At yesterday's second annual FinovateEurope, 35 companies laid it on the line with in the grueling 7-minute demo format plus a day of networking in the old London fish market on the Thames.

For the first time ever, and much to our astonishment, every demo finished at or under the time limit. Thankfully, we never had to hear the bell signifying that time is up.

At the end of the last demo, eligible audience members (note 1) voted for their 3 favorite demos (note 2). All 35 companies received votes (employees of presenting companies cannot vote), but 4 stood out in the vote tally (alphabetic order):   

• Cardlytics (with Aimia) showed its in-statement ad platform and management tools (demo recap)
  
  
• Dynamics which launched it's "chip and choice" card for
  the chip & pin world (demo recap)
  
  
• eToro which launched its crowd-sourced "guru finder"
  to help located traders to follow/copy (demo recap)
  
  
• Nutmeg launched an investment service focused around the needs
  of the everyday investor (demo recap)

Dynamics and eToro are previous Best of Show winners. You can read our live blog posts on each demo now. And in 2 or 3 weeks we'll have the full demos available at Finovate.com.

Thanks to everyone who attended and presented. We are truly humbled by the support from the European financial community and we are already making plans for the 2013.

------------------------------

Notes on methodology:
1. Only audience members NOT associated with demoing companies were eligible to vote. Finovate employees did not vote.   
2. Attendees were encouraged to note their favorites as the day went on and choose 3 favorites from just the demos of that day. Ballots were turned in at the end of the last demo session each day. 
3. The exact written instructions given to attendees: "Please rate (the companies) on the basis of demo quality and potential impact of the innovation demoed. Note: Ballots with more than three companies circled will not be counted." 
4. The four companies appearing on the highest percentage of submitted ballots were named Best of Show.

FinovateEurope 2012 is just over two months away and it is shaping up to be a great conference. The quality and number of applications we received from companies seeking to debut their latest fintech innovations at the event was truly impressive. That quality meant hard choices for us during the selection process but it also means an amazing showcase of new ideas in European financial technology for the audience.

On February 7th next year, the following companies will take the stage in London to demo their latest and greatest innovations (we'll also be revealing a couple of "stealth" additions to this list closer to the event):

If you'd lock in your spot to watch the future of financial and banking technology debut in London next February, please register soon. Tickets for the event are selling quickly -- well ahead of last year's pace when we sold out weeks ahead of the conference. In addition, register by Friday December 2nd and you'll get the affordable very early-bird price on your ticket.

FinovateEurope 2012 is sponsored by: BlueRock Consulting & The Bancorp Bank

FinovateEurope 2012 is partners with: BankerStuff, BankInnovation, Deutsch Startups, The Financial Services Club, The Financial Services Innovation Centre, and PYMNTS.com.

As I watch the discussion of the EU's (and the world's) financial state in the media these days, I can't help but see tremendous entrepreneurial opportunities. From helping individuals to manage their money more confidently to helping banks to find new revenue streams to helping small businesses with alternative lending options and much more, there has never been a better time to be innovating in financial technology.

FinovateEurope 2012 is partners with: Deutsch Startups, The Financial Services Club, and the Financial Services Innovation Centre

As a child, my family traveled all over the country by car, visiting just about every major city in 45 states. But my dad always steered at least 50 miles clear of New York City, so I didn't get my first taste of Manhattan until I was almost 30.

Now, it's my favorite city in the world, and I'm thrilled we are able to bring FinovateFall 2011 back to the Big Apple for the fifth time. And for the fifth straight time, we've broken the previous attendance record, with a crowd of 1,000 descending on Pier 92 Tuesday. Thanks everyone for your support!

----------------------------------

Schedule: Registration begins at 8:00 AM Tuesday and Wednesday, with demos starting at 9:00 AM each day. We'll announce the Best of Show winners at 5PM Wed. 

Live blog: This year, we'll be live blogging the product announcements here on Netbanker. You can also follow the usually-quite-active Twitter stream at (#finovate). And I'll also be adding my 2 cents through our Finovate Twitter account. While there's no live video stream, we'll post full-length videos of each demo at Finovate.com within a few weeks.

Presenters: Sixty-four companies will launch new products via live, 7-minute demos from stage. Here are the presenters in alphabetic order.

We're very excited to be returning to London next February for our second annual FinovateEurope conference. After selling out our debut European conference weeks in advance and winning rave reviews from attendees, next year's event is not to be missed (get your ticket now to ensure you can attend -- and save £400 via the lowest ticket prices we'll offer).

For 2012, we've expanded to a larger and nicer venue right on the Thames river in central London so that you can watch fast-paced demonstrations of the best new ideas in European financial and banking technology in comfort. In addition, Finovate attendees have a chance to network with hundreds of leading financial executives, entrepreneurs, industry analysts, major press, bloggers, and venture capitalists.

If you're a startup, established fintech company, or financial institution innovating in financial or banking technology, we'd love to have you apply to demo your latest and greatest at the conference. To get more details, please email us at demo@finovate.com.

If you're interested in watching the future of financial and banking technology unfold live on stage (and can't make it to FinovateFall in NYC in September) then get your pre-sale ticket today for FinovateEurope 2012 and save £400 off the list price. Tickets have already started to sell before this formal announcement and we don't want you to miss out! We'll see you in February!

FinovateSpring 2011 is a wrap. It was an inspiring two days, with 64 demos, all with an interesting twist or two or three on the state-of-the-art.

In the end, seven were chosen by the audience as best of show, but it was a tight race. Most companies received a significant number of audience votes and piles of business cards in the networking sessions.

The FinovateSpring 2011 Best of Show winners (in alphabetic order):

• BancVue for its youth-oriented financial game system, MoneyIsland
• BankOns (company launch) for its mobile merchant-funded rewards system
• Dwolla for its alternative payment service (taking root in Iowa)
• oFlows for mobilizing the application process via iPad2
• Mitek Systems for Mobile Photo Billpay, doing for paper bills what it did for checks
• PayNearMe for enabling online bills and transfers to be paid with cash at a 7-11 store
• Wikinvest for SigFig, a service to help users understand investment costs & alternatives

Congratulations! And thanks to everyone who presented, sponsored, attended and followed the #finovate tweets.

------------------------------

Notes on methodology:
1. Only audience members NOT associated with demoing companies were eligible to vote. Finovate employees did not vote.   
2. Attendees were encouraged to note their favorites as the day went on and choose 3 favorites from just the demos of that day. Ballots were turned in at the end of the last demo session each day. 
3. The exact written instructions given to attendees: "Please rate (the companies) on the basis of demo quality and potential impact of the innovation demoed. Note: Ballots with more than three companies circled will not be counted." 
4. The seven companies appearing on the highest percentage of submitted ballots were named Best of Show.

We just finished the dress rehearsals for the latest Finovate conference. We've worked out the glitches, seen some amazing new products, and look forward to putting 64 cool fintech innovations through their paces Tuesday and Wednesday.

It will be the biggest Finovate yet, with more than 800 packing San Francisco's Design Concourse Exhibition Center. You can track the audience reaction in real-time with the Twitter hashtag #finovate. And I'll be live Tweeting from netbanker during the next two days.

The 64 demoing companies are show below (see here for a list with links).

Looking forward to seeing everyone tomorrow!

FinovateSpring 2011 is only one week away! But don't worry, there is still (a little) time to get one of the remaining tickets to watch 64 new fintech innovations debut in the fast-paced, demo-only, no-slides-allowed format that Finovate audiences love.

Speaking of the audience...we're expecting the largest turnout ever for a Finovate event with over 800 senior financial executives, venture capitalists, industry analysts, press, bloggers, and fintech entrepreneurs packing the auditorium in San Francisco.

Here's just a (very) small sample of the institutions that are attending:

Please register as soon as possible to lock in your spot and join this amazing audience. We'll see you in San Francisco next week!

FinovateSpring 2011 is sponsored by: The Bancorp, Tier One Partners, and the law firm of CB&S.

FinovateSpring 2011 is partners with: BankInnovation.net, BankerStuff, CardWeb, Filene Research Institute, Finance on Windows, PYMNTS.com, Mercator Advisory Group, Mobile-Financial.com and TheStartup.eu

Our first Finovate Europe concluded a week ago today. It was personally a great experience, and from the feedback on our survey, it seemed to go over well with attendees and presenters alike. Thanks to everyone who made it possible.

If you'd like a PDF copy of the attendee guide, it's now available free-of-charge at our Online Banking Report website (registration required if you are not already an OBR subscriber).

The guide contains a one-page synopsis of each of the 35 demoing companies. We'll also be posting full-length videos of each demo at Finovate.com later this month.

#Finovate Tweet stream from @netbanker (1 Feb. 2011)
Following is my live tweet stream from the Feb. 1 event, rearranged into alphabetic order by demoing company:

• FinovateEurope kicks off with Chris Skinner doing 7 minutes on financial innovation; love the Susan Boyle tie-in
• AcceptEmail is showing its interactive ebilling platform; average recipient pays bill 15 days sooner
• AcceptEmail uses color to show if bill is paid; blue before it's paid, green after payment; great user interface
• Backbase launch of Backbase Bank 2.0 portal, showing how easy it is to custom-build a financial dashboard
• Backbase showing personalization of marketing messages using drop-downs; also works cross-platform, online, tablet & mobile
• BOKU showing its payment system to buy virtual goods in Playfish (EA) soccer game within Facebook; uses mobile to authenticate
• Love it when the PC-to-mobile integration works live on stage; BOKU completed entire transaction in 30 to 40 seconds
• BusinessForensics is launching "dynamic trans profiling" integrated with forensic database; showing one-million transaction-database loading
• BusinessForensics doesn't rely on rule-based algorithms, tracks behavioral patterns in real-time; dark-gray interface is an eye-pleaser
• Cardlytics showing its "transaction-marketing platform" wherein offers are embedded in statement and based on consumer's actual spending
• Cardlytics rewards summary provides user feedback; shows offers outstanding, cumulative cash earned (can be $100+/yr), etc.
• Cardlytics merchants seeing response rates 50-100x higher than typical online marketing; earning advertisers $6 per $1 spent
• Cardlytics says more than 15 million HHs today, expecting 60 mil (50% of U.S. population) on system by mid-year
• Capital Access Network is showing the Spanish version of its Daily Remittance platform
• Capital Access "go beyond wait & hope" with daily info on how a loan client's revenues are performing against initial projections
• Cortal Consors from BNP Paribas is launching "Hopee" social network for stock picking; adding 200-300 members per day
• Cortal Consors creating track record, like eBay sellers; create leaderboard; adding entertainment to platform
• eToro trading platform allows social networking/collaboration around trading currency and commodities; demoing on Facebook
• eToro launching OpenBook (CopyTrade & CopyTrader), allows users to follow & copy trades of other users; offering $100 to #finovate audience
• eWise announcing new "Payo" pay-by-bank system for United Kingdom; allows users to make online purchases directly through their online bank
• eWise is demoing mobile version, showing purchase via QR code printed in a magazine ad or on a billing statement
• Fidor Bank showing the Fidor Pay ewallet; includes ability to purchase precious metals & virtual currencies like Facebook credits
• Fidor Bank enabling "banking with friends" to make online banking social; "no law that says banks must bore customers"
• Figlo "financial globalization" is launching new product that breaks down complex financial advice process into simple steps
• Figlo unique user experience with drag-and-drop "financial cards;" works cross-platform including smartphone, iPad, etc.
• Finantix says one million financial advisors use massive amounts of paper when meeting with clients; iPad is better way
• Finantix launching suite of iPad applications for financial advisors; demoing how it works in a face-to-face client discussion
• Finantix will also be introducing a suite of apps for retail banking and commercial banking
• FriendsClear is showing first p2p lending site in France, has been live for one year; focuses on financing small businesses
• FriendsClear showing list of projects investors can fund; each has a full page detailing the business plan, financing needs, etc.
• FriendsClear project page integrates with the small business borrowers social networks, Twitter, Linked:In, Facebook, etc.
• FriendsClear launching investor dashboard "gauge of future," predicts returns of portfolio & liquidity; advances state-of-the-art
• HelpMyCash.com is launching the first financial app store to purchase and/or find free custom analysis from experts
• HelpMyCash platform can be integrated into a bank site, either as a revenue producer or a way to differentiate themselves
• IND Group works on user experience; demo of great online banking search with natural language-based "transaction spotter"
• IND Group showing transaction-location mapping system, shows "map view" of where you spent money; great web 2.0 feature
• Ixaris launching OPN Card Guardian platform for developing payment solutions that use Visa, MasterCard, SWIFT networks
• Ixaris showing how to use "paylet components" to create virtual card product without programming
• Liqpay.com demoing its new "$hop app" to easily set up Facebook shop for ecommerce; includes affiliate programs
• Liqpay.com, founded with PrivatBank two years ago, has 1.3 million customers; showing its small biz online invoicing via Privatbank
• Linxo is first to launch account aggregation in France; live with a number of French banks
• Linxo demoing integrated ads triggered based on customer's actual spending; can integrate merchant rewards directly into platform
• Lodo Software is launching dashboard to help FIs leverage PFM data for sales; showing how to get tangible ROI from PFM
• Lodo FI dashboard is multi-lingual; showing how to set up marketing campaign on the fly
• Lovemoney.com launching version 2.0 of its personal finance portal; showing social aspects to see what others are choosing
• LoveMoney.com is Yodlee powered, has 1 million members reached via email
• Meniga launched in Iceland in 2009, already have 6% national market share; helping users "spend more wisely"
• Meniga showing Facebook integration with shareable monthly quiz
• Meniga adding a gaming layer to PFM using humor + "social curiosity," ie. comparing your spending to peers; important elements
• miiCard launching identity verification card, demoing how it would be used in a banking online account opening process
• miiCard links miicard identity to bank account identity; using Yodlee for account linkages; creating "digital passport"
• MPOWER Mobile launching Rev COIN to turn mobile phone into POS device; World Bank says cash-only business costs 4% more to operate
• Demoing Rev COIN kit, costs $15-20 includes swipe device for mobile, app and plastic payment card; can have text/email receipt
• NCore Systems is demoing remittance system with straight-through processing; cut down on friction typically costing 10%
• NCore Systems is demoing by sending a transaction to Indian Bank; looking for partners for $50 billion Indian remittance market
• SecureKey demoing its secure online payment method; users touch their contactless card to a USB device to buy
• SecureKey not only authenticates that card is present, it autofills the shopping cart info, saving 100 keystrokes
• SecureKey showing similar process that can be used for online banking login and per-transaction out-of-band authentication
• Silver Tail Systems discussing man-in-the-mobile attack (MITMO), security just gets more difficult with each new channel
• Silver Tail shows its usage monitoring, looks at areas such as IP address, speed of clicks (to discern robotic vs. human pacing)
• Silver Tail launching Forensics MT (multi tenancy) for banking service providers working with multiple banks
• Solidpass is demoing on iPad, showing good usability combined with extra authentication
• Solidpass generates QR bar code that can be scanned with iPhone to give user the response code to enter; very fast, very slick!
• StockTwits announced that is about to support international ticker symbols; focusing on curating and finding the best advise
• StockTwits launching @StockTwits Connect; showing how it powers third-party info providers including Yahoo Finance via API
• Strands launching its Personal Finance Business Intelligence solution to help banks use PFM data for sales
• Strands announcing major new client today, powering Bank of Montreal's MoneyLogic, which is live now
• Striata introducing its next-generation interactive push-email billing
• Striata -- "Security on a paper bill is its envelope, ours is its 256-bit encryption" --
  so easy that 40% of customers pay within two days
• Striata showing how the interactive PDF bill works like a mini-website with the bill; also integrates into Facebook
• Striata says some clients are up to 50% penetration of paperless, compared to 15% industry average
• Tagit is demoing its mobile platform; powers DBS Bank mobile banking and others; showing transfer function
• Tagit shows "virtual browser," integration point in the back end for FI to build work flows; adds line to mobile app live--nice!
• Unience launching mobile iphone app for keeping in touch with financial advisor; showing how advisor sends info from PC to mobile
• Unience mobile is first app using its API; has added 5,000 users since Oct.; negotiating with NYC financial company for U.S. launch
• Voice Commerce is showing its new "KYC Secure" federated database to use biometrics to authenticate identity via voice
• Voice Commerce showing how easy it is to simply answer phone and repeat the code provided; no stopping and keying in numbers
• Voice Commerce demos how easy it is to simply answer phone and repeat the code provided; no stopping and keying in numbers
• Xero focuses on small business market; demoing dashboard to allow SMB to track real-time cash position, an eye-opening experience
• Yodlee has 600,000 users in Europe; several hundred developers are working through its app store
• Yodlee enabling monthly subscriptions in app store; new app "My Vault" available this summer with monthly revenue share with FI
• Yodlee is launching auto file uploader which automates the process of storing downloaded financial statements and bills
• That's a wrap; 35 #finovate demos, no major glitches & done 6 minutes early! Thanks to Chris Skinner for hosting; on to networking & happy hour

