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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.
 Then, Linkable Networks showed how its SKU card-linked capability works with its new mobile apps:
"Linkable Networks is demoing our completely new, industry first patent-pending SKU (individual product) card-linked offer capability to the Finovate audience. We will highlight the capability through our new mobile applications, which enable any type of restaurant, service provider, retailer, or brand to capitalize on card linked offers in a mobile environment.
Additionally, savvy shoppers are empowered to access digital coupons at their fingertips, linking them to their existing credit or debit cards. Our solution leverages a combination of the payment card rails, strategic third party data, and merchant and manufacturer relationships which allows our ad network partners to distribute both merchant and SKU level offers to any consumer in any medium. Both of these differentiating factors translate to a much larger funnel of available and relevant offers as well as an increased reach and frequency of consumer engagement."
Product Launched: May 2012
HQ Location: Boston, MA Company Founded: September 2010 Metrics: Currently, Linkable Networks has 25 employees and has raised $11.8 million from several key investors including Bain Capital Ventures, Citi Ventures, Kepha Partners, and Common Angels.
Introducing Tom Burgess (Co-Founder and CEO) and Doug Spear (Co-Founder and Executive Vice President)
 Carahsoft Technology partners with Silver Tail Systems.
- ARM Insight & IP Commerce close the loop on real-time offer redemption.
- eToro updates its Android app with Social Cherry feature.
- MoneyGram joins ZipZap's U.S. payment center network.
- Loyalty 360 interviews Tom Burgess, CEO of Linkable Networks.
- Internet Initiative Japan launches Ping Identity's Cloud Federated Authentication Solution.
- Q2ebanking powers Penn Liberty Bank's Android mobile banking.
- On Deck announces the launch of Split Funding, a loan repayment method. See its live demo at FinovateSpring.
- UPS recommends Kabbage for small business financing.
- Forward Thinking explains how Mint's mobile model has completely changed Intuit.
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.
 More than 60 leading fintech innovators, both startups and established companies, are gearing up to present at the annual FinovateSpring conference in San Francisco May 8 and 9. Each company provided a sneak peek of what they'll demo on stage next month. Below is the first installment of these teasers. We'll have more next week. Don't miss your chance to see the live demo from each company and meet the execs responsible. Get your FinovateSpring ticket here. ____________________________________________________________________
Balance Street  The premier direct marketplace between consumers and creditors for the purpose of debt settlement, Balance Street, provides consumers the opportunity to relieve their debt burden without fees. Consumers use its web-based automated system to negotiate with creditors directly, avoiding debt settlement companies who charge exorbitant fees (up to 20% of total debt owed). Eliminating this 20% market inefficiency makes for a better financial outcome for consumers and creditors. With over $780 billion in credit card debt in the U.S., the Balance Street technology will revolutionize the way debt is settled. Innovation type: Cards, marketing, PFM
Bazaarvoice  See how leading brands are harnessing the power of online word-of-mouth to boost customer referrals, sales, retention, advocacy, and company innovation while building the world's most powerful social data asset. Innovation type: Communications, marketing, sales and customer service
 BehavioSec No one wants a complicated process for logging in to online or mobile banking. European banks have been forced to go down this route with hardware tokens and smart cards. So now when U.S. banks will be rolling out new multi-layered security on the front-end following FFIEC, will we see the same thing here? With BehavioSec's solution there is a better choice. They add multilayered security through the use of behavioral biometrics. So when the user connects via mobile or online, the technology helps verify that they are who they say they are. Learn more at FinovateSpring 2012. Innovation type: Identity, mobile, security
 BillGuard BillGuard identifies deceptive, erroneous and unauthorized charges on consumer payment cards using advanced crowdsourcing and big-data mining techniques that harness the collective knowledge of millions of consumers reporting billing complaints online and to their banks. BillGuard's Advanced Card Protection Service for Banks is a seamlessly integrated, cloud-based solution that enables issuers to generate new value-add service revenue, and lower inquiry/dispute processing costs, by providing their customers daily bill monitoring and notification, enriched transition details and direct-to-merchant resolution.
