Live from Finovate Startup 2009

• 11:30 PM mikelinskey - Finovate Start-up 2009 kicks off at 8:30am PDT (16:30 BST) in UCSF Mission Bay Conference Center, San Francisco.
• 4:24 PM mikelinskey - Ten minutes to go, and the auditorium is filling up. Not many seats left in the blogging stalls at the front! At least the wifi is working here this time. First up will be Expensify who do “expense reports that don’t suck”.
• 4:32 PM mikelinskey - Jim Bruene’s on. 20% increase in audience numbers this year. “Ton of exciting things” to see today. 
• 4:38 PM Fincision_UK -
  
• 4:40 PM mikelinskey - Expensify are on. Imports your existing credit card, or sign up for an Amex Blue card – they’re an affiliate. Also integrate with Mastercard prepaid cards. 92% of US credit cards can be imported – just demo’d a set up which took seconds. Doesn’t just import the data, also presents images of receipts that are IRS compliant for expense reporting purposes. Can also email in receipts , and then drag n drop onto the expense line in the electronic statement. Also handles SMS! Demoing the reporting interface now, all looks slick so far. Full colour expense report in DF format created and available to email to line manager.
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• 4:47 PM mikelinskey - KaChing’s turn. An investment site with “radical transparency”. 375,000 investors on-site with 25,000 with positive returns in 2008. Performance and Risk metrics filtering (Sharpe ratio etc.) for kaChing’s investor community, made up of mutual find and hedge fund managers. Individual manager picture, philosophy, breakdown of gains & losses, current asset allocation and risk metrics. Also shows holdings breakdown, including stocks that are being watched, the research around the stock choices (including personal notes etc.) and a transaction history. Later this year, launching mirror trading, so investors can ‘follow’. Run on 5 platforms – web, myspace, facebook, iPhone app, and an API. Very slick (except for the firefox crash toward the end. Hard luck, guys).
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• 4:54 PM mikelinskey - John Payne and Brad Cooper of CircleUp are on. SmartPay is the next generation of online ways to pay. Integrate with single sign-on to websites. Send a message to a community (demoing eTeams integration), asking for payments for a team party. Message is sent to users and appears in a widget allowing them to pay immediately. Message can also be delivered via email, AOL webmail. Can pay via Amazon? Demoing a Facebook application as a support group for grous and events. Affiliate model also available, and rolling out a new release within the next month. Estimate the market for these micropayments is $40bn
• 5:02 PM mikelinskey - Nick from Receivables Exchange is going to show us the world’s first online marketplace for receivables, allowing companies to sell their receivables to improve cashflow. This isn’t factoring though. This is a realtime online marketplace, no restrictive covenants or guarantees, the exchange brings buyers and sellers together. Buyers compete in an online auction to purchase receivables. Demoing the seller component first. Select invoice(s) from an online basket, set the auction duration, set minimum advance and/or buyout options. Post the auction for sale, and the auction goes live. On the buy side, presents a list of live auctions, and the bid book and company profile for a particular auction. This is a bit off-the-wall for me, but looks very cool. Is this another asset class emerging? Showing how to actually bid now. Four or five data points, and it’s done. Can over-ride th auction and ‘buy out’. Whoops Nick got cut off for running over time!
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• 5:05 PM mikelinskey - Here come MoneyStrands: “Money Management Made Fun”! Introducing Monica the virtual spokesperson. Whoops. Firefox address not found, demo has ground to a halt. Techie on stage to trying to fix it. Feel sorry for Atakan – he didn’t even get 30 seconds in!
• 5:06 PM ryan_adami - #finovate :: It’s a mac! That’s your problem . . . lol
• 5:13 PM mikelinskey - MoneyStrands Take 2. Powering BBVA personal finance management platform in Spain. Dashboard shows alerts. Widget-based, can drag n drop to re-arrange. Data analysis of income & expenses (automatic categorisation), and trending. Also shows whether managing money properly – living within means. Oops, more technical problems, this time in the app. Budgeting, configurable alerts (by email if needed), and and a sexy debt to income ratio display based on weather icons. RSS newsfeeds can be integrated into the site. Highly customisable interface. can also compare spending patterns to MoneyStrands community. Offers recommendations from professionals, plus products. IPhone MoneyStrands app available in about a weeks time on AppStore. More technical problems – can’t get into iPhone app: network error. Shooting for simplicity & ease-of-use; looks like they’re getting there. Very nice app.
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• 5:14 PM netbanker - MoneyStrands running a clever contest from the stage…search their website and Twitter the answer to win $100 #Finovatestartup09
• 5:14 PM mikelinskey - Scott from iThryv gets muted applause! Poor guy, hasn’t said anything yet! Just standing there, not saying anything, trying to log in. Doh! COME ON!