----------

Note: Best of Show winners (eToro, Finantix, Liqpay.com, and Meniga) were announced in the blog later that night.

It was a fantastic day at the first FinovateEurope as 35 banking and financial technology companies debuted their latest innovations in front of a packed house. It was the first Finovate without at least one demo blowing up, though there were a couple close calls. 

At the end of the day, attendees voted for their three favorite products. The four leading vote-getters were named FinovateEurope Best of Show (see notes on methodology).  

Every company that presented was named Best of Show by some portion of the audience. But the ones that ended on top today were as follows (in alphabetic order):

• eToro launched OpenBook (CopyTrade & CopyTrader) which allows users to follow & copy trades of other users
  
• Finantix introduced a suite of iPad applications for financial advisors to use in face-to-face client discussion
  
• Liqpay.com showed its new "$hop app" which allows a bank's small business customers to easily set up a Facebook shop for ecommerce
  
• Meniga demoed its personal financial manager with an added gaming layer that combined humor with "social curiosity," for example, to compare spending to peers     

Congratulations! And thanks to everyone who presented, sponsored, attended and followed the #finovate tweets.

------------------------------

Notes on methodology:
1. Only audience members not associated with demoing companies were eligible to vote. Finovate employees did not vote.   
2. Attendees were encouraged to note their favorites as the day went on. Ballots were turned in at the end of the last demo session. The exact written instructions given to attendees:
"Please rate (the companies) on the basis of demo quality and potential impact of the innovation they demoed. Note: Ballots with more than three companies circled will not be counted." 

We're in London putting the finishing touches on the first FinovateEurope. With a sold-out crowd of more than 400, it is sure to be a high-energy day with 35 product/company launches.

I just sat through the six-hour dress rehearsal and it was impressive. Lots of new ideas, usability improvements, and advanced user interfaces. 

The demos begin at 8:45 AM (London time) after a brief overview of the state of financial innovation by guest host Chris Skinner.   

You can follow the community Twitter and Flickr streams at our conference website  or follow the #finovate hashtag from your favorite Twitter access point. We'll be live tweeting from #netbanker. While there's no live video stream, full-length videos of each demo will be posted within a few weeks.

FinovateEurope presenters (links)

Please note: The conference is 100% sold out, so we will not be able to accommodate new registrants the day of the show.

The deadline to get your early registration ticket to the upcoming FinovateEurope is this Wednesday, December 22nd.

Buying your ticket before the end of December 22nd will get you a £100 discount and it will also ensure your attendance at the event. We had capacity crowds at the last two Finovate conferences and ticket sales are strong for this event as well.

The conference (February 1 in London) is shaping up phenomenally with three dozen great fintech companies scheduled to demo their latest Fintech innovations on stage:

If you'd like to attend the event and watch the future of European fintech debut on stage, you'll be joining executives from organizations like Santander, Deutsche Bank, PayPal, Forrester, CIBC, TSYS, Microsoft, Accel Partners, Rabobank, ING, BBVA, Standard Chartered, PostFinance, Raiffeisenbank, Celent and many more.

We hope to see you in February in London!

FinovateEurope 2011 is sponsored by: BlueRock Consulting, Microsoft, Santander, Sapient & The Bancorp

FinovateEurope 2011 is partners with: 154 Consulting, BankerStuff, BankInnovation.net, Banking Automation Bulletin, CardWeb, Filene, Finance on Windows, The Financial Services Innovation Centre, PYMNTS.com & theStartup.eu.

We're very excited to be announcing the dates for FinovateSpring 2011. The spring conference will return to San Francisco on May 10 & 11 with an expanded 2-day format and a new, larger location (since the show last year sold out after growing 50%).

There is a tremendous amount of innovation happening in fintech right now, a lot of it in the Bay Area / Silicon Valley region, and the two-day format will enable us to showcase more of it. We're getting inquiries from interesting new companies on a daily basis and expect to feature an array of exciting, fast-paced 7-minute demos (no slides allowed!) on stage next May. 

If you're a startup, established company, or financial institution innovating in financial or banking technology, we'd love to have you apply to demo your latest and greatest at the conference. To get more details, please email us at demo@finovate.com.

If you're interested in watching the future of financial and banking technology unfold live on stage (and can't make it to FinovateEurope in February) then get your pre-sale ticket today for FinovateSpring 2011 and save $400 off the list price. Tickets have already started to sell strongly before this formal announcement and we don't want you to miss out! We'll see you in May! 

FinovateSpring 2011 is sponsored by: The Bancorp and more great companies to be announced.

FinovateSpring 2011 is partners with: 154 Consulting, BankInnovation.net, BankerStuff, CardWeb, Finance on Windows, PYMNTS.com and more great orgs to be announced.

After months of reviewing applications from leading fintech companies, we're incredibly excited to reveal the firms selected to show off their latest and greatest technology innovations at the first FinovateEurope.

The companies are geographically diverse (coming across Europe, North America and Asia) as well as diverse in the areas that they're innovating on (everything from online banking to security to marketing to online identity to ecommerce to investing to PFM).

On February 1st, 2011, the following companies (HQ locations in parentheses) will take the stage in London along with our guest host Chris Skinner:

If you'd like to attend the event and watch the future of European fintech debut on stage, you'll be joining executives from organizations like Santander, Deutsche Bank, PayPal, Forrester, CIBC, TSYS, Microsoft, Accel Partners, Rabobank, ING, BBVA, Standard Chartered, PostFinance, Raiffeisenbank, Celent and many more.

Buying your ticket before December 22nd will get you the early registration ticket price (a £100 discount) and it will also ensure your attendance at the event. We had capacity crowds at the last two Finovate conferences and ticket sales are strong for this event as well. We hope to see you in February in London!

FinovateEurope 2011 is sponsored by: BlueRock Consulting, Microsoft, Santander & The Bancorp

FinovateEurope 2011 is partners with: 154 Consulting, BankerStuff, CardWeb, Banking Automation Bulletin, Finance on Windows, The Financial Services Innovation Centre, PYMNTS.com & theStartup.eu.

We're pleased to announce that the demo videos from FinovateFall 2010 are now available for free download (or immediate consumption) from the Finovate archives.

This fall's NYC conference showcased 56 handpicked companies doing 7-minute demonstrations (no slides allowed) of their latest technology innovations to a sold-out audience of 650 financial & banking executives, venture capitalists, press, analysts and entrepreneurs.

Check out these cutting-edge ideas in financial, banking, payments, mobile, lending, investing and security technologies today for inspiration and your next edge on the competition! 

It was an incredible two days in NYC as we witnessed 56 new products, services, and features debut on the big stage. Of 56 live demos, there were a few slow connections, an occasional timeout, a missed download or two, and a few lost seconds waiting for mobile screens to refresh, but only one had to be completely restarted. Overall, it went very smoothly.

And the packed house had a great time, found a number of things to take back to their own companies, and made some great connections (at least that's what they told me anyway).

At the end of each day, attendees voted on three "Best of Show" demos from the 28 they had just seen. Then, at the end of the conference, we ranked all 56 companies based on this audience vote (see notes). The top seven were named Best of Show.

Every company that presented was named Best of Show by some portion of the audience. But the ones that ended on top this round are as follows (in alphabetic order):

Congratulations! And thanks to everyone who presented, sponsored, attended and followed the #finovate tweets. If I ever recover, I look forward to writing more about where this is all headed.

------------------------------

Notes on methodology:
1. Only audience members not associated with demoing companies were eligible to vote. Finovate employees did not vote.  
2. Because a different number of ballots was cast each day, we ranked the demos based on the percentage of ballots voting for each presenter. 
3. The exact written instructions given to attendees:
"Please rate (the companies) on the basis of demo quality and potential impact of the innovation they demoed. PLEASE CIRCLE ONLY THREE"

We're back in Manhattan putting the finishing touches on the fourth FinovateFall 2010. With a sold-out crowd of more than 600 packing the Metropolitan Pavilion, it promises to be a high-energy two days with 56 product/company launches.

Registration begins at 8:30 AM Monday, with demos beginning at 9:30 AM. 

You can follow the Twitter (#finovate) and Flickr stream at our conference website. We'll also be live on Twitter at Twitter.com/netbanker. While there's no live video stream, full-length videos of each demo will be posted within a few weeks.

Please note: The conference is 100% sold out, so we will not be able to accommodate any new registrants the day of the show.

Links to presenting companies: 

Today, we're pleased to finally announce the full demo lineup for FinovateFall in Manhattan on October 4-5.

With the addition of the stealth companies we've been keeping confidential up until now (marked below with bold), we have an incredible roster of 56 companies that will be doing demos of their latest fintech innovations at the conference.

We're also happy to announce that FinovateFall 2010 is officially sold out (with dozens of people on the wait list). Attendance at the event is up 50% over last year, and the auditorium will be packed with a phenomenal audience of more than 600 bankers, VCs, press, analysts and entrepreneurs. 

If you're interested in attending our next Finovate event, FinovateEurope in London on February 1st, please get your tickets now as we expect it to sell out as well.

If you'd like to apply to demo at FinovateEurope or another future Finovate, please email us at demo@finovate.com.

We're only a few weeks from FinovateFall (October 4-5 in NYC) and we are incredibly excited!

Like any event, a great Finovate is built on two important factors -- awesome presenters and a great audience.

We've already told you about the 56 cutting-edge fintech companies that will be doing demos of their latest and greatest innovations.

