• PayNearMe also demoing multiple bill payment at 7-eleven and finally international remittance via Ria; great role play on stage! 

• PayNearMe demoing three obligations paid via a cash transaction at the 7-eleven store; first a Progreso Financiero payday loan pmt 

• Corduro demoing a use-case where a non-profit can take donations/payments on-the-go; launching today MobilizeYourArmy.com 

• Corduro “Square meets Paypal meets your wallet” mobile payments solution 

• Launching OpenCuro network today, so that the codes can be generated from within a bank’s secure site 

• OpenCuro launching new online payment system with increased privacy & security; uses one-time random alpha-numeric code 

• Ideon also launching system for FI to create new value-added CDs, speeds time-to-market “minutes, not months” 

• Ideon launching Choice Savings, a certificate of deposit sales system where user can create a customized deposit product 

• MyBankTracker.com, with 500,000 unique visitors/mo, launching Plentifi, an app to mobilize the PF community; includes real-time Q&A 

• Aptys showing a mobile billing system, with invoice creation and payment by check with remote image capture through iPad2 camera 

• Aptys Solutions, a FI payments hub, launching “aMobile” mobile payments capabilities 

• Enloop demoing a biz owner setting up the financials for proposed business; assigns EPS performance score; creates biz plan 

• Enloop launching beta today; allows anyone to complete online business plan & have it scored with algorithms that predict success 

• edo Interactive showing how fast reward is redeemed; user has money in their bank account within a minute

• edo Interactive demoing co-brand with Fifth Third Bank which is now live for its 4.5 million customers 

• edo Interactive launching Prewards: merchant-funded rewards with real-time redemption and immediate notification

• payDivvy launching to the public today 

• payDivvy can be used to share and divide recurring bills among roommates; has a built in “ping” function to remind roommate to pay 

• payDivvy launching publicly today the first social billpay system, ie. bill sharing, a “missing function in today’s systems” 

• Kony demoing its mobile-web app, that behaves the same as native app; and first Blackberry app of the day 

• Kony Solutions, used by 40 global customers, showing a customized mobile app with remote deposit capture

• ChargeSmart currently processing $111/min across all payment methods 

• ChargeSmart offers a percentage (up to 92%) of gift card balance which customer can accept/reject; then apply to bills 

• ChargeSmart partnering with PlasticJungle to launch system to turn unused gift cards into currency to use to pay monthly bills 

• Adobe user interface very sophisticated, both online, mobile phone and tablet (i’m ready for my bank app to look like that) 

• Adobe showing online cross-selling platform with slick Facebook/Twitter integration 

• Openfinance working today with 60 European financial institutions 

• Openfinance showing customization of “Open workplace” with plug-and-play modules; includes mobile and iPad version of dashboard 

• Openfinance from Spain launching an advisor platform to better counsel clients online 

• Expensify launched mobile photo receipt capture to make it easier to upload expenses into the system, “a most requested feature” 

• Expensify working on holy grail, “one-click expense reporting”, demoing auto reconcile, auto categorization, showing biz card scan 

• Expensify hits the stage running, “expense reports that don’t suck,” great start to final afternoon

• BancVue beta clients delivering to 100 schools, 10,000 students; showing how it is used to increase sales, build relationships 

• BancVue MoneyIsland includes “teacher and parents dashboard” to track students’ progress, also can link to offline curriculum 

• BancVue launching youth-oriented financial gaming system, Money Island, a financial education platform 

• Tile Financial “young adults engage with images, not spreadsheets” so interface very visual oriented; live with FI & 2 more coming 

• Tile Financial, a financial mgmt program for Gen Y, launching Financial Identity, the money version of a social network profile 

• PrivatBank’s Liqpay launching PaytoFace, a peer-to-peer system for paying Facebook friends by clicking on their profile pic 

• Currensee launching today the “Portfolio Builder”, with dynamic update of total risk in portfolio 

• Currensee includes social piece, where you can follow and invest with the actual trades by top-performing network members 

• Currensee has invented “new way to invest” in world currency market; targeted for retail investors ($4 tril per day in volume) 

• eWise demoing mobile purchase at the point of sale, also mobile bill payment by scanning QR code with mobile camera 

• eWise walking thru online purchase via US Bank, user needn’t pre-register, automatically available when bank joins network 

• eWise onstage with U.S. Bank demoing Payo, Secure Vault Payments, online in production @ US Bank & will be piloting mobile in 2011 

• BillShrink demoing private-branded (Chase) mobile version to find and track rewards; “geo-enhanced” of course 

• BillShrink launching “reward discovery”; how user behavior incented to unlock additional rewards, eg. spend “X” more get, Y bonus 

• BillShrink launching Statement Rewards Mobile; announcing 4 innovations today; showing rewards on a Chase bank statement 

• RobotDough also includes 15,000 defunct companies to eliminate “survivor bias” from back testing; can browse investing strategies 

• RobotDough launching worldwide coverage to ALL 45,000 global public companies; w/ 20 years historical data for powerful back tester

• RobotDough launching investor tools, drag-and-drop visual screener; uses powerful natural-language search queries 

• Q2eBanking launching fraud monitoring, and fraud reduction, solution for community banks and credit unions 

• Discover Money Messenger a
  lso works online, new tab in Discover site, “Send Money” and says “powered by PayPal” on top of page 

• Any Discover cardholder can now send money via mobile to other cardholders or to any mobile number; demoing live on stage, worked! 

