"Snap to Tag brings together real-world receipts with digital experiences. It enables consumers to take a photo of a merchant receipt within their mobile banking application, extracting key data elements and automatically attaching the image and its data to transaction details within mobile and online banking transaction listings. Consumers can then review the image if they have any queries at some point in the future. It addresses specific use cases like having receipts for expense management and / or product warranties.

Snap to Tag will be a feature within our Mobiliti application - our market leading mobile banking and payment platform."

• Alliance Data teams up with Locaid to provide opt-in geofence pilot program for branded cards.

• Blippy launches Tophatter iPhone app.

• Currensee announces Trade Leaders Investment Program.

• Leaf announces Quick Serve POS solution for restaurants. See Leaf in action at FinovateSpring in May.

• Credit Sesame reports growth figures.

• Banno creates 15 responsive design websites in Q1 2013.

• HelloWallet hires 6, bringing total number of employees to 40.

• LG now offers the convenience of purchasing via PayPal on their 2013 line of Smart TVs.

• American Banker reports Fiserv updates its Unified Wealth Management platform.

• Money Marketing features Rplan, Nutmeg, and LoveMoney as startups that appeal to the under-30 crowd.

• Dropbox offers single sign on through partnership with Ping Identity.

• CMO.com interviews Yandex CEO Bernard Lukey is the director of sales and business development.

• GigaOM reports PayPal offers 2 new extensions for Magneto merchants.

• The Economist takes a look at the bitcoin boom, including alternatives like OpenCoin. See OpenCoin demo Ripple at FinovateSpring in May.

• FamZoo and Transcard roll out family banking. Come see FamZoo demo it live at FinovateSpring.

• Sigma Phi Lambda Sorority selects Billhighway for enterprise payment solution.

• Linkable Networks partners with Lyfepoints, enabling users to apply savings to utility payments.

• Business news Daily reports: Dashlane Makes Remembering Passwords a Breeze.

• Bank Systems & Technology reports PayPal partners with Chilean payment network Multicaja.

• HeathWallace & Backbase partner to implement Backbase Bank 2.0 Portal throughout Middle East.

• The Examiner recommends BillGuard to identify fraudulent credit card charges.

• Payments Journal reports Fiserv Launches Remote Deposit Capture Product.

• TechCrunch looks at Yandex's use of gesture-based interfaces to power apps.

• PVAngels features TrustEgg. Join TrustEgg in San Francisco in May for FinovateSpring.

• BrightScope is collecting fee data from advisory firms, report expected by fall 2013.

• MC Helper looks at EyeVerify and the future of internet security. See EyeVerify in action at FinovateSpring.

• Nomis Solutions unveils their latest pricing management software tool, the Nomis Discretion Manager.

• Thomson Reuters announces launch of insurance compliance solution, Accelus.

• InvestorIdeas takes a look at TipRanks. Join TipRanks in San Francisco for FinovateSpring in May.

• TransferWise to provide $100,000 in free international money transfers to 1,000 start-ups.

• Lake Trust Credit Union to be the first CU to deploy MasterCard's MasterPass digital wallet.

• Kalixa Group launches a trio of mobile payment products: Pro, Pay, and Accept.

• Investors Business Daily interviews Barry Silbert, SecondMarket CEO, who says the stock market is broken.

• Xero opening new LA office for Southern California team.

• Bank Innovation reports: Fiserv Tops 1 Million Mobile Deposit Capture Users, 7 Million Mobile Users.

• Radio New Zealand reports: Xero to launch fully into U.S. market in July.

• Candace Klein, SoMoLend CEO, discusses the hardship that the SEC's delay of the JOBS Act has caused.

• Dwolla updates Magneto extension.

• Yodlee receives 2013 Honorable Mention in Industry Partner category for the Barlow Research Associates' Monarch Innovation Awards.

• Virtual Piggy integrates with Oracle ATG Web Commerce, expands reach of network to more than 390,000 brands.

• Mitek's Mobile Deposit solution receives top award for Overall Most Innovative from Barlow Research Associates.