And, as we get close to the early-bird ticket deadline, the audience is shaping up just as strongly, with executives from companies like:

Over the show's two days, attendees will get to watch the future of fintech and banktech unfold on stage via fast-paced demos (28 new innovations each day) from dozens of innovative companies. And then have a chance to interact with top executives from each of the demo companies during intimate networking sessions.

We're very excited to reveal the 56 cutting-edge companies that have been selected to demo their latest technology innovations on October 4 and 5 in New York City at FinovateFall.

Over the show's two days, attendees will get to watch the future of fintech and banktech unfold on stage via fast-paced demos (28 each day) from these innovators. And then have a chance to interact with top executives from each of the demo companies during intimate networking sessions.

Without further delay, here's the list of companies we're excited to showcase:

If you're interested in attending the conference, registering now will save you $100 on your ticket via the early-bird discount and reserve your spot (space is limited and we're expecting to sell out). We'll see you in New York!

For some people, August is a month of summer sunshine and family vacations.

For us, it's when we finalize the list of presenters for FinovateFall and start getting really excited about how awesome the fall show is going to be. We're only a few days away from announcing the 56 innovative fintech companies that will take the stage this fall to demo their latest and greatest and so that excitement is really starting to build.

The handpicked demo companies are innovating across the fintech spectrum from online banking to mobile payments to small business invoicing to investing to youth marketing and much more. It's an incredible roster and they'll be showcasing their new products to an audience that is equally impressive.

Just a few of the organizations that are already attending include: Citi, Bank of America, J.P. Morgan Chase, RBC Ventures, Tower Group, USAA, Capitol One, Black Rock, Discover, Intuit, Wells Fargo, AXA, IDC, CIBC, Ally, Standard Chartered, Alliant CU, Rabobank, Umpqua Bank, Visa, Associated Press, Canaan Partners, Harris Bank, H&R Block, TD Ameritrade, AARP, SunTrust, Microsoft, Polaris Ventures, Aite Group, Korn Ferry, Thomson Reuters, and Gartner.

If you're interested in attending the conference, the deadline for Very Early-Bird Tickets is this Friday, August 13th (less than 72 hours away!). Registering now will save you $200 on your ticket and reserve your spot (space is limited and we're expecting to sell out). We'll see you in New York!

I love July for two reasons. First, it means that summer has finally arrived in Seattle (reminding me why I live in this beautiful city). Second, it means that we're buried up to our eyeballs in fascinating screening calls to pick all the cool new fintech innovations to be showcased during FinovateFall.

This year, our screening process has been particularly fun because, with the newly expanded 2-day format for the fall event (October 4th & 5th), we'll be showcasing an even broader spectrum of innovations than in the past. And with the huge number and high quality of applications we've been getting, this fall's demo lineup is going to be great.

If you're interested in attending the event, the deadline for Super Early-Bird Tickets is this Friday, July 16th (less than 48 hours away!). Registering now will save you $300 on your ticket and reserve your spot among a great audience.

Just a few of the organizations that are already attending include: Citi, Bank of America, J.P. Morgan Chase, RBC Ventures, Tower Group, USAA, Capitol One, Discover, Intuit, Wells Fargo, AXA, IDC, CIBC, Standard Chartered, Alliant CU, Rabobank, Umpqua Bank, Visa, Associated Press, Harris Bank, H&R Block, TD Ameritrade, AARP, SunTrust, Microsoft, Polaris Ventures, Aite Group, Thomson Reuters, and Gartner.
 
Don't miss out on your chance to watch the future of fintech unfold live onstage. Register today to lock in your ticket and these savings. We'll see you in New York!

In keeping with tradition, the videos from our latest event, FinovateSpring 2010, are now available online here (free). You can also view demos from the previous five Finovates here (also free).

There are dozens of great demos. But four you don't want to miss are from the companies named Best of Show by the live audience on May 11: 

• Bobber Interactive: Launched a youth-oriented online banking/savings program with gaming and social features.  
• Expensify: Demoed new tools for managers to track and monitor employee spending via "expense reports that don't suck."
• oFlows: Showed its new end-to-end paperless loan-application system.
• Wikinvest: Launched its new Hurricane stock information system to deliver real-time info faster than other outlets.

If you want to be a part of the next event live and in person, save $300 with presale tickets through June 18 here. With two full days of demos, and a few other surprises, you won't want to miss Finovate October 4 and 5 in NYC. 

P.S. Finally, companies with amazing new products or services; we need your demo applications by the end of June. Email Eric Mattson for more info.

Thanks to everyone who made Finovate 6 the biggest and best so far. Four presenting companies receiving the most audience votes were named FinovateSpring 2010 Best of Show.

At the end of the day, each audience member (not associated with a presenter) chose their three favorites. The four companies with the most votes received awards. In alphabetic order, the winners are:

          Bobber Interactive: Launched a youth-oriented online 
          banking/savings program with gaming and social features.  

   Expensify: Demoed new tools for managers to track and monitor 
   employee spending via "expense reports that don't suck."

                oFlows: Showed its new end-to-end paperless loan-
                application system.

      Wikinvest: Launched its new Hurricane stock information
      system to deliver real-time info faster than other outlets.

Congratulations! And thanks to everyone who participated.

Note: Videos of each demo will be posted on the Finovate website within a few weeks.

Finovate 6 kicks off tomorrow with MoneyAisle stepping up to the demo plate at 8:30 AM (Pacific time) Tuesday. The event is sold out and we are looking forward to the largest ever Finovate audience, more than 500 banking and fintech execs.

For background on the 36 demoing companies, see our previous posts (logos below). You can follow the day's announcements via our Finovate website, by following our Netbanker Twitter account, or watching the #finovate hashtag on Twitter.

The event will not be broadcast live, but we'll have videos available on our website within two weeks.

Just one week from tomorrow, three dozen of the hottest financial tech companies come to the Finovate stage in San Francisco. We've already written about how tickets are almost sold out, the amazing group of attendees, the twelve main conference themes, and the original list of 32 demoing companies.

The only thing left to announce are the final four presenting companies:

• Blippy
• Gratio Capital
• Mint (Intuit)
• MPOWER Mobile

Come meet the founders and top execs of these fintech leaders next week. Register here.

The final FinovateSpring lineup:

Finally, a thanks to our four FinovateSpring sponsors:

During its three-year history, Finovate has shown consistent double-digit annual growth. But not since Finovate I, in Oct. 2007, when we booked a relatively small NYC venue, have we actually run out of seats.

But with less than 50 tickets remaining, it looks like we are about to have our second sellout. The fantastic turnout, we believe, is a leading indicator that the fintech sector has turned the corner (see list of technologies on stage).

So if you still want to be part of this amazing day in San Francisco, you better move quickly and register here. This isn't marketing hype, we really are approaching capacity.

And thanks to everyone who's already registered (partial list below). We literally couldn't have the event without you! 

Companies demoing (plus, three more will be named next week)

Companies attending (partial)

• Addison Avenue FCU/SVP
• Advanced Technology Ventures/VP
• Advisor Software/C-level
• Affinion Group/VP
• Aite Group/Analyst
• Alliant Credit Union/SVP
• Allstate Insurance/Director
• Ally Bank/Director
• Amazon.com/Director
• American Bankers Association/Director
• ANZ Banking Group Limited/GM
• AOC Solutions/President
• Atelier US BNP Paribas/Analyst
• Atlanta Payments Group/Principal
• Banco Fator/Manager
• BancVue/SVP
• Bank of America/VP
• Bank of Internet/C-level
• Battery Ventures/General Partner
• BillFloat/C-level
• BillShrink/C-level
• BlackBerry Partners Fund/RBC Venture Partners
• Blue Shield of California/Director
• Bradway Research/Managing Director
• Canaan Partners/Partner
• Capital Access Network/SVP
• Capital One/Director
• CashEdge/SVP
• CBS Interactive/Editor
• Celent/Analyst
• Central 1 Credit Union/Director
• CFSI/Core VC/Senior Advisor
• Cherry Tree Companies/Managing Director
• Churnless/C-level
• CIBC/Division Head
• Cisco/Systems Engineer
• Citibank/EVP
• City Bank/VP
• Club Circle Partners/Partner
• CNNMoney.com/VP
• Comcast Ventures/Partner
• Computer Services, Inc./VP
• Credit Karma/VP
• CreditReport.com/C-level
• CreditXpert/Managing Director
• CSI/VP
• Cybersource/Product Manager
• DaoPay/Product Manager
• Dedicated Defined Benefit Services/C-level
• Delta Community Credit Union/Product Manager
• Digital Insight/SVP
• Dimensional Fund Advisors/VP
• Discover/Director
• Duck9.com/C-level
• Dynamics Inc./C-level
• EntroPay/Director
• Examiner.com/Personal Finance Columnist
• Experian/VP
• FEDChex/C-level
• Fidelity/SVP
• Filene Research Institute/Research Director
• Finance All Solutions/C-level
• First Bank & Trust NA/VP
• First Data/SVP
• FIS/Director
• Fiserv/SVP
• Flybridge Capital Partners/Senior Associate
• Forrester Research/Analyst
• Founders Advisory/Managing Principal
• Freedom Financial Network/Director
• FreeScore.com/C-level
• FriendsClear/C-level
• FundingUniverse/C-level
• Global Catalyst Partners/Managing Principal
• Global Payments Experts/Consulting Partner
• Google/Industry Head
• Group SJR/Partner
• GRP Partners/Partner
• Guardian Analytics/VP
• GVFS/C-level
• H Block/Director
• Harland Clarke/VP
• HiddenLevers/Founder
• Higher One/C-level
• Highland Capital/Principal
• iBear LLC/Founder
• ING Direct/EVP
• iPortfolio/EVP
• ISTS Worldwide/SVP
• IVPL/Founder
• Jack Henry/Manager
• Javelin Strategy & Research/Analyst
• Kaiser Permanente/VP
• Kashoo/C-level
• Kiboo/C-level
• Kony Solutions/Director
• Korea Information Service/Manager
• Kwedit/VP
• Leadfusion/Director
• LendingTools.com/C-level
• Market Rates Insight/C-level
• Maveron LLC/Principal
• Mechanics Bank/VP
• Meritage Funds/Managing Director
• Microsoft/C-level
• Mindful Insights/Analyst
• MONEY/Managing Editor
• moneyStrands/VP
• Monvia/C-level
• Morgenthaler Ventures/Principal
• Mountain America Credit Union/C-level
• Mozo/Managing Director
• Mutual of OmahaManager
• Netspend/Director
• New Concept Solutions/C-level
• North Hill Ventures/General Partner
• Norwest Venture Partners/General Partner
• NOVARICA/Principal
• NTT AgileNet/Analyst
• OCBC Bank/VP
• Online Banking Review/Managing Editor
• ONSET Ventures/General Partner
• Patelco Credit Union/SVP
• Payoff.com/C-level
• PayPal/Director
• PeopleConnect/C-level
• Polaris Venture Partners/Principal
• Profit Technologies USA/C-level
• Progrexion/VP
• Prosper Marketplace/VP
• PSCU Financial Services/Executive Director
• QED Investors/Partner
• Razorfish/SVP
• ReputationDefender/Director
• San Diego County Credit Union/SVP
• SeerGate/C-level
• SF Fire Credit Union/C-level
• SimpleTuition/C-level
• SimpliFi/C-level
• StanCorp Financial Group/C-level
• Star One Credit Union/VP
• SunTrust/Consultant
• Swimming Upstream/Founder
• Syphr/C-level
• Target Financial Services/Manager
• Technology Credit Union/Manager
• The Bancorp Bank/C-level
• The Motley Fool/SVP
• The New York Times/Reporter
• ThinkCash/C-level
• Thrivent Financial for Lutherans/Director
• Total Technology Ventures/Principal
• TowerGroup/Research Director
• Tugboat Ventures/Founder
• U.S. Bank/VP
• Umpqua Bank/VP
• Unience/C-level
• USAA/VP
• Venrock/General Partner
• Viewpointe/C-level
• WebPFM/Founder
• Wedbush/VP
• WEEMBA USA/COO
• Wells Fargo/SVP
• Western Union/VP
• Wired Magazine/Columnist
• Yahoo/Director
• Yodlee/VP
• ZimpleMoney/C-level

As you've probably noticed, there are a TON of financial/banking technology innovations percolating up into the market right now. We are proud to be bringing 36 of the best to the Finovate stage May 11 in South San Francisco (presenting company list here).

It's going to be a packed house, with at least 20% more attendees than last year. But there are still a few tickets left if you'd like to register (see OBR subscriber discount below).

