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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, Serverside Group showed how easy it is for users to customize their own card and share the design with their Facebook friends:
"The app uses card customization as a new and unique way to leverage Facebook in an exciting and engaging way that can drive real brand value, loyalty, and engagement from a bank's customers. Customers can design a card using an image from one of their Facebook photo galleries. Once the design is approved, it is posted to the user's wall where all their friends can view it and click on the link to design their own card and thus create a viral marketing effect!"
Product Launched: March/April 2012
HQ Location: London, UK Company Founded: 2003 Metrics: Serverside Group Limited is a UK-based trading company with 100% owned subsidiaries in the U.S. (Serverside Graphics Inc.) and NZ (Serverside Graphics (NZ) Ltd). The company has 50 global employees and is a fully owned subsidiary of Gemalto NV.
Introducing Gareth Jones (Global Head of Sales & Development) and Andrew Cox (Vice President Development)
 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.
Here's a look at press coverage from FinovateEurope on Tuesday:
ABA Banking Journal Innovative payment startups, 2012 Edition
ArcticStartup ETRONIKA Creates Kinect-Based Security For Online Banking by Greg Anderson
Backbase Blog FinovateEurope 2012: a brief review by Jelmer de Jong
 Bank Innovation 7 New Services Launched at FinovateEurope 2012 by Mary Wisniewski
Banking Technology Finovate Europe packs in the punters
Blick Log Finanzinnovationen von der Finovate by MNOCKERL
bobsguide Finovate Europe points way to the future by Neil Ainger
Celent Another take on Finovate by Gareth Lodge
FinovateEurope 2012: More Payments and Mobile, Less PFM by Zilvinas Bareisis
Innovative Payments Startups, 2012 Edition by Zilvinas Bareisis
Commercial Integrator Etronika Unveils Improved Microsoft Kinect-Based Online Banking by Rachel Cericola
Finance 2.0 Finovate 2012: Der erste Eindruck by Boris Janek
Financial Services Club Blog The best of innovation in finance: #Finovate Europe 2012 by Chris Skinner
Finextra Live at Finovate by Pat Carroll
Finovate AcceptEmail's Service Creates an Electronic Bill that Can Be Paid by Mobile
Actiance's Socialite Engage Helps Advisors Manage Social Media
Aimia and Cardlytics Help Merchants Track Offers and Revenue
Backbase Improves Bank 2.0 Portal Manager
Business Centric Services Group Launches CreditHQ
Brokertainment's StockBattle Lets Users Engage in Social Betting on Stocks
CurrencyFair Launches QuickTrade Feature
Dynamics Shows Off Smart Credit Card
eToro Introduces Guru Finder, Launches iPad App
ETRONIKA Revolutionizes How Users Interact with their Online Bank
Fenergo's Deal Manager Helps with Client On-Boarding and Account Opening
Figlo Makes Financial Planning Accessible on Any Device
FinovateEurope 2012 Live Twitter Transcript
Finsphere's Solutions Keep Online Banking Secure
Fiserv Introduces Mobiliti M-Cash
Handpoint Launches Secure Payment Solution for Tablets and Smartphones
Holvi Unveils Group Account Technology
IND Group's Banking-Front Office Gamifies Personal Finance
InvestorBee From DCisions Helps Users Make Sound Investment Decisions
Ixaris Demonstrates Customizable Card Program in a Box
Kabbage's ScoreKard Gives Online Merchants a Dashboard of Health
Liqpay's Zip.liqpay.com Allows for Easy Online Payments
Luup's Wallet System Facilitates the Internal Authorization Process
Meniga Upgrades PFM to Align with How People Think About their Money
miiCard Launches Open Beta of a Digital Passport for Online Identification
Mootwin Enables Users to Better Manage Mobile Apps
Nutmeg Offers a Tailored Investing and Saving Experience
PayPal Demonstrates Instant Account Creation
Ping Identity Shows How Financial Institutions Can Use Social Networking Logins
Sandstone Launches Mobile Banking App
Serverside's Technology Creates Viral Marketing Through Facebook
Service2Media Enables Secure Mobile Payments
Striata Launches Paperless Adoption Technology
Tradeshift's Instant Payments Gives Businesses a Faster Way to Receive Cash from Invoices
VALid from ValidSoft Uses Voice Authentication
Wipro Brings Customer Acquisition to the Tablet
 Forrester BlogsFinovate Europe 2012: Innovation In Digital Financial Services by Benjamin Ensor
FSTech Finovate Europe: best of show winners by Scott Thompson