• Management Today interviews Zopa CEO, Giles Andrews.

• TechCrunch looks at Realty Mogul and its recent win at the Founder Showcase pitch competition. See them in action at FinovateSpring in May.

• GreenDot and UniRush launch reloadable prepaid Visa card. Join GreenDot for FinovateSpring in San Francisco.

• Allied Payment Network bill payment technology integrates with CSPI's Aurora online banking platform.

• Zooz announces partnership with ChronoPay. Join Zooz in San Francisco for FinovateSpring in May.

• Identity Theft 911 CEO to lead discussion on social media and insurer risk at upcoming NAMIC seminar.

• Roadtrip Nation interviews Dan Reed of Bazaarvoice.

• Money Street Smart reviews TradeKing.

• Hard Assets Alliance features an interview with Gold Bullion International CEO Steven Feldman.

• Newfination interviews Taavet Hinrikus of TransferWise.

• Engine talks about rewarding risk-takers with GoodApril founder Benny Joseph.

• Atlanta Business Chronicle takes a look inside the TSYS/NetSpend merger.

• TradeHero reaches $5 billion in virtual currency traded over 350,000 trades in the first three months.

• Washington Trust Bank to deploy Jack Henry & Associates' SilverLake System core processing platform.

• The Options Insider interviews TradeKing CEO Don Montanaro.

• Newfination interviews Jake Holloway of Xendpay.

• Leading U.S. healthcare insurer invested more than $250k to implement a Kofax-based solution. See Kofax demo at FinovateSpring.

• Bill.com announces it enables more than 175k businesses to pay and get paid.

• Fargo bank adds Fiserv mobile banking, payment tools.

• The Motley Fool evaluates FutureAdvisor.

• Dwolla site back up after DDoS attack.

• Family Mint blog features planwise.

• BBC Easy launches C & I Loan Management Software for businesses looking to save time on cumbersome BBCs. Check out BBC's demo at FinovateSpring.

• VentureBeat features TIBCO.

• Keynote DeviceAnywhere platform now integrated with Worksoft Certif.

• AH Capital raises more than $100,000 using Realty Mogul's real estate crowd funding platform. Join Realty Mogul in San Francisco this May at FinovateSpring.

• Acculynk to provide UnionPay International UPOP authentication service via PaySecure.

• GMC  Software Technology's GMC Inspire now available as a complete solution with Xerox devices.

• Klarna AB wins SEK 150 million contract with EVRY.

• Finextra reports East River FCU & Ishpeming Community FCU to integrate Geezeo's PFM product.

• International Business News reports Aditi Technologies and TIBCO Software announce strategic alliance to bolster enterprise social and e-commerce solutions.

• Lend Academy reports: Lending Club adds monthly income and loan ID filters.

• American Banker reports: Harleysville Savings chooses Q2ebanking's online banking platform.

• TIO Networks surpasses 1 million transactions across all TIO Wallet members.

• BankersLab launches Collections Edition of its Bank-it mobile game.

• Bell State Bank deploys Fiserv's mobile banking system.

• Banking Technology looks at Kiboo's participation in London's fintech Innovation Lab.

• Wilson Bank & Trust introduces MoneyDesktop to members.

• TIBCO Software acquires Maporama Solutions.

• P2P lending comes to real estate courtesy of Realty Mogul.

• Small Business Computing takes a look at Flint's pursuit of "highly mobile small businesses."

• Retail Touch Points features Jingit and a conversation on the importance of in-store marketing ROI.

• Bank Crerdit News talks compliance with Fenergo CEO Marc Murphy.

• TransferWise featured in HuffPost Students United Kingdom.

• EZBOB investor John Garfield profiled in The Telegraph.

• Money.co.uk compares money transfers through Azimo.

• Fiserv partners with Romania-based Eutron Invest to provide Cash and Logistics solution portfolio to the Romanian market.

• Forbes looks at the "best of the best" debt crowdfunders including Lending Club, Prosper, Zopa, SoMoLend, Rebirth Financial.

