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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
 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, edo Interactive demonstrated GeoCommerce and showed how its card-linked offers use geolocation:
"Following FinovateSpring 2011 where edo unveiled the world's first ever real-time redemption of a card-linked offer, we're returning in 2012 to take the next step forward in our vision to transform shopping and saving.
The innovation we'll demo - the ability for a purchase at one merchant to trigger the awarding of an offer to a second, nearby merchant in real-time - shifts the focus of mobile advertising from "check-in" to "check-out." Introducing GeoCommerce by edo, the next wave of innovation in the card-linked offers space."
Product Launched: May 2012
HQ Location: Nashville, TN Company Founded: 2007 Metrics: $35M raised to date ($20M Series B raised in August 2011), 50 employees, live with more than 140 financial institution partners
Introducing Alex Gershman (SVP of Product Development) and Thomas Bernstein (Director of Product Development)
 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.
 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.
- Steven Kietz, former Mobile Money Ventures CEO, joins EDO Interactive as GM & EVP of Strategic Partnerships.
- CNNMoney discusses how Simple can provide a no hassle bank account.
- Melrose Mutual Insurance Company, Grinnell Mutual, & ID Theft 911 partner to remind shoppers to safeguard identities.
- Forbes names Dwolla's Ben Milne to '30 Under 30' list for finance.
- BizReport interviews Xero to discover how the cloud is helping small businesses.
- Fox Business News recommends visiting Credit Sesame and Credit Karma to check your credit score.
- INOVA FCU depicts its success from using Mortgagebot's PowerSite.
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, Nashville-based edo Interactive was presented with two awards from the Direct Marketing Association (DMA) for its Prewards Performance Marketing Platform:
- Early Stage winner
- Innovation Award winner in the Real Time and Trigger Marketing category
The purpose of the DMA awards is to recognize the innovative advances being made in marketing technology.
Bobber Interactive  Tech Flash interviewed Eric Eastman, Bobber Interactive's CEO, on how the gamification of money management aims to help Generation Y better manage their money. Link
BrightScope BrightScope released a report detailing the top 12 small-cap funds in America's 401k plans. This report is part of a series that provides insight into the top funds and managers in the retirement marketplace. Link
ChargeSmart Discover is offering an instant rebate to customers who pay their utility bills using a Discover Card on ChargeSmart's website. Link
Check Point Software Technologies - Check Point enhanced its Software Blade Architecture by releasing R75.20, a comprehensive approach to security that includes a URL filtering Software Blade, SSL inspection, and data loss prevention. Link
- The Wall Street Journal discussed Check Point's ZoneAlarm SocialGuard that helps parents protect children on Facebook in a non-intrusive manner. Link
Clairmail Clairmail announced record growth this quarter, with more than a 60% increase in bookings from last quarter. Link
Clovr Media  - BostInnovation stated that Clovr Media is changing the way consumers collect loyalty rewards through its Card-Linked Ads that allow consumers to access rewards by clicking on an advertisement. Link
- Mass High Tech's weekly Startup Watch listed Clovr Media as one of five startups to follow. Link
Credit.com EQuicknews listed Credit.com as a free way to check your credit score with no strings attached and highlighed the Credit Report Card feature. Link
doxo The Appvita blog profiled doxo, noting insider tips and practical uses, such as comparing bills on a month-to-month basis. Link
Dwolla Bank Technology News looked at the players in the mobile payments space and listed Dwolla as a formidable competitor. Link
EDO Interactive  EDO Interactive received $20 million in Series B funding to grow its Prewards platform that enables advertisers to offer digital deals and incentives that consumers redeem by using their existing credit, debit, or prepaid cards. Link
eToro eToro began a trading contest for users with both demo and live trading accounts. Traders who accumulate the greatest gains will win each round. Link
eWise eWise added Renasant Bank to its customer base, providing Renasant customers access to Secure Vault Payments, an alternative payment method. Link
Expensify - Expensify added a new feature that provides QuickBooks users a way to easily identify billable expenses to add to invoices. Link
- The Kitsap Peninsula Business Journal listed Expensify as one of ten business apps for empowering your inner geek. Link
Kony Solutions  Tower Group, in its Review of North American Consumer Mobile Banking Technology Vendors, ranked Kony Solutions among the top mobile banking technology vendors. Kony excelled in the feature/function and customization categories. Link
Lending Club TechCrunch highlighted Lending Club's announcement of $25 million in Series D financing from Union Square Ventures and other existing investors. Link
Lendio Lendio added Cardinal Bank to its network of lenders providing clients with more options in finding equipment loans, business lines of credit, acquisition financing, commercial real estate, SBA 7(a) and SBA 504 loans. Link
Mitek Systems Mitek Systems launched Mobile Imaging Cloud Service that captures, extracts, and routes information contained in documents. The service helps app developers create smartphone and tablet apps that use a camera input function. Link
