• Cortera now offering free Cortera Business Directory accounts.

• Lendio announces record year-over-year revenue growth of 97% for the first quarter of 2013.

• Zopa launches Safeguard offer that protects lenders from faulty borrowers through a fund held by a non-profit.

• PayMyStudentLoans.com reviews ReadyForZero can help students save money in college.

• PA Consulting Group will deliver identity verification solutions using miiCard.

• MoneyDesktop launches new version of PFM & updates MoneyMobile app.

• South Bangla Agriculture & Commerce Bank is the fifth Bangladeshi bank to deploy Temenos T24 banking software.

• Leaf announces Leaf Membership Network. Join Leaf in San Francisco for FinovateSpring in May.

• Financial Advisor introduces Finect. Come see Finect demo their technology at FinovateSpring.

• Dividend Kings take a look at BillFloat.

• appPicker reviews Kashoo Accounting for iPad.

• Small Business Association of Michigan selects Billhighway Give as its mobile fundraising solution.

• Intuit releases Android tablet banking app. Come to FinovateSpring to watch Intuit unveil its new technology.

• CommunityLend grows FinanceIt team.

• Cartera Commerce appoints Brian Michon as CTO.

• Expensify integrates with Sage 50.

• Mitek granted new patent for its mobile photo bill pay capabilities.

• Geezeo partners with OSG Statement Services to develop a statement option that will allow PFM data to be leveraged in eStatements and printed statements.

• GoBankingRates reviews Simple's banking service.

• Mashable features ReadyForZero.

• American Banker reports: Maine's Katahdin Trust Company selects Fiserv's core banking platform.

• MoneyDesktop reports record year with customer growth of nearly 80% from 2011 to 2012 and a 4.5X increase in recurring monthly revenue.

• Hallmark chooses Taulia to provide e-invoicing, dynamic discounting and supplier self-services.

• FamZoo's prepaid card family pack featured in TIME.

• Torsion Mobile integrates with Dwolla's payment network.

• Dallas Business Journal reports that Device Fidelity has raised $1 million in debt financing.

• TSYS to begin processing ATM transactions through the LINK network in the UK.

• Azimo CEO Michael Kent explains the social remittance business in Pymnts.com Q&A.

• Market Watch's Jennifer Openshaw reviews the ReadyForZero user experience.

• Movenbank drops the "bank", changes name to Moven. Come see the launch of its new features at FinovateEurope February 12 and 13 in London.

• Kabbage appoints Simon Yoo, former co-head and managing director of Citigroup's FI Group, as CFO. Come see Kabbage's live demo at FinovateEurope.

• Lending Club opens low-interest, fixed-rate personal loan platform to Tennessee residents.

• Fuze Network guarantees no late fees for credit card payments made before noon CST on due date.

• True Office partners with Thomson Reuters to develop new, ramified compliance applications.

• Affinity Solutions raises more than $6 million in equity and convertible securities.

• InComm wins in 4 categories in seventh annual Paybefore Awards.

• Dwolla upgrades iPhone app and adds ability to pay money requests.

• The Receivables Exchange appoints Henry Allen as New CEO.

• SimpleTuition launches Private Student Loan Refinance Center.

• Xero and Bill.com enable integration, ease transactions and cash management.

• Now Plastyc's UPside Visa customers can add cash to cards instantly at Walmart.

• NFU Mutual automates paper processes with Tibco. Check out Tibco's live demo at FinovateAsia.

• Equifax selected byIRS as one of first eTranscript Pilot Vendors.

• ModoPayments and Alliance Data partner to offer mobile solutions to retailers and U.S. Consumers.

• Bill.com wins Sleeter 'Awesome Application' Award.

• Kiplinger features ReadyForZero.

• San Diego North County Times reports StockTwits: Howard Lindzon takes stock talk to new level.

• Bridge2 Solutions and Affinity Solutions launch mobile app.

• ReadyForZero unveils ReadyForZero Plus.

• Informilo names The Currency Cloud one of Europe's top 25 hottest early stage companies.

• Trading Forex Foundation reviews ayondo. Come see Ayondo's live demo at FinovateAsia on Nov. 6 in Singapore.

• Braintree Rakes in $35 Million in Series B Funding.

• IDentity Theft 911 to offer Humana members ID management & credit monitoring services.

• ThreatMetrix honored as bronze winner in the 4th annual 2012 Golden Bridge Awards.

• Euromoney looks at SoMoLend as a funding alternative.

• ReadyForZero answers questions about debt on Lifehacker.

• Geezeo opens API to third party developers.

• Monitise CFO John Brougham retires.

• Finsphere issued 4th patent.

• TIO transforms bill pay options for growing Hispanic marketplace through partnership with Progreso Financiero.

• Arroweye Solutions' digital tech powers growth at GiftCard.com.

