Finovate Alumni News– August 1, 2013

  • Finovate-F-Logo.jpgKeyBank names ProfitStars software operations strategic partner of the year.
  • Payment Eye interviews Currency Cloud CEO, Mike Laven.
  • Checkpoint Technologies partners with Mobile Labs.
  • Zopa sets record for P2P Lending in UK, amassing a total £20m lent for July.
  • ACI Worldwide again wins SWIFT Certified Application accreditation for its ACI Money Transfer System.
  • Meet the Innovators of FinovateFall 2013.
  • Kabbage announces it’s made 80k advances over 2 years, with an advance volume 4X higher than nearest direct competitor.
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.

Fourteen Alums Recognized in AlwaysOn Global 250 Awards

AOGlobal2503.jpg

This year, 12 Finovate alums were selected among 250 other winners in the AlwaysOn Global 250 awards, and two Finovate alums were identified among 50 other Companies to Watch.

The awards honor the top 250 U.S.-based private tech companies, plus recognize 50 to watch. Some of the underlying themes in this group of 300 innovative companies include mobile technology, cloud-based solutions, and social network integration.

Here are the 12 Finovate alum winners of the 250 Awards, listed in alphabetical order:

BillFloat

    • Category: Consumer Internet
    • Headquarters: San Francisco, CA
    • Founded: 2009
    • CEO: Ryan Gilbert
    • Total funding: $32.5 million
    • FinovateSpring 2011 demo video
    • Category: B2B Applications- SaaS and Enterprise
    • Headquarters: Lexington, MA
    • Founded: 2005
    • CEO: Tom Beecher
    • Total funding: $21.2 million
    • FinovateFall 2011 demo video
    • Category: Consumer Internet
    • Headquarters: Atlanta, GA
    • Founded: 2009
    • CEO: Rob Frohwein
    • Total funding: $53.7 million (plus $91.7 million in debt funding)
    • FinovateSpring 2013 demo video
    • Category: Consumer Internet
    • Headquarters: San Francisco, CA
    • Founded: 2006
    • CEO: Renaud Laplanche
    • Total funding: $220 million
    • FinovateStartup 2009 demo video
    • Category: B2B Applications- SaaS and Enterprise
    • Headquarters: New York, NY
    • Founded: 2007
    • CEO: Noah Breslow
    • Total funding: $102 million
    • FinovateSpring 2012 demo video
    • Category: B2B Applications- SaaS and Enterprise
    • Headquarters: Denver, CO
    • Founded: 2002
    • CEO: Andre Durand
    • Total funding: $78 million
    • FinovateEurope 2012 demo video
Placecast 

    • Category: B2B Applications – Mobile
    • Headquarters: San Francisco, CA
    • Founded: 2005
    • CEO: Alistair Goodman
    • Total funding: $8 million
    • FinovateSpring demo video
    • Category: B2B Applications- SaaS and Enterprise
    • Headquarters: San Jose, CA
    • Founded: 2005
    • CEO: Reed Taussig
    • Total funding: $36.2 million
    • FinovateStartup 2009 demo video
    • Category: Consumer Internet
    • Headquarters: London, UK
    • Founded: 2007
    • CEO: Errol Damelin
    • Total funding: $145 million
    • FinovateFall 2010 demo video
    • Category: Consumer Internet
    • Headquarters: Redwood City, CA
    • Founded: 1999
    • CEO: Anil Arora
    • Total funding: $116 million
    • FinovateFall 2010 demo video
Here are the two listed in the Companies to Watch category:

All companies were selected by industry experts in the following organizations:

  • The AlwaysOn editorial team
  • Morgan Stanley
  • KPMG
  • GSV Capital
  • Greylock
  • Google Ventures
  • New Enterprise Associates
  • Flybridge Capital Partners
  • Accel Ventures
  • Bridge Bank
  • Venrock
  • SV Angel
  • Roth Capital Partners
  • Intel Capital
  • Menlo Ventures
  • Khosla Ventures
  • FirstMark Capital
  • Doll Capital Management
  • Benchmark Capital
  • Cooley
  • GGV Capital
  • Finovate Alumni News– July 1, 2013

