historically, investing in securities has been a difficult proposition for retail investors,  mainly due to the lack of access to competitive products and the absence of user-friendly financial education tools.
This problem is exacerbated in emerging markets, where financial markets tend to be less developed.
Kuspit offers retail investors an online platform to learn about investing, apply what they've learned, and invest in the same platform. All of this is available in an easy and progressive manner, while sharing ideas with the community.
Innovation type: Investing, online, PFM
 The current infrastructure to deliver capital to Main Street businesses is broken. It's simply too expensive for banks to manually analyze and underwrite a small loan - whether it is $10,000 or $100,000. As a result, banks make fewer loans, and creditworthy small businesses are denied the capital they need to grow.
On Deck has created an efficient, effective and proven solution to this fundamental problem. By leveraging new digital sources of data, any institution can increase its small business lending through the On Deck platform, delivering funding decisions in minutes rather than weeks.
Innovation type: Lending, payments, small business
 PaySimple is launching an innovative platform for banks to set up their own private-labeled version of cloud-based receivables automation. With this platform, banks of all sizes can easily bring to market a sticky value-added offering to attract and retain small business members, while adding a new revenue stream.
PaySimple will demonstrate how banks can set up custom-branded software in a few simple steps and how small businesses can immediately benefit from a system that combines payment acceptance across channels integrated with customer management.
Innovation type: Online, payments, small business
 Portfolio Football is a first-of-a-kind application that addresses the need for financial planning and literacy through gamification. Portfolio Football plays on the popularity of American Football and the adoption of fantasy sports into the lives millions. It makes financial management competitive, fun and easy to understand, while providing users with a powerful tool for personal finance and portfolio management. It's a true "game changer."
Innovation type: Investing, Online, PFM
 With 80% of Americans between the ages 20-40 now using social media and playing social games, how can financial institutions reach their customers in new ways?
Introducing SaveUp - an innovative program that uses game mechanics to reward good financial behavior. When users save money and reduce debt, they earn credits to play for prizes like cars, travel, and cash up to $2 million.
Financial institutions can use a customized SaveUp experience to help their customers make better financial decisions, increase engagement, and cross-sell products. Current FI partner campaigns have conversion rates of up to 44%.
Build a deeper relationship with your customers while helping them succeed.
Innovation type: Marketing, rewards
 SoMoLend makes investing in your online community simple, affordable, and social. SoMo is an online platform that uses patent-pending lending technology executed within a hyper-localized geographic scope to connect small business borrowers with individual and organizational investors.
SoMo's user-friendly technology allows business borrowers to raise capital from friends and family, customers and community supporters as well as from Facebook, Twitter and LinkedIn connections. Investors lend money directly to borrowers through the SoMo platform, which then packages the loans and sells them as notes, bypassing banks and credit-card issuers.
Innovation type: Investing, lending, small business
 Thomson Reuters is pleased to introduce their new App Store solution that enables access to the latest innovative capabilities and tools for use across the digital enterprise. Thomson Reuters' solution makes it easy for financial institutions and third-party developers to create and integrate pioneering market monitoring and investing apps.
By seamlessly enabling the combination of Thomson Reuters content, firm's customer account data and firm's internal and other data sources, Thompson Reuters is helping institutions leverage the providers of financial content. This delivers a differentiated experience for their customers while lowering both development costs and time to market.
Innovation type: Investing, marketing, mobile, online, PFM
 Approximately half of the world's population are cash-preferred consumers (unbanked, underbanked, teens or privacy-concerned) and have no bank account or limited access to traditional financial services. eCommerce merchants have not had a way, until now, to monetize this segment of consumers simply missing out on the substantial revenues they represent.
ZipZap will unveil the latest innovations in global cash transaction solutions for eCommerce merchants. CashCade ensures no more lost revenue from card-based transactions being declined, while CashPayment enables consumers worldwide to make payments for online purchases at offline locations using cash.
Innovation type: Back office, payments
 - Mobile payments today reports MoneyGram and Fiserv hook up on mobile P2P payments.
- Kony Solutions announces support for iOS 5.1.
- The Republic identifies Mint and Expensify as two apps to help streamline finances.
- Boot Camp interviews ReadyForZero on its platform.