• Allied Wallet partners with Swedish e-commerce payment services provider Klarna.

• Finance 2030 profiles Currensee.

• Janrain and Bazaarvoice team to enhance social shopping experience via social login.

• Pageonce and Blackstone Tech Group partner to bring utility companies a mobile payment option for customers.

• Idaho Central CU launches RDC powered by MShift.

• MyBankTracker reports Fifth Third Bank Statements Now Available on Manilla.

• American Banker reports Spreedly partners with Dwolla to let merchant clients accept the alt payments system.

• Ping Identity opens new Canadian offices.

• Check Point IPS recognized for outstanding security by NSS Labs.

• TIO Networks partners with BAF Global Group to bring its bill pay technology to the Bahamas.

• Fast Company explains how ReadyForZero helps users out of debt.

• Netbanker looks at Simple's messaging center.

• On Deck featured on CNBC.

• Acculynk and American Airlines to offer new, convenient payment option.

• How to Write a Business Plan interviews ReadyForZero CEO & Co-founder, Rod Ebrahimi.

• BankTalk explains why Kabbage is a great idea.

• Seeking Alpha reports-- Mitek: The Mobile Revolution Is Changing How We Live.

• Works interviews Lisa Halpern, Founder & CEO of Kiboo.com.

• MoneyDesktop acquires MoneyReef.

• National Standard Bank goes live with TranzWare from Compass Plus. Come to FinovateFall to see Compass Plus demo.

• Directions Credit Union selects Andera oFlows for account opening and lending.

• Crowdsourcing.org features Bolstr.

• Monitise partners with U.K.-based Associated Newspapers.

• ReadyForZero commends the Yodlee team and platform.

• Inc. Mag features ReadyForZero & Tuition.io as tackling the student debt crisis. Check out Tuition.io at FinovateFall.

•  Orlando Sentinel reports Kony Solutions is on cutting edge of app development.

• AOL Daily Finance features Kabbage.

• The Chicago Tribune reports Braintree to add 150 jobs.

• Check out Q2 funding for Finovate alumni: over $120 mil raised.

• ReadyForZero begins Smart Money Debate series.

• Netbanker reports: Bank Simple Innovations #1 & #2: Demo Mode After Login.

• MiiCard names RBS tech veteran Stephen Brannan chairman.

• BostInno features LearnVest. Come see LearnVest's new fintech at FinovateFall in NYC next month.

• Beloit Daily News looks at how 2 local businesses are using ShopKeep POS.

• CU Times reports T8 Webware expanding, expects to add 20 employees to its staff of 60.

• Cachet FS and Sharetec Systems partner to provide mobile deposit capture to credit unions.

• Geezeo signs URW Community FCU.

• ProfitStars announces that 100+ banks have selected its Gladiator Enterprise NetTeller Security Monitoring solution since June 2011.

• Fins Sales & Marketing looks at Cartera Commerce as Groupon's new competitor.

• CU Times reports on how Kabbage uses social media to give cash advances.

• ReadyForZero unveils 4 new resource centers for financial guidance.

• Kashoo signs accountant.org to its MVP program.

• The WSJ looks at SecondMarket's life after the Facebook IPO.

• 2 Minute Finance gets a personalized demo from Cardlytics.

• Virtual Piggy moves headquarters to Hermosa Beach.

• ReadyForZero announces product updates.

• Taulia and Cloud Trade join forces to ease invoice process for buyers and suppliers.

• peerTransfer partners with Educational Computer Systems (ECSI) to broaden its reach.

• 2 Minute Finance covers Concur's FinovateSpring 2012 demo.

• Quid puts FinovateSpring companies through its Big Data algorithm.

• Netbanker reports Doxo Provides the Missing Login at Small Billers.

• TIO Networks named to PROFIT Mag's list of Fastest-Growing Companies in Canada.

• GigaOM reports Wonga readies $1.5 billion IPO.

• Wall Street Journal reviews FutureAdvisor.

• ThreeThriftyGuys.com reviews SaveUp.com.

• American Banker reports Computer Services Inc. (CSI) adds Geezeo's PFM tools to its online banking suite.

• Business Insider recommends using Credit Karma and ReadyForZero to get out of debt and raise your credit score.

• Personal Capital updates privacy and security policy.

• ReadyForZero announces its iPhone app.

• Geezeo signs Westmoreland Community Federal Credit Union.

• Bobber Interactive adds Scott Rigby, Ph.D, Founder of Immersyve Inc., to its executive team.

• Mortgagebot launches consumer loan product to automate mortgage & consumer loan origination.

• Pawtucket Credit Union selects Q2ebanking for ebanking services.

• Virtual Piggy appoints best-selling author, Stedman Graham, to its board of advisors.

• MyBankTracker comments on Money Desktop's integration of Deals into a PFM.

• Mobile Payments Today looks at the CSI globalVCard.

