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This is a part of our live coverage of FinovateSpring 2013.
 Then, ValidSoft took the stage to demo its Secure Mobile Architecture for Real-time Transactions, SMART:
"ValidSoft's SMART platform caters for the disparity in mobile networks and devices, use cases and the corresponding transactional risk intrinsic in mobile payment applications. SMART achieves this by providing a layered architecture of voice and mobile network‐based security protocols and technologies, both visible and invisible, to protect mobile payment and M‐banking transactions alike."
Product Launch: February 2011
HQ: London, United Kingdom Founded: 2003 Twitter: @ValidSoft
Presenting John Petersen (Global Head of Business Development) and Emmanuelle Filsjean (Global Head of Marketing)
 On May 14 and 15, Finovate returns to San Francisco where more than 70 companies will showcase their new technology. The majority will be making their first appearance on the Finovate stage. Each company provided a sneak peek of what they'll demo next month. Below is the first installment of these teasers. We'll have more next week. To be a part of the excitement, Get your ticket here. ______________________________________________  Balance Financial: is a digital workspace that helps FIs drive revenue growth, improve client engagement and scale service delivery. Features: - Customizable digital workspace for financial service professionals & their clients
- Professional grade branded PFM, bill pay and file sharing tools
Why it's great: Helps financial service professionals leverage technology to grow their business by building and maintaining better client relationships.
 Curaxian: The fastest and easiest way to find solutions to difficult fraud problems. Features: - Find optimal solutions to fraud attacks
- Improve portfolio profitability, retention, and relationship management
- Manage authorization declines and interchange downgrades
Why it's great: There is no easier or more effective way to resolve a fraud attack.
 Cymonz: Provides the software and business processes to easily integrate a currency exchange and international payments service into your business Features: - Customizable online currency exchange for your clients
- Management for your currency operations
- White label for your partners
Why it's great: Currency exchange and payments service for your brand.
 EyeVerify: Has commercialized a software-only biometric method for verifying the identity of mobile users - a safe, simple replacement for passwords. Features: - Eliminate end users' password fatigue
- Reduce fraud and identity theft
- Make mobile transactions safer and more convenient
Why it's great: The password is dead - and now we have the replacement!
 GoodApril: Online tax planning: your guide to tax savings, helping you take actions today to reduce your taxes next April. Features: - Identification of tax saving actions you can take in the year ahead
- Forecast of how the 2013 tax law changes will impact you
Why it's great: Consumers leave $22 billion in tax saving opportunities on the table each year - GoodApril helps make sure you're not one of them.
 Palo Alto Software: Its LivePlan software helps a business forecast and budget for a successful future, and also helps a business understand the KPI's it needs to manage for growth Features: - Build a cash flow forecast
- Gather business intelligence via enhanced dashboard
Why it's great: There is no better way to manage your business online than with LivePlan
 Realty Mogul: A marketplace for accredited investors to pool money online and buy shares of pre-vetted investment properties. Feature: - Investors get access to real estate investments they historically did not have access to
Why it's great: Real estate investing made simple.
 Signifyd: Fights fraud using the Social Graph. By guaranteeing payments, Signifyd provides an insurance for e-commerce merchants. Features: - Fraud detection today is slow, inaccurate and expensive
- Harnessing the Social Graph to fight fraud
- Insurance for e-commerce
Why it's great: Signifyd provides an insurance for e-commerce
 TipRanks: The first online co-browser that aggregates, scrutinizes, and evaluates digitally published stock recommendations. Features: - Accountability for those who dish financial advice
- Empowerment for those who seek it
- Free, unbiased and transparent information
Why it's great: TipRanks helps provide the answer for all individual investors - should I take this particular person's financial advice?
 Tradeslide: Empowers independent financial traders Feature: - The TS Score empowers independent traders by diagnosing performance, for traders' and investors' benefit.
Why it's great: Tradeslide rates independent trading talent
 TrustEgg: Reinventing how parents save for their children Features: - Parents can set up a Trust for free
- Invite friends and family to contribute
- Money invested in mutual fund until child turns 18
Why it's great: TrustEgg is the simple, social way to save for your kids.