    • FinovateLOGO.jpgCorduro teams up with LendUp to provide loans to help pay for medical expenses.
    • Entrepreneur Handbook reports on EZBOB‘s 12-month loan for online retailers.
    • CrowdFundBeat features SeedInvest and its new feature, SeedInvest Groups.
    • TSYS announces completion of NetSpend acquisition.
    • Banking Technology takes a look at LICUOS and the company’s win of Innotribe Startup Disrupt at Next Bank Madrid.
    • SafetyPay and GlobalCollect partner to advance secure Int’l payment solutions to over 300 million consumers.
    • Navallo.net interviews BillGuard CEO Yaron Samid.
    • SecondMarket expands into Bitcoin.
    • Virtual Piggy teams up with Live Gamer.
    • AG Beat describes why Kabbage and other alternative lenders will remain prevalent.
    • miiCard wins award for Technology Innovation in Financial Services at the 2013 ScotlandIS Digital Technology Awards in Glasgow.
    • BlinkMobile Interactive announces partner agreement with Linktech Solutions.
    • Pymnts.com interviews CSI Enterprises CEO, Keith Stone, on recent updates to the company’s globalVcard platform.
    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.

    Finovate Alumni News– May 28, 2013

    • FinovateLOGO.jpgChris Larsen, CEO and co-founder of OpenCoin, calls Ripple, “HTTP for money” in CoinDesk feature.
    • Credit Union Times: ProfitStars‘ Director of Strategic Insight Lee Wetherington talks credit unions and big data.
    • Kalixa Group teams with MasterCard to test prepaid card.
    • Barron’s Electronic Investor column on Quantopian now available to non-subscribers.
    • Mateo’s Tech Travels reviews TransferWise.
    • Business Insider hosts Dwolla CEO Ben Milne in Startup Lab interview.
    • One of the largest financial services corporations in the world invests more than $4.6 million for software, maintenance and professional services with Kofax.
    • American Banker reports: Kabbage’s Fresh Idea for Small Business Finance.
    • TIBCO announces launch of Cloud Bus, a subscription-based Integration Platform as a service (iPaaS) offering.
    • BellaDati opening partner network in Russia.
    • IP Commerce closing payment processing service on June 30.
    • M2CASH rebrands as V2PAY, now offers electronic ID verification, virtual loan solutions, virtual cards & virtual merchant services.
    • Billhighway adds Kids Kicking Cancer as client.
    • Comarch to provide reference, market data to SIX Financial Information.
    • Standard Chartered launches VISA Infinite Credit Card with chip and PIN technology.
    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.

    FinovateSpring 2013 in the Press

    Press.jpg

    Last week’s FinovateSpring 2013 received great coverage through blogs, tweets and articles. Here are the highlights:

    Full conference live blogs

    —————

    Three contributors risked carpel tunnel to cover all 72 demos. Thanks to Erin McCune and William Mills III and Phillip Ryan for going the extra mile!

    Bank Innovation
    by Phillip Ryan
    FinovateSpring recap and ratings
    Day one morning recap
    Day one afternoon recap
    Day two morning recap
    Day two afternoon recap

    PaymentsViews
    Live Blogging Finovate Spring 2013 San Francisco
    by Erin McCune 
    William Mills blog
    Live Blog: FinovateSpring 2013 San Francisco by William Mills III-DAY ONE
    by William Mills III
    Other coverage
    ———————————————————————————————————–
    Affluent Strategies
    What About the Overbanked?
    by JP Nicols

    American Banker
    5 Most Intriguing Companies at Finovate
    by Sean Sposito
    Bank Security Top Focus at Finovate
    Banno Launches Data-Analytics Marketing Feature
    by Sean Sposito
    Crowdfunding Startups Pose New Competition to Commercial Lenders
    by Sean Sposito
    EyeVerify Rolls Out Authentication Service for Mobile Banking
    by Brian Browdie

