Our third FinovateEurope wrapped up a few hours ago. At the end of each of the two jam-packed days, the London audience voted for their favorite three demos. The top eight overall were named Best of Show (see notes).

The winners (in alphabetic order):

• Credit-Agricole for its app store where it is wooing outside developers
• ETRONIKA for its BANKTRON e-channel management platform
• mBank with Efigence for their Facebook & social platform 
• Meniga for its PFM platform, including "buy" vs "not buy" feature
• Moven (Movenbank) for the worldwide launch of its mobile-optimized bank
• Pockets United for its group purchasing mobile solution
• SumUp for its mobile point-of-sale system
• Virtual Piggy for its kids' payment system with parental controls

We'll have videos of all 64 demos posted at Finovate.com within a few weeks.

Congratulations to the presenters for our first Finovate with zero demo fails (sure their where a few glitches here and there). And thanks to everyone who attended, tweeted, networked, blogged, and set up an enormous number of post-show meetings. You are pushing fintech forward, and consumers everywhere will benefit.

----------

Notes on methodology:  
1. Only audience members NOT associated with demoing companies were eligible to vote. Finovate employees did not vote.     
2. Attendees were encouraged to note their favorites during each day. At the end of the last demo, they chose their three favorites.    
3. The exact written instructions given to attendees: "Please rate (the companies) on the basis of demo quality and potential impact of the innovation demoed."  
4. The eight companies appearing on the highest percentage of submitted ballots were named Best of Show.  
5. Go here for a list of previous Best of Show winners.

"Virtual Piggy is the first e-commerce solution that enables kids to manage and spend money within a parent-controlled environment. 

The technology delivers online security platforms designed for the under-18 age group in the global online market, and also enables online businesses the ability to function in a manner consistent with the Children's Online Privacy Protection Act (COPPA) and similar international children's privacy laws. Virtual Piggy enables the U-18 audience to play, transact and socialize in a secure online environment guided by parental permission, oversight and control."

"Banking Assistant is a smart banker in your pocket. It runs on mobile phones and tablets, and can understand commands and questions in natural language, written or spoken.

The app allows a bank's customer to access intelligent information, launch transactions and receive useful advice in the most intuitive and effective way.

Banks can easily integrate the underlying engine in their existing apps and systems.

Banking Assistant is part of Finantix Sharp, a multi-channel platform for digital banking that introduces a fresh and engaging approach to customer interactions."

"mBank is the 1st established European bank to undergo a comprehensive, mass-scale, Bank 3.0" revolution of its direct channels including modern UI/UX of transactional banking, PFM, video banking, transactional/real time marketing, social channels, gamification and mobile banking."

"SmartBank TV is a product that offers financial services based on the Google TV platform. It is intended to use the global widespread of sales in smart TVs. 

The solution offers a channel for bank customers to access financial services from their TV. The solution offers a different way to receive notifications from their financial provider on the TV, and to access financial services, such as account balance, movements, credit cards and services payments from the TV. It provides a new sales channel for the financial institution with easy process of sale."

"We have a product that protects mobile applications from unauthorized changes and subversion of the existing code. In effect, by using our solution, the financial institution has control over what the application does if it is compromised. It can quit, display a message, send a silent security alert to bank servers or any other behavior the developer cares to define. 

Critically, for financial institutions that have a lot of mobile developments underway, it can be integrated with existing developments at the end of the software development lifecycle, and it is an automatic process not requiring significant developer time or security expertise."

"Money Mobility Suite is the focal point of building a comprehensive mobile front-end for any financial service.

Suite integrates to any financial services 

system such as core banking systems, payment processing systems, or a stored value account system and provides fully secure communication between the system and the Money Mobility applications in the handsets.

Suite provides fast time to market to deliver mobilization for various types of financial services. Most importantly, it provides remote management and configuration capabilities for all the applications through a single configuration management center and enables the financial service provider to instantly add or change features available for the users of the different financial services products."