- SecondMarket launches 'The Facebook Fund' to buy shares before IPO.
- CU Times looks at Superior FCU's success from using Mortgagebot.
- Forbes lists Alexa Von Tobel, CEO of LearnVest as a female founder to watch at SXSW 2012.
- Xero moves to new headquarters.
- All Things D looks at how Personal Capital fits into the trend of online wealth management.
- Ping Identity launches PingOne for single sign on access to cloud-based applications.
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
- SimpleTuition wins the BostInno Insider Award for best higher education blog in Boston.
- TechCrunch reports TradeShift launches instant payment solution.
- Boston Business Journal covers Cartera Commerce card-linked offers.
- Cartera Commerce Card-Linked advertising network generates over $1 bil in merchant sales in 2011, more than previous 4 years combined.
- Tech.li looks at how Expensify takes control of expense reports with less "suck."
- InvestorBee launches Compare Investments tool.
- BOKU works with MasterCard to launch mobile payment platform.
This post will be updated throughout the day as news and developments emerge. You
 Here's @Finovate's live Twitter stream from FinovateEurope on Tuesday, February 7.
Entries appear in chronological order:
Session 1
- Here's the first Finovate demo. Nutmeg launch: "Investing the way it should be." Link
- Nutmeg walking through investment goal setup; red popup tells you if you are drifting away from your goals and what to do about it.
- Ping Identity launching methods for banks to integrate with social networks.>> huge priority for future. Link
- Ping Identity demoing Facebook integration in account-opening process; has a number of integration ideas in the works with clients.
- At Finovate, PayPal and la Caixa are launching PayPal account opening in 30 seconds by choosing email address and password. Link
- Have found that PayPal account opening within la Caixa Bank environment increases account setup success by 2x to 3x.
- iBrokr AG, unit of Fidor Bank, is launching Stockbattle: Social betting on stock market. Link
- iBroker demoing 1-euro bet on the stock value of a German company; has Facebook integration to share the bet to find a counter bet.
- iBroker is easy, transparent, fun and accessible. A wildly innovative service to offer within an online banking or investment account.
- BCSG is launching CreditHQ represents, a better way for small businesses to handle credit management. Link
- BCSG's CreditHQ demoing credit management dashboard; has integration with collection agency to help followup with late payments.
- Backbase launching major new features in Bank 2.0 portal including targeting to customer segments. Link
- Backbase has cool widgets targeted to segments, showing student page mockup. Working with ABN AMRO, ING, DB, Barclays, and Visa.
- Fenergo demoing "deal manager," client on-boarding and KYC compliance solution for corp banking/investments. Link
- Fenergo showing dashboard to build the "credit pack" to pass to underwriting and back office departments; shows work-flow backlogs.
- Service2Media and Rabobank introduce mobile payments via an existing banking application. Link
- Service2Media showing cool mobile features: OCR recognition, "drag and drop" coins across page; "shake to clear."
- CurrencyFair launching peer-to-peer foreign exchange transfers with its QuickTrade. Link
- CurrencyFair demoing a foreign exchange transaction, in this example a 68 GBP savings on 2000 GBP exchange; great user interface.
- CurrencyFair has processed 90 million Euros, currently doing 0.5 million per day and growing quickly.
- Holvi demoing "group account" replaces bank account with smart payment account designed for any group. Link
- Holvi account assists groups with raising money, distributing cash, processing expense reports and tracking/ categorizing/ sharing it.
- Holvi can also be used for group to setup online store for donations, t-shirt sales and so on; 58% of consumers involved in groups.
Session 2
- We are back from break with Etronika showing voice, face and gesture recognition technology. Link
- Etroinka demoing logging in via voice intro then authenticated with facial recognition; also showing gesture/voice navigation.
- miiCard demoing new online Identity verification system to ease account opening and ID authentication. Link
- miiCard demoing how it takes existing banking relationship to validate your identity; done in 5 to 10 minutes; then can share.
- Mootwin launching one-stop-shop for mobile financial needs; demoing iPad app. Link
- Mootwin showing streaming video on tablet; can communicate directly with financial adviser within UI; working with Cortal Consors.