    GoBank to Go Live on the Fourth of July
    by Sean Sposito
    The Buzz at Finovate: New Security Tech
    by Sean Sposito
    Bank Marketing Strategy
    Musings of a Finovate Virgin
    by Jim Marous
    Bank Systems & Technology
    Digital Marketing Solutions Stand Front and Center at Finovate Spring
    by Jonathan Camhi
    Banking 2020
    FI Spotlight: USAlliance FCU Sees Cross-Selling Success
    Barron’s
    Algorithms for the Masses
    by Theresa W. Carey 
    Bloomberg Businessweek
    Kabbage Expands Its Cash Advances to Brick-and-Mortars
    by Patrick Clark

    Celent
    How to give a killer Finovate presentation
    by Dan Latimore

    Credit Union Magazine
    Finovate Unveils Best of Show Winners

    Finovate Highlights Industry’s Best and Brightest
    by Steve Rodgers
    Look into the Future of Finance
    by Steve Rodgers
    Scenes from FinovateSpring 2013
    by Steve Rodgers

    Credit Union Times
    5 Things You Don’t Know Because You Weren’t at Finovate
    by Robert McGarvey
    Onsite Coverage: Finovate Crowns the Winners
    by Robert McGarvey
    Onsite Coverage: New Security Tools Take Finovate Stage in Numbers
    by Robert McGarvey
    Onsite Coverage: No Clear Winners at Finovate Day 2
    by Robert McGarvey
    Threat of the Week: DDoS Back at You
    by Robert McGarvey
    Tomorrow’s Ideas Spark Interest But Fail to Excite
    by Robert McGarvey
    Des Moines Register
    Banno launches marketing product for banks
    by Marco Santana
    Ecommerce Bytes
    ZooZ Lets Mobile Shoppers Tap an Ad to Buy
    By Ina Steiner 
    FamZoo blog
    My Finovate Scorecard Winners Plus Snarky Tweet Highlights
    by Bill Dwight
    Spend Money Like a Pop Star…Or Not: FamZoo’s FinovateSpring 2013 Demo
    by Bill Dwight
    Filene blog
    Filene Five: Promising Products from Finovate
    The Financial Brand
    7 Reasons to Love GoBank
    by Jim Marous
    Finews.ch
    Neues aus der Finanzwelt der Zukunft
    Finextra
    Banno unveils marketing tool Kernel
    Forrester blog
    FinovateSpring Fling 2013: Another Year of Dazzling Financial Services Delight!
    by Tiffani Montez
    Hotwire blog
    Innovations inspire at Finovate Spring 2013
    by Annette Leach
    IntelliResponse blog
    IntelliResponse Takes Center Stage at Finovate Spring 2013
    by Dwayne Weppler 
    Investment News
    Quantopian launches trading platform pilot program
    by Davis D. Janowski
    Kabbage blog
    Kabbage and Intuit Partner to Fund Small Businesses!
    Lisa LaMagna’s Slideshare
    Finovate SF in 60 Seconds
    by Lisa LaMagna
    MainStreet
    Kabbage Expands Small-Business Financing
    by Laurie Kulikowski
    Man in Ranks blog
    I attended Finovate Spring in San Francisco
    by Christopher Perrien
    Intuit
    by Christopher Perrien
    Newfination
    Finovate Spring 2013: Expensify Is At The Forefront Of Innovation In Business Expense Management
    Finovate Spring 2013: On Finovera You Can Store Your Bills, Statements, And Financial Documents
    Finovate Spring 2013: GoBank Is A New Finance Bank That Enables Smart Personal Money Management
    Finovate Spring 2013: GoodApril Helps You With Your Taxes All Year Round
    Finovate Spring 2013: In San Francisco At The Center Of The New Finance World
    Finovate Spring 2013: Kabbage Approves And Lends Money To Small Businesses in 7 Minutes or Less
    Finovate Spring 2013: Leaf.me Is A Multiprocessor Payment Platform For Merchants
    Finovate Spring 2013: Prestadero Is A Mexican Peer To Peer Lending Marketplace
    Finovate Spring 2013: Realty Mogul Is A Crowdfunding Platform For Real Estate Investing
    Finovate Spring 2013: Refundo’s App Is For The Under and Unbanked
    Finovate Spring 2013: Start A Trust Fund For Each Of Your Kids At TrustEgg
    Finovate Spring 2013: Virtual Piggy Is A Safe Payments System For Your Kids to Spend their Allowance
    Finovate Spring 2013: Walla.by Is A Full Service Credit Card Advisor
    Newsday
    Banking Up Launches at FinovateSpring, Lets Any Business Offer Customers a Trusted Alternative to Traditional Banking
    PandoDaily
    Finovate: Quantopian debuts live data trading for consumer quants
    by Michael Carney
    Pymnts.com
    A VC’s Inside Look At FinovateSpring 2013
    by Dan Rosen
    GoBank Announces Timing of General Availability and National Distribution Relationships at FinovateSpring
    Kabbage Extends Loan Services To Offline SMBs
    TipRanks Wins Best of Show Award at Finovate
    TransCard Congratulates FamZoo, Winner of One of Five 2013 FinovateSpring Best of Show Awards
    The Paypers
    InvoiceASAP, Zebra Technologies
    partner for mobile invoicing solution
    Refundo blog
    FinovateSpring 2013 Trip – Demo Day
    by Michael de Senna
    SF Gate
    ZooZ Previews “In-Ad Payments”™ at Finovate Spring
    Silicon Prairie
    Onstage at Finovate, Banno unveils ad platform for banks
    by Danny Schreiber
    Watch EyeVerify, Banno demo their wares at bank tech event Finovate
    by Fred Bauters
    TechCrunch
    Mobile Payments Startup ZooZ Debuts In-Ad Payments (Yes, “Ad” Not “App”)
    by Sarah Perez
    VentureBeat
    Expensify takes on Freshbooks with invoicing & billing features
    by Sean Ludwig
    Kabbage expands its loans business, now supports Quickbooks
    by Christina Farr
    Y Combinator Blog
    LendUp (YC W12) wins Finovate 2013 Best in Show for consumer loan platform to help the underbanked build credit
    We’ll continue to add coverage throughout the next few weeks. If you have FinovateSpring press coverage you would like to add, please email the link to julie@finovate.com.