Innovation type: Cards, communications, online UI
 CoverHound is changing the way people shop for insurance online. Launching at FinovateSpring, CoverHound's new rate comparison shopping service allows consumers for the first time to compare multiple, instant, accurate rates from top carriers. CoverHound will also be demonstrating an exciting array of products specifically designed to help banks and credit unions generate significant non-interest income while providing a valuable service to their members.
Innovation type: Insurance
 Never before has it been so easy for companies to provide business and retail customers with a way to validate creditworthiness through the use of online deposits. eDeposit provides patented funds visibility and real time settlement to markets across the U.S. in an innovative, new form of payment.
At FinovateSpring, eDeposit announces a new innovation that makes conducting B2B and B2C e-business faster, cheaper and safer.
Innovation type: Payments, security, small business
 From "check-in to check-out", intersecting the worlds of Payments and Advertising, edo takes the next step forward in its vision to transform shopping and saving.
This next wave connects mobile and multi-channel retail . . . imagine a world where purchase and location meet and the new standard for mobile advertising moves from "check-in" to "check-out."
Innovation type: Marketing, mobile, rewards
 Expensify <3's Finovate -- they view it as the premier stage on which to make their biggest announcement of the year. Three years ago, it launched an open beta on the Finovate stage. Two years ago, it unveiled a major realtime analytics feature. One year ago it launched a revolutionary SmartScan service. But this year will trump all that. A whole new approach to business travel. Prepare yourself!
Innovation type: Back office, mobile, small business
 Most investors have assets spread across financial institutions and accounts, including limited-option accounts such as their employer's 401(k) plan.
Managing this is a chore - including figuring out which funds, in which amounts, and rebalancing.
Well, it was a chore, before FutureAdvisor.
Innovation type: Investing and asset management, online, PFM
 Giftly is inventing the future of the gift card. Using its new iPhone app, users can send anyone a Giftly for any place they choose. The recipient redeems it on their smartphone when they go. It's fast, fun, and secure.
Giftly's app and web products have been designed to be social, simple, and powerful. Thanks to Facebook, Foursquare, and smart iOS integration, you'll always know which friends are celebrating birthdays, are checking in to cool new places, or are otherwise in need of a quick gift.
 Is it possible to separate the fun of buying from the nuisance of paying? Klarna thinks so. The idea behind Klarna's e-commerce services is the concept of after-delivery payment, letting buyers receive ordered goods before any payment is due. Instead of giving financial information, buyers shop with Klarna just by giving their name and select information (Klarna calculates the risk).
Innovation type: Payments
Linkable Networks will be debuting a first-to-market capability that significantly broadens the value proposition of card-linked offers to issuing banks, merchants, manufacturers, and cardholding consumers. In addition, Linkable Networks will demonstrate new features recently added to its product platform and user interface.
Innovation type: Cards, mobile, rewards
 MShift believes that financial institutions need to enhance existing mobile banking solutions into mobile wallet and payment solutions.
At Finovate, MShift will demonstrate how mobile banking can influence how a consumer spends money in various retail scenarios.
Innovation type: Banking, payments, small business
 Your customers go mobile with smartphones and tablets. When they cannot fulfill their needs in mobile self-service, do you jump in at the right time to help them complete their business? Do you want to maximize the opportunity for smart customer experience and increased business via smart mobile devices (while reducing costs)? NICE Mobile Reach can do that for you. Don't miss its demo at FinovateSpring.
Innovation type: Mobile, sales
 Personal Capital is wealth management for the Internet Age. The company's online platform combines digital technology with highly personalized service to provide a holistic view of your unique financial picture. The free online dashboard presents all of your financial data in one place, including an assessment of your allocation, investment risk and fees.
These days, the financial lives of Americans are becoming more and more complex. At FinovateSpring, Personal Capital will unveil core new features that enable you to access your financial data in real time, on-the-go. You'll be able to view and do, anywhere, anytime.
Innovation type: Investing, mobile, PFM
 Pindrop Security provides enterprise solutions that help prevent phone-based fraud. Pindrop's acoustical fingerprinting technology detects fraudulent calls and authenticates legitimate callers, helping customers eliminate financial losses and reduce operational costs. Pindrop's breakthrough technology is the first of its kind to fingerprint individual phone calls, providing verification of caller provenance.
Recently named one of the 10 Most Innovative Companies at the 2012 RSA conference, Pindrop's solutions help companies feel more confident in the security of phone-based financial transactions.