Here are some of the themes that will be explored by our demoing companies at FinovateSpring 2010:

• Alt-payments: Where will the next PayPal come from? We're not sure who it will be, but there is a pretty good chance they will be on the Finovate stage. While you may not believe that existing payment services are vulnerable, the startups taking on the card-based world are always thought-provoking.
• Bill payment 2.0: As automated billing and payments enters its third decade, there is still much to do in turning it from a cost center to a profitable service. We have several novel ideas on stage. You won't want to miss this chance to talk to the founders. 
• Credit/debt management: No surprise here. As consumers take a more conservative approach to spending and credit matters, there are services cropping up all over the Web to help. And with literally thousands of dollars per year at stake, consumers are willing to spend money to save money and get control of debt. 
• Customized financial products: Why can't you have a 22-month CD or a 12-year mortgage? It's not like banks have to retool the factory to introduce a new model. In the era of infinitely personalized products, financial services will follow suit. 
• Financial marketing: Mass media is dead. Or is it? 400 million Facebook users seems like a pretty sizable "mass." But no matter what you call it, new tools and techniques are required to build your brand in the uber-networked world.
• Investing for the risk-averse: There are dozens of sites for tracking individual stocks and sizing up opportunities in various market sectors. But what about the other 95% of the country that just wants a decent retirement, college education for their kids, or new kitchen by 2015? Helping consumers achieve their financial goals is a long tradition at financial institutions and an important subject at Finovate.
• Mobile everything: You'll see some of the newest ways to leverage mobile for payments, financial management and banking. And this is one area that will be profitable. And yes, we'll have iPad demos on stage. 
• New lending models: Everyone agrees there are major problems in consumer and small business lending. Peer-to-peer lending is one promising area, but it's had setbacks with regulatory changes and defaults. Is there a better way to deliver credit services while keeping losses in check? You'll hear from several companies that believe they have the answer.
• Real-time Web: Banks have had a nice 40-year run as batch processors. But the world has gone real-time and customers expect data more than once a day. See how new financial tools leverage the power of this data stream. Will you automatically share your purchases with your network? Yes, you will. Find out why.
• Snazzy management/back-office tools: The increased regulatory scrutiny over everything financial is the inevitable result from the 2008/2009 financial meltdown. Everyone knows you need to be on top of the nitty-gritty details, but who has time to read memos from the compliance department? With new interactive tools and Web-based services, even the most tedious compliance chore can be accomplished on schedule and without headaches or glitches. Come meet the startups who will make your life easier. 
• Social media/gaming: Of course, no 2010 conference would be complete without ideas on how to reach Gen Y and everyone else via social media. Facebook serves 400 million today and is still growing. Is there any doubt social medai will impact every brand on the planet?
• UX: When you get right down to it, mobile/online delivery is all about the user experience. You'll see dozens of the best on stage and you'll meet the people creating them.

You'll also learn about ways to improve security, serve the underbanked, segment your customers, develop cross-platform services, build widgets, and help your customers save money and control their finances.

Get that ticket now. It will be one memorable day, I promise. 

----------------------------

Note: Anyone who subscribes to our research service, Online Banking Report, is entitled to a substantial discount (email info@netbanker.com if you need the code). Or subscribe here if you are not already on board.

We're incredibly excited to announce that FinovateFall 2010 is expanding to two days for the first time and that we're now accepting applications to demo on stage at it. The conference will take place on October 4-5, 2010, in New York City. 

The conference is growing simply because there is so much financial technology innovation going on that we can't showcase it all adequately in a single day event. 

Both days of the expanded event will feature the special Finovate format that mixes fast-paced demos (no slides allowed) of cutting-edge fintech innovations with high-quality networking. We're not changing the powerful blend of top-notch content that has won rave reviews year after year from both participating companies and attendees!

The fall show is the original Finovate and last year attracted 450 attendees (up 20% over 2008). Based on the current strong ticket sales of FinovateSpring, we expect the fall show to continue to grow in attendance this year as well.  

If you're interested in locking in your spot for FinovateFall, we've released a limited number of "presale" tickets that will enable you to save $400 off the ticket price (register here) but only through the end of May (or until they sell out). 

If you're interested in doing a demo of your latest fintech innovation on stage at FinovateFall, please email us at demo@finovate.com. The application window for the fall event is now open and will close on July 15 (there are advantages to applying early).

Just a quick reminder that the early-bird ticket prices for FinovateSpring 2010 (May 11th in San Francisco) will expire at the end of March (less than 2 days from now). If you register by March 31st, you'll save $100 on your ticket and lock in your spot to see debuts and demos of dozens of new financial and banking technological innovations. 

We've handpicked an amazing list of companies to demo their latest including:

Tickets are selling well with hundreds of registered attendees from great organizations like: 

FinovateSpring is one of our twice-yearly showcases of the best new ideas in banking and financial technology. The show is built around a unique blend of fast-paced demos of actual technology (no slides!) and high-quality networking with an audience of senior FI executives, fintech entrepreneurs, VCs, press, industry analysts and bloggers. It's an awesome environment to find your next competitive edge.

Don't miss out on the early-bird price on your ticket to this great show. Register now!

P.S. Online Banking Report subscribers are entitled to an extra discount to our Finovate conferences. Email me to get it.

We're very pleased to announce the lineup for the upcoming FinovateSpring 2010 conference. Taking place on Tuesday May 11 in San Francisco, the conference will showcase dozens of handpicked companies debuting and demoing their latest and greatest fintech innovations. The quality of the ideas that will be demoed on stage is very high this year and we're incredibly excited to showcase them to you.

The demoing companies selected (that we can reveal so far) are:

These companies will be showcased to an audience of senior financial/banking/credit union executives, influential press, industry analysts, venture capitalists, bloggers, tech companies and entrepreneurs.

A sampling of the great organizations already registered to attend includes: AARP, Aite, Alliant Credit Union, BNP Paribas, Capital One, Celent, Discover, Experian, Fidelity, Filene, Forrester Research, Google, Highland Capital, Intuit, Javelin Strategy, Jack Henry, Mechanics Bank, Motley Fool, NY Times, PayPal, Tower Group, USAA, US Bank, Venrock, Wells Fargo, and Wired Magazine.

We'd love to have you join us at the spring event and watch the future of finance/banking unfold onstage. If you register today you'll save $100 via the early-bird ticket discount. Please note that the early-bird prices expire at the end of this month and space is limited so lock in your spot now!

This is an exciting time of year for us because we're finalizing the group of companies that will demo their newest fintech innovations at FinovateSpring (May 11, 2010, in San Francisco). A great bunch of companies have applied for a chance to demo, and we're incredibly excited to showcase onstage their latest and greatest.

Just a quick reminder that the very early-bird ticket prices will expire at the end of February (only 4 days from now). If you register this week, you'll save $200 on your ticket and lock in your spot to see debuts and demos of dozens of new financial and banking technological innovations.

Tickets are selling well with attendees from great organizations like: 

FinovateSpring, in case you're not yet familiar, is one of our twice-yearly showcases of the best new ideas in banking and financial technology. The show is built around a unique blend of fast-paced demos of actual technology (no slides!) and high-quality networking with an audience of senior FI executives, fintech entrepreneurs, VCs, press, industry analysts and bloggers. It's an awesome environment to find your next competitive edge.

Don't miss out on the best prices on tickets to this great show. Register now!

P.S. Online Banking Report subscribers are entitled to an extra discount to our Finovate conferences. Email me to get it.

Just a quick reminder that the lowest early-bird ticket prices for FinovateSpring 2010 (May 11 in San Francisco) will expire at the end of January (a mere 3 days from now). If you register this week, you'll save $300 on your ticket and lock in your spot to see debuts and demos of dozens of new financial and banking technological innovations.

Tickets are selling strongly with attendees from great organizations like Visa, Wells Fargo, USAA, AARP, Filene, Google, Capitol One, Experian and many others registering in the last few hours alone.

FinovateSpring 2010, in case you're not familiar with it, is one of our twice-yearly showcases of the best new ideas in banking and financial technology. The show is built around a unique blend of fast-paced demos of actual technology (no slides!) and high-quality networking with an audience of senior FI executives, fintech entrepreneurs, VCs, press, industry analysts and bloggers. It's an awesome environment to find your next competitive edge.

Don't miss out on the best prices on tickets to this great show. Register now!

P.S. Online Banking Report subscribers are entitled to an extra discount to our Finovate conferences. Email me to get it.

Online mortgage startup Home-Account has licensed the refinance.com domain name and today launched a new, free service for people seeking to refinance their homes (press release).

The domain name was formerly that of Homebridge Mortgage Bankers Corporation, which had acquired the name for more than $700,000 in 2005. But in the 2008 mortgage meltdown, Homebridge went out of business and the valuable domain name went unused throughout 2009.

Home-Account is a 2009 Finovate alum (video here and here) specializing in helping consumers navigate the confusing mortgage marketplace. The startup uses an online system to assess a home loan applicant's suitability before they apply. It then provides advice and assistance in finding the best mortgage. The company contracts with mortgage lenders to provide firm price quotes at the end of the process. Lenders pay Home-Account a fixed fee for each mortgage.

The startup has enlisted noted mortgage finance expert Jack Guttenberg, also known as the Mortgage Professor (link) to endorse the service.

How it works:

1. To begin the process, simply enter a Zip code.

2. Complete a three-part online application detailing personal financial info (including social security number), info on existing mortgages, and a short "mortgage personality" quiz to help match buyer needs with mortgage options (e.g., fixed vs. variable rate).

3. Confirm identity using info from credit files.

4. Home-Account then pulls a credit report using a soft pull that does not show as an inquiry on the borrower's credit file.

5. The site provides a loan-eligibility score, a few quick tips on improving credit qualifications, and firm loan offers including rates and all fees from qualified lenders. The borrower reviews the various offers side-by-side, a feature that should provoke healthy competition among the lenders.

6. If the borrower decides to move forward, they click on their desired loan to lock in the offered rate.

7. The selected lender then closes the loan directly with the borrower.

At launch, several lenders are offering loans through the system including: GoodMortgage.com, RoundPoint Mortgage Company, Eagle National Bank and First Choice Funding.

Analysis: The mortgage shopping and refinance process is still a mystery to a large percentage of consumers. It is difficult to compare prices while shopping, and the myriad of fees tacked on during the process can leave a bad taste with the borrower. Consumers rarely know if they truly received a fair deal when all is said and done. The Home-Account/Refinance.com solution promises to add more transparency during the entire mortgage process. That's welcome news to scandal-weary American consumers.

However, convincing skeptical consumers to trust its mortgage-recommendation engine will be a major challenge for Home-Account. Third-party endorsements, and possible integration with financial institutions or personal finance tool providers, will be vitally important.

Refinance.com #1 - The site grades loan eligibility ...

Refinance.com #2 - ... and suggest ways to improve it.

We're incredibly pleased to announce our Finovate events for 2010 today. Over the last few years, our Finovate conferences have grown tremendously and become must-attend showcases of the best new innovations in financial and banking technology.

In 2010, we will again be organizing two great Finovate conferences. The first, FinovateSpring, will take place in San Francisco on Tuesday May 11 and the second, FinovateFall, will take place in New York City on Tuesday October 5.

Both events will showcase dozens of fintech innovations from established leading companies and hot young startups via our special demo-only (no slides allowed) format. Every company selected to demo at the events gets 7 minutes on stage to show their latest and greatest to the entire audience plus a plug-and-play demo booth during the intimate networking sessions to connect one-on-one with the attendees. The powerful blend of a ton of high-quality demos and top-notch networking in a single day that has won rave reviews year after year from both participating companies and attendees is back!

In 2009, the high-quality audiences of financial execs, press, bloggers, analysts, VCs and entrepreneurs at both conferences grew 20% and in 2010 we expect the events to be even bigger and better.

If you're interested in doing a demo at one of the 2010 events, please email me today at eric@netbanker.com for more details. The application window for the spring event is now open and will close at the end of February (there are advantages to applying early).

P.S. Tickets for both events are on sale now at www.finovate.com. Register today to lock in your spot and the super early bird price!

I'm excited to announce that the videos of all the demos from our Finovate 2009 conference this fall are now available free online.

It was an amazing conference with a ton of great innovations showcased on stage. We hope you enjoy watching the demos in video format as much as the 450 attendees enjoyed watching them live on the day of the event.

As usual, we've provided all the videos in both Windows Media and QuickTime formats. We've also added a higher-res download version so you can watch them in bigger-screen glory. To download the bigger-screen version simply right-click on the link that says QuickTime HD (hint: it's located under the video player) and choose "save as".

A huge thanks for all the demoing companies (listed below alphabetically) for participating at Finovate 2009. 

P.S. If you're interested in demoing at a future Finovate event, please reach out to me for more details.

Here's a transcript of my Twitter updates at Finovate 2009 on 29 Sep 2009 (in reverse chronological order):

After a jam-packed day in NYC yesterday, the audience voted five companies Finovate2009 Best of Show.  

All Finovate attendees, except for the presenting companies themselves, rated each demo on a scale of one to six. At the end of the final demo session, the ballots were tallied and the presenters ranked based on their average score. A majority of attendees completed a ballot, so it's a good indicator of the group consensus.

It was a tight race, but here's how the choices played out (in alphabetic order).

        BancVue's Kasasa national checking/savings account brand
        for community banks and credit unions  

Credit.com's report card with letter grades to help users
make sense of the underlying data

Digital Insight (Intuit) integration of tax preparation
with online banking

Silver Tail Systems real-time security monitoring
to shut down fraud attempts immediately

Yodlee's new FinApp store modeled after Apple's
iPhone App Store 

Congratulations! And thanks to everyone who participated.  

Note: Videos of each demo will be posted to the Finovate website within a few weeks.

At 8:30 (Eastern) today, Finovate2009 kicks off with a lineup of 32 new innovations from leading financial services and tech companies.