    Kabbage Launches QuickBooks Financing Integration

    This is a part of our live coverage of FinovateSpring 2013.

    KabbageLogo.jpg

    Next, Kabbage took the stage to demo how it uses QuickBooks data to underwrite small business loans:

    “Kabbage has partnered with Intuit to provide simple and easy access to funding for QuickBooks customers. Kabbage is the first company on Intuit’s QuickBooks Financing Platform to underwrite customers solely based on QuickBooks data. With Kabbage, customers receive instant approvals; funds can be available within minutes when they use PayPal to receive funding.”


    Product Launch: May 2013
    HQ: Atlanta, GA
    Founded: February 2009
    Metrics: $56M in equity funding; $93M in debt funding in two rounds; 95 employees; more than 100,000 accounts
    Website: kabbage.com
    Twitter: @kabbageinc
    Presenting Marc Gorlin (Chairman) and Rich Preece (Director, QuickBooks – Intuit)

    IMG_1835.JPG
    IMG_1837.JPG

    Finovate Alumni News– May 7, 2013

    Finovate-F-Logo.jpg

    • Expensify adds corporate card reconciliation for more banks, including Wells BofA, and Citi. See Expensify’s demo at FinovateSpring.
    • Forbes interviews Marc Gorlin, co-founder of Kabbage. See Kabbage’s new tech next week at FinovateSpring.
    • PayNearMe hires Billy Robbins, former VP of PFM at Wells, as its VP of business development. Come see PayNearMe’s demo at Finovate.
    • Kashoo tops 100,000 registered users and more than 50,000 iPad downloads of its cloud accounting app.
    • PaymentsSource interviews CashStar chief marketing officer Gene Cornfield on mobile commerce.
    • Kalixa to become its own company, separating from Bwin.
    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.

    Finovate Alumni News– April 25, 2013

    • Bank Independent picks Jack Henry Banking’s SilverLake technology for enterprise-wide automation.
    • TSYS Merchant Solutions launches Pay in Your Currency multi-currency solution.
    • CommunityLend earns spot on Branham300’s Top 25 Up and Coming companies roster.
    • ID Analytics introduces new version of Credit Optics Credit Score for more insight into consumer behavior.
    • Kofax ranked a “Leader” by Forrester Research in The Forrester Wave report.
    • AGBeat features Kabbage. Check them out at FinovateSpring.
    • Kony Solutions announces record year in FY2013, growing 90% YOY. Hires Abhay Parasnis as President and COO.
    • Mobile World Live takes a look at Zooz’s recent funding round. Meet Zooz in San Francisco as they demo their technology as part of FinovateSpring.
    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.