Hotwire PR blog Finovate Europe 2012 - the aftermath by Ben L
I Programmer Kinect The Ultimate Security Device by Harry Fairhead
Inside Brunei fm ETRONIKA Brings online banking to Gesture Control, But Why? by Roshan Jerad Perera
miiCard Blog Impact of Financial Services in 2012, from FinovateEurope by Cassie Anderson
A Cookie for Your Thoughts by Cassie Anderson
Mircea Mihaescu Blog Finovate London-- More Old News? by Mircea Mihaescu
Money Marketing Ian McKenna: Technology the key to building scale by Ian McKenna
Ian McKenna: The new wave of FS tech by Ian McKenna
My Bank Tracker Wave Your Arms in the Air: Etronika's Gesture-Based Banking by Willy Staley
Nutmeg Blog Nutmeg wins 'Best of Show' at Finovate Europe by Aisha, Jono and Nick
OCTO Talks! Innovation dans les services financiers: Retour sur Finovate 2012 by Joseph Glorieux
Partners in Prepaid Finovate 2012: New Kids on the Block by Duygu Tavan
Payment Observer Trends and Innovation in Finance: FinovateEurope 2012 by Martin Schuppelius
psfk Kinect-Powered Online Banking Logs You In With Your Face And Voice by Emma Hutchings
Slash Gear ETRONIKA produce Kinect-based online banking by Chris Burns
TechCrunch Europe Lithuanian company develops Kinect-powered online banking system by Mike Butcher
TekFin Financial Services and Data exhausts by Yann
Ubergizmo Kinect based online banking from Etronika a reality now by Edwin Kee
Visible Banking Cardlytics: Merchant Coupons within Online Banking [INTERVIEW] by Christophe Langlois
Currency Fair: the P2P Marketplace to Exchange Currency on your Terms [INTERVIEW] by Christophe Langlois
Etronika: Kinect Banking at the Branch, Minority Report Style [INTERVIEW] by Christophe Langlois
etoro: Copy Trading, Gamification and Personal Branding [INTERVIEW] by Christophe Langlois
Finovate Europe 2012 (Photos, Videos, Crowdsourced Blog Coverage) by Christophe Langlois
Holvi: One Stop Shop for Groups - Crowdfunding, Budgeting, Expensing by Christophe Langlois
iBrokr's StockBattle: the World's First P2P Option Game [INTERVIEW] by Christophe Langlois
IND Group: Bringing Gamification into the Online Bank [INTERVIEW] by Christophe Langlois
Kabbage: for SMEs, More Social Media Engagement = More Cash [INTERVIEW] by Christophe Langlois
LiqPay's Zip: a Payment Details Shortener 'bit.ly Style' [INTERVIEW] by Christophe Langlois
Meniga's CEO: PFM Fully Integrated to Online Banking [INTERVIEW] by Christophe Langlois
Nutmeg: Providing Private Banking Services to the Masses [INTERVIEW] by Christophe Langlois
Ping Identity: Tapping Social Media to Customize Customer Experience in Banking by Christophe Langlois
Serverside Group: Customize your Card Design on Facebook [INTERVIEW] by Christophe Langlois
Vision Research Lab Finovate-- look out for these companies by Duygu Tavan
Finovate-- Who to look out for by Duygu Tavan
Finovate: Hot stuff from Finland - meet Holvi by Duygu Tavan
Zawya Luup launches Mobile Travel Authorisation & Budget Management Service
 Here's @Finovate's live Twitter stream from FinovateEurope on Tuesday, February 7.
Entries appear in chronological order:
Session 1
- Here's the first Finovate demo. Nutmeg launch: "Investing the way it should be." Link
- Nutmeg walking through investment goal setup; red popup tells you if you are drifting away from your goals and what to do about it.
- Ping Identity launching methods for banks to integrate with social networks.>> huge priority for future. Link
- Ping Identity demoing Facebook integration in account-opening process; has a number of integration ideas in the works with clients.
- At Finovate, PayPal and la Caixa are launching PayPal account opening in 30 seconds by choosing email address and password. Link
- Have found that PayPal account opening within la Caixa Bank environment increases account setup success by 2x to 3x.
- iBrokr AG, unit of Fidor Bank, is launching Stockbattle: Social betting on stock market. Link
- iBroker demoing 1-euro bet on the stock value of a German company; has Facebook integration to share the bet to find a counter bet.
- iBroker is easy, transparent, fun and accessible. A wildly innovative service to offer within an online banking or investment account.
- BCSG is launching CreditHQ represents, a better way for small businesses to handle credit management. Link
- BCSG's CreditHQ demoing credit management dashboard; has integration with collection agency to help followup with late payments.