We'll cover the breaking announcements on Twitter today, at Twitter.com/netbanker. You can follow the entire conversation on our Finovate Live page or on Twitter using the hashtag #finovate.

For complete descriptions of the companies, see our previous coverage.

This Tuesday, more than 425 people will gather in the heart of Manhattan to watch the future of financial and banking technology unfold at Finovate 2009. They're coming to see the best new innovations in the space from 32 handpicked startups and established companies via Finovate's fast-paced, demo-only (no slides allowed!) format. It's going to be a great show! 

• Mint
  
• TILE Financial
  
• XChange
  

These three join the 29 awesome companies we'd already announced (list below):

These companies will showcase their talents before an audience of senior financial/banking/credit union executives, influential press, industry analysts, venture capitalists, bloggers, tech companies and entrepreneurs.

A few of the organizations attending include: Bank of America, Citibank, WSJ, Microsoft, ING Direct, HSBC, Wells Fargo, American Express, Dow Jones, the Financial Times, E*Trade Financial, SunTrust, ANZ, Capitol One, NY Times, Financial Insights, Discover, Sybase, Cardinal Venture Capital, Intuit, Consumer Reports, DataMonitor, Canaan Partners, The Economist, BusinessWeek, CBS Moneywatch, Bankrate.com, Korn/Ferry, U.S. Bank and Aite Group.

We'd love to have you join us on Tuesday and watch the future of finance/banking unfold onstage. There are some tickets left but since the event starts at 8:30 sharp on Tuesday morning, I'd hurry up and register now if you want to attend! 

P.S. Online Banking Report subscribers save even more on tickets to all our events PLUS they obviously get 12 months of great research.

Thanks to a fascinating lineup of presenters (logos below, list here), and what looks like a rosier technology outlook for next year, we are thrilled that as of this morning, Finovate ticket sales have surpassed last year's!

With five business days remaining before the 29 Sep event, it's certain we'll have a record audience of more than 400 at Finovate 2009 (partial list below, note 1). There are still a few tickets remaining, so we encourage you to register ASAP.

Here's a partial list of attending companies:

Really, we weren't looking for ways to plug our Finovate conference. Usually we just come right out and tell you to register now since it's only 10 days away. But imagine our delight when we opened up the latest issue of Fast Company (Oct 2009) and Dan Macsai's article included six Finovate companies in his list of eight startups "brimming with hope for the financial industry" (see screenshot below; note 1).

In Dan's words, these companies are noteworthy as:

Web-based financial startups creating services that embrace transparency (even in their largely fee-based pricing) and improve the customer experience.

Congratulations to the eight winners (in order of their appearance in the article): 

• Tempo Payments: Decoupled debit (FinovateStartup 2009 alum, video)
• BancVue: Community bank rewards checking and Kasasa national brand (upcoming Finovate 2009 presenter; FinovateStartup 2008 alum and Best of Show winner, video)
• MarketRiders: Impartial mutual fund advice for $9.95/mo
• Mpower Ventures: Providing financial services to the world's unbanked.
• SecondMarket: Helps companies auction securities and other illiquid assets (FinovateStartup 2009 alum, video)
• BrightScope: Independent advice for 401k plan participants (upcoming Finovate 2009 presenter)
• Jwaala: Personal financial management and online banking tools for small and mid-size financial institutions (Finovate 2007 charter presenter, video; FinovateStartup 2008 alum and Best of Show winner video; 2009 Finovate Startup alum, video)
• The Receivables Exchange: Real-time auctions for accounts receivables (FinovateStartup 2009 alum, video)

Fast Company's NextFinance column (Oct 2009, pp. 76-78, ad page omitted)

Note:
1. We'll take a .750 batting average any time. But, we'll also try to recruit MarketRiders and Mpower to future Finovate events.

I've participated in dozens of online banking and technology conferences over the years, first as a banker, then as an analyst, and now as the host. Each time, I try to walk away with not only specific action items, but also overall themes that will drive product development over the next few years.

With 32 new products and services being unveiled next month at our Finovate Conference (see note 1) and with planning season just around the corner, I thought it would be a good time to review the themes taking shape this fall:

• Control: More and more tools are being invented to help consumers and small businesses take better control of their finances, both on the credit and deposit side. The tools vary from very focused tools to manage health care expenses or 401(k) allocations, to broad tools that manage the big picture. This trend is expected to continue well into the next decade.
• Mobility: Most simple financial management tasks, such as checking balances, authorizing purchases, and so on will move to mobile devices, another huge trend that will play out over the next 20 years.
• Peer-to-peer: You can't really cut out the middleman entirely in financial services; a trusted third-party is needed to authenticate both parties. However, the third-party may not always be a traditional financial institution.
• Safety & security: This one never goes out of style. But more so than usual, consumers are seeking safe havens for their savings and investments. And they expect more from their financial service providers. It will be a long time before risk-taking reaches levels seen much of the past 10 years.
• Segmentation (online): For the most part, online banking has been a one-size-fits-all service, since it came on the scene in the mid- to late-1990s. That's not good enough going forward. There will be online, and mobile, services tailored for distinct segments. Initial efforts rolling out this year target youth markets, small- and micro-businesses, and savvy investors among others. 

Guide to FINOVATE Companies
The following 30 companies (plus two more in stealth mode) will show their latest and greatest innovations in 7-minute demos at Finovate on 29 Sep in NYC. Here's how our presenting companies describe themselves.

Backbase
Backbase enables organizations to leverage their understanding of valuable customer data into highly personalized eBusiness Portals and Applications. Branding, content, applications, and tools can be targeted  to customers using profile-based personalization. Guidance and expertise can be proactively offered based upon specific customer needs. Customers can even be empowered to tailor their own user experience based upon their individual preferences. 

BancVue/First ROI
These successful sister companies provide innovative checking accounts backed by dynamic marketing, data-driven consulting and powerful software to community banks and credit unions. BancVue and FIRST ROI aim to change the world of banking by launching a whole new product-delivery model for consumer deposit accounts and community financial institutions.

Billeo
Billeo gives consumers a fast, easy and intelligent way to exercise choice and control over their online purchases and payments. Billeo functions as the catalyst to make online purchases and bill paying as easy and financially rewarding as possible. Billeo was founded by experts from the EBPP, card issuer, banking, ecommerce and technology industries.

BillShrink
BillShrink is an unbiased, free online service that saves people money by continuously updating personalized recommendations on everyday bills. BillShrink monitors millions of wireless plans, credit cards and gas prices across the country to provide an apples-to-apples comparison of the best options available on the market.

Bling Nation
Bling Nation brings mobile payments to consumers and merchant points of sale, offering lower costs, increased efficiency and improved security compared to credit cards, debit cards, checks and cash. The Bling Nation service also enables financial institutions and merchants to offer consumers robust rewards programs and real-time redemptions, promoting loyalty and convenience and supporting "shop local" initiatives.

BrightScope
BrightScope is an independent data analytics firm that quantitatively rates 401k plans and gives employers, employees, and brokers tools to enhance plan performance and maximize retirement outlook. The BrightScope Rating™ developed in partnership with leading independent 401k fiduciaries, reviews more than 200 unique data inputs per plan and calculates a single numerical score which defines 401k plan quality at the company level.

Canopy Financial
Canopy Financial provides innovative technology solutions that power the Consumer-Directed Healthcare (CDH) programs of some of the world's largest healthcare and financial institutions. Ranked #12 on the 2009 Inc. 500 list, Canopy empowers millions of consumers to take greater control of their healthcare dollars, enables price transparency for routine medical services, and increases the speed in which healthcare providers are paid.  

CashEdge
CashEdge is the leader in Intelligent Money Movement™ services that enable financial institutions to engage customers in new ways. CashEdge's Intelligent Money Movement services provide a single point of access, through an online banking or mobile application, for multiple easy-to-use consumer and small business transfer routes.

Credit.com
Serving as an educator, advocate and facilitator, Credit.com empowers consumers with easy-to-understand information about money, credit, loans and more. Credit.com is partnered with trusted financial experts and select companies in order to offer online consumers insightful tips, helpful tools and excellent deals.

Fidelity National Information Services
Fidelity National Information Services, Inc., a member of the S&P 500 Index, is a leading provider of core processing for financial institutions; card issuer and transaction processing services; and outsourcing services to financial institutions and retailers. FIS has processing and technology relationships with 40 of the top 50 global banks, including nine of the top 10.

Firethorn (Qualcomm)
Firethorn, a Qualcomm company, is the crucial link in the emerging mobile commerce ecosystem. As a pioneer in mobile banking, Firethorn is transforming the traditional wallet into a streamlined, efficient and protected mobile revenue channel that will bridge relationships among financial institutions, retailers, wireless carriers and consumers.

Fiserv
Fiserv, Inc. is the leading global provider of information management and electronic commerce systems for the financial services industry, driving innovation that transforms experiences for financial institutions and their customers.

Home-Account
Home-Account is a web-based mortgage finding service helping America's 75 million homeowners take control of their largest asset-- their home via their 'home-account'. The service grades and analyzes homeowners and their mortgages, presents scenarios to improve their financial situation and then pinpoints the best realistic mortgage options in the market.

Infosys
Infosys defines, designs and delivers IT-enabled business solutions that help Global 2000 companies win in a Flat World. These solutions focus on providing strategic differentiation and operational superiority to clients. With Infosys, clients are assured of a transparent business partner, world-class processes, speed of execution and the power to stretch their IT budget by leveraging the Global Delivery Model that Infosys pioneered.

Intuit
Intuit Inc. is a leading provider of business and financial management solutions for small and mid-sized businesses; financial institutions, including banks and credit unions; consumers and accounting professionals. Their financial institutions division, anchored by Digital Insight, provides on-demand banking services to help banks and credit unions serve businesses and consumers with innovative solutions.

iPay Technologies
iPay Technologies is the leading independent provider of Internet bill payment services. Founded in 2001, iPay develops and fully supports consumer and small business online bill pay solutions for more than 2,800 financial institutions nationwide and in Puerto Rico. iPay offers a 99.93% payment success rate with more than 1,200,000 bill pay customers, and over 4,000,000 payments processed each month.

Kapitall
Kapitall is a rich web application that makes investing easy for everyone. Inspired by game design, Kapitall combines an intuitive and engaging graphic user interface with powerful tools that make it easier than ever to research companies, build portfolios, share ideas and get smarter about the market.

MShift
MShift, Inc. provides Mobile Banking solutions that offer the widest array of features, including Bill Payment, Presentment, Transfers, Account Summaries, History, ATM locators, and much more. MShift also provides the only available Facebook Banking application - online banking directly tied into the Facebook environment. MShift's Facebook banking application won the Online Banking Report's "Best of the Web" award for 2007.

On Deck Capital
On Deck Capital offers fair and fast financing to small businesses that do not meet traditional bank lending criteria. The company's proprietary underwriting and loan processing platform looks deeper into the health of small businesses, focusing on the overall business performance, rather than the owner's personal credit history.

Outright.com
Outright.com is incredibly simple, online bookkeeping specifically created for the 20 million Americans who work for themselves. Outright offers a streamlined, online solution, with the bookkeeping needs of the small business owners first. Outright's goal is to keep financial records as simple as possible, helping small businesses accurately track all of their income and expenses to estimate and prepare their taxes. And yes, it works on a Mac too.

PayByMobile
PayByMobile is a virtual wallet that will let anyone text to pay when shopping online. Shoppers load money on their wallet at the same shops where they top up to buy airtime and then simply text to pay when shopping at their favorite online store. PayByMobile uses familiar prepaid mobile usability to deliver a simple yet secure online payment alternative for everyone who has a mobile phone.

People Capital
People Capital underwrites students without credit history by projecting individual income levels and ability to pay. Their Human Capital Score™ incorporates merit data such as GPA, standardized test scores, college and major to provide a true and unbiased, data-driven measure of economic value of an education. Their peer-to-peer lending platform allows students to finance their college educations through improved access to private student loans.

S1 Enterprise
More than 100 banks and three million consumer, small business, and corporate users worldwide rely on S1 Enterprise solutions to access and manage their financial information. A division of S1 Corporation, S1 Enterprise is a leading provider of integrated banking solutions that deliver financial service providers a holistic view of their customers whether online, in the branch or in the call center.

Silver Tail Systems
Silver Tail Systems provides next generation fraud prevention to protect against business logic abuse - a rising threat on application logic costing financial institutions hundreds of millions of dollars and significant loss of trust. Silver Tail products use real-time behavior analysis to detect and alert on known threats and new behaviors, then enables the business to disrupt these attacks in real-time.

SimpliFi
SimpliFi is a free online financial planning and advice service that lets anyone plan for their financial future. The company was founded in 2004 as a tenant company in Wake Forest University's Babcock Demon Incubator. SimpliFi is headquartered in Winston-Salem, NC, and has been providing white label financial planning services to credit unions since 2005.

Skill-Life
Skill-Life, Inc. began as CentsCity, LLC in January 2007 with the goal of building financially healthy youth and communities. Their initial vision of employing online gaming to teach financial skills has evolved into a more interactive, game-based, and comprehensive resource for awarding incentives and building life skills.