- Actiance showing dashboard for publishing to social media networks. Link
- Actiance demoing dashboard in Socialite Engage that shows engagement with users; has tools to track overall program across company.
- Fiserv is showing Mobiliti M-Cash service in use by ANZ; demoing mobile payment to non-ANZ customer. Link
- Fiserv demoing M-Cash white label mobile payment service; entire process takes about 30 seconds; now showing online m-payment.
- Aimia & Cardlytics launching transaction-based marketing platform; Aimia is investor in Cardlytics. Link
- Cardlytics demoing their in-statement-offer UI within a live PNC Bank account; highlighting Burger King 20% cash-back offer.
- Cardlytics demoing merchant dashboard; real-time results of spend of customers in entire category with offers vs those without.
- Liqpay, with 1.5 mil customers, launching http://Zip.liqpay.com, payment detail shortener for SMS and email Link
- Liqpay "payment detail shortner" is similar to bit.ly for URLs; showing how it works at Privatbank; increases accuracy and safety.
- DCisions launching InvestorBee to take guesswork out of investing with understandable risk vs. return info. Link
- InvestorBee will make investing benchmarks available free to consumers; believe simple facts will disrupt investing.
- ValidSoft demoing secure m-banking with out-of-band four-factor authentication and transaction. Link
- ValidSoft demoing voice-based authentication to confirm trans; system calls mobile number and customer answers to confirm... nice!
- Dynamics showing battery-powered card that is "first mobile wallet that works everywhere plastic accepted." Link
- Dynamics showing how to press a button on card to get a disposable number to use online; or request rewards points be used at POS.
- Dynamics launching today Chip & Choice for Europe, allows multi-app card to be used with single-app software infrastructure.
Session 3
- eToro, with 2 million users; launching Guru Finder crowdsourcing to find traders to follow and copy. Link
- eToro demoing trader profiles and community communications; also launching iPad app.
- Serverside Group launching a Facebook app for banks to provide tangible value. Link
- Serverside Group app allows customers to upload images from FB to create their own customized credit/debt card; can increase usage.
- When finished using Serverside app, users can post their cards in FB update; bank could run design competition to "like" cards.
- Tradeshift demoing how businesses can manage cash flow; launching "instant payments" options. Link
- Tradeshift showing dashboard controls; onboard process for suppliers and instant payment process; available to entire supply chain.
- Finsphere, which recently partnered with Vodafone, uses mobile phone location to assist with authentication. Link
- Finsphere demoing its "risk score" for each transaction; online banking login process; and consumer Pinpoint service.
- Launching Handpoint Headstart, mobile Chip & PIN payment solution. Link
- Handpoint demoing payments on mobile phone, table and mobile POS device; also showing Square-like mobile reader option.
- Wipro Technologies launching tablet-based customer acquisition system. Link
- Wipro showing interface that sales adviser would use with prospects to explain products and compare options.
- Wipro app allows adviser to take a screen cap and email the page to the customer >Very cool way to follow-up on initial discussion.
- Luup launching travel management system for businesses and governments. Link
- Luup demoing employee registration; using mobile to create trip itinerary and request approval from manager.
- Meniga, PFM provider, is launching "Peace of mind banking." Link
- Meniga UI has forward looking cash position, like Simple's "safe to spend" balance; showing "emergency fund" balance tracking.
- Meniga working to move PFM from a "tab" to the most used part of online banking.
Session 4
- Striata is launching eConsent "PUSH email billing" with NO registration process. Link
- Striata demoing process: 1st email is Yes/NO overlay on shaded-out bill. No username or password; use a secret, for example: mobile number and birthday.
- Striata showing interactive bill, "mini-website" right in the inbox.
- Sandstone Technology showing modern-looking user interface on iPhone built on HTML5. Link
- Sandstone Technology showing on multiple phones; demoing how user can personalize app with own picture; change display views.
- Kabbage launching ScoreKard today, a quantitative view of health of client's online store. Link
- Kabbage has now loaned $10 million to small online sellers on eBay and elsewhere; showing integration with Etsy.
- Kabbage showing "social climbing" system where Kabbage analyzes client's social media activity to help in underwriting.
