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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.
 Last up this session, Experian showed off its BusinessIQ Express tool for business owners:
"BusinessIQ Express is an online tool that enables business owners and principals to quickly and easily make smart, informed decisions:
- Evaluate prospects, customers, suppliers, and partners on their likelihood to pay or deliver on time
- Monitor businesses with alerts and notifications to maintain positive relationships
- Collect outstanding debts and avoid future losses
- View and contribute community business ratings and comments
- Learn from tutorial videos, tool tips, and support
All these features utilize the most comprehensive and trusted financial information on U.S. small businesses -- all in one complete, simple package for one compelling price."
Product Launched: May 2012
HQ Location: Costa Mesa, CA Company Founded: 1897
Introducing Adam Fingersh (Senior VP, Business Info Services) and Mary Ann Strout (Senior Manager, Product Management)
 - Scotsman.com recommends using Zopa as a way to earn a better return on investments.
- Experian announces Financial Stability Risk score.
- 123Kinect profiles ETRONIKA. Come see the technology live at FinovateEurope on February 7.
- Symantec features Q2ebanking in its podcast.
- Monitise signs 5 year partnership agreement with FIS.
- Tradeshift signs deal with French government.
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.
Each month we survey the Web-traffic performance of Finovate alums using data from Web-analytics company Compete.
Out of 268 alumni, 80 had more than 10,000 unique U.S. visitors in September 2011 and are included in the tables below. Of those, 33 (41%) had more visitors in September than August. Year-over-year, 42 (52%) had traffic increases.
Private Companies
- Seeking Alpha and Cortera had the highest traffic in September with 2.1 and 2.0 million unique visitors, respectively. Cortera also had the highest increase in number of unique year-over-year visits with over 1.5 more visits in 2011 than in 2010.
- Kabbage had the highest percentage growth year-over-year, up 280x.
- Weemba saw the highest monthly growth percentage with more than 7.5 times the number of unique visitors in September compared to August.
- SmartCredit.com had the highest increase in number of unique year-over-year visitors, growing by 126,000.
 Source: Compete.com retrieved the week of October 26, 2011
1) The previous month recorded was August 2011 2) Sears Credit Score is powered by CreditKarma.com 3) Truaxis was formerly BillShrink 4) Kasasa is powered by BancVue
Public companies
- CheckFree had the highest percentage growth year-over-year, with over 7 times the number of visitors this year than last year.
- Intuit had a notable increase in number of unique, year-over-year visitors, increasing by 300,000 visits.
- Check Point had the highest month-over-month percent growth, with 41% more visitors in September than in August.
 Source: Compete.com retrieved the week of October 26, 2011
1) The previous month recorded was July 2011. _______________________________________________________ Notes: 1. We reviewed 268 Finovate alumni. Only those with at least 10,000 unique visitors in July are listed. 3. NM = not measurable 4. t= tie 5. Compete estimates online visitors based on the activity of a panel of more than 2 million U.S. Internet users. It is only an estimate of traffic and may undercount at-work usage.
Each month we survey the Web-traffic performance of Finovate alums using data from Web-analytics company Compete.
Out of 268 alumni, 75 had more than 10,000 unique U.S. visitors in August 2011 and are included in the tables below. Of those, 41 (55%) had more visitors in August than July. Year-over-year, 45 (60%) had traffic increases.
Private Companies
- Seeking Alpha -- the most-trafficked in August with 2.5 million unique visitors -- also had the highest increase in number of unique month-over-month visits with 300,000 more visits in August than in July.
- Budgettracker.com saw the highest monthly growth percentage with more than 6.5 times the number of unique visitors in August compared to July.
- Betterment had the highest percentage growth year-over-year, up 88x.
- Cortera had the highest number of unique year-over-year visitors, growing by 1.5 million.
Source: Compete.com retrieved week of October 3, 2011 1) The previous month recorded was July 2011
Public Companies - Fiserv had the highest month-over-month percent growth, with 50% more visitors.
- CheckFree had the highest percentage growth year-over-year, with over 5 times the number of visitors.
- S1 also had a high percentage growth year-over-year, doubling its visitors.
Source: Compete.com retrieved the week of October 3, 2011 1) The previous month recorded was July 2011. _______________________________________________________ Notes: 1. We reviewed 268 Finovate alumni. Only those with at least 10,000 unique visitors in July are listed. 3. NM = Not measurable 4. t= Tie 5. Compete estimates online visitors based on the activity of a panel of more than 2 million U.S. Internet users. It is only an estimate of traffic and may undercount at-work usage.
 The FinTech 100, a list of the top revenue-grossing fintech firms, was announced Wednesday at BAI Retail Delivery.
Nine Finovate alumni made the cut, including BancVue, debuting at number 95. Pictured to the right are James Ladas and Gabe Krarcek from BancVue.