SmartyPig
SmartyPig allows customers to open goal-based savings accounts and to invite their friends and family to contribute to their goals. The system is based on proprietary, patent-pending technology and the latest in security standards. SmartyPig's U.S. banking partner is West Bank, a subsidiary of West Bancorporation, Inc. The company's Australian banking partner is Australian New Zealand Banking Group Limited (ANZ).

Strands
moneyStrands is an innovative, easy-to-use online personal financial service that goes beyond providing financial analysis tools, with personalized money-saving advice and recommendations, and lets people anonymously compare themselves with people with similar backgrounds and financial goals. The interface is widget-based and highly customizable by the end user. moneyStrands is accessible via a full-capability mobile web version and a native iPhone application.

Yodlee
Leading financial institutions trust Yodlee to power critical online financial applications. Yodlee's personal financial management, payments, and customer acquisition solutions unify all personal financial account information to deliver a simple, centralized and secure source for consumers to manage all of their financial tasks anytime, anywhere. Yodlee makes financial institutions' websites essential to their customers and generates new revenue opportunities.

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Note: You still have until the end of the week to register for the conference and save $100. Current Online Banking Report subscribers can save even more. Email info@netbanker.com for more info.

Today, we're revealing another handful of the leading fintech companies that will demo their latest and greatest innovations at Finovate 2009 on September 29 in the heart of NYC. The quality and diversity of the ideas that will be demoed on stage is very high this year and we're incredibly excited to showcase all the chosen companies to you.

The additional companies are:

• BlingNation
  
• Credit.com
  
• Simplifi
• SmartyPig

These four companies join 26 we've already announced (list below) as well as two great startups still in "stealth" mode that will debut at the event.

These companies will be showcased to an audience of senior financial/banking/credit union executives, influential press, industry analysts, venture capitalists, bloggers, tech companies and entrepreneurs.

A few of the organizations already committed to attend include: Bank of America, Citibank, WSJ, Microsoft, HSBC, Wells Fargo, American Express, Dow Jones, the Financial Times, E*Trade Financial, SunTrust, ANZ, Capitol One, Financial Insights, Discover, Sybase, Cardinal Venture Capital, Intuit, Consumer Reports, DataMonitor, Canaan Partners, The Economist, BusinessWeek, and Aite Group.

We'd love to have you join us at the fall event and watch the future of finance/banking unfold onstage. If you register before the end of August you'll save $100 via the early-bird ticket discount.

P.S. Online Banking Report subscribers save even more on tickets to all our events PLUS they obviously get 12 months of great research.

September 29th, 2009 is going to be a memorable day in the history of financial technology. Why? Because on that Tuesday, dozens of leading fintech companies will take the stage in NYC at Finovate 2009 to debut and demo their latest and greatest product innovations. The quality of the ideas that will be demoed on stage is very high this year and we're incredibly excited to showcase them to you.

The demoing companies selected (that we can reveal so far) are:

As soon as we wrapped up our second successful FinovateStartup09 in April (Have you checked out the videos from it yet? They're awesome and free to watch.), we ramped up the search for demoing fintech companies for our flagship Finovate 2009 conference (9/29 in Manhattan).

As part of that process, over the last two months, we've looked at hundreds of diverse financial technology companies (some brand new, some very well-established) to find the most innovative, biggest and best new ideas. Those companies were invited to apply for a

From here, we'll spend weeks reviewing the applications we've already received, accepting last-minute ones (until 7/15), and agonizing over which great companies to showcase on stage. But, regardless of the final roster of demoing companies, it's clear that fintech innovation just keeps accelerating. It's very exciting to watch and to get to share with you at Finovate 2009 this fall (and via NetBanker and via OBR).

We'd love to have you join us at the fall event and watch the future of finance/banking unfold onstage. If you register today you'll save $300 via the super early bird tickets. Please note that those prices expire at the end of June.

Over the last several years, we've been happy to have the fall Finovate conference grow and improve with each iteration. And we're pleased to have just successfully wrapped up the second go at our spring startup-only, spin-off version of the conference in San Francisco a few weeks ago (FinovateStartup).

Yet what Jim and I enjoy the most about organizing the Finovate conferences is the increased insight we've gained into the ongoing innovation in financial and banking technology. Every day, we're contacted by new entrepreneurs and intrapreneurs from around the world working hard and smart with amazing vision and passion to improve every aspect of financial technology. And those conversations make us incredibly excited and optimistic about the future -- even in the face of the current economic environment.

So, today, I'm pleased to publish my first post to announce the opening of the company-application window for our upcoming demoing startups fall conference, Finovate 2009, in Manhattan on Sept. 29, because it means we're about to see the next wave of start-up innovators and then will get to share them with you at Finovate this fall.

Please note that the early-bird deadline for applications is June 15th and the final deadline is July 15th. The demoing companies for Finovate 2009 will be announced at the end of July.

P.S. In truth, I'd love to hear from any of you NetBanker readers, Online Banking Report subscribers, or Finovate attendees. Drop me a line and let me know what's on your mind.

We had a blast last week talking to startups and others at our FinovateStartup Conference. Anyone who was there, or followed the blog and/or Twitter coverage (see note 1) would have to agree there were dozens of new and interesting ideas presented.

But the bigger question is, what's next? Will anyone ever use these new technologies, let alone actually pay for them?

Personally, I believe several of the presenting companies are likely to disrupt the status quo. And at least a dozen more have very strong prospects of becoming standalone, profitable businesses.

The rest will need to be deft at creating partnerships with existing brands in order to survive. But overall, the FinovateStartup Class of 2009 was very promising indeed.

But don't take my word for it. Here are links to the articles from other bloggers and press:

Banktastic: Brad Garland and the Banktastic team have compiled the largest library of FinovateStartup content with 54 posts and videos covering the event and companies (link).

BusinessWeek (MBAblogs): Larry Chiang interviews FinovateStartup participants to create this article, What I learned at Finovate that I Could Not Learn at B-School

Celent blog: Celent's Jacob Jegher provides a summary of the major themes and concludes there was not enough emphasis on security by the companies (link)

CNET (Webware) posted a series of three articles:

• Josh Lowensohn looks at the use of PIN codes to safeguard banking and commerce (link).
• In another article, Josh looks at the important issue of trust and online personal financial management (link).
• Finally, Rafe Needleman looks at Prosper's re-launch announced at the conference (link).

Fincision: Wow. Mike Linskey gets double-gold-star, not only does he live-blog every demo, he manages to upload a picture of most. Amazing stamina! (link)

Iconoculture: Hans Eisenbeis explores the startups at Finovate in depth in a three-part series (part #1, part #2, part #3).

Investment News:  Davis D. Janowski writes about the launch of SimpliFi and Mint's new financial fitness wizard (link).

Javelin Strategy blog: Javelin's Mark Schwanhausser is looking for the perfect PFM and is left wanting (link)

Lazy Man and Money: Not at all living up to his pen name, Lazy Man manages to capture the whole show in a series of five blog entries (post #1, post #2, post #3, post #4, post #5)

MobileSlate: Blogger Eric Chan wished for more mobile companies, and concluded, "(Mobile) was definitely on the minds of all the people that I spoke to." (link)

Payments Views: Glenbrook's Allen Weinberg managed to live-blog the entire day with a paragraph on every demo. Winner of the ironman trophy (link).

PC World: Yardena Arar looked at ten startups: Syphr, LowerMyAssessement, Lending Club, Mint, ZimpleMoney, DebtGoal, Credit Karma, Mint, Syhpr, and SimpliFi (link)

Prosper Lending Review: Jessica Ward posted a dozen pre- and post-conference reviews of participating startups (link).

San Francisco Chronicle: Tom Agate primarily discusses Prosper's reopening at the show (link)

The Bankwatch: Colin Henderson writes about the demos from Lending Club, Tempo Payments and Wesabe (link)

Wall Street Journal (Wallet): Mary Pilon handicaps the field in her Wallet blog (link).

Wall Street Journal (VentureWire):  Tomio Geron writes about bringing fun into personal finance tasks and looks at the new offerings from iThryv, Mint and Cooler Inc. (link)

And for those elsewhere in the world:

• Finanzas 2.0 (Spanish) (link)
• Jean Michel Billaut: (French) (post #1, post #2)

Note:
1. See our Twitter updates consolidated into one post here. For everyone's tagged tweets, reference these search results.

Here's the transcript from my live Twittering during Finovate Startup 2009 last Tuesday (in reverse chronological order).

• It's over. Best of Show winners: BillShrink, Prosper, Silver Tail Systems, SimpliFi. Congratulations! Thanks to everyone. 8:01 PM Apr 28th from web

• 36 demos in the bag...finished 7 minutes ahead of schedule! Now to happy hour and more networking..stay tuned for Best of Show at 5:30PM 4:40 PM Apr 28th from web

• Credit Karma is launching white-label solution for financial institutions 4:38 PM Apr 28th from web

• Credit Karma launching Debt Manager. Includes product placement opportunities for lenders 4:36 PM Apr 28th from web

• Credit Karma demoing free credit score trending over time and showing consumers how to save money 4:34 PM Apr 28th from web

• Prosper is also announcing secondary trading market for Prosper-originated loans, pending final SEC approval 4:31 PM Apr 28th from web

• Prosper is opening platform to other financial institutions; first is CPS, large auto lender, who resells on Prosper 4:28 PM Apr 28th from web

• Prosper relaunching today! Nationwide for borrowers but initially just California for lenders due to regulatory issues 4:25 PM Apr 28th from web

• Rudder uses widgets to track and manage, including cool "What's Left" (after all bills paid) and Spend Meter 4:22 PM Apr 28th from web

• Rudder showing its PFM...estimates setup process of 5 to 10 minutes using account aggregation 4:17 PM Apr 28th from web

• DebtGoal.com provides hints on how to negotiate rate reductions with lenders 4:14 PM Apr 28th from web

• DebtGoal.com itemizes the amount of interest to be saved over life of debt by increasing payment amount 4:13 PM Apr 28th from web

• DebtGoal from GoalSpring launching My DebtPlan to help consumers manage and administer their debt 4:10 PM Apr 28th from web

• SmartHippo monetizing through referral fees 4:07 PM Apr 28th from web

• SmartHippo launching SmartHippo answers today! Somewhat like Yahoo answers; lenders can respond, 4:05 PM Apr 28th from web

• SmartHippo showing community-based financial shopping portal 4:02 PM Apr 28th from web
  
• SimpliFi Is different than budget-focused PFMs; SimpliFi focuses on planning; less than 5% of users have financial plans 4:00 PM Apr 28th from web

• Silver Tail Systems also includes a mitigation function that handles the fraud in real time. 3:52 PM Apr 28th from web

• Silver Tail System can even thwart man-in-middle (man-in-browser) attacks by monitoring clickstream 3:51 PM Apr 28th from web

• Silver Tail Systems demoing fraud detection, monitors threats against website; key is monitoring ALL activity 3:48 PM Apr 28th from web

• Green Sherpa is launching public beta today! 3:45 PM Apr 28th from web

• Green Sherpa showing its PFM with 3-step process: 1. Load data 2. Make plan 3.Discuss plan with someone 3:42 PM Apr 28th from web

• HomeATM showing P2P money transfer, both send and receive; also have mobile app where hardware plugs into earphone jack 3:38 PM Apr 28th from web

• HomeATM demoing patented secure PIN encryption through browser using small hardware device 3:32 PM Apr 28th from web

• Final 9 by crowd vote: HomeATM, Green Sherpa, Silver Tail Systems, Simplifi, SmartHippo, DebtGoal, Rudder, Prosper, Credit Karma 3:29 PM Apr 28th from web

• Jwaala showing Michigan First CU transaction widget in iGoogle so consumers can track banking transactions on iGoogle. 3:27 PM Apr 28th from web

• Jwaala integrated credit score history in Michigan First CU online banking; may be a first in the marketplace! #Finovatestartup093:07 PM Apr 28th from web

• Jwaala demoing Michigan First Credit Union implementation of BOB platform; showing smart search with natural language 3:05 PM Apr 28th from web

• Jwaala showing Better Online Banking (BOB) platform which integrates online banking and personal finance 3:02 PM Apr 28th from web

• ZimpleMoney showing how the platform can track all the details of a contract including documents and payments 2:58 PM Apr 28th from web

• ZimpleMoney showing financial transaction platform...loans, leases, rent and so on; landlords using, car dealers etc 2:55 PM Apr 28th from web

• Mobank allows purchase with just Mobank PIN, payment details masked, like Apple App Store; powerful concept for mcommerce 2:52 PM Apr 28th from web

• Mobank demoing purchase of airline ticket using its platform; fantastic graphics using iphone app 2:50 PM Apr 28th from web

• Mobank just launched in UK, will be launching in the USA in a few months 2:47 PM Apr 28th from web

• LowerMyAssessment in 10 states now, more coming 2:46 PM Apr 28th from web

• LowerMyAssessment shows that consumer can find hundreds in savings in a few minutes; has free value monitoring service 2:44 PM Apr 28th from web

• LowerMyAssessment.com launching company today! New tool to help users determine the value of their homes and appeal value 2:41 PM Apr 28th from web

• Aradiom doing mobile demo using iphone; showing mobile token with automatic pre-population from online banking system 2:39 PM Apr 28th from web