- AcceptEmail showing MOBILE electronic bill presentment & payment, its "Short Invoice Service." Link
- AcceptEmail allows content of sent email to be changed while in client's inbox, eg. after bill paid, status can be changed.
- Figlo's widget-based platform helps advisers communicate to clients via Facebook. Link
- Figlo showing integration of online banking with long-range planning; showing table version.
- Ixaris launching Opn Cardworks, "card system in a box", allows issuer to fully customize. Link
- Ixaris can get Visa approval for new card within 6 weeks; demoing Ixaris "app store" for building programs.
- IND Group launching new gamified banking interface " online banking goes from boring to fun" Link.
- IND iGroup demoing UI which includes points area, achievements, badges (which unlock more rewards); shows totals over time.
- That's a wrap folks. 35 Finovate demos and no one went over time limit! What a day, see you in the networking hall.
 Then, DCisions showed how InvestorBee helps users make better investment decisions: "For the first time, InvestorBee puts data at consumers' fingertips so they can make smart, confident investments.
- It's fact, not opinion. Users can tap into the database to learn from the experiences of over a million UK investors.
- It's an investment health check. Users can compare themselves to their peers to set realistic saving targets and investment goals.
- It's simple investing without guesswork. Users can choose an objective risk-based strategy that's right for them in a few easy steps.
Our users extract wisdom from the crowd to make better, simpler investment decisions - all for free at InvestorBee."
Product Launched: November 2011
HQ Location: London, UK Company Founded: 2005
Presenting Graham Mannion (Managing Director & Founder) & Maya Kuzalti (Information Director)
 Right now, over three dozen leading fintech companies, both hot young startups and established players, are gearing up to demo their latest innovations at the second annual FinovateEurope next February 7th in London. To whet your appetite, we asked each handpicked company to provide a sneak peek of what it will be demoing on stage. Below is the first installment. We'll have another installment next week.
Don't miss your chance to see fast-paced demos of the newest ideas from each company and meet the execs responsible for the cutting-edge of innovation in financial and banking technology. Plus get your FinovateEurope ticket before December 23rd and you'll lock in the early-bird price!
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 AcceptEmail will launch a revolutionary way of billing and collecting. The inventor of billing and payment via email will introduce AcceptSMS, the world's first Short Invoice Service.
With this technology, AcceptEmail users will be able to send payment requests to a smartphone or PDA via SMS, WhatsApp Messenger or social media in an easy and clever way. Improve your customers' payment behavior by offering multi-channel and customer friendly payment methods.
Innovation type: Communications, mobile and tablet UI, payments
 Find out more about a solution that Raymond James has already adopted to give its investment advisors authenticity on social networks. It also generated a $1 million prospect for another wealth management firm after just 96 tweets.
Actiance will also demonstrate how you can measure and analyse your network growth to accurately plot your social graph.
Innovation type: Communications, marketing, security
 Brokertainment combines the fun and thrill of stock market trading with a reduced risk due to extremely low minimum investments (1 euro) and ultra-short term durations of derivatives (around 5 minutes).
Brokertainment will present a new product called STOCKBATTLE.
Innovation type: Investing and asset management
 Business Centric Services Group (BCSG) will present an exciting new credit management tool to the SME market, which will break down the traditional barriers of cost, complexity and awareness.
BCSG has identified a customer need for this product through research, which highlighted that over half of small businesses never run credit checks on new customers, and just under half do not monitor their existing customers and suppliers.
Its innovative tool allows complex information to be delivered in a simple and usable format, ensuring the best possible end-user experience.
Innovation type: Banking products, online UI, small business
 Almost all banking today is being done in digital space. Why not communicate with computers in a natural way, as we do in the real world?
Imagine a financial application that recognizes your face, congratulates you, analyzes your voice to identify you, and navigates you in online banking. You choose what is most convenient for you at that time: using your voice, gestures, keyboard, or a mix of all the approaches. You are smiling.
Motion and speech belong to the game world or laboratory geeks-- not to online banking solutions that refer to a serious, unshakable, respectable realm. ETRONIKA wants to challenge this point of view by introducing a new UX approach to financial online services.
Innovation type: Banking, identity, online UI
InvestorBee puts data at consumers' fingertips so they can make smart, confident investments.