Here are the Finovate alumni, listed according to rank:
2011 Rank: 1 2010 Rank: 3
2011 Rank: 10 2010 Rank: 11
2011 Rank: 18 2010 Rank: 18
2011 Rank: 19 2010 Rank: 20
2011 Rank: 24 2010 Rank: 15
2011 Rank: 34 2010 Rank: 34
2011 Rank: 62 2010 Rank: 76
2011 Rank: 95 2010 Rank: NR
Session Speakers - Tuesday, Global Game-Changer Session
Speaker: Jim Taschetta from FreeMonee
- Wednesday, Technology for Business Summit
Speaker: Mitch Jacobs from On Deck Capital
- Wednesday, Technology for Business Summit Session
Speaker: David Eads from Kony Solutions
- Thursday, Technology for Business Summit Session
Speaker: Eric Connors from Yodlee
- Thursday, Marketing & Product Management Summit Session
Speaker: Rod Witmond from Cardlytics
Exhibitors BAI Mobile Link Mobile Link Panel Discussions Solutions Theatre Jim Bruene and I (julie@netbanker.com) will be in attendance and will update the blog and Twitter with new developments throughout the event.
 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!
This afternoon, Experian demonstrated myID.com, a tool that helps you protect your identity:
"A part of Experian, it monitors all facets of your identity, including personal privacy, financial information, your reputation and your safety. myID.com quickly alerts you to risks to your identity so you can take action and minimize the potential for damage. Unlike most identity theft software, myID.com helps you manage your entire identity, on social networks, on people page sites and offline through our financial monitoring system.
myID.com helps consumers stay private and safe, and prevents identity theft by continuously scanning for personal information on public websites and databases. myID.com also provides real-time alerts if your private information becomes public, and investigates possible situations where your identity has been stolen. With myID.com, you can rest assured that your privacy, safety, finances and reputation are secure."
Product Launched: 2011
HQ Location: Irvine, CA Company Founded: 1999 Product Being Demoed: myid.com
Presenting Hue Rhodes (VP Business Development) & Conor Swanson (Business Analyst Expert for myID)
Each month we survey the Web-traffic performance of Finovate alums using data from Web-analytics company Compete.
Out of 255 alumni, 59 (23%) had more than 10,000 unique U.S. visitors in July 2011 (see tables below). Of those, 19 (32%) had more visitors than in the previous month and 25 (42%) were flat. Year-over-year, 26 (44%) had an increase, 10 (17%) were flat, and 23 (39%) were down.
Private Companies Notable successes: - Seeking Alpha had the most traffic in July with more than 2 million unique visitors.
- eToro saw the highest monthly growth percentage with 3 times the number of unique visitors in July compared to June.
- Bundle had the highest increase in number of unique month-over-month visits, with 450,000 more visitors in July than in June.
- eRollover had the highest percent year-over-year traffic increase, with 260,000 more visitors from last July.
Source: Compete.com retrieved week of August 15, 2011 1. The previous month recorded was May 2011 2. Sears Credit Score is powered by CreditKarma.com 3. Kasasa is powered by BancVue
Public Companies Notable successes: - PayPal had the highest number of U.S. visitors in July, with more than 30 million visitors.
- Jack Henry & Associates saw the highest monthly growth with twice as many visitors in July than June.
- Wipro Technologies had the highest year-over-year growth, with 3 times as many visitors this year compared to last year.
- FIS Global and Online Resources also doubled their traffic compared to last year.
Source: Compete.com retrieved the week of August 15, 2011 1. The previous month recorded was May 2011. _______________________________________________________ Notes: 1. We reviewed 255 Finovate alumni. Only those with at least 10,000 unique visitors in July are listed. 3. NM = Not measurable 4. Compete estimates online visitors based on the activity of a panel of more than 2 million U.S. Internet users. It is only an estimate of traffic and may undercount at-work usage.
Each month we survey the Web-traffic performance of our alums, using data from Web-analytics company Compete to review the sites they operate. Out of 255 alumni, 62 (24%) had more than 10,000 unique U.S. visitors in May 2011 (see tables below). Of the 62 reviewed, 25 (40%) had fewer visitors than in the previous month and 28 (45%) saw a decline year-over-year. Private Companies
The 44 private companies are as follows: Notable successes: - Cortera saw the highest number of unique U.S. visitors in May, with almost 2 million hits.
- HelloWallet experienced the greatest month-over-month growth, with more than four times as many visitors.
- Betterment saw its traffic increase an impressive 38 times from May of last year.
Private Finovate Alumni With More Than 10,000 Unique Visitors in May 2011 
Source: Compete.com retrieved June 29, 2011
Public Companies
The 18 public companies are as follows: Notable successes: - PayPal experienced the highest number of U.S. visitors in May, with over 32 million visitors.
- TransUnion Interactive saw the highest month-over-month growth with more than two times the number of visitors in May than in April.
- Sybase 365 experienced the highest year-over-year growth, with its traffic up almost 80% from last year.
Public Finovate Alumni With More Than 10,000 Unique Visitors in May 2011
 Source: Compete.com retrieved June 29, 2011 _____________________________________________________________________________ Notes: 1. We reviewed 255 unique sites. Data was unavailable or irrelevant for 201 sites because: - They had been acquired.
- They were no longer available online.
- They were not covered by Compete for various reasons (including some that were not U.S. domestic companies).
- The number of unique visits was too small to be considered accurate.
- They were subdomains of larger websites.
2. Numbers have been rounded to three significant digits. 3. The charts include companies that did not have measurable traffic in May 2011, indicated by "N/A." 4. Compete draws its information from the online activity of a panel of more than 2 million U.S. Internet users. It is only an estimate of traffic, and may undercount at-work usage.
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