"The best traders. Now on your account. The idea is temptingly simple: Why should we make trades ourselves if we can get the best day traders on our accounts automatically?

Doing away with fees such as issue surcharges, transaction costs, and management and deposit commission? Build your own portfolio of top traders and change them as often as you like - for free."

"Tereon was developed for, and proven at scale by, an African bank. 

Tereon is a complete payment ecosystem that can use EMV, operate a closed loop, or support interoperability. It provides flexible instruction processing, and can use existing core systems and settlement processes, for a secure, end-to-end, business process.

It provides payment service providers with a powerful toolkit for rapid innovation to create stream-of-payment services.

All Tereon services meet stringent standards for regulatory compliance and security. We will demonstrate a four-party deployment, supporting payments from phone to phone, phone to card terminal, card to terminal and online."

"eyeOpen launches world's first digital mortgage advisor. In an age when banks and insurers strive for consumers' trust, digital leadership and true customer centricity are the weapons of this service. 

The personal advice algorithms are 'the crème de la crème' of personal mortgage advice. eyeOpen offers its service as a SaaS-solution to banks, insurers and advisor companies in Europe and the United States. The benefit: extreme cost reductions, smarter targeting and incredible NPS-improvements."

"TraitWareID simplifies and secures access to protected websites and applications by employing the user's mobile device as a login token, eliminating the use of inconvenient and problematic usernames and passwords.

TraitWareID does this with patent-pending technology, which begins with user authentication, then binds the user's identity to their device. TraitWareID utilizes digital identity mapping to analyze the user-created content of the authentication device.

Adding the patent-pending, user friendly, PhotoAuth image-based activation method to TraitWareID will enhance the security and user experience for transactions of all types on an end user's device."

"Biletu is an all-in-one, state-of-the-art app to join together events, chat, gamification, mobile payments, and social networks in a simple way. Biletu is a new, simple way to allow users to connect and for companies to engage innovatively with targeted users."

"QuantConnect gives engineers free access to a stock market backtester with high-resolution data for designing trading algorithms. Engineers can design strategies and have them distributed to working capital.'

'We are demonstrating our cloud-powered backtester, capable of simulating years of stock data in minutes. Users can design strategies in C# IDE, compile them online, and run them across 14 years of tick data (up to 8 TB data)."

"Akamai is a leading cloud platform for helping enterprises provide secure, high-performing user experiences on any device, platform, anywhere.

At the core of the company's solutions is the Akamai Intelligent Platform, providing extensive reach, coupled with unmatched reliability, security, visibility, and expertise.

Akamai removes the complexities of connecting the increasingly mobile world, supporting 24/7 consumer demand, and enabling enterprises to securely leverage the cloud."

"Financial Simplicity offers a highly efficient capability to manage large numbers of individually tailored investment portfolios (in the thousands or tens of thousands). It will ensure that clients can offer highly customized propositions to their customers, while maintaining a high degree of centralized control over access, data, and business work flows.

Using systematically programmed processing and advanced algorithmic engines, Financial Simplicity negates the need for many time-intensive workflows and workarounds to manage data effectively. Financial Simplicity's innovations have enhanced significantly the efficiency with which relevant portfolios can be delivered to investors."

"Looop is a unique, big data technology platform that brings together card payment and merchant data in real time to create value from every single transaction.

It provides transactional payment data analytics, insights, integrated and intelligent mCoupons, eReceipts and campaign management and tracking. All delivered through a smart phone app and cloud-based solution, to ensure rapid and secure global deployment across multiple jurisdictions."

"Holvi connects retail customers and providers of banking and payments products in a seamless ecosystem. Holvi partners have created current accounts, among other uses, for election candidates to run their campaigns (Kokoomus, largest political party in Finland), entrepreneurship education (local chapter of Junior Achievement), and crowdfunding for cultural projects (Mesenaatti.me). 