Innovation type: Identity, security
 Easily administer and coordinate your annual budget with Budget Manager from ProfitStars. ProfitStars takes the headaches, and the spreadsheets, out of the budgeting process and optimize the efficiency and effectiveness of budgeting and planning.
The company will show you how this newly redesigned browser-based version enables users to construct and manage a more efficient budgeting process, including how to tackle more difficult items like salaries and fixed assets.
Innovation type: Banking
 Discover a new Facebook app for banks that will not only make you relevant and engage Facebook users, but will also get your customers recommending and endorsing your card products. It drives great loyalty from existing customers and also helps to devise new customer acquisition --all through Facebook.
Serverside does this by letting people design their own credit or debit card using a picture from their Facebook gallery, then post it to their Facebook wall. Their friends then click on the card image to design their own card and help your bank to go viral!
Innovation type: cards
 Social Money can provide any bank in the world its own branded version of our revolutionary and award-winning SmartyPig technology. A new bank can be up and running on our system within 90 days in any language and currency, for a fraction of the cost of internal development efforts.
Innovation type: Banking products, PFM
 The dawn of compliance solutions that work.
Meet Molly. 115 different people use Molly's SSN. Financial institutions have no idea who these people really are.
This is possible because FIs and so-called identity protection companies can only verify identity. Verification is not enough. Full identification is needed to fight fraud and provide FIs the means to meet compliance requirements. Only Financial ICONN from TASCET can identify financial customers.
Once Molly activates her ICONN, TASCET proactively secures her identity and FIs know exactly who she is.
Innovation type: Identity, security
 Taulia takes the waste out of the supply chains of Fortune 500 Enterprises while simultaneously solving the cash-flow needs of their suppliers. The large enterprise buyers get discounts by paying their invoices early. In return, their suppliers get paid when they want. In Taulia's young life, it has already enabled small suppliers from 40+ countries around the world to receive hundreds of millions of dollars of early payments.
Innovation type: Lending, payments, small business
 The Under-18 audience has an estimated $50 billion in spending power. Learn how to successfully monetize the kids/teen market in this powerful demo by Virtual Piggy, an exciting new company that provides innovative technological solutions to help bridge the gap between children, parents and online retailers.
Innovation type: Payments
 Wall Street Survivor is the only place for the beginner to learn about investing. Guided missions, beginner-focused learning content, combined with the web's best stock simulator help users effectively manage their financial future.
Innovation type: Investing & asset management, marketing, PFM
 Mobile commerce is estimated to be a $31 billion industry by 2015, but how will the underbanked participate? Wipit has unlocked mobile payments for this massive and largely untapped consumer demographic representing 25% of all U.S. households and over 70 million U.S. prepaid wireless subscribers. Underbanked consumers can now make in-app and online payments with a single click. No need for bank accounts or credit cards; Wipit lets underbanked consumers use their payment method of choice-- cash.
Innovation type: Cards, payments
Stay tuned next week for another sneak peek of FinovateSpring 2012 presenting companies.
- Credit Karma is moving its headquarters to San Francisco's financial district.
- Linkable Networks is listed as 1 of 5 startups you should follow.
- Tablet PC review lists Wikinvest Portfolio as one of the best iPad apps for tracking Wall Street stocks.
- AOL Daily Finance names HelloWallet as 1 of 5 money-smart apps for business travelers.
- UNC's Kenan-Flagler Business School turns to Ping Identity to solve identity management complexity.
- Daily Herald looks at Credit Sesame.
- Kony Solutions appoints Harold Goldberg as CMO.
- The Bellingham Herald recommends using Expensify to organize your expenses for tax time. Come see the live demo at FinovateSpring next month in San Francisco.
- Scotsman covers UK P2P company, Zopa.
- CNN Money lists SecondMarket as 1 of 8 crowdfunding sites to watch.
This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.
 Earlier this week, card-linked offer startup Linkable Networks (formerly Clovr Media) launched a mobile app called MyLinkables and a social API. Tom Burgess, Linkable Networks CEO states: "The growing consumer desire for 'on-demand' mobile access to any online properties, the proliferation of  couponing and the mass appeal of sharing with friends told us it was time to bring even more convenience to shoppers with a MyLinkables app. With smartphone shopping on the rise, our new developer tools will allow mobile app developers to link enable any deal or ad, further proliferating card linked offers in the mobile world."