ValidSoft: SMART - Secure Mobile Architecture for Real-time Transactions Features: - Custom built strong authentication platform for the mobile world
- No customer friction
- Using proprietary voice biometrics
Why it's great: SMART secures your mobile wallet without customer friction: Simple, Secure, Safe _________________________________________________________ For more information on attending, see our FAQ. To register, visit our FinovateSpring page here.
 Lend Acadamey reports: SocietyOne May Be the Most Innovative P2P Lender on the Planet.
- American Banker reports: Experian providing prepaid card service provider Cardplatforms with its global authentication services.
- ValidSoft's Secure Mobile Architecture for Real-time Transactions selected to be an integral element in Spindle's payment acceptance service.
- Cortera's Pulse is winner of the 2013 SIIA CODiE Award for Best Business Information Solution.
- SumUp partners with blue solution software to integrate API into Top Reparatur. See them demo at FinovateEurope next week.
- Acculynk's PayLeap reaches strategic agreement with Spindle to integrate platforms.
- IgniteSales reports 100% revenue growth for 2012.
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.
- Silicon Valley Business Journal interviews BillFloat CEO and co-founder Ryan Gilbert.
- Commercial Bank of Qatar to deploy latest version of TSYS card and merchant management platform.
- TransferWise wins "Best Middleweight Startup" at The Europas. See them demo at FinovateEurope in February!
- Concur rolls out new datacenters in France and the Netherlands.
- Santander receives 2012 Banking Technology Award for Best Security Initiative for its SIM swapping solution, developed with ValidSoft.
- UK's KashFlow integrates with Tradeshift to enable SMBs who use its cloud-based accounting software.
- The Paypers reports: Geezeo enters 2 new partnerships.
- VatorNews considers what's next for Lending Club.
- Cachet Financial Solutions partners with Volunteer Corporate to provide mobile RDC to their 325 member CUs.
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.
- Interactive Investor purchases DCisions, closes InvestorBee service.
 - Finextra reports Rabobank Australia and NZ selects ThreatMetrix to secure online channels.
- InComm & SkyMall Ventures partner to launch electronic gift card program.
- Opus Research report recognises ValidSoft as leader in voice biometrics.
- AloStar Bank of Commerce chooses Andera's oFlows for online account opening.
- TIO adds mobile bill pay app to its suite of services for El Paso Electric.
- Radian Mortgage Insurance now available through Mortgagebot's loan origination system.
- E-invoicing Platform features AcceptEmail.
- Xconomy examines how Giftly will disrupt traditional gift card market.
- Luup signs partnership with Arab Link, provider of money transfer and exchange services in Abu Dhabi.
- Crunched lists On Deck in top 25 startups to work for.
- TechCrunch reports Holvi Plans To Disrupt Traditional Bank Accounts With Simple But Powerful Services.
- Citi Innovation Lab and SapientNitro honored at National Infocomm Awards in Singapore for next-generation banking experience.
- ActivePath merges with PowerInbox.
- Experian expands debt-collection product suite with TrueTrace.
- DeviceFidelity launches moneto prepaid MasterCard.
- BlinkMobile announces five more councils to adopt BlinkForms.
- Klarna earns 2012 Entrepreneur of the Year award from European Tech Tour Association.
- Money Smart Life reviews Betterment and Kapitall.
- American Banker reports Betterment deepens finance advice features.
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.
Last up for this session, ValidSoft showed the audience its SMART technology:
"ValidSoft's SMART platform caters for the disparity in mobile networks and devices, use cases and the corresponding transactional risk intrinsic in mobile payment applications.
SMART achieves this by providing a layered architecture of voice and mobile network‐based security protocols and technologies, both visible and invisible, to protect mobile payment and M‐banking transactions alike."
Product Launched: January 2012
HQ Location: London, UK Company Founded: 2003 Metrics: ValidSoft has 20 employees, most of them working out of the London office Twitter: @ValidSoft
Introducing John Petersen (Global Head of Business Development) and Emmanuelle Filsjean (Global Head of Marketing)
 Each year, SWIFT's Innotribe holds a Startup Challenge to determine the most promising startups poised to transform the financial services industry. The winners, selected by the Innotribe community, will present their technology in front of top financial institutions. Six Finovate alums were chosen as semi-finalists and one was chosen as a finalist. The 2012 list of selected companies includes two categories, growth-stage and early-stage: Growth-stage Vote for two growth-stage semi-finalists you think should present at Sibos here. Early-stage: Vote for seven early-stage semi-finalists you think should present at Sibos here.