• Acculynk provides banks with branding message as consumers make payment via card and PIN. 2:32 PM Apr 28th from web

• Acculynk is making purchase from ShoppersChoice.com; email typo discovered by audience, give that man a prize! Success! 2:30 PM Apr 28th from web

• Acculynk is showing online PIN-based purchase at the online point of sale; demoing purchase live on stage right now 2:26 PM Apr 28th from web

• SecondMarket now lets service providers market within its platform 2:24 PM Apr 28th from web

• SecondMarket online marketplace for trading a wide variety of illiquid asset; launching service provider market today 2:23 PM Apr 28th from web

• Pertuity Direct launching $2500 dollar promotion giveaway to borrower 2:20 PM Apr 28th from web

• Pertuity Direct: Average FICO score of borrowers is 743 since January 2009 launch...prime-to-super-prime segment 2:19 PM Apr 28th from web

• Pertuity Direct has a new way to finance consumer loans, using mutual fund model to gather assets; demoing online app 2:16 PM Apr 28th from web

• Mint is moving to making tracking finance "game like", modeled after computer games, eg Wii Fit, etc. 2:12 PM Apr 28th from web

• Mint fitness 1.Know your money 2.Spend less than you earn 3.Use debt wisely 4.Invest what you save 5. Be prepared 2:10 PM Apr 28th from web

• Mint is launching Financial Fitness today...goal is to get 100% on five principals of personal finance. 2:07 PM Apr 28th from web

• IOUSOS debuted today powered by Globefunder; a semi-automated system for health care providers to make settlement offers 11:07 AM Apr 28th from web

• Home Account launching today a co-branded option today to put mortgage center on other sites 11:03 AM Apr 28th from web

• Home Account partnering with Yodlee; have signed 15 lenders so far for mortgage lead generation 11:02 AM Apr 28th from web

• Home Account showing "mortgage fitness" module to grade user's appeal to mortgage lenders, then present options 11:00 AM Apr 28th from web

• Home Account is showing how it can save average customer $174/mo...and provide best mortgage for life 10:57 AM Apr 28th from web

• Moneta offers revenue sharing with bank distribution partners; could be revenue gain for some 10:56 AM Apr 28th from web

• Moneta demoing the purchase of an airline ticket live on stage from Delta Airlines using Moneta pay option...worked! 10:52 AM Apr 28th from web

• Moneta showing alternative payment system, have signed top-10 bank, will begin rolling out to its customers this summer 10:50 AM Apr 28th from web

• Cooler has contextual ad network that provides links to companies and products to reduce and neutralize carbon use. 10:47 AM Apr 28th from web

• Cooler is first way to see ENTIRE carbon footprint from all you do and buy...has 10-month timeline, can compare to peers 10:45 AM Apr 28th from web

• Cooler showing how users can calculate carbon footprints from their financial data, already online,showing link to Wesabe 10:44 AM Apr 28th from web

• Can People Capital's Human Capital Score disrupt student lending? Will be interesting to follow. 10:40 AM Apr 28th from web

• People Capital shows better way to evaluate students than FICO.uses where going to school,SAT,GPA,etc Human Capital Score 10:39 AM Apr 28th from web

• PeopleCapital is focusing on peer-to-peer lending in student loans; platform is 80% complete 10:37 AM Apr 28th from web

• Micronotes system provides revenue potential to banks while providing unique discounts for customers, if they opt in 10:33 AM Apr 28th from web

• Micronotes connects consumer products to online bills; provides realtime discounts on bills paid if they accept mkt offer 10:31 AM Apr 28th from web

• BillShrink doing partnership with CBS co-brand...closing "shrinkage is good" 10:26 AM Apr 28th from web

• BillShrink's gas savings module shows map of where low-cost gas stations are located; wireless module shows coverage map 10:24 AM Apr 28th from web

• BillShrink showing personal and detailed analysis of 3 verticals: credit cards, wireless carriers and gas stations 10:23 AM Apr 28th from web

• Kapitall showing how to trade using drag and drop from the desktop; company in private beta...public beta this summer 10:18 AM Apr 28th from web

• Kapitall debuting new interface...very different from typical financial services..designers from Apple/gaming industry 10:14 AM Apr 28th from web

• KnowBeforeYouApply launching mortgage offers today; lead gen platform with real-time rates based on your credit score 10:11 AM Apr 28th from web

• KnowBeforeYouApply from Centrro provides credit grade then shows individual offers 10:10 AM Apr 28th from web

• Wesabe is announcing first client for its white-label program Delta Community Credit Union, Georgia's largest CU 9:43 AM Apr 28th from web

• Wesabe demoing new user interface..very modern look; launching new native iPhone app today; can signup for acct on app 9:41 AM Apr 28th from web

• Wesabe launched 2.5 years ago, can Twitter transactions into your PFM account 9:39 AM Apr 28th from web

• Tempo Payments adding rewards to the card, can be cash back or other options; 80 to 90% of apps approved real-time 9:35 AM Apr 28th from web

• Tempo Payments showing new decoupled debit card, first step, download your image to put on the card..full card face..nice 9:32 AM Apr 28th from web

• Lending Club is adding more tools to help investors see how they are doing in ROI..can compare to the entire community 9:30 AM Apr 28th from web

• Lending Club says that its been able to get 75% of its late loans to current 9:28 AM Apr 28th from web

• Lending Club's secondary market has had US$2 million in trading volume, average time to trade is just 2 days 9:27 AM Apr 28th from web

• Lending Club launched self-directed IRA option several weeks ago for investors.. 9:26 AM Apr 28th from web

• iThryv built incentive module into the platform so FI clients can add rewards; includes content management 9:22 AM Apr 28th from web

• iThryv "online banking for kids and young adults" includes financial literacy...partnering with iPay for bill pay 9:20 AM Apr 28th from web

• MoneyStrands running a clever contest from the stage...search their website and Twitter the answer to win $100 9:14 AM Apr 28th from web

• MoneyStrands has v2 iphone app expected to be in App Store in a week or two 9:13 AM Apr 28th from web

• MoneyStrands includes PDF report option to print/save reports....widgets can be added to page to track feeds/news 9:12 AM Apr 28th from web

• Strands PFM shows what's just happened with your finances across the top...handy way to drill into what's important now 9:08 AM Apr 28th from web

• ReceivablesExchange showing first online marketplace for buying/selling accounts receivables..avg invoice size = $50k 8:59 AM Apr 28th from web

• CircleUp's SmartPay system has messaging center to track/communicate with the group..can be used on Facebook, AOL, widget 8:54 AM Apr 28th from web

• CircleUp is demoing a system to collect money from groups...such as a kid's soccer team collecting for pizza party.Useful 8:50 AM Apr 28th from web

• kaChing will be offering mirrored investing that will allow you to automatically trade like who you are following 8:47 AM Apr 28th from web

• kaChing has over 300,000 registered investors.only 25,000 with positive returns in 2008..grades investors by investor IQ 8:44 AM Apr 28th from web

• At Expensify you can just email your receipt to receipts@expensify.com to add to your account...like Tripit.com 8:38 AM Apr 28th from web

• Finovatestartup09 has begun....first demo is from Expensify.8:34 AM Apr 28th from web

After a wonderful day in San Francisco featuring awesome demos from 56 startups, four emerged as FinovateStartup Best of Show winners. 

All attendees, except for the startups themselves, received a ballot which allows them to rate each demo on a scale of one to six. At the end of the final demo session, the ballots are tallied and the presenters ranked based on their average score. A majority of attendees completed a ballot, so it's a good indicator of the group consensus.

It was a tight race, but the peoples' choice today are as follows (in alphabetic order). Congratulations!

               BillShrink                                                            Prosper

Silver Tail Systems                                                    SimpliFi

There's good news in peer-to-peer lending today as Prosper reopened for business. The announcement was timed around its appearance at FinovateStartup today.

The company is adding a loan-resale component called Open Market (see diagram below). Open Market loans are initiated by other financial institutions, then resold on the Prosper platform. Open Market loans must have been originated by Prosper-vetted financial institutions, and be current and have had at least three on-time payments.

We'll look deeper at the new Prosper in coming weeks; for more coverage now, check out articles today at The Wall Street Journal, CNET and the San Francisco Chronicle. 

How Open Market lending works

It promises to be a big day in the world of financial innovations as 57 companies demo new products and services at our FinovateStartup 2009 Conference. Whether you are in the auditorium or not, you can follow the Twitter, blog, and Flickr streams through our FinovateStartup Live page (see screenshot below).

The Live page will also contain the real-time webcast. There is still time to purchase access to the webcast (see note 1). You'll also receive the 70-page PDF summarizing all 57 participants (links to companies here).

Although we've live-blogged in the past, we are moving most of our live coverage to Twitter. At seven minutes per demo and one minute in between, there's really not enough time to do much of a blog post. Twitter is a much better way to keep the info flowing. I'll be twittering under the Netbanker handle and our conference director, Eric Mattson, will broadcast under the Finovate name.

We'll blog about the event afterwards and announce Best of Show winners. There will also be blog coverage during the day at Banktastic and others.

FinovateStartup Live page (link)

FinovateStartup 2009 participants

Note:
1. Online Banking Report subscribers and Finovate alums receive a 50% discount on the webcast, email info@netbanker.com for the code if you don't have it. Press and bloggers can receive free access by emailing jim@netbanker.com.

Every demo at our FinovateStartup and Finovate conference is videotaped and eventually uploaded to the conference website to be viewed later. Typically, the edited videos are available about a month after the conference.

But this year, we will webcast the conference in its entirety live. If you can't make it to San Francisco next week because of time or budget issues, the webcast is a lower-cost option that provides real-time access to the new demos. 

The webcast will include more than 5 hours of live demos beginning Tuesday morning April 28 at 8:30 AM Pacific and ending before 5 PM. See our previous post for a list of the 57 demoing companies. The exact schedule will be sent to you along with instructions for logging in. To help follow the action, webcast registrants will also receive the 70-page PDF file that profiles all 57 participating startups.

Register online here. Cost is US$495 per computer connecting to the webcast. Note: Online Banking Report subscribers and alumni of past Finovate and FinovateStartup conferences receive a substantial discount on the registration fee (email info@netbanker.com or call 206.517.5021 to obtain your customer discount code).

Press, analysts, and banking industry bloggers may request complimentary webcast access by emailing jim@netbanker.com.   

While there is still plenty of bad economic news, positive reports are starting to trickle in. Hopefully by this time next year, the Great Recession will be in the rear-view mirror.

Our bit of optimistic news is the outstanding turnout for our second annual FinovateStartup conference taking place April 28. Thanks to the creativity, energy, and sheer willpower of fintech entrepreneurs worldwide (note 1), we have 57 startups participating this year compared to 39 in 2008. And we've just surpassed last year's event registration total ensuring that the auditorium will be buzzing with an audience ready to feed on all those new ideas.

And more important than raw attendance numbers, is the fact that subjects being tackled this year are much bigger and potentially more disruptive than last. It's almost mind-boggling when I look at the list of demos we'll see in a single day (note 2): 

• A bank optimized entirely around the mobile channel
• A new approach to decoupled debit
• Several approaches to dramatically lowering transaction costs at
  the online point of sale by bypassing Visa and MasterCard
• A mutual fund created to invest in unsecured personal loans
  originated online in a social environment
• New peer-to-peer services supporting borrowing and payments
• The integration of financial management tools with payments accounts
• Platforms that allow financial institutions to customize their own
  financial offerings around market segments and/or personal finance needs
• New, transparent marketplaces for buying and selling debt instruments in
  large quantities ($ billions potentially)

We truly appreciate the show of support in a trying year and even now are plotting ways to get even more startups on stage next year. For a complete list of startup demos, see our Quick Guide.

If you haven't registered yet, this is the last week to do so and save $100 over the last-minute price.  

Notes:
1. See our previous post, "Why Financial Technology Remains Important"
2. It's a single-track event, so you'll be able to see all 36 demos. The secret, each lasts no more than seven minutes.

In previous posts we've announced the innovative young companies participating in our FinovateStartup conference. The entry deadline to demo has passed, so we are able to bring you the final list of 57 young companies showing their latest and greatest on April 28 in San Francisco (see note 1).

There are still a few days left to register for the conference and save $100 compared to last-minute prices. Current Online Banking Report subscribers can save even more. Email info@netbanker.com for more info.