Monitise Monitise Asia Pacific launched its mobile banking, payments, and commerce services in Indonesia and signed a joint venture agreement with PT Astra Graphia Information Technology, an information and communication business. Link
On Deck Capital  On Deck Capital raised $19 million of its own in a Series C round of funding. Link
RobotDough RobotDough founder, Wilton Risenhoover, revealed why he started RobotDough and how it works. Link
SafetyPay SafetyPay received a Payment Services Directive License to provide cross-border payments throughout Europe strengthening its position in that market. Link
SecondMarket BostInnovation used SecondMarket's alternative investments platform to discover top Boston companies. Link
Striata  Baton Rouge Water Company selected Striata, along with payment services company Western Union, to provide email billing with integrated electronic payment service. Link
The Receivables Exchange Treasury & Risk profiled The Receivables Exchange, describing the process companies use to sell their receivables on the online platform. Link
TradeKing TradeKing launched a $100 bonus for new customers who open an account by August 31, 2011. Link
Wonga Smarta interviewed Wonga director, John Moorwood, about Wonga's growth over the past 12 months. Wonga is now issuing over 1.5 million short-term loans. Link
Xero Xero released Xero Touch, its new accounting app for the iPad, iPhone, and iPod Touch. Link
Aptys Solutions
Aptys Solutions signed with Banker's Bank, a top check depositor with the Federal Reserve Link
Backbase
Backbase to host webinar on how to use social media in financial services Link
Betterment  - Betterment announced a growth of over $10M under management and over 4000 customers in first year Link
- Betterment celebrated its first birthday Link
Bill.com
Bill.com is working to improve its mobile offering for small and midsized businesses Link
Boku
Mobile Entertainment explained how Boku will revolutionize pay-by-mobile for digital goods Link
Capital Access Network
CNBC explained how Capital Access Network solves the need to use financial creativity Link
Credit Karma
WiseBread Blog interviewed Credit Karma CEO Link
doxo  - doxo's first fan video was posted online Link
- Oregon employees were the first to give its members doxo's online file cabinet Link
- TechFlash highlighted the benefits of using doxo to achieve paperless business Link
- 2Minute Finance interviewed doxo at FinovateSpring Link
Dwolla
- Dwolla was listed by inc Tech as one of three startups you must know from Big Omaha Link
- Credit Union Times listed Dwolla as a new P2P service rivaling 'bank giants' Link
edo Interactive
MyBankTracker interviewed edo Interactive COO about its Prewards service Link
Expensify
Slate explained how Expensify will help the 'frequent flier' Link 
Kabbage
Technorati described how Kabbage works with eBay Link
Lending Club
- Mint.com's blog covered what you need to know about Lending Club Link
- San Francisco Business Times commented on Lending Club's strong backing from both investors and lenders Link
- San Francisco Times reported that Lending Club stated it is not planning to go public for several years Link
LendingKarma
Entrepreneur featured LendingKarma as a good tool to use when borrowing money from family or friends Link
Lendio
San Francisco Chronicle reported that Lendio offers funding opportunities for new grads Link
Lodo Software
Lodo Software was described as a startup providing jobs in the "Silicon Prairie" region, a.k.a. Omaha Link 
Monitise
Monitise released a report predicting that the majority of consumers will use mobile money services within the next three years Link
Mortgagebot
Mortgagebot reached 1000 clients, one of its goals from the beginning Link
PayDivvy
2MinuteFinanced interviewed PayDivvy about its services Link 
PayNearMe
BillShrink examined PayNearMe's cash payment service Link
peerTransfer
Mass High Tech interviewed Iker Marcaide from peerTransfer about becoming an entrepreneur Link 
ProfitStars
ProfitStars announced a new version of Margin Maximizer that's now available as a hosted solution Link Robot Dough
2MiniuteFinance toured RobotDough's demo during interview at Finovate Spring Link
SecondMarket
- Wall Street Journal stated that SecondMarket helped fuel the tech boom Link
- CNBC interviewed SecondMarket for an explanation of the change in trading numbers Link and Link
Smarty Pig
Smarty Pig launched new sharing features, including activity sharing and goal sharing Link Striata
Striata will host a June 2 webinar for implementing successful ebilling strategies Link
ThreatMetrix
San Francisco Chronicle covered ThreatMetrix's research around mobile transaction activity Link
TILE Financial
TILE Financial released a Financial Identity Profile to strengthen the connection between advisors and under-30 consumers Link 
TradeKing
TradeKing divulged the lineup of its free webinars in June Link
Tyfone
Tyfone won 2010 Asia Pacific Smart Card Association Award for its NFC innovation and implementation Link
Wikinvest
Dow Jones Advisor highlighted Wikinvest as a way to analyze portfolios Link
Wonga
- Wonga won 2011 Red Herring Top 100 Europe Award for exceptional accomplishments Link
- Wonga won the Media Momentum Awards, a coveted award for digital media companies in Europe Link
- Wonga's Errol Damelin discussed consumer-centric credit Link
Xero  - Diversity Limited commented on Xero's move to the US markets Link
- Xero and Keebo teamed up to help you manage and process receipts Link
- New Zealand Herald commented on Xero's surging revenue Link
Zecco
- The Wall Street Journal reviewed Zecco's new Facebook app Link
- Zecco launched an app for stock trades & viewing realtime market data on Facebook Link
Zopa
Zopa shows how it helps consumers protect against inflation Link
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