 We've selected over 60 leading innovators to take the stage for the sixth annual FinovateFall conference in New York on September 12 and 13. Each company provided a sneak peek of what they'll demo next month. Below is the first installment of these teasers. We'll have more next week. Don't miss your chance to see the live demo from each company and meet the execs responsible. Get your FinovateFall ticket here. _________________________________________________________________________
 Socialite from Actiance allows financial advisors, agents and sales and marketing to engage with clients, build customer relationships, and create a personal brand - all while being compliant with FINRA and SEC regulations.
At Finovate you will see for the first time the integration of Actiance's Socialite platform with Salesforce enabling users to maximize the power of Salesforce, monetize their social involvement and increase revenue. Now users can Link Socialite contacts to Salesforce accounts and send Socialite activity to Salesforce when contacts provide feedback or respond to posted content. In addition, we will be showcasing our new Socialite Mobile application for the iPhone.
Innovation type: Marketing, sales, security
 Come meet Billhighway at the intersection of technology and philanthropy! It's your chance to witness the debut of a faster, more compelling way to fundraise. Billhighway's mobile application, unveiled for the first time at FinovateFall 2012, brings a mobile cashless approach for an easy, secure, fun way for folks to give in real time, and perhaps give more!
The application is specifically developed for nonprofits to effectively increase funding from new sources. A great example of technology used for good, nonprofit organizations immediately collect and put to use mission-critical donor funds, the lifeblood of their efforts to do more good.
Innovation type: Marketing, mobile, payments
 BCSG will be launching an innovative and customizable cloud-based package at FinovateFall 2012, incorporating the most important tools a small business owner needs to manage and grow their business. For just $25 a month, users will get access to several market leading applications via one online platform using a single username and password. This unique package has been developed specifically to address the day to day challenges small businesses owners face and is supplied through financial institutions.
Innovation type: Online UI, PFM, small business
 CommunityLend's product, Financeit, enables businesses to offer installment loans to their customers at the point of sale. Since launching in January of 2011, they have signed up over 1,200 merchant partners and processed over $130MM in loans. The key verticals are vehicle, home improvement, retail and health.
CommunityLend has raised over $9MM in financing since launch and is now pursuing a U.S. expansion strategy. Lending capital comes from banks and other institutional investors.
Innovation type: Lending, payments
 Can "The Cloud" be trusted to store important files? Are safe deposit boxes still practical in the age of electronic documents? Is there a way to ensure "Total Information Privacy" for the customer? My Virtual StrongBox is the online answer to safe deposit boxes. Customers store electronic copies of important documents in this easy-to-use filing system AND retain ownership of their documents. Files are managed by, and only visible to, the customer. Financial institutions using My Virtual StrongBox add one more sticky product to their list of benefits and keep customers around for years to come. Learn more at myvirtualstrongbox.com.
Innovation type: Banking products, PFM, small business
 Optimize your online marketing and improve your acquisitions strategies with Experian's Premium Prequalification, a powerful credit-screening tool that allows institutions to proactively utilize individual credit data online in real time to: - Empower and educate consumers with a snapshot of their credit health
- Save consumers time and money by instantly providing them with their most viable options at the very start of their shopping experience
This best-in-class process also offers Prequalification Triggers, notifying consumers of recent changes to their credit while offering relevant products, and Credit Comparables, which compares individual credit to the average in their area. Redefine your acquisitions strategies today with Experian's Premium Prequalification
Innovation type: Cards, lending, sales
 Fiserv understands that convenience and supporting user preference are keys to increased adoption and usage of digital payments. Our innovation seamlessly blends a variety of information input modes in our mobile banking application, Mobiliti Enterprise.
Using our applications, users can choose from traditional keypad and screen touch interaction, image capture and OCR, or voice-driven commands and inputs to make payments. And a key feature is that users can effortlessly switch modes at any time, whenever they want - even in the middle of a transaction.
Innovation type: Banking products, mobile, payments
 In a world optimized to get us to spend more at every turn, ImpulseSave has made saving your money just as easy and instantly gratifying as spending it. Our simple web and mobile tools incent consumers to turn every point of sale into a "Point of Saving", as well as every point in between.