- Backbase launching major new features in Bank 2.0 portal including targeting to customer segments. Link
- Backbase has cool widgets targeted to segments, showing student page mockup. Working with ABN AMRO, ING, DB, Barclays, and Visa.
- Fenergo demoing "deal manager," client on-boarding and KYC compliance solution for corp banking/investments. Link
- Fenergo showing dashboard to build the "credit pack" to pass to underwriting and back office departments; shows work-flow backlogs.
- Service2Media and Rabobank introduce mobile payments via an existing banking application. Link
- Service2Media showing cool mobile features: OCR recognition, "drag and drop" coins across page; "shake to clear."
- CurrencyFair launching peer-to-peer foreign exchange transfers with its QuickTrade. Link
- CurrencyFair demoing a foreign exchange transaction, in this example a 68 GBP savings on 2000 GBP exchange; great user interface.
- CurrencyFair has processed 90 million Euros, currently doing 0.5 million per day and growing quickly.
- Holvi demoing "group account" replaces bank account with smart payment account designed for any group. Link
- Holvi account assists groups with raising money, distributing cash, processing expense reports and tracking/ categorizing/ sharing it.
- Holvi can also be used for group to setup online store for donations, t-shirt sales and so on; 58% of consumers involved in groups.
Session 2
- We are back from break with Etronika showing voice, face and gesture recognition technology. Link
- Etroinka demoing logging in via voice intro then authenticated with facial recognition; also showing gesture/voice navigation.
- miiCard demoing new online Identity verification system to ease account opening and ID authentication. Link
- miiCard demoing how it takes existing banking relationship to validate your identity; done in 5 to 10 minutes; then can share.
- Mootwin launching one-stop-shop for mobile financial needs; demoing iPad app. Link
- Mootwin showing streaming video on tablet; can communicate directly with financial adviser within UI; working with Cortal Consors.
- Actiance showing dashboard for publishing to social media networks. Link
- Actiance demoing dashboard in Socialite Engage that shows engagement with users; has tools to track overall program across company.
- Fiserv is showing Mobiliti M-Cash service in use by ANZ; demoing mobile payment to non-ANZ customer. Link
- Fiserv demoing M-Cash white label mobile payment service; entire process takes about 30 seconds; now showing online m-payment.
- Aimia & Cardlytics launching transaction-based marketing platform; Aimia is investor in Cardlytics. Link
- Cardlytics demoing their in-statement-offer UI within a live PNC Bank account; highlighting Burger King 20% cash-back offer.
- Cardlytics demoing merchant dashboard; real-time results of spend of customers in entire category with offers vs those without.
- Liqpay, with 1.5 mil customers, launching http://Zip.liqpay.com, payment detail shortener for SMS and email Link
- Liqpay "payment detail shortner" is similar to bit.ly for URLs; showing how it works at Privatbank; increases accuracy and safety.
- DCisions launching InvestorBee to take guesswork out of investing with understandable risk vs. return info. Link
- InvestorBee will make investing benchmarks available free to consumers; believe simple facts will disrupt investing.
- ValidSoft demoing secure m-banking with out-of-band four-factor authentication and transaction. Link
- ValidSoft demoing voice-based authentication to confirm trans; system calls mobile number and customer answers to confirm... nice!
- Dynamics showing battery-powered card that is "first mobile wallet that works everywhere plastic accepted." Link
- Dynamics showing how to press a button on card to get a disposable number to use online; or request rewards points be used at POS.
- Dynamics launching today Chip & Choice for Europe, allows multi-app card to be used with single-app software infrastructure.
Session 3
- eToro, with 2 million users; launching Guru Finder crowdsourcing to find traders to follow and copy. Link
- eToro demoing trader profiles and community communications; also launching iPad app.
- Serverside Group launching a Facebook app for banks to provide tangible value. Link
- Serverside Group app allows customers to upload images from FB to create their own customized credit/debt card; can increase usage.
- When finished using Serverside app, users can post their cards in FB update; bank could run design competition to "like" cards.
- Tradeshift demoing how businesses can manage cash flow; launching "instant payments" options. Link
- Tradeshift showing dashboard controls; onboard process for suppliers and instant payment process; available to entire supply chain.
- Finsphere, which recently partnered with Vodafone, uses mobile phone location to assist with authentication. Link
- Finsphere demoing its "risk score" for each transaction; online banking login process; and consumer Pinpoint service.
- Launching Handpoint Headstart, mobile Chip & PIN payment solution. Link
- Handpoint demoing payments on mobile phone, table and mobile POS device; also showing Square-like mobile reader option.