• Business2Community looks at Linkable Networks' technology.

• Crain's Chicago Business covers Kabbage's Social Klimbing.

• Acculynk announces a UX upgrade to their graphical PIN pad.

• Luup powers National Bank of Abu Dhabi's real-time international account-to-account money transfer service via mobile.

• Figlo wins Best Demo award.

• SoMoLend wins Startup 2012 business pitch competition.

• SoMoLend raises $1.17 in Seed Funding.

• TradeKing and Zecco announce agreement to merge.

• The Economist names CurrencyFair as an option for transferring money abroad.

• The Economist looks at how Wonga, Mint, SaveUp, and ReadyForZero use Big Data.

• Xconomy reports Kony Solutions receives $15 mil in Series C financing.

• Finextra reports SafetyPay takes e-commerce cash payment service global.

• Cartera Commerce launches OfferLink rewards solution for local businesses.

• MyBankTracker features PayNearMe and shares how to pay your utility bill at 7-Eleven.

• American Banker shares how Plastyc is 1 of 3 prepaid card providers to adopt or test a disclosure box to inform consumers of fees.

• ReadyForZero launches its Facebook timeline.

• Investment News profiles Currensee.

• LearnVest launches a tool to help decide if you should outsource a task or do it yourself.

• Forbes describes how Lending Club and Prosper have opened up the consumer debt market.

• VentureBeat shares how Outright can assist during tax season.

• Striata partners with IHS Telekom to bring eBilling to Turkey.

• David Marcus named President of PayPal.

• peerTransfer partners with Boston College.

• L' atelier reports FreeMonee brings banks, customers & businesses together through promotional offers.

• The Washington Post interviews Dwolla's Ben Milne.

• Amex partners with InComm to reload its prepaid cards.

• Spend Matters explores how Tradeshift's Cloudscan makes e-invoicing sexy.

• Business Insider shares how to use JemStep to see if your broker is wasting your money.

• ReadyForZero helps users pay off $12.5 million in debt, launches savings platform.

• Kabbage partners with drop ship wholesaler Doba.

• AlwaysOn selects Bill.com as a 2012 OnDemand Top 100 winner.

• Betakit features Holvi.

• Mobile payments today reports MoneyGram and Fiserv hook up on mobile P2P payments.

• Kony Solutions announces support for iOS 5.1.

• The Republic identifies Mint and Expensify as two apps to help streamline finances.

• Boot Camp interviews ReadyForZero on its platform.

• SecondMarket launches 'The Facebook Fund' to buy shares before IPO.

• CU Times looks at Superior FCU's success from using Mortgagebot.

• Forbes lists Alexa Von Tobel, CEO of LearnVest as a female founder to watch at SXSW 2012.

• Xero moves to new headquarters.

• City A.M. highlights InvestorBee by DCisions.

• All Things D looks at how Personal Capital fits into the trend of online wealth management.

• Ping Identity launches PingOne for single sign on access to cloud-based applications.

• The Consumerist features ReadyForZero.

• Ubergizmo profiles ETRONIKA.

• MIT Technology Review covers Dwolla.

• BlackRock teams with DCisions to improve contribution portfolio benchmarking & customer insight capabilities.

• Fox News Atlanta highlights BillGuard.

• Dwolla, FamZoo, LendingClub, SecondMarket, & Segmint listed in the Coolest Startups in America book.

• ProfitStars introduces BusinessManager for healthcare providers.

• Authentify launches 2CHK out of band authentication technology.

• HelloWallet signs with Mercer to provide PFM tool to employees.

• The Glass Hammer profiles Lynne Laube, President & COO of Cardlytics.

• Desert News highlights ReadyForZero's creativity in helping consumers understand credit card debt.

• Money Marketing looks at practical ideas from FinovateEurope, uses Meniga as example.

• Heartland Bank selects ID Theft 911 to provide ID theft protection management, and resolution services to customers.

• Business Centric Services Group and partners launch new training workshop to empower businesses to market online.

• Tradeshift introduces CloudScan to simplify invoicing.

• Lodo chosen by 120 banks and CUs.

• Betterment lowers fees, introduces new features.

• WorldPay offers BOKU as mobile payment method to its merchant network.

• ReadyForZero launches savings platform.

• Insurance Journal features Mitek's Mobile Photo Quoting app for insurance.

• Credit Sesame launches mortgage comparison tool.

• InspirePay embeds Dwolla's payment network.

• Fast Co Design applauds ReadyForZero's product and UI.

• Phil D'Angio appointed as Senior VP of Global Sales for ValidSoft.

• MAPFRE Puerto Rico selects Identity Theft 911 to provide ID theft protection & resolution services to policyholders.

• HelloWallet implements new features.

• Vision Research Lab highlights Holvi's demo from FinovateEurope.

• ForexPros interviews Yoni Assia, eToro CEO.