• Paypal and Discover launching Money Messenger using Paypal’s X open payment platform 

• Bills.com debt coaching service is free to consumers; integrates with DebtGoal 

• Bills.com shows costs and APRs for every open credit line; and helps figure savings, eg. from a mortgage refi 

• Bills.com demoing Debt Coach to help consumers manage & minimize debt; integrates ACTUAL INFO from Experian credit report 

• GoalMine reminds of goals, “weight watchers for money” and moves money to invest accts; also only way to invest via Facebook” 

• GoalMine allows users to set “pledges”,eg “stop buying lattes,” then with geo, when walking in Starbucks reminds not to buy 

• GoalMine launching mobile system for easy “retail” investing; making investing “as easy as updating twitter/facebook feed” 

• Silver Tail dashboard has column with “user skew”, rates each click’s deviation from expected behavior, red flag for oddities 

• Silver Tail Systems launching new behavioral monitoring on individual mobile/online clickstream 

• In addition to credit bureaus, TrustedID monitors black market to see if card stolen; also upsells to choice of 15 paid versions

• TrustedID launching free ID theft protection service, ID Safe; “free for life” no credit card needed; only distributed via partners 

• HelloWallet has a secondary navigation category, “Reduce Spending” with item count, good approach; showing examples 

• HelloWallet has been distributed through employers as employee benefit, but today are opening up to the general public 

• HelloWallet positioning as online “wealth building service” to differentiate against other PFMs 

• Wipro mobile also includes expense-claim module, employee time-sheet input, payroll, etc; very comprehensive 

• Wipro showing easy mobile positive pay system, an important feature for businesses and even consumers who crave extra control 

• Wipro demoing new mobile solution for small/mid-size business management 

• Mitek Systems showing the photo capture of a bill, then OCR conversion captures payee name & payment amount 

• Mitek, which made its name in mobile check deposit, introducing “mobile photo billpay, to pay bills directly with camera phone 

• Interesting to see “override” (the credit decision) button in the Experian dashboard, looks easy to navigate 

• Experian Business Information Systems launching Business IQ Premier, an interface for managing credit decisioning 

• FreeMonee launching today at Finovate, first national gift (card) network delivered; distribution is through banks for trust & convenience

• Day 2 at Finovate starts with FreeMonee by giving out some $25 Best Buy and Nordstrom gift cards to audience, benefit of sitting up front!

• That’s a wrap for day 1; turn in those Best of Show ballots for free Starbucks card, see you tomorrow 

• Backbase showing how banks can customize end-user experience by adding new apps in near-real time; Strands included in app store. 

• Backbase launching Backbase App Store for online, mobile, and tablet apps 

• LendStreet is “P2P lending meets credit counseling” and captures discounts lenders offer to get bad debt off their books 

• LendStreet launches system to help consumers restructure debt with retail investors funding; specialized P2P lending niche 

• Balance Financial also launching iPhone app with image capture to upload picture of bills to personal bookkeeper 

• Balance Financial looks at bills received & determines whether to pay automatically or flag for further review; fee-based service 

• Balance Financial launches alternative to DIY financial management using algorithms, tech & nationwide network of human bookkeepers 

• ID Analytics demoing mobile integration; cool dashboard with patented ID score on green/yellow/red dial; protect 2 mil users now 

• ID Analytics, “minutes count with ID theft,” leveraging cross-industry ID network to instantly alert consumers when theft occurs

• oFlows demoing customer loan app on iPad with signature; using iPad2 camera to upload photos of two forms of ID for compliance 

• oFlows takes the paper out of paperwork; launching new process which mobilizes the entire product application process 

• Lendio does a soft-pull from Equifax so there’s no hit to credit score while the biz is loan shopping 

• Lendio assists the small business lending process by matching qualified prospects with lenders who could reasonably approve loan 

• Bankons using “Bruene C.U.” in its mobile mockup (gotta love that) and a 2-for-1 offer at Skool after the show.