• SecureKey announced availability of its cloud-based briidge.net identity and authentication platform.

• ID Analytics introduces fraud detection solutions for online retailers.

• The Globe and Mail lists Expensify as 1 of 5 apps that take the bumps out of business travel.

• Petter Made, co-founder and COO of SumUp, talks about the advantages of Dublin as a base for business.

• Credit Union Times reports: Fiserv launches SpotPay.

• Finextra reports G&D and PayPal team on pre-paid mobile top-ups in Brazil.

• Practical eCommerce takes a look at Klarna Invoice for OSC programs.

• CSI's globalVCard wins top entrepreneurial prize at 2013 Innovation Project.

• Newfination interviews CurrencyFair's Brett Meyers.

• Prosper announces new API for lenders.

• American Banker reports: Union Bank signs up for Fiserv's Bill Pay.

• Bolstr featured on MSNBC's Your Business.

• Backbase gives a glimpse of the Digital Marketing Module it showed at FinovateEurope.

• Triple Pundit looks at how the SEC is holding SoMoLend and other debt/equity crowdfunding platforms hostage.

• USA Today considers Lending Club's success.

• CIO lists Expensify as 1 of 3 apps to help at tax time.

• BellaDati releases updates to its platform.

• Credit Karma launches app for Android.

• Med Gadget interviews Diversinet CEO, Dr. Hon Pak.

• Finextra reports Geezeo signs 1st United Services Credit Union.

• CashStar announces availability of tablet gifting.

• Android, iOS updates now provide card-to-card payments with Pageonce.

• Dough Roller blog names PocketSmith one of the best calendar-based personal finance apps.

• Continuity Control to partner with cbanc Network to provide regulatory briefing via RegAdvisor.

• Koolspan and DeviceFidelity team up to build TrustSleeve, bringing microSD-based voice encryption to the iPhone.

• Locaid and Life360 join forces to help parents stay in touch with their kids.

• The Financial Brand highlights 50 of the most spectacular website designs in banking: Simple (formerly BankSimple), Standard Chartered, Mint, & Moven. See Netbanker's take on the list here.

• Rescuecom highlights TransferWise as low cost, currency conversion option.

• Acculynk's Payzur brings person-to-person payments to consumers on PULSE debit/ATM network.

• Compass Plus helps Russian-based FI SwitchMaster reach processing benchmark.

• ekmPowershop announces partnership with EZBOB.

• American Banker reports: Planwise to Participate in Yodlee's Incubator Program.

• BillHighway hires new CFO.

• Arroweye Solutions reports 40% growth due to 175% uptick in open loop card production, added 27 new clients in 2012.

• Fuze Network now guarantees no late fees.

• Bill.com to provide Frantopia with accounting services.

• Prosper unveils new protection for lenders.

• The Next Web reports: Tradeshift adds support for accounting services Sage and Kashflow, helping businesses get paid.

• Forbes considers how SoMoLend provides capital to small businesses.

• VentureBeat reports SecondMarket is partnering with CircleUp to allow investors to invest in up-and-coming consumer product businesses.

• Thomaston Savings Bank selects Q2ebanking's full suite of ebanking solutions.

• HiddenLevers launches portfolio stress testing app to help advisors generate leads.

• Fiserv awarded Best-in-Class rating in 2012 Anti-Money Laundering Technology Review.

• Gifting app Wrapp selects Braintree to power payments.

• Social Commerce Today features Azimo.

• FIS launches new P2P platform.

• Pageonce adds person-to-person payment functionality to mobile app.

"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."

• Temenos wins praise as "top advisor solution" from Aite Group.  Come see their demo at FinovateEurope in February!

• Spredfast announces Bazaarvoice integration.

• Pageonce reaches $1 million mark in daily mobile bill payments processed.

• A look at TradeKing after the merger.

• ACI Worldwide's Money Transfer System helps FIs with Dodd-Frank compliance.

• EZBOB forms partnership with ChannelGrabber.  Watch EZBOB in action at FinovateEurope!

• Monitise and CGI Logica form mobile FS alliance to target European retail banks.