ImpulseSavers are saving close to $4,000 per year on average. While others argue that greater discipline and better budgets are the answer, ImpulseSave represents the exact opposite approach. Instead of trying to change consumer behavior, encouraging more self-denial, we've actually transformed saving itself to leverage that very behavior, making saving as impulsive, fun, even addictive as is spending.
Innovation type: Communications, marketing, PFM
 Ready, Set, Locate! See how one easy-to-use API can locate any customer or cardholder mobile phone for authentication or mobile marketing. No apps to download, it works on feature phones, smart phones or on any carrier. Mobile phone network location can be a low cost, high quality, unspoofable authentication factor for mobile payment and credit card identity.
See Locaid's live location demo that can be easily integrated into any CRM system, mobile marketing, web services or anti-fraud applications. With a mobile device number and permission, you can locate 350 million devices via our location privacy platform.
Innovation type: Identity, marketing, mobile
 See how financial institutions can save millions by implementing BankFiling, a first-of-its kind innovation that delivers significant ROI yet requires limited investment. A whole new approach to commercial and business banking! Prepare yourself!
Innovation type: Banking products, lending, small business
 The fear of not getting paid and concern over finding new clients is keeping small business owners up at night. PaySimple is launching a "get paid faster while you grow your business" addition to its PaySimple Pro receivables automation solution. The innovation automates pricing to ensure the small business is paid on time and also fosters social engagement as a natural extension of the payments process.
Innovation type: Online UI, payments, small business
 Times are tough. The kids are in college. You're caring for aging parents. You're underemployed. You have bills. Bills that are due. But your family and friends want to help. Because that's what family and friends do. If only there was a way for them to provide this financial help quickly. Conveniently. Securely. Online. Without the hassle of sending cash and checks, or the high cost of wire transfer services. Meet PayTap.
Innovation type: Communications, payments, PFM
 Personal Capital is wealth management for the Internet Age. The company's online platform combines digital technology with highly personalized service to provide a holistic view of your unique financial picture. The free online dashboard, iPad and iPhone apps present all of your financial data in one place, showing you exactly what you own and what you owe, in real time.
At Finovate Fall, Personal Capital will unveil new features that enable even greater transparency into your money for the long-term: your retirement. Do you know how much your 401(k) costs?
Innovation type: Investing, online UI, PFM
 Pindrop Security's technology is being used by banks to identify fraud callers and to prevent fraud transactions. In the Fall of 2012, we'll introduce our latest solution for financial institutions that rely on the phone for transactions. Join us for the debut at FinovateFall 2012!
Innovation type: Identity, security
 Prepaid Resources introduces BenefitsDirect 'Direct Deposit Management'.
Capture recurring Federal benefits, State benefits and Payroll deposits through your accountholder website, in-branch, at retail, by mobile app or via live agent. Track enrollment success and measure direct deposit activity to proactively personalize accountholder relationships.
Innovation type: Banking products, cards
 ShopKeep solves the last mile in local. It enables vertical partners from delivery, payments, loyalty, and deals to connect directly to SMBs. A revolutionary iPad based SaaS product, ShopKeep's POS system makes traditional cash register products obsolete.
For $2/day merchants receive a high end operating system and can manage their store even when they are not inside it. Made in NYC, ShopKeep now has over 2,500 customers. It provides merchants flexibility to choose their credit card processor and offers unheard of customer support and economics. ShopKeep POS is the simplest way for retailers to make smarter business decisions.
Innovation type: Payments, sales, small business
 StockrStockr is a finance portal for the social web. For most people, investing is more social than scientific, and investment ideas come from close friends, trusted advisors and various periodicals.
Stockr embraces this social element of investing, creating powerful connections among those who have actionable information and those who are seeking it. While other portals compete on content, our view is that content becomes most relevant and actionable when it's shared and discussed.
Innovation type: Investing & asset management, PFM
 Everyone has come to expect innovative, reliable and low cost local currency payment services, yet we continue to live with expensive and unreliable international payments. Over $37 trillion in foreign currency payments are sent or received each year. The international payment services offered by the major banks are far from satisfactory. The Currency Cloud evolves the international payments process - we make currencies simple.