    Finovate Alumni News– April 12, 2013

    Finovate-F-Logo.jpg

    • RIA Biz takes a look at BrightScope’s plan to make advisory fees public.
    • DietBet.com crowdfunds more than $300,000 via SeedInvest. Join SeedInvest in San Francisco for FinovateSpring in May.
    • Finovate alumni make a strong showing in GoodApril co-founder’s list of tax preparation innovation. Meet GoodApril at FinovateSpring.
    • VentureBeat features Ripple developer OpenCoin. See OpenCoin in action at FinovateSpring in May.
    • DroidBeans reviews Pageonce for Android.
    • Puget Sound Business Journal highlights the role of Realty Mogul in a local real estate deal. Join Realty Mogul at FinovateSpring.
    • PayPal buys Iron Pearl, a startup that helps companies make their products more attractive to customers.
    • Reuters looks at a case study of how FutureAdvisor is used to save for retirement.
    • PYMNTS looks at Kabbage’s “secret weapon”
    • New York Times Business Day interviews Sabrina Parsons, Palo Alto Software CEO. Come to FinovateSpring to watch it demo LivePlan.
    • Channelnomics reports: Check Point Launch Makes Small Branch Foray.
    • Dwolla takes top honors at Prometheus Awards in Des Moines.
    • Massolution’s Crowdfunding Industry Report places Lending Club and Prosper as leaders in the industry.
    • American Banker considers On Deck Capital’s growth.
    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.

    Finovate Alumni News– April 4, 2013

    • Finovate-F-Logo.jpgKabbage brings in $75 million in debt financing.
    • Finextra reports: eToro launches social alerts app.
    • PaymentEye features Virtual Piggy. Come see its live demo at FinovateSpring next month. http://bit.ly/Zaunjl
    • Business Solutions speaks with Jason Richelson, ShopKeep POS CEO, who debunks the myth that cloud POS fails when the internet shuts down. 
    • TechCrunch TV interviews Nick Hungerford, Nutmeg CEO on how he aims to disrupt the financial investment world.
    • Verity CU features FamZoo, makes it available to members. Come see FamZoo’s latest development at FinovateSpring.
    • Kashoo releases new version of iPad app.
    • Monitise Executive Vice President Lisa Stanton interviewed by Bdaily.
    • Jack Henry & Associates’s Symitar platform to be deployed by Kitsap Credit Union.
    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.

    Kabbage Brings in $75 Million in Debt Financing

    KabbageLogo.jpg

    Kabbage, a startup that provides working capital to online merchants in the U.S. and U.K., announced today it received $75 million in debt financing.

    Victory Park Capital led the round. Existing investor, Thomvest Ventures, also contributed.

    KabbageFlow.jpg

    According to Crunchbase, from 2010 to 2011 the Atlanta-based startup received almost $17 million in debt financing. 

    It has also raised more than $53 million in equity funding, including:

    Venture Round, $6.65 million
    Closed: January 2011
    Investors:
    • BlueRun Ventures
    • David Bonderman
    • Warren Stephens
    • UPS Strategic Enterprise Fund
    Series B, $17 million
    Closed: August 2011
    Investors:
    • Mohr Davidow Ventures
    • BlueRun Ventures
    • Warren Stephens
    • UPS Strategic Enterprise Fund
    • Jim McKelvey
    Series C, $30 million
    Closed: September 2012
    Investors:
    • Thomvest Ventures
    • UPS Strategic Enterprise Fund
    • Mohr Davidow Ventures
    • BlueRun Ventures
    • Warren Stephens
    • David Bonderman
    • SV Angel

    According to TechCrunch, Kabbage’s new debt funding is due to the massive growth it has seen recently. It has extended more than 60,000 advances, which have quadrupled in volume year-over-year.

    To learn more about Kabbage, watch its FinovateEurope 2013 demo.