• BankOns using Yodlee data aggregation; offers white-labeled turn-key or use of API to integrate directly into FI’s mobile app 

• BankOns launching today; delivering through the FI geo-located merchant offers, mobile optimized, android and iphone 

• Dwolla has 10 financial institutions signed, using FiSync; showing dashboard that shows where users are transacting

• Dwolla is demoing its person-to-person payment app; side note: our 2nd Finovate alum from Iowa (also @smartypig) 

• Figlo demoing investment tools; today launching iPad app and Android app 

• Figlo showing its dashboard, advanced online PFM user interface; launching multi-currency

• Braintree helped LivingSocial sell 1.3 million Amazon gift cards in 24 hours and stay PCI compliant 

• Braintree providing LivingSocial with credit card acceptance using “transparent redirect API ” to offload risk /compliance 

• Kiboo mobile has goals, funds transfer, product discovery with geo-location, NFC-enabled POS purchase, social network integration

• Kiboo launching mobile app companion to the online youth-oriented banking platform 

• Ready Receipts allows users to upload receipts or, with merchant participation, get paperless receipt at POS and opt out of paper 

• Ready Receipts launching system to get rid of paper receipts; showing receipt dashboard 

• See Afiniate in the hall this afternoon; I’m sure their iphone will connect the minute they step off stage 

• Affiniate launching on-the-go financial coach to turn mobile app into customer’s personal financial advisor 

• Mint.com launching mobile advice, alerts when available credit gets too low; some advertisers get more leads by mobile than online 

• Mint.com says 50% of users have smartphone attached to acct; 20-25% of new users coming via mobile app and using mobile only 

• Bill.com charging $0.49 fee for invoices paid via electronic payment; something businesses will like 

• Bill.com launching mobile version for biz owner to handle/approve bills, make payments and handle receivables 

• Bill.com showing online invoicing system for small businesses; moving $2.5 billion in bill payments annually 

• Showing peerTransfer
  in use at Boston-based Suffolk University; novel use of peer-to-peer services 

• peerTransfer launching p2p international money transfer service; currently offering for tuition payments for intl students 

• Wikinvest taking signups for beta users of SigFig 

• Wikinvest launching SigFig; helps users analyze trading fees & commissions they are paying; compares to peers and other providers 

• BillFloat showing easy to understand disclosure on complete cost of short-term loan; merchant can offer fee discount 

• BillFloat system for helping users get individual bills paid, introducing “Less is More” to help users get correct size loan 

• Profitstarts also allows line-level employees to make individual pricing decisions in the same tool 

• Jack Henry’s ProfitStars introducing Margin Maximizer Interactive, a system to help FIs make better pricing decisions 

• Billeo ShopSmart includes option to show Groupon and other daily deals into the interface; working with 2 of top 5 card issuers 

• Billeo has seen conversions as high as 8% on offers; includes integration to Facebook to share product info 

• Billeo launching integration of merchant offers into mobile search results; demoing slick integration on iPad 

• Arroweye can be integrated into secure online banking; choose from clipart or upload own image and resize to fit card exactly 

• Arroweye Solutions is launching a highly-customized online digital design platform for debit/credit/prepaid cards 

• Doxo showing for first time the business control panel, dashboard for talking with customers, as easy as tweeting or Facebooking 

• When billers are connected to user via doxo they can communicate billing info and other account info right through doxo

• Doxo solving paper statement problem, only 15% paperless; “why isn’t interacting w/ billers as easy as talking to friend @Facebook 

• HOYOS selling USB device for $99, not a hurdle for business users and high net worth 

• HOYOS is showing actual live login with eye scan to Twitter, Gmail, Paypal and Facebook and they all worked! 

• HOYOS launching EyeLock, a biometric system to login to any of your online accounts with iris scan via USB device 

• Bancbox showing acct opening; integration with LoanBack (p2p loan platform); includes reporting, reg compliance, educational tools 

• Note to self: copy that cool spotlight Bancbox is using to highlight features on screen 

• BancBox launching “API to US banking system” (awesome opening line) so fintech startups can quickly offer bank & pay services 

• Code Green showing how FI clients can customize how their rates look; showing results via Virginia Credit Union mockup 

• Code Green launching Ratecast to help FIs get their rate info into the market, showing integration with Facebook

• Kabbage is launching today their support for Amazon merchants in addition to eBay 

• Kabbage, which funds online merchants, launching system that rewards them (w/ more capital) for adding more data to Kabbage acct 

• Gold Bullion showing dashboard: buy & choose where metal is stored. Fully audited & insured; integrate with other asset mgmt systems 

• Gold Bullion International showing online precious metals trading platform; makes buying the metals as easy as buying securities 

• Xero showing simple report generation via drop-down boxes, makes it easy create and share reports; showing NZ accountant search 

• Xero out of New Zealand is showing its online accounting dashboard with business indicators to help manage 

• Intellaegis tools save 1 hour /day per employee plus increases their effectiveness; Findex score = how easy to find person 

• Intellaegis demoing MasterQueue dashboard which gathers public data on loan holder incl. social networks; develops Findex score 

• Intellaegis launching system to better manage massive data gathered for loan collections 

• Bundle’s merchant tool shows average ticket value to see how expensive, showing example from Ozumo in SF; also discovery tools 

• Bundle is demoing new merchant recommender so users can see where others are spending their $$; calculates loyalty score 

• Clovr Patch is the consumer UI for tracking offers and redemption; good web 2.0 look and feel; also links offers to mobile 

• Clovr Media (Card Linked Offers Virtual Redemption) starts Finovate off with huge new opportunity, merchant-funded rewards systems