Innovation type: Back office, payments, small business
 With Tuition.io, student loan borrowers can easily access all their loans in one visually appealing dashboard, use graphical visualization tools to compare them and get customized optimization plans that take advantage of little-known and hard-to-understand restructuring options.
Innovation type: Banking products, lending, PFM
 The mobile phone is fast becoming a dominant player in payments and banking worldwide. As electronic fraud will certainly be drawn to the new medium, so too must security be made usable, flexible and ultimately reliable. ValidSoft's proprietary technology can secure all transaction channels, in real-time. All our solutions are telecommunications-based.
At FinovateFall 2012 we will show you how our advanced mobile payments authentication platform, SMART, supports a mobile wallet product and demonstrate how scalable and flexible it can be.
Innovation type: Identity, payments, security
Stay tuned next week for another sneak peek of FinovateFall 2012 presenting companies.
- Clairmail receives Frost & Sullivan Customer Value Enhancement Award.
- T8 Webware adds Des Moines Office.
- Ixaris names Kenneth Bonnici CFO.
- ValidSoft partners with SOCURE to bring security and ID theft protection to social networks.
- Intuit launches Mobile Banking Purchase Rewards for iPhone and Android.
- ID Analytics names Larry McIntosh as CEO.
- TSYS Acquiring Solutions launches Value Added Resource (VAR) Partner Connect Program.
- Tyfone signs 10-year partnership with PT Number One in Indonesia.
- ThreatMetrix forms partnership with Imperva.
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.
- Arroweye Solutions announces 1Q of 2012 was its largest with 9 new clients & sales of over 2 million cards.
- Check out this month's CEO interview with Lending Club's Renaud Laplanche.
- ValidSoft partners with Adeptra to power a detection & prevention application that helps mitigate SIM card fraud.
- eToro announces launch of mobile Trade Alerts app that creates actionable trade notifications.
- Fast Company considers how Tradeshift could disrupt the banking industry.
- TechCrunch reports: Wall Street Survivor Gamifies Financial Education With Help From Bunchball.
- AdvisorOne reports BrightScope to propose universal performance standard for financial advisors.
- Internet Evolution reports: Dwolla Could Speed Online Payments, If Banks Go Along.
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.
- Bill.com integrates with NetSuite to deliver seamless, cloud-based financial management.
- Inc.well interviews Candace Klein, CEO of SoMoLend, about crowdfunding.
- Virtual Piggy partners with World Industries.
- American Banker considers if Dwolla is a threat or opportunity for banks.
- Soshable covers Klarna, CoverHound, Giftly, ZipZap, BillGuard, Dwolla and Virtual Piggy.
- The Next Web takes a closer look at the tech that powers LearnVest.
- BCSG partners with Sage to offer MyBusinessWorks customers the bookkeeping application Sage One Accounts.
- ValidSoft announces partnership with Spindle to provide advanced payments security solutions to US-based customers.
- Fast Company names Laura Mather, Founder and Chief Visionary of Silver Tail Systems, as one of the Most Creative People in Business.
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, fraud prevention company ValidSoft announced a partnership with Utiba, a mobile payments company that supports 500 million subscribers and processes over 12 billion transactions per year. Singapore-based Utiba selected ValidSoft's Secure Mobile Architecture for Real-time Transactions (SMART) security program to secure its mobile financial services: "Utiba's more than 40 Mobile Network Operators (MNOs) and banking customers worldwide will be able to offer advanced, user-friendly authentication options using ValidSoft's proprietary technology."
Those 40 MNOs and banking customers equate to 500 million end-users that have access to Utiba's platform and will benefit from the Secure Mobile Architecture. To learn more about ValidSoft, watch its FinovateEurope 2012 demo.
- ProfitStars partners with ACH Alert to introduce new solutions to mitigate losses from ACH and wire fraud.
- Striata partners with Tricubes, an ID authentication specialist, to provide Malaysian clients with secure document delivery.
- Forbes discusses Dwolla's location-based payments service.
- Thomson Reuters named one of Ethisphere's 2012 "World's Most Ethical Companies" for fourth successive year.
- HelloWallet announces V2 of its iPhone app with account setup, budget creation, & manual transactions.
- SaveUp launches pilot program at 20 credit unions.
- Utiba takes on ValidSoft's security solution.
- Ping Identity educates consultants to better serve end users.