• Tradeshift partners with Intuit to bring its social invoicing platform to more than 5m QuickBooks users.

• American Banker reports: Fiserv extends relationship with BofA. Come to FinovateEurope in London to see its live demo.

• CNBC talks with Alexa Von Tobel, LearnVest CEO.

• Bill.com and Expensify announce product integration.

• GrowthBusiness profiles Holvi. Comes see Holvi's new tech at FinovateEurope next month.

• Fast Company reports you can now pay taxes in Iowa using Dwolla.

• SimpleTuition reports 2012 success metrics for SmarterBucks program.

• DemystData a finalist in AWS Global Startup Challenge. 

• Cortera rated higher than competitors in perceived value according to industry survey.

• Al Rajhi Bank launches online banking platform built with Backbase Portal. Come see Backbase at FinovateEurope Feb. 12 & 13.

• Brian Madden touts Metaforic's app immune system.

• TechCrunch reports: SigFig Crosses $50 Billion In Assets Managed Through The Platform.

• Bloomberg reports: Fiserv Buys Open Solutions to Grow Financial Services. Come to FinovateEurope to see Fiserv's live demo.

• Zapsibcombank launches loyalty program with technology from Compass Plus.

• Locaid adds Cricket Wireless devices to platform.

• Promo Codes 2013 features the top six promotions at TradeKing.

• Visa in India deploys TSYS technologies to assist in account holder authentication.

• Bazaarvoice featured in Salon.com.

• iOSnoops reviews TradeHero Mobile.

• Netbanker considers how Prosper, Zopa, and Lending Club have disrupted lending.

• American Banker reports on NICE Systems' launch of voice authentication technology. Watch its live demo at FinovateEurope Feb. 12 and 13.

• P2P Lending News: Zopa CEO talks to BBC Radio.

• BostInno talks with ImpulseSave CEO on how it can help with all kinds of New Year's resolutions.

• Equifax partners with DocuSign for easy e-sign and submission of Transcript of Tax Return form.

• Fiserv enhances TradeFlow, its post-trade processing solution. Come to FinovateEurope in London to see the live demo of its new technology.

• ZDNet looks at how miiCard is solving identity verification headaches.

• Digital Journal reports on EZBOB's battle with Amazon in the small business financing space.  See them at FinovateEurope in February.

• Leadfusion collaborates with McCulluy Design Lab to get a new look.

• Happy birthday, TSYS!  Company celebrates 30th anniversary on Friday.

• Bremer Bank to implement Fiserv's mobile banking and payment technology.

• Boeing Helicopters Credit Union moves to Andera's oFlows for online account opening.

• SaveUp launches a no spend challenge: a financial detox.

• Pageonce featured in Gentle9.com's Top 10 Apps of the week.

• Jwaala helps Michigan First Credit Union improve remote deposit capture services.

• PCMag reviews Kashoo.

• The Swedish Wire lists Klarna as one of Sweden's more popular employers among young professionals. 

• Nomis Solutions announces Global Pricing Forum in April.

• Monitise appoints Brad Petzer as new CFO, Executive Director.

• Alior Bank to deploy Comarch Smart Finance.

• AllAfrica.com interviews CR2 CEO, Martin Dolan about Nigeria's Cashless Lagos Project.

• Compare Broker reviews the new mobile app from TradeKing.

• MyBankTracker reviews how BillGuard protects from unwanted charges.

• San Francisco Business Times reports: Giftly lets givers put 'heart' into gift cards.

• Capital Access Network relocates Headquarters to NYC, adds Scott Blum as CMO.

• Fiserv partners with TOPS Software to improve payment processing for property managers.

• The Washington Post looks at SoMoLend's community-focused lending.

• Forbes names Lending Club one of the top five fintech companies of 2012.

• Chicago donut chain "Glazed and Infused" now using ShopKeep POS software.

• Wired.co.uk names Holvi startup of the week.

• Credit Sesame unveils free credit monitoring service.

• Fiserv launches mobile app for UChoose Rewards.