• DepositAccounts.com looks at reward checking accounts from Kasasa.

• Kabbage's partnership with UPS provides more funding by using shipping data in underwriting.

• BillFloat is loaning more than $1 million per month.

• Kashoo partners with PaymentEvolution to solve accounting and payroll issues.

• Identity Theft 911 selected by Heartland Bank to Provide ID theft protection to customers.

• cbanc Network opens online repository of financial content to vendors.

• Expensify launches on Android platform.

• Mortgage Finance Gazette reports Zopa members lend £8.2 million in January, its biggest month ever.

• TechCrunch reports DailyWorth partners with Mint.com to help women with financial advice.

• Braintree names David Corken COO.

• CoVantage CU selects Tyfone for mobile wallet.

• ReadyForZero chosen "Best in Category" in the inaugural Interaction Awards.

• Actiance partners with security integrator AltaTek.

• Figlo shows its platform on Samsung SUR40 at ISE 2012.

• WorkLight launches special program for enterprise mobile and ISV developers.

• TRUSTe certifies miiCard's website to display the TRUSTe Web Privacy Seal.

• Clifford Change law firm deploys Check Point software for a network security solution.

• Financial Post highlights planwise.

• Bill.com helps banks offer business customers a more powerful payment, invoicing, and cash management platform.

• SC Magazine considers ValidSoft's view of voice biometrics. Come see ValidSoft at FinovateEurope Feb. 7.

• Huffington Post recommends Mint.com, HelloWallet, Credit Karma, TradeKing, ReadyForZero, & Betterment for college students.

• Q2ebanking selects Matt Flake as new CEO.

• Doxo looks back at 2011 achievements.

• Billeo announces Active eWallet API Tool.

• AOL's Daily Finance lists LearnVest and ReadyForZero as resources to take control of your finances.

• Entrepreneur test drives MyCyberTwin's customer service bot.

• FiPath unveils its Express Rollover Center.

• cbanc Network's FI user base grew seven-fold in 2011.

• FX Empire crowns @eToro with Best Social Trading Platform Award.

Here are the three steps of the challenge:

Step 1

Step 2

Step 3

After completing all three steps, users receive a badge (see screenshot below) to solidify their commitment.

To learn more about ReadyForZero, watch its FinovateFall 2011 demo.

• Prosper launches web app for Apple and Android Mobile devices.

• ActivePath appoints former President & CEO at Oversee.net, Jeff Kupietzky, as CEO.

• Investment News recommends advisors introduce HelloWallet to their clients.

• The Huffington Post names BrightScope a "civic startup."

• miiCard partners with consumer data company Callcredit.

• ReadyForZero's New Year's Challenge.

• 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.

• ReadyForZero introduces its New Year's challenge.

• 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.

• Forbes recommends Budgetpulse, Mint.com, Buxfer, and Yodlee as PFMs to help keep track of your money.

• Fox News advocates ReadyForZero to help pay down debt.

• Prosper launches Kindle Fire sweepstakes.

• Fast Company breaks down how ReadyForZero works.

• Tamebay shares how miiCard is helping to increase trust online.

• P2P Lending News reports that Prosper and Lending Club facilitated $40 million in loans in December.

• Expensify gives users 10 free scans per month.

• Geezeo signs 5 credit unions during the last week of 2011.

• Cortal Consors announces new version and expansion of Hopee.

• Visa certifies authentication system from Transecq's sister company, ENTERSECT.

• New Scientist recommends borrowing from the crowd by using P2P sites Zopa, Prosper, & Lending Club.

• Freewaregenius recommends using ReadyForZero to pay off and manage debt.

• Yahoo! Finance reports SecondMarket's Barry Silbert contributed investments to SponsorHub's $750,000 round.

• PayNearMe enables BHPH auto dealers to expand collection of cash payments.

• Kabbage secures $12 million in financing.

• ThreatMetrix wins Red Herring Global 100.

• Social Times hosts BillGuard as it shares its elevator pitch. Asks: Is it the next big thing? 

• Business Insider interviews Ben Milne from Dwolla & shares how its frustrating credit card companies.

• InComm announces Utah expansion.

• PC Mag profiles ReadyForZero.

• Lighter Capital reacts to fraud, implements fraud prevention.

• Bloomberg reports SecondMarket gets lobbying win in gridlocked congress.

• Prosper gives military families their second loan payment free when they get a loan via Prosper.

• Vinod Khosla, founder of Sun Microsystems and Khosla Ventures, places BillGuard on his "Cool Dozen" list.

• Weemba plays matchmaker For borrowers.

• Personal Capital launches daily news service.

• Planwise launches financial planning tool beta.

• Tech Cocktail interviews HelloWallet CEO Matt Fellowes.

• NYS-Licensing advocates enloop.

• Pilot of the new Zecco Trading Center has begun.