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.
- 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.
- Vision Research Lab highlights Holvi's demo from FinovateEurope.
- 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.
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.
ValidSoft took the stage next to demonstrate its voice-based authentication technology: "Our product can protect M-banking transactions from all of the attacks that affect Internet banking today, while using out-of-band, real-time voice based authentication, and transaction verification. A smart phone contains multiple channels, both voice and data. Therefore the concept of channel separation, critical for the detection of manipulated transactions caused by Man-in-the-Mobile-Browser or phone resident Trojans, is fully supported.
Our product as used for Online Banking, with all the same visible and invisible protection, including Pseudo Device Theft, is configured specifically for mobile banking usage. This means no keying of OTPs into the phone, and even a completely hands-free model using speech recognition if required. Biometric voice verification can also be layered for even greater security. Our product combines usability, portability, and security that will drive the adoption of M-banking."
Product Launched: September 2011 HQ Location: London, UK Company Founded: 2003 Metrics: ValidSoft was acquired by Elephant Talk in March 2010 for a combination of Elephant Talk stock plus warrants. For details, see the Elephant Talk Annual Report.
Presenting Patrick Carroll (CEO) & Emmanuelle Filsjean (Global Head of Marketing)
- 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.
- 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.
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.
- Forbes lists Expensify as 1 of 10 financial innovations that will make your life easier in 2012.
- Guardian Analytics releases Anomaly Detection Toolkit to help FIs address the expectations for layered security.
- Tax compliance monitoring service, Tax Guard, partners with ProfitStars.
- ValidSoft joins "Get Safe Online" to help consumers protect themselves. Watch its live demo at FinovateEurope.
- Regions Bank joins eWise's Secure Vault Payments network.
- Intel will use SecureKey's authentication technology on new Ultrabooks.
- PayPal partners with payment solution company ABJ Software.
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.
 Right now, over three dozen leading fintech companies, both hot young startups and established players, are gearing up to demo their latest innovations at the second annual FinovateEurope next February 7th in London. To whet your appetite, we asked each handpicked company to provide a sneak peek of what it will be demoing on stage. Below is the first installment. We'll have another installment next week.
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!
____________________________________________
 AcceptEmail will launch a revolutionary way of billing and collecting. The inventor of billing and payment via email will introduce AcceptSMS, the world's first Short Invoice Service.
With this technology, AcceptEmail users will be able to send payment requests to a smartphone or PDA via SMS, WhatsApp Messenger or social media in an easy and clever way. Improve your customers' payment behavior by offering multi-channel and customer friendly payment methods.
Innovation type: Communications, mobile and tablet UI, payments
 Find out more about a solution that Raymond James has already adopted to give its investment advisors authenticity on social networks. It also generated a $1 million prospect for another wealth management firm after just 96 tweets.
Actiance will also demonstrate how you can measure and analyse your network growth to accurately plot your social graph.
Innovation type: Communications, marketing, security
 Brokertainment combines the fun and thrill of stock market trading with a reduced risk due to extremely low minimum investments (1 euro) and ultra-short term durations of derivatives (around 5 minutes).
Brokertainment will present a new product called STOCKBATTLE.
Innovation type: Investing and asset management
 Business Centric Services Group (BCSG) will present an exciting new credit management tool to the SME market, which will break down the traditional barriers of cost, complexity and awareness.
BCSG has identified a customer need for this product through research, which highlighted that over half of small businesses never run credit checks on new customers, and just under half do not monitor their existing customers and suppliers.
Its innovative tool allows complex information to be delivered in a simple and usable format, ensuring the best possible end-user experience.
Innovation type: Banking products, online UI, small business
 Almost all banking today is being done in digital space. Why not communicate with computers in a natural way, as we do in the real world?
Imagine a financial application that recognizes your face, congratulates you, analyzes your voice to identify you, and navigates you in online banking. You choose what is most convenient for you at that time: using your voice, gestures, keyboard, or a mix of all the approaches. You are smiling.
Motion and speech belong to the game world or laboratory geeks-- not to online banking solutions that refer to a serious, unshakable, respectable realm. ETRONIKA wants to challenge this point of view by introducing a new UX approach to financial online services.
Innovation type: Banking, identity, online UI
 InvestorBee puts data at consumers' fingertips so they can make smart, confident investments.