• Paypal is now a payment option for Office Depot online shoppers.

• Affinity Solutions brings "Big Data" capability to card-linked offers.

• StockTwits launches a new app for HootSuite.

• Business Insider looks at Expensify's team building trip overseas.

• HelloWallet launches financial wellness workforce assessment for employers.

• Des Moines Register considers Giftly's remote gift card giving app.

• American Banker reports Lawrence Summers, formerly one of President Obama's top economic advisors, joins Lending Club's board of directors.

• Tyfone is expanding into Latin America through a deal with Protege Sistemas of Brazil.

• Gesa Credit Union chooses Andera's oFlows platform.

• Reuters recommends visiting Betterment, Personal Capital, and LearnVest for year-end money advice.

• BellaDati now runs on Amazon Cloud.

• Bill.com launches new application platform powered by open APIs for third-party developers to integrate native apps with Bill.com's software.

• New miiCard DirectID Check allows SMBs & professionals to perform bank-level ID proofing online.

• Mitek to power US Bank's mobile photo bill pay; launching early 2013.

• Fiserv reaches milestone, delivers 2 billionth e-bill.

• The Financial Brand looks at Knab's online bank that runs on Figlo's platform.

• The city of Cincinnati partners with SoMoLend to support small businesses.

• Forbes ranks Keynote Systems "one of the best 100 companies in America."

"Mobiliti from Fiserv is the world's most deployed mobile banking and payments platform. Mobiliti Reach aims to make financial services simultaneously available to banked and unbanked consumers alike in emerging and fast-growing markets. It includes a comprehensive payments engine to enable person-to-person payments, bill presentment and payments, and top up and merchant payments."

Last week, I attended BAI Retail Delivery in Washington D.C. where over 200 exhibitors lined the trade show floor of the Walter E. Washington Convention Center.

There were 31 Finovate alums on the expo floor, and even more in attendance. My schedule was packed, but I was able to catch up with a handful of Finovate alums.

Here's what I learned.

The card-linked offers company is in the middle of a successful mobile deployment effort with BofA, PNC, Regions, and a few other unnamed FIs. After launching their respective rewards programs on mobile, the FIs have seen an increase in user engagement and an increase in the number of online banking visits per user.

It is also working on International expansion. So far the top 3 European card issuers have signed.

BofA's BankAmeriDeals on tablet interface

BofA's BankAmeriDeals on iPhone mobile app

Equifax

The consumer credit reporting agency recently launched its Insight Score for Retail Banking, a solution that will help FIs generate a risk score for underbanked individuals with no credit data or history. It does this by using non-FI-related payment data from companies like Telco and other TV and cable providers.

Fiserv

The fintech provider showed me its SpotPay payment dongle and back-end solution. It appears to be Fiserv's response to Square that it will co-brand with FIs. Fiserv is able to on-board FIs with SpotPay in a couple of days, so it is a quick way for FIs to get into the payments game. 

While there is an $8.95 per month fee, it is competitively priced, charging only a 1.99% fee on a swipe, and a 3.19% fee on card-not-present transactions.

Fiserv's SpotPay dongle being used on an iPhone

Guardian Analytics

Because volume and sophistication of fraud has grown, Guardian Analytics started bank-sourcing (think crowdsourcing) fraud by bringing multiple institutions together to collaborate on the types of fraud they're seeing so the whole industry will be better at fighting it. Tiffany Riley, Guardian Analytics' VP of marketing tells me they've received positive feedback so far.

mFoundry

Mobile banking solutions company, mFoundry launched its Fin.X platform. This platform can be thought of as a type of app store for FIs to select which products/services they want to include in their mobile app. 

At BAI, mFoundry announced partnerships with Blackhawk Network, Dwolla, and Micronotes 

to white-label their solutions within the Fin.X platform.

An example of what the Fin.X app platform could look like on a tablet

MoneyDesktop

The PFM won CUNA Tech Council's Best of Show Award at BAI. This counts as its 5th Best of Show award.