Holvi online banking service is easy to tailor for specific verticals, by partners or the customers themselves. For providers of banking and payments products Holvi offers access to the long tail of retail customers."

"BankFiling loan origination solution enables financial institutions to increase lending to business banking customers, while reducing risk."

"With CurrencyFair's new mobile app, it's easy to make exchanges on the go, at the exact moment you choose. There will be a host of new features, such as the ability to set a rate alert when, for example, the rate available on CurrencyFair is better than the current market mid (interbank) rate."

"To buy or Not to buy is a white-label module for mobile banking applications, that uses PFM functionality to empower and influence consumers at the point of sale or when considering buying something. 

It allows users to check if they can afford what they are about to purchase or see how much closer to their savings goals they would get if they save the money and use it to feed their goal instead.

One unique aspect of this innovation is allowing users to leverage their social networks and direct messages to crowd-source the decision and instantly collect feedback before making the purchase. This fun and simple feature uses gamification to engage users and their network of friends."

"By placing the customers at the center, we have reshaped the traditional idea of PFM to meet the end-users' everyday needs. 

Instead of functions and features we have developed stories that are real life situations, emerging in different stages of our lives and having financial impact, such as "Expecting a baby", "Prepare for a rainy day", "Buy a home", "How to spend less" or "Retirement planning." This entirely new approach in digital financial customer service takes online banking and financial management to the next level, offering mass retail financial planning and advice."

Dynamics' intelligent powered payment cards include a fully card-programmable magnetic stripe that can be re-written with each transaction to reduce fraud. Using Dynamics' backend system, users can select from a list of rewards, to tailor their own experience.

"We will be showcasing the power of integrated international payments for businesses. Accounting solutions are ubiquitous in business, yet the break in the workflow when having to make international payments to suppliers is inefficient, time consuming and prone to operational risk. 

Using The Currency Cloud's XBP Connect API, the first truly effective applications that enable international payments to be managed directly from Sage and Salesforce.com are being launched at FinovateEurope 2013. The applications enable a business to initiate and manage their international payments just as they would their payments to domestic suppliers - directly from their ledger. Paying international suppliers becomes significantly easier and lower in cost and the business accounting function drastically more productive."

"Dashlane will demo its core technology: a cross-platform (desktop and mobile) consumer application that enables keyboard-less transactions on any site - no integration required. 

In addition to being the 'point of payment choice' for our users, Dashlane offers financial services and ecommerce partners a privileged seat by the user during all their online transactions. We're developing many new features to make online transactions incredibly easy and frictionless for our users."

"Mobiliti from Fiserv is the world's most deployed mobile banking and payments platform. The Mobiliti Master Wallet enables consumers to choose which mobile payment wallets they wish to participate in and how. It retains the financial institution and its mobile banking app at the centre of the user experience for cloud-based and NFC mobile payments."

"The world's first Singing Bank! (singingbank.com) demonstrates three principles of the OBP API:

1) It encourages innovation (niche markets, interfaces, languages. etc.)

2) It supports public views on transaction data whilst preserving sensitive information

3) It results in lower barriers to entry, better security and lower cost

The OBP Transparency/Social Finance application is for organisations that want to practice wider transparency and/or generate a real time dialogue around their finances.

The OBP App Store allows vendors to showcase and consumers to find and rank apps.

The OBP Virtual Machine allows CTO's to easily evaluate our technology."

This post is a part of our live coverage of FinovateEurope 2013.

Starting off day two here at FinovateEurope is Xendpay. The COO and CEO are coming to the stage right now:

"Xendpay itself is very new. However, we will be demonstrating a new service: a cash-to-cash mobile international payment. The user will send a money transfer without a payment card or bank account using just their mobile phone from a corner shop.

Previously to do this kind of payment, the person would have to visit a Western Union (or similar) agent.

Xendpay can also send a conventional card-to-bank payment, as well."