    Nineteen Finovate Alums Win 2013 PYMNTS.com Innovator Awards

    InnovationProjectIMG.jpg

    PYMNTS.com, a website owned by Business Wire and Market Platform Dynamics, recently published the winners of the 2013 Innovator Awards.

    Three Finovate alums were selected as overall Best in Show winners:

    First place: Pangea Payments

    • Innovation: A new way to send money anywhere, at a flat fee, instantly, leveraging the prepaid rails.
    • Finovate demo: Will demo at FinovateSpring 2013 in May 14 & 15
    Second placeWaspit 
    • Description: Combining mobile payments with social media channels to empower and inform the user in everyday purchases.
    • Finovate demo: FinovateFall 2012
    Third placeLeaf
    • Description: Small business payments solution
    • Finovate demo: Will demo at FinovateSpring 2013 in May 14 & 15

    In addition, five Finovate alums took home Gold awards, five won Silver awards, and seven were awarded in the Bronze category. Here is a summary of all of the winners:

    Gold

      • Category: Most innovative
      • Innovation: PayPal POS Initiatives that leverage its worldwide digital wallet accountholder base.
      • Finovate demo: FinovateEurope 2012
      • Category: Best credit
      • Innovation: The consumer’s advocate for demystifying credit with a range of tools and information resources to help them monitor and manage their financial health.
      • Finovate demo: FinovateStartup 2009
      • Category: Best B2B innovation
      • Innovation: Online working capital for small businesses.
      • Finovate demo: FinovateEurope 2013
      • Category: Best SMB innovation
      • Innovation: Small business payment platform integrated with Quickbooks.
      • Finovate demo: Finovate 2009
      • Category: Best innovation via ACH
      • Innovation: Cash flow management, accounts payable/ receivable management platform
      • Finovate demo: FinovateSpring 2011
    Silver
      • Category: Most invisible
      • Innovation: Platform-as-a-Service that powers POS 2.0 commerce solutions.
      • Finovate demo: FinovateSpring 2012
      • Category: Best credit
      • Innovation: Offers consumers “more time to pay” their bills on time to help avoid late fees, overdraft charges, service termination and high cost loans.
      • Finovate demo: FinovateSpring 2011
      • Category: Best cash
      • Innovation: Enables consumers to shop online and pay with cash easily for a wide range of goods.
      • Finovate demo: FinovateSpring 2011
      • Category: Best SMB innovation
      • Innovation: Cloud-based, small business platform that integrates invoicing and payment acceptance in one system.
      • Finovate demo: FinovateSpring 2012
      • Category: Best comeback
      • Innovation: Alternative business financing that helps businesses tap into the capital it needs to run the business.
      • Finovate demo: FinovateEurope 2011
    Bronze
      • Category: Most disruptive
      • Innovation: Mobile checkout service that enables one touch payments across multiple applications.
      • Finovate demo: FinovateSpring 2011
      • Category: Best technology
      • Innovation: OneID lets people sign in without usernames and passwords, yet delivers authentication solutions with non-repudiation, keeping both people and businesses safe from today’s biggest identity and personal information threats.
      • Finovate demo: Will demo at FinovateSpring 2013 in May 14 & 15
      • Category: Best newcomer
      • Innovation: Aggregates financial account information and allows users to manage their money in one place, online or with a mobile device.
      • Finovate demo: FinovateSpring 2012
      • Category: Best credit
      • Innovation: Brings together investors with creditworthy borrowers to reduce the cost and complexity of traditional lending.
      • Finovate demo: Finovate Startup 2009
      • Category: Best debit
      • Innovation: Reinventing personal banking with modern online and mobile experiences, no surprise fees, and great customer service.
      • Finovate demo: FinovateFall 2011
      • Category: Best prepaid
      • Innovation: A new way to send money anywhere, at a flat fee, instantly, leveraging the prepaid rails.
      • Finovate demo: Will demo at FinovateSpring 2013 in May 14 & 15
      • Category: Best check
      • Innovation: Mitek’s patented mobile imaging technology allows users to remotely deposit checks from anywhere, at anytime by snapping a picture with their camera-equipped smartphone or tablet, and has become the “gold standard” for mobile check deposit.
      • Finovate demo: FinovateSpr
        ing 2012