MoneyDesktop team with BAI President & CEO, Deborah Bianucci

Monitise

After the mobile money solutions company acquired Clairmail 3 months ago, Monitise now has 17 million active users. It is in trials of an NFC solution with a few banks. The solution uses a sticker as opposed to a chip inside of the actual device.

Q2ebanking

The electronic banking solutions provider launched Q2clarity, a tablet-optimized dashboard that provides customizable analytics and visibility to how customers are using an FI's mobile and online platform. Providing these metrics to a branch manager, gives them the ability to make more informed decisions about which products and services to offer.

These eight companies are just a fraction of what I saw at BAI this year. For more information on who attended the trade show, visit here.

"Fiserv understands that convenience and supporting user preference are keys to increased adoption and usage of digital payments. Our innovation seamlessly blends a variety of information input modes in our mobile banking application, Mobiliti Enterprise. 

Using our applications, users can choose from traditional keypad and screen touch interaction, image capture and OCR, or voice-driven commands and inputs to make payments. And a key feature is that users can effortlessly switch modes at any time, whenever they want - even in the middle of a transaction."

We've selected over 60 leading innovators to take the stage for the sixth annual FinovateFall conference in New York on September 12 and 13.

Each company provided a sneak peek of what they'll demo 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 FinovateFall ticket here.

CommunityLend

CommunityLend's product, Financeit, enables businesses to offer installment loans to their customers at the point of sale. Since launching in January of 2011, they have signed up over 1,200 merchant partners and processed over $130MM in loans. The key verticals are vehicle, home improvement, retail and health.

CommunityLend has raised over $9MM in financing since launch and is now pursuing a U.S. expansion strategy. Lending capital comes from banks and other institutional investors.

Innovation type: Lending, payments

DigitalMailer

Can "The Cloud" be trusted to store important files? Are safe deposit boxes still practical in the age of electronic documents? Is there a way to ensure "Total Information Privacy" for the customer? My Virtual StrongBox is the online answer to safe deposit boxes. Customers store electronic copies of important documents in this easy-to-use filing system AND retain ownership of their documents. Files are managed by, and only visible to, the customer. Financial institutions using My Virtual StrongBox add one more sticky product to their list of benefits and keep customers around for years to come. Learn more at myvirtualstrongbox.com.

Innovation type: Banking products, PFM, small business

Experian 

Optimize your online marketing and improve your acquisitions strategies with Experian's Premium Prequalification, a powerful credit-screening tool that allows institutions to proactively utilize individual credit data online in real time to:

• Empower and educate consumers with a snapshot of their credit health
• Save consumers time and money by instantly providing them with their most viable options at the very start of their shopping experience 

This best-in-class process also offers Prequalification Triggers, notifying consumers of recent changes to their credit while offering relevant products, and Credit Comparables, which compares individual credit to the average in their area. Redefine your acquisitions strategies today with Experian's Premium Prequalification

Innovation type: Cards, lending, sales

Fiserv

Fiserv understands that convenience and supporting user preference are keys to increased adoption and usage of digital payments. Our innovation seamlessly blends a variety of information input modes in our mobile banking application, Mobiliti Enterprise. 

Using our applications, users can choose from traditional keypad and screen touch interaction, image capture and OCR, or voice-driven commands and inputs to make payments. And a key feature is that users can effortlessly switch modes at any time, whenever they want - even in the middle of a transaction.

Innovation type: Banking products, mobile, payments

ImpulseSave

In a world optimized to get us to spend more at every turn, ImpulseSave has made saving your money just as easy and instantly gratifying as spending it. Our simple web and mobile tools incent consumers to turn every point of sale into a "Point of Saving", as well as every point in between. 

ImpulseSavers are saving close to $4,000 per year on average. While others argue that greater discipline and better budgets are the answer, ImpulseSave represents the exact opposite approach. Instead of trying to change consumer behavior, encouraging more self-denial, we've actually transformed saving itself to leverage that very behavior, making saving as impulsive, fun, even addictive as is spending.