- It's fact, not opinion. Users can tap into the database to learn from the experiences of over a million UK investors.
- It's an investment health check. Users can compare themselves to their peers to set realistic saving targets and investment goals.
- It's simple investing without guesswork. In a few easy steps, users can choose an objective risk-based strategy that's right for them.
InvestorBee users extract wisdom from the crowd to make better, simpler investment decisions.
Innovation type: Investing and asset management, PFM
Fiserv will demonstrate its next generation mobile P2P, small business and eCommerce merchant payments. As an international provider of digital banking and payment solutions, Fiserv delivers market-proven capabilities with innovations in both the mobile and online channels.
Innovation type: Mobile and tablet UI, online UI, payments
 IND Group gamified its white-label Internet Banking and Personal Finance Manager. It added these methods to its new Banking-Front Office. The solution is based on the fact that customers love to do almost anything if they are rewarded for it.
With the two-level point system, banks can give points for things like function use, transactions, and product or service purchases. Customers can collect points and badges for dedicated actions. The system is closely connected with Facebook, where users can post their results and badges. With its strong visualization features and real rewards, the gamified IND Internet Banking and Personal Finance Manager creates a compelling, engaging user experience.
Innovation type: Online UI, PFM, rewards
 Luup will launch a mobile payment service for corporations and governments that is set to bring them cost-savings, efficiency and productivity gains. The service solves one of the biggest daily challenges that organisations face worldwide.
Through an interactive live demo from various mobile devices, Luup will showcase how the new service is a fast, convenient and secure way to optimise processes. Attendees will experience how Luup solutions are unique in being universally deployable, bank-grade, live and proven-- as well as scalable and easily managed.
Innovation type: Mobile and tablet UI, payments
 miiCard, My Internet Identity, is the first service that allows a consumer to prove their identity to the AML/KYC standard purely online.
Through miiCard, a vendor can identify an individual to a level of assurance that supports real-time online sales of regulated financial products, and replaces the need for a 'wet signature' reducing operational costs and increasing conversions.
miiCard creates trust, protects consumers and fights against fraud. It helps realize the full potential of the digital economy by enabling higher value online business.
Innovation type: Identity, payments, sales and customer service
 Sandstone will be showcasing its next generation mobile banking app that contains sophisticated money management/ OFM tools, the latest anti-fraud and security measures, and user experience capabilities that enable financial institutions to better engage with their customers.
Using the latest HTML5 technology, the app can be developed once and then delivered seamlessly across all smart phone app stores to run on any smart phone mobile device. The registration process for the app locks the user to the device while the page-fingerprinting technology ensures that fraudulent users will not be able to connect to the secure server.
Innovation type: Banking, PFM, security
 Service2Media and Rabobank will introduce mobile payments via a banking app for all webshops. Customers of Rabobank that have installed the Rabobank Mobile Banking app can now pay for their mobile purchases as easily as their online purchases by using a mobile version of the online payment method IDEAL.
The new mobile IDEAL payment is facilitated by starting the Rabobank Banking app on an iPhone once a payment request is issued on the merchant's mobile site. The user then authorizes the transaction in the app with his account number and access code before being redirected to the merchant's mobile site. Mobile banking is now possible without an e-reader as long as the balancing account is known.
Innovation type: Banking, mobile and tablet UI, payments
Securing M-Banking
The advancement of technology is making our lives easier. Mobile banking, or m-banking, is here and with 800,000,000 smartphones already in circulation globally, it is going to grow. But how do we make m-banking safe and practical to use? You can't hold your smartphone in one hand and your bank secure key in the other when walking down the street - that's not "making our lives easier".
A much simpler solution is using out-of-band, real-time, multi-factor authentication and transaction verification. ValidSoft will demonstrate how its products can do just that.
Innovation type: Identity, payments, security
 One of the primary tools direct sales agents need is a tablet variant of the unified desktop. Wipro has developed a customer acquisition framework on a tablet-based device, which is a step in this direction.
CAMS on Tablet leverages mobile, analytics and intelligent processes for on-the-go personalized offers and application capture. The solution is also relevant in next generation bank branches where a differentiated environment is created for HNI customers.
Innovation type: Mobile and tablet UI, PFM, sales
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