- Wipro Technologies launching tablet-based customer acquisition system. Link
- Wipro showing interface that sales adviser would use with prospects to explain products and compare options.
- Wipro app allows adviser to take a screen cap and email the page to the customer >Very cool way to follow-up on initial discussion.
- Luup launching travel management system for businesses and governments. Link
- Luup demoing employee registration; using mobile to create trip itinerary and request approval from manager.
- Meniga, PFM provider, is launching "Peace of mind banking." Link
- Meniga UI has forward looking cash position, like Simple's "safe to spend" balance; showing "emergency fund" balance tracking.
- Meniga working to move PFM from a "tab" to the most used part of online banking.
Session 4
- Striata is launching eConsent "PUSH email billing" with NO registration process. Link
- Striata demoing process: 1st email is Yes/NO overlay on shaded-out bill. No username or password; use a secret, for example: mobile number and birthday.
- Striata showing interactive bill, "mini-website" right in the inbox.
- Sandstone Technology showing modern-looking user interface on iPhone built on HTML5. Link
- Sandstone Technology showing on multiple phones; demoing how user can personalize app with own picture; change display views.
- Kabbage launching ScoreKard today, a quantitative view of health of client's online store. Link
- Kabbage has now loaned $10 million to small online sellers on eBay and elsewhere; showing integration with Etsy.
- Kabbage showing "social climbing" system where Kabbage analyzes client's social media activity to help in underwriting.
- AcceptEmail showing MOBILE electronic bill presentment & payment, its "Short Invoice Service." Link
- AcceptEmail allows content of sent email to be changed while in client's inbox, eg. after bill paid, status can be changed.
- Figlo's widget-based platform helps advisers communicate to clients via Facebook. Link
- Figlo showing integration of online banking with long-range planning; showing table version.
- Ixaris launching Opn Cardworks, "card system in a box", allows issuer to fully customize. Link
- Ixaris can get Visa approval for new card within 6 weeks; demoing Ixaris "app store" for building programs.
- IND Group launching new gamified banking interface " online banking goes from boring to fun" Link.
- IND iGroup demoing UI which includes points area, achievements, badges (which unlock more rewards); shows totals over time.
- That's a wrap folks. 35 Finovate demos and no one went over time limit! What a day, see you in the networking hall.
Second up this afternoon, Serverside showed how its technology leverages Facebook to engage customers of financial institutions: "A Card Customization Facebook app. The app uses card customization as a new and unique way to leverage Facebook in an exciting and engaging way that can drive real brand value, loyalty, and engagement from a bank's customers. Customers can design a card using an image from one of their Facebook photo galleries. Once the design is approved, it is posted to the user's wall where all their friends can view it and click on the link to design their own card and thus creating a viral marketing effect!"
Product Launched: January 2012 HQ Location: London, UK
Company Founded: February 2003
Metrics: - Partly owned and controlled by Gemalto NV
- Approximately 50 employees
- 2010 Revenue: £4.61 million
- 2009 Revenue: £4.35 million
- Has worked with 200 financial issuers in 27 countries, issued over 2,000 customized card programs.
- Over 45 million cards have been designed using Serverside software
Presenting Connor Kinnear (Global Head of Marketing)
 As promised last week, here is our second "sneak peak" into the hot young startups and established leading companies that will demo their latest fintech innovations at the second annual FinovateEurope next February 7th in London.
As we mentioned in the first sneak peak, we asked each handpicked company to "whet your appetite" by providing a short summary in their own words of the innovation that they will be debuting on stage. We've compiled them below.
Don't miss your chance to see fast-paced demos of the newest ideas from each company and meet the execs responsible for the cutting edge of innovation in financial and banking technology. Plus get your FinovateEurope ticket before December 23rd and you'll lock in the early-bird price! _______________________________________________________
 Backbase will be presenting major new features in its Bank 2.0 Portal Manager, focusing on the following key points:
- Improved editor for page composition on regular browsers and mobile devices
- Advanced segmentation and targeting for different customer groups
- Fully integrated forms editor for enrollment and BPM
- Advanced analytical and performance tools
Innovation type: Marketing, mobile and tablet UI, online UI
 Aimia's unique advertising platform, powered by Cardlytics, enables banks to deliver rich, relevant rewards to their customers. The platform uses customers' unique purchasing history to deliver rewards that strengthen retention rates, increase card usage and improve customer relationships. The Cardlytics platform does all this without the need for any personally identifiable customer data.