Innovation type: Communications, marketing, PFM

Locaid

Ready, Set, Locate! See how one easy-to-use API can locate any customer or cardholder mobile phone for authentication or mobile marketing. No apps to download, it works on feature phones, smart phones or on any carrier. Mobile phone network location can be a low cost, high quality, unspoofable authentication factor for mobile payment and credit card identity. 

See Locaid's live location demo that can be easily integrated into any CRM system, mobile marketing, web services or anti-fraud applications. With a mobile device number and permission, you can locate 350 million devices via our location privacy platform.

Innovation type: Identity, marketing, mobile

Luminous

See how financial institutions can save millions by implementing BankFiling, a first-of-its kind innovation that delivers significant ROI yet requires limited investment. A whole new approach to commercial and business banking! Prepare yourself!

Innovation type: Banking products, lending, small business

PaySimple

The fear of not getting paid and concern over finding new clients is keeping small business owners up at night. PaySimple is launching a "get paid faster while you grow your business" addition to its PaySimple Pro receivables automation solution. The innovation automates pricing to ensure the small business is paid on time and also fosters social engagement as a natural extension of the payments process.

Innovation type: Online UI, payments, small business

PayTap

Times are tough. The kids are in college. You're caring for aging parents. You're underemployed. You have bills. Bills that are due. But your family and friends want to help. Because that's what family and friends do. If only there was a way for them to provide this financial help quickly. Conveniently. Securely. Online. Without the hassle of sending cash and checks, or the high cost of wire transfer services. Meet PayTap.

Innovation type: Communications, payments, PFM

Personal Capital

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, iPad and iPhone apps present all of your financial data in one place, showing you exactly what you own and what you owe, in real time. 

At Finovate Fall, Personal Capital will unveil new features that enable even greater transparency into your money for the long-term: your retirement. Do you know how much your 401(k) costs?

Innovation type: Investing, online UI, PFM

Pindrop Security

Pindrop Security's technology is being used by banks to identify fraud callers and to prevent fraud transactions. In the Fall of 2012, we'll introduce our latest solution for financial institutions that rely on the phone for transactions. Join us for the debut at FinovateFall 2012!

Innovation type: Identity, security

Prepaid Resources

Prepaid Resources introduces BenefitsDirect 'Direct Deposit Management'.

Capture recurring Federal benefits, State benefits and Payroll deposits through your accountholder website, in-branch, at retail, by mobile app or via live agent. Track enrollment success and measure direct deposit activity to proactively personalize accountholder relationships.

Innovation type: Banking products, cards

ShopKeep

ShopKeep solves the last mile in local. It enables vertical partners from delivery, payments, loyalty, and deals to connect directly to SMBs. A revolutionary iPad based SaaS product, ShopKeep's POS system makes traditional cash register products obsolete. 

For $2/day merchants receive a high end operating system and can manage their store even when they are not inside it. Made in NYC, ShopKeep now has over 2,500 customers. It provides merchants flexibility to choose their credit card processor and offers unheard of customer support and economics. ShopKeep POS is the simplest way for retailers to make smarter business decisions.

Innovation type: Payments, sales, small business

Stockr

Stockr is a finance portal for the social web. For most people, investing is more social than scientific, and investment ideas come from close friends, trusted advisors and various periodicals. 

Stockr embraces this social element of investing, creating powerful connections among those who have actionable information and those who are seeking it. While other portals compete on content, our view is that content becomes most relevant and actionable when it's shared and discussed.

Innovation type: Investing & asset management, PFM

The Currency Cloud 

Everyone has come to expect innovative, reliable and low cost local currency payment services, yet we continue to live with expensive and unreliable international payments. Over $37 trillion in foreign currency payments are sent or received each year. The international payment services offered by the major banks are far from satisfactory. The Currency Cloud evolves the international payments process - we make currencies simple.

Innovation type: Back office, payments, small business

Tuition.io

With Tuition.io, student loan borrowers can easily access all their loans in one visually appealing dashboard, use graphical visualization tools to compare them and get customized optimization plans that take advantage of little-known and hard-to-understand restructuring options.

Innovation type: Banking products, lending, PFM