Here's a breakdown of the participants by main subject area with sub-categories in parentheses:

Alt-payments

• CircleUp* (youth, social media, P2P)
• HomeATM (security)
• Moneta*
• Tempo Payments* (debit)

See also, Acculynk (security), Expensify (small biz), Seergate (platforms)

Banking/lending platforms

• Jwaala* (PFM)
• Seergate (alt-payments)
• ZimpleMoney* (lending)

Bill payment

• IOUSOS* powered by Globefunder (small biz, P2P)
• Micronotes* (direct marketing)
• nCore (remittances)

Financial markets (B2B)

• Receivables Exchange* (bill payment)
• SecondMarket* (investments)

Home/real estate

• Home-Account* (tool)
• LowerMyAssessment.com* (tool)

See also, Centrro (search), SmartHippo (search)

Investment management

• AlphaClone
• kaChing*
• Kapitall*
• Portfolio Monkey
• ValueCruncher (tool)
• WeSeed 

Mobile (note 2)

• iBearSoft
• MoBank*

See also, Aradiom (security)

Personal finance management/tools (PFM)

• BudgetPulse
• BudgetTracker
• CalendarBudget
• ChartMechanic 
• GreenSherpa
• Looniesdesk.com
• Mint*
• MoneyStrands*
• PennyMinder
• Rudder
• SimpliFi
• Wesabe*

See also, BillShrink (search), Expensify (small biz), iThryv (youth), Jwaala (platform), OurCashFlow.com (small biz)

P2P lending/credit

• GoalSpring (tool)
• Lending Club* (investments)
• LendingKarma
• Pertuity Direct* (investments)
• Prosper

See also, People Capital (youth/student), ZimpleMoney (platform)

Search/discovery/comparison

• BillShrink* (PFM, tool)
• Centrro* (lending, real estate)
• CreditArray (lending)
• Credit Karma (lending, tool)
• Mozo (lending)
• SmartHippo (lending, real estate)
• Syphr (credit reports)

Security

• Acculynk* (alt payments)
• Aradiom* (mobile)
• Silver Tail Systems
• ThreatMetrix
• Victrio

Small business

• Cooler Inc. * (tool)
• Expensify* (PFM, prepaid debit)
• OurCashFlow.com (PFM)
• Transparent Financial Services (card processing)

Youth/student

• iThryv* (platform, PFM)
• People Capital* (P2P lending)

*Guaranteed to demo live from stage on April 28; nine others will be selected by the audience to demo live in the last session of the day (see note 1).

Notes:
1. Due to time constraints, only 36 companies will demo live on stage April 28, while all 57 companies will be showing their products on the demo floor and be recording demos for later viewing online. 
2. A number of the companies have mobile applications/versions which they may choose to demo at the event.

The deadline for startups wishing to participate in our second annual FinovateStartup conference was a few days ago. The final seven startups added to the lineup are:

• ChartMechanic: A startup working on better data-visualization tools
• GlobeFunder: A financial services company with solutions for P2P lending and healthcare
• LowerMyAssessment.com: A web-based tool designed to help consumers lower their property tax payments
• Micronotes: A interactive direct marketing specialist leveraging opportunities in bill payment
• MoBank: A UK-based startup about to launch a mobile shopping and banking service (previous post)
• SecondMarket: A marketplace for illiquid financial assets such as bankruptcy claims, restricted stock and so forth
• ValueCruncher: A New Zealand-based startup that allows users to compute and share public company valuations

That brings the total number of demo’ing startups to 57 (see below). It’s going to to be an inspiring and educational day. If you are involved in charting the course for your company’s Web-based, mobile, or alt-delivery strategies, you should be there. Pick up your tickets here.

With our FinovateStartup conference just a month away (April 28), I wanted to alert readers to the upcoming early-bird deadline. This Tuesday, March 31, is the last day to save $100 by purchasing tickets for the early-bird price of $895 each. Registration is here.

You've seen the amazing lineup of 52 participating startups (latest four here plus previous 48 here), but I also wanted to point out there is an equally impressive lineup of attendees already registered for the event (see selected logos below).

Whether you work for a tech company, bank, credit union or other financial services company, there is no better way to be exposed to so many new ideas in just a single day. It can be extremely thought-provoking to view the market through the lens of focused, energetic and creative startup. It's an entire day thinking outside the box. 

Some of the ideas you'll experience April 28:

• Opportunities with decoupled debit
• Social savings, lending and investing
• Helping consumers find the best financial solution to fit their needs
• How to leverage the community to help solve financial problems 
• The grand reopening of person-to-person lending
• New mutual funds targeting retail investors
• The best ideas for online personal financial management
• New ways to help users find and track investments
• Using PIN-debit online
• How to help consumers manage their total debt
• Small business solutions for managing expense reports online
• iPhone applications that help you engage customers
• An online solution for accounts-receivable financing
• Using the credit report/score as a jumping off point to targeted offers
• New ways to increase actual and perceived security
• Mortgage optimization engine

Sample of registered attendees for FinovateStartup 2009

Participating startups at FinovateStartup 2009

We are pleased to announce four more companies to the Finovate Startup conference lineup. The total number of demoing companies now stands at 52, 13 more than last year (see logos below; company descriptions here). Startups have just a few more days to apply (see note 1), so we'll be announcing the final lineup shortly.

Here are the latest additions:

• BudgetPulse, an online personal financial management service
• Mozo, a financial services comparison engine out of Australia
• SeerGate, a startup working on popularizing online debit payments
• Tempo Payments, looking to make decoupled debit a household word
  

About FinovateStartup2009
The second annual FinovateStartup conference will be held April 28 in San Francisco. At the event, select startups in financial services technology have six minutes to demo their latest and greatest to execs and investors in banking and financial technology. The one-day event is organized by the publisher of Netbanker and Online Banking Report.

Early-bird deadline: You have until Tuesday, March 31, to reserve a seat at the early-bird price (here).

Notes:
1. Financial services technology companies should contact Eric Mattson before March 31 to participate in FinovateStartup (eric@netbanker.com, main office: 206.517.5021).

The Garland Group's banking community arm, Banktastic, has provided thorough coverage of Finovate and FinovateStartup events (note 1). This year they are way out in front, posting video interviews with Finovate Startup 2009 participants in advance of the upcoming April 28 conference (see note 1).

So far Banktastic has posted a half-dozen 9- to 10-minute video interviews here (note 2) with more to come. Here are the interviews in reverse chronological order: 

• Ncore Systems CEO Nicholas See
• ZimpleMoney ZEO Steven Rabago
• BillShrink CEO Peter Pham
• iThryv CEO Scott Klososky
• DebtGoal (GoalSpring) founder Steve Richmond
• CalendarBudget co-founder Eric Poulin

Screenshot of Banktastic interview with ZimpleMoney founder Steven Rabago (link, 25 March 2009)

Notes:
1. Thanks to the Banktastic team: Brad Garland, Lisa Randolph and Mark McSpadden.
2. You can still save $100 by registering for FinovateStartup (here) by the end of March. 
3. Banktastic's interviews are done via webcam, with the image of both participants superimposed over screenshots/demos from the company's websites (see above). Interviewer Brad Garland controls the website views. 

To give you an idea of the types of innovations being funded in financial services these days, here's a capsule description of the first 48 companies demoing at FinovateStartup April 28 in San Francisco (note 1).

Attention attendees: You have just one day left to register (here) at the discounted price of $795. 

Finovate Startup 2009 Participants

Acculynk
Acculynk is a payments solutions provider with a suite of software-only services that secure online transactions by utilizing a graphical, scrambling PIN-pad for the secure entry of sensitive cardholder information.

AlphaClone
AlphaClone is a web-based investment research service that lets users explore the investing ideas of top hedge fund and institutional money managers.

Aradiom
Aradiom is a mobile solutions provider and designer of Java mobile applications and platform development technology including turn-key applications, embedded soft-token security solutions and BlackBerry® enterprise applications.

BillShrink
BillShrink is a personalized savings advisor that helps consumers make smart, money-saving decisions by providing continuously updated, personalized, usage-based recommendations on everyday services like credit cards and cell phone plans

BudgetTracker
BudgetTracker is a personal finance manager that allows users to manage their finances and keep track of their budget, bills, and transactions online without having to install software.

CalendarBudget
CalendarBudget is a free online personal budgeting tool that helps users organize and track their finances, plan future spending and save money.

Centrro
Centrro is a financial search engine that allows consumers to anonymously shop for personal financial products that best fit their specific credit profile.

CircleUp
CircleUp provides group communications services, which enable actionable and efficient interactions across diverse social, email, mobile, messaging and private web networks.

Cooler Inc.
Cooler Inc. enables users to know, decrease, and offset the global warming impact of their everyday purchases and activities by using the country's only peer-reviewed carbon calculator to calculate impact and then providing reductions targets and strategies, and offering recommendations on high quality carbon offsets.

CreditArray
CreditArray is a vault of proprietary information to allow consumers to better apply for and manage their credit portfolios.

Credit Karma
Credit Karma provides consumers free access to their credit score and offers credit simulators, advice, and credit score comparison tools in order to allow them to more actively manage their credit and financial health.

GoalSpring
GoalSpring's product, DebtGoal, makes paying down debt as easy and efficient as possible by taking into account all of a customer's debt and helping them organize, optimize and pay it down.

Expensify
Expensify simplifies keeping track of business expenses by combining an electronic payment card and a web-based expense manager to automate expense report preparation, approval, and reimbursement.

Green Sherpa
Green Sherpa offers personal cash flow management software that lets users conveniently download, manage and update all their financial accounts via a single online resource.

Home-Account
Home-Account is in stealth mode at this time. 

HomeATM
HomeATM provides a secure PIN debit and PIN credit card transactions method via the Internet that utilizes the HomeATM swipe pad technology to allow users to conduct secure PIN-based transactions from home, ensuring virtually zero fraud and lower merchant processing fee costs.

iBearSoft
iBearSoft is the creator of iBearMoney, a personal finance application for the iPhone that allows users to input and categorize their transactions, run financial reports, analyze payments, and keep track of expenses.

iThryv
iThryv is a financial literacy platform that combines a content delivery system and an incentive system in order to create an immersive learning environment which provides a powerful tool when used in partnership with online banking and core providers.

Jwaala
Jwaala provides software for banks and credit unions that improves their online banking services. Their MoneyTracker application offers a personal financial management solution that can be added to any bank or credit union's existing online banking solution.

kaChing
kaChing is a social investment community that applies an open source and social-networking strategy to offer every investor the opportunity to find outstanding investors, emulate their portfolios, and access the returns, insights, transparency and talent previously only available to wealthy individuals.

Kapitall
Kapitall is a rich web application that aims to make investing easy for everyone. Inspired by game design, Kapitall combines an graphical user interface with tools that make it easier than ever to research companies, build portfolios, share ideas and get smarter about the market.

Lending Club
Lending Club is an online social lending network where people can borrow and invest money at attractive rates.

LendingKarma
LendingKarma is a person-to-person lending site that makes it easy for parties that know each other to create loans and provides borrowers and lenders with tools to help service the loan and see it through to repayment.

Looniesdesk.com
Looniesdesk.com enables people to manage their finances online using an open source financial platform that allows developers to build sophisticated applications which will help users enhance their experience and increase the efficiency of the service.

Mint
Mint is an online personal finance service that securely downloads users' financial transactions, allows them to categorize their transactions, provides a unified view of all account activity and relevant account alerts, and offers personalized suggestions for significant savings opportunities.

Moneta
Moneta provides a secure, quick and easy form of online payment that directly debits users' checking or money market account allowing users to only enter a secure username and password when making online purchases.

NCore
NCore provides enterprise class delivery channel solutions to financial institutions within the Asia Pacific and Middle East regions fusing applications, innovative security and middleware technology into a single integrated platform.

OurCashFlow
OurCashFlow offers personal finance management tools for financial institutions that can turn their website into a place where customers can create a budget, save money and achieve their savings goals.

Pennyminder
Pennyminder helps individuals and small groups manage their shared and personal finances by tracking deposits and withdrawals allowing them to see what's happening with their money

People Capital
People Capital is a peer-to-peer private student loan service that utilizes a unique scoring system to predict a student's potential and provide a true, unbiased measure of the economic value of an education that empowers students to make better educational decisions and offers multiple advantages for both borrowers and lenders.

Pertuity Direct
Pertuity Direct offers social lending for personal loans by bringing together the advantages of capital markets, social networks and traditional banking.

Portfolio Monkey
Portfolio Monkey provides free online portfolio management tools to help average investors optimize their portfolios and find customized investment ideas so they can create more efficient portfolios with higher expected return and less risk.

Prosper
Prosper is a person-to-person lending marketplace where people list and bid on loans using Prosper's online auction platform.

The Receivables Exchange
The Receivables Exchange is a real-time online market for trading accounts receivable that gives businesses access to working capital at a competitive cost by connecting a global network of accredited investors to the nation's small and mid-sized businesses.

Rudder
Rudder is a free personal finance software designed to minimize the effort required in managing money by helping users to manage their budget, track their bills and analyze their expected income and projected expenses.

Silver Tail Systems
Silver Tail Systems provides fraud prevention to defend users' websites against business logic abuse through the use of behavior detection, efficient investigation and real-time mitigation to track suspicious behavior and divert the bad actors, leaving legitimate users unaffected.

SimpliFi
SimpliFi provides independent financial advice online. Users can complete a profile and receive a personal financial plan with specific actionable steps.

SmartHippo
SmartHippo uses the power of the community to find users the best rates on financial products and services.

SmartyPig
SmartyPig is a social saving service that helps users save for a specific goal by allowing them to invite others to contribute to their account, providing incentive boosts from top retailers, and offering a competitive interest rate.

Strands
moneyStrands is a money management service that helps users get information on anything from practical savings tips to getting help tracking expenses down

Syphr
Syphr is a technology and marketing credit union service organization that created RateMatch, a service that matches participating credit unions with the thousands of credit report purchasers per month.

ThreatMetrix
ThreatMetrix helps companies control online fraud and abuse in real time by profiling the device used in an online transaction so companies can determine whether the users are fraudsters or customers.