Every year, we publish a year-end summary of the top innovations and trends. This year, we are publishing the list of finalists in NetBanker to gather feedback. The final top ten will be published in the next Online Banking Report.

Following are the leading candidates listed in the order they occurred to me, not necessarily their final rank. Let us know which ones you believe deserve top honors and/or nominate other innovators and trendsetters. Use the comment section to provide your feedback. Or if you prefer a more private method, email jim@netbanker.com.

A. Mobile is the new online banking

B. P2P lending gains traction … and new competitors

C. Security fears fade for consumers, grow for bank IT departments

D. Online personal finance firms take aim at Quicken

E. Finance gains a foothold on Facebook

F. Blogging bankers … not!

G. Mint launches like it's 1999

H. Mortgage Marvel launches user-friendly mortgage marketplace

I. iPhone banking shows the future promise of mobile

J. Wesabe widgetizes daily banking

K. Virgin Money crosses the Atlantic

L. Direct banking takes one giant step backwards (NetBank), and six steps forward (FNBO Direct, WT Direct, Huntington Direct, Element Financial, Provident Direct, and others, launch)

M. The alt-payment brands gain a following at online merchants (PayPal, Google Checkout, Bill Me Later)

N. ING launches paperless checking

O. Green banking means something other than U.S. currency

P. Video lands on financial institution websites as part of education and marketing efforts

Q. "Decoupled debit" makes meteoric rise to the top of the industry buzzword list