The app is available on both Android and iOS platforms. To learn more about Linkable Networks, watch its FinovateSpring 2011 demo.
 - Credit Union Times reports Geezeo signs Alabama Telco & San Francisco FCU, totals over 85 clients.
- P2P Money blog reports Zopa celebrates its 7th birthday.
- Finextra reports MoBank announces the launch of MoPowered mCommerce service.
- Detroit Free Press shows how BillGuard has helped people avoid unnecessary charges.
- SafetyPay selects ZipZap's CashPay solution as its preferred cash payment option.
- AppStorm shows off doxo.
- Finovate shares Best of Show winners from 2007 to present.
- Linkable Networks launches mobile app & API.
This post will be updated throughout the day as news and developments emerge. You
- American Banker describes how T8 Webware, Micronotes, and FreeMonee predicts what customers will buy.
- Seattle's King 5 News highlights Linkable Networks' digital coupons.
- TechCrunch reports Credit Karma enrolls 100,000 users for its credit monitoring service in one day.
- Business Insider recommends using BillGuard to prevent credit and debit card fraud.
- BetaBeat looks at what LearnVest is doing with its $19 million round of funding.
- TechCrunch reports John Donahue, Ebay CEO will serve as PayPal's interim president since PayPal President Scott Thompson left for Yahoo.
- ProfitStars reaches milestone of providing image & data conversions for 1,000 FIs over the past 5 years.
- Check Point Software Technologies works with Amazon Web Services secure the cloud.
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.
 Today, card-linked offer innovator Linkable Networks (formerly CLOVR Media) announced a partnership with mphoria, a mobile and social merchandising platform: "This agreement will transform retail deals available on the mobile web and via mobile apps into linkable offers."
The startup also announced that CardStar will be the first mobile app to feature its card-linked offer technology:
"Both partnerships mark the launch of the Linkables mobile API and the first mobile deployment for the card linked offer industry. Now any type of restaurant, service provider, retailer or brand may capitalize on card linked offers in a mobile environment."
The two developments bring Linkable Networks into the mobile environment and allow retailers and service providers to benefit from mobile card-linked offers.
- Fox News discusses how Prosper & Lending Club help small businesses.
- BizReport examines card-linked offers from Linkable Networks (formerly CLOVR Media).
- ReadWriteWeb's Richard MacManus lists Xero as #8 in his 2011 list of top 10 web products.
- Inc Magazine lists Expensify as 1 of 8 startups to watch in 2012.
- Ping Identity makes the top 10 list of most exciting IT security vendors. Come see Ping Identity's live demo at FinovateEurope.
- HelloWallet gives away 20,000 free subscriptions in 2011 to families in need.
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.
- San Francisco Chronicle discusses the 700 investors chasing after Dwolla.
- Fiserv signs Sunrise Community banks for prepaid services.
- Arizona Business Gazette lists using MyCyberTwin as 1 of 6 effective tools to boost your sales in 2012.
- Computerworld profiles Linkable Networks.
- TechCrunch reports founder of Mint.com spends his time inventing a vehicle transit system.
- StockTwits enables public companies to publish news on the Yahoo! Finance site.
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.
- FeeFighters shares its web traffic spikes from being in TechCrunch articles.
- Monitise launches mobile checkout service.
- Fox Business News mentions how Tyfone is helping to retrofit cellphones with NFC capability.
- Reuters reports how Lending Club uses consumer sentiment towards banks as an opportunity.
- Striata selected by Securitas, a growing security company in South Africa, to provide eBilling & ePayment to customers.
- ThreatMetrix deploys multi-layered data encryption architecture in new release of Cloud-Based Fraud Prevention Platform.
- Iowa-based UNI CU and W.Va-based WV United FCU sign on for Dwolla's FiSync.
- MyBankTracker compares Offermatic to Groupon and Womply.
- Linkable Networks (formerly Clovr Media) partners with 24/7 Real Media to tap into card linked offers.
- Wade Arnold, T8 Webware CEO, is selected for The Courier's Class of 2011 20 Under 40 award.
- Bill.com's paperless bill management wins silver award.
- DoughMain launches financial education game Sand Dollar City.
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.
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