Critical to the success of the programme is merchant engagement. Aimia and Cardlytics will be demonstrating the portal which is used by merchants to track offers and report on revenue. The suite of merchant management tools allows merchants to deliver targeted strategies that deliver measurable results.
Innovation type: Cards, marketing, rewards
 eToro provides you with immediate access to the largest investment network in the world giving you the ability to quickly find and easily build your own people-based portfolio of top performing traders. Automatically copy every trade your personal dream-team makes into your own investment account and start copying the success of the most successful traders.
eToro reinvents the way people invest their money by propelling them into the fast growing world of social investing. Take advantage of the wisdom of the crowds and make smarter investment decisions with full transparency and control over your invested funds at any given time.
Innovation type: Investing, online UI, PFM
 KYC compliance is a hot topic for financial services and Fenergo will introduce its Deal Manager application for client on-boarding, KYC compliance and account opening.
Fenergo will demonstrate how banks and financial institutions can reduce the burden and cost of KYC compliance with its straightforward application which manages all of the complex KYC data gathering and document processes and ensures full compliance with industry regulations.
The best bit is that its Deal Manager application also supports credit processes and legal document execution, so processing new client applications has never been so straightforward.
Innovation type: Back office, sales
 An onboarding tool that increases customer engagement at the same time? Figlo offers you a complete solution to gain insight in financial matters on a consumer level. Financial planning is now accessible for everyone on any device.
Curious? Figlo's 7 minute demo will reveal the power of financial insight.
Innovation type: Mobile and tablet UI, sales
 Handpoint will be demonstrating the first totally secure mobile Chip & PIN payment solution for tablets and smartphones. The solution supports all card payments; magstripe (MSR), Chip & PIN, Chip & signature and contactless NFC Payments (2012).
With Handpoint's Platform-as-a-Service acquiring, banks and MNOs can offer small/micro merchants card payments, tablets, and smartphones under their own brand name.
Innovation type: Payments, mobile and tablet UI
 Holvi replaces the plain old bank account with a current account built from the ground up for group activities. It helps customers collect more money, better understand their finances, and save time for their core activities. Customers include event organisers, sports clubs, and student associations and they can do all their banking with Holvi, without needing another bank account.
Holvi is regulated as a payment services provider by the Finnish Financial Supervisory Authority (FIN-FSA), and it has the necessary banking partnerships in place to operate payment accounts for customers on a pan-European basis.
Innovation type: Banking, online UI, payments
 Facebook logins are crucially important. Online banking logins are severely difficult to remember. Can something be done about this and still meet the highest standards of identity security?
Ping Identity will show you how to deliver the best login experience to your prospects and customers. Don't turn them away with form filling and repetitive password requirements. Give them access to your financial networks and partners. Build trust and relationships with your customers.
Innovation type: Identity, marketing, security
 Meniga is expanding its PFM solution to add a new, highly user-centric layer on top of traditional online/mobile banks.
The interface de-emphasizes real accounts and actual balances and instead shows "uncommitted balance" and virtual accounts. It also allows users to automate routine tasks and includes an alert framework designed to bring peace of mind by alerting users before bills go unpaid or before any account's balance becomes too low to meet commitments and forecasted expenses.
Innovation type: Online UI, Payments, PFM
 Investing is scary. I can invest, but I forget to buy or sell or rebalance. My financial advice has been useless. I want to be in control of my finances. I know I should be doing more with my money.
Nutmeg knows that investing is about more than money. It's a passport to the life you want. That opportunity shouldn't be reserved just for the wealthy, or just for those in-the-know.
Nutmeg asks, what if investing were simple and beautiful? And what if everyone could do it?
Innovation type: Investing, online UI, PFM
 Banks around the globe have really struggled to understand how they can leverage the power of Facebook.
Serverside has developed a new and unique way to leverage Facebook in an exciting and engaging manner that drives real brand value, loyalty and engagement from your customers.
Innovation type: Cards, marketing
 Going paperless saves money and improves customer service. However, most customers are not switching off paper because the registration process is inconvenient, complicated and results in having to remember another username and password and to fetch the document every month.
Striata's eConsent puts you in control of the paperless conversion process. Its clients are exceeding their paperless objectives and achieving a positive ROI in a matter of months.
Innovation type: Back office, communications, marketing
 What would make the biggest impact on the way you manage cash flow and financing? Improved processes? Streamlined operations? Or maybe more flexibility in the way you manage payment terms with suppliers?
Things change. Shift happens. Tradeshift has already transformed invoicing, now its doing the same with supply chain finance.
Innovation type: Back office, payments, small business
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