- It's fact, not opinion. Users can tap into the database to learn from the experiences of over a million UK investors.
- It's an investment health check. Users can compare themselves to their peers to set realistic saving targets and investment goals.
- It's simple investing without guesswork. In a few easy steps, users can choose an objective risk-based strategy that's right for them.
InvestorBee users extract wisdom from the crowd to make better, simpler investment decisions.
Innovation type: Investing and asset management, PFM
 Fiserv will demonstrate its next generation mobile P2P, small business and eCommerce merchant payments. As an international provider of digital banking and payment solutions, Fiserv delivers market-proven capabilities with innovations in both the mobile and online channels.
Innovation type: Mobile and tablet UI, online UI, payments
 IND Group gamified its white-label Internet Banking and Personal Finance Manager. It added these methods to its new Banking-Front Office. The solution is based on the fact that customers love to do almost anything if they are rewarded for it.
With the two-level point system, banks can give points for things like function use, transactions, and product or service purchases. Customers can collect points and badges for dedicated actions. The system is closely connected with Facebook, where users can post their results and badges. With its strong visualization features and real rewards, the gamified IND Internet Banking and Personal Finance Manager creates a compelling, engaging user experience.
Innovation type: Online UI, PFM, rewards
 Luup will launch a mobile payment service for corporations and governments that is set to bring them cost-savings, efficiency and productivity gains. The service solves one of the biggest daily challenges that organisations face worldwide.
Through an interactive live demo from various mobile devices, Luup will showcase how the new service is a fast, convenient and secure way to optimise processes. Attendees will experience how Luup solutions are unique in being universally deployable, bank-grade, live and proven-- as well as scalable and easily managed.
Innovation type: Mobile and tablet UI, payments
 miiCard, My Internet Identity, is the first service that allows a consumer to prove their identity to the AML/KYC standard purely online.
Through miiCard, a vendor can identify an individual to a level of assurance that supports real-time online sales of regulated financial products, and replaces the need for a 'wet signature' reducing operational costs and increasing conversions.
miiCard creates trust, protects consumers and fights against fraud. It helps realize the full potential of the digital economy by enabling higher value online business.
Innovation type: Identity, payments, sales and customer service
 Sandstone will be showcasing its next generation mobile banking app that contains sophisticated money management/ OFM tools, the latest anti-fraud and security measures, and user experience capabilities that enable financial institutions to better engage with their customers.
Using the latest HTML5 technology, the app can be developed once and then delivered seamlessly across all smart phone app stores to run on any smart phone mobile device. The registration process for the app locks the user to the device while the page-fingerprinting technology ensures that fraudulent users will not be able to connect to the secure server.
Innovation type: Banking, PFM, security
 Service2Media and Rabobank will introduce mobile payments via a banking app for all webshops. Customers of Rabobank that have installed the Rabobank Mobile Banking app can now pay for their mobile purchases as easily as their online purchases by using a mobile version of the online payment method IDEAL.
The new mobile IDEAL payment is facilitated by starting the Rabobank Banking app on an iPhone once a payment request is issued on the merchant's mobile site. The user then authorizes the transaction in the app with his account number and access code before being redirected to the merchant's mobile site. Mobile banking is now possible without an e-reader as long as the balancing account is known.
Innovation type: Banking, mobile and tablet UI, payments
 Securing M-Banking
The advancement of technology is making our lives easier. Mobile banking, or m-banking, is here and with 800,000,000 smartphones already in circulation globally, it is going to grow. But how do we make m-banking safe and practical to use? You can't hold your smartphone in one hand and your bank secure key in the other when walking down the street - that's not "making our lives easier".
A much simpler solution is using out-of-band, real-time, multi-factor authentication and transaction verification. ValidSoft will demonstrate how its products can do just that.
Innovation type: Identity, payments, security
 One of the primary tools direct sales agents need is a tablet variant of the unified desktop. Wipro has developed a customer acquisition framework on a tablet-based device, which is a step in this direction.
CAMS on Tablet leverages mobile, analytics and intelligent processes for on-the-go personalized offers and application capture. The solution is also relevant in next generation bank branches where a differentiated environment is created for HNI customers.
Innovation type: Mobile and tablet UI, PFM, sales
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