• 5:22 PM mikelinskey - At last. 30 seconds in and he opens his mouth! 2nd gen online banking system – trying to solve the problems with online banking. Finovate tends to show off services, not platforms – Scott has a platform. Configurable flavours of online banking – based on demographics etc. Demoing an 18-24 year old flavour. Big widget inventory (60-75 widgets) allowing user to assemble their own desktop, banking toolbar etc. Uses 3rd party widgets to deliver services to the platform. Intelligent content delivery – video, graphics, text tied to the user and the task they’re trying to complete. Content delivery targeted based on a user’s financial score. Also has an incentive marketplace, where the Financial institution can give out points for looking at new products, making deposits etc. Budget & goal widgets, aggregating lots of “cool services” to build out the platform. Now demoing a platform for 5-10 year olds. same platform, but massively different UI. Showing Kids Business plans to show them how to make money. This looks superb! Love it!
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• 5:29 PM mikelinskey - Renauld and Rob from Lending Club are up. Now offering P2P loans via a self-directed IRA! Wow. First demo is of a secondary loan market trading platform. $2m in trading volume over last few months, and less than 2 days to transact; very liquid. 9.00% average investment return. Close to 1800 notes available righ now to purchase. Showing credit score changes (FICO recaluclated monthly) to help identify good buying opportunities. Drill down into note to see repayment history. Lending Club surveyed their users to identify what new features they wanted. Lending club about to release community features – how well you are doing against the rest of Lending Club’s users.
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• 5:35 PM mikelinskey - Tempo Payments are up. Debit card usage growing faster than credit cards; will surpass cash, cheque and credit cards in under 2 years. Tempo lets you apply for a debit card that isn’t issued by your bank! To set up, upload your own image that covers the whole of your card! Step 2 is the application step. Provide basic information about yourself and your bank account. . What’s the point of this? Rewards! You don’t get any with traditional debit cards, but Tempo cards give you cashback, charitable donations etc. Making affinity marketing available for debit cards, without changing provider. Tempo wants to be MBNA for debit cards!
• 5:43 PM mikelinskey - Last presentation of first session: Wesabe, and Gabe Griego. Going to talk about the history, evolution of Wesabe, and some exciting new announcements. Started 2 years ago to take on desktop financial management tools. Recently added twitter integration, and ‘cut back’, which goes through list of repeating transactions, and suggests ways of saving money. Today, going to show their new user interface: “ease of use is what its all about”. New dashboard, drilldowns into accounts, grouping accounts to analyse financial trends. Wesabe just launched a new iPhone application – which also allows signup into Wesabe (don’t need desktop). iPhone app using geo-tagging. Wesabe Springboard now open for business: white-labelled version available to financial institutions. This is the Mint-killing play! Game on! In 6 weeks, they’ve signed up Georgia’s largest credit union. More to come…
• 5:51 PM mikelinskey - First session is over. Some very interesting apps shown already. I think my favourite is iThryv, closely followed by kaChing. Time for a break; back in 10 minutes.
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• 5:58 PM mikelinskey - One thing a bit puzzling about this conference: it’s supposed to be about start-ups, but companies like Lending Club, Wesabe, Mint etc. hardly fit that category. Why are they here? I don’t mind Finovate being a bi-annual event, but maybe it’s time to drop the ‘Start-up’ tag from the Spring version?
• 6:11 PM mikelinskey - Time for round 2, and Ike Eze from Centrro is kicking things off. Ike introduces “Know before you apply”, using credit score in the search process, so you know if you qualify for a loan or credit card before applying. Doesn’t need much data to get going. This bit is important: using this tool doesn’t affect your credit score! Instead of showing a credit score, uses a credit grade (A though to F) to make FICO scoring mure user-friendly. Users are presented with suitable credit cards, home loans and auto loans. Also allows users to track credit grade monthly for free (comparable services cost over ($180). Can filter offers based on criteria user is interested in. pre-screening results in a 9 out of 10 success rating on application. There’s a lead bid platform behind the Home Loans app, so brokers can compete against financial institutions. Looks good.
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• 6:19 PM mikelinskey - Kapitall next. Cordell Ratzlaff wants to make finance as approachable as Apple has made computing. Still in private beta. very sexy looking UI – radically different to the competition. Drag n drop “playground” organises financial information. Stock information very nicely presented; good design. Can drag sets of stocks into the toolbar to access analytical tools. Cordell is demonstrating the stock comparison tool. Fires up a scatter graph of Beverage stocks. Lots of nice animation. Portfolio management also looks very neat. Kapitall aims to go live at end of Summer. Private beta places now available.
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• 6:26 PM mikelinskey - Billshrink analyses your spending an suggests ways to save money by recommending alternatives. detailed analysis of credt card costs, rewards etc. Billshrink isn’t just about credit cards, though, but can import your mobile phone bill details and then suggest a better mobile phone plan, even showing how much can be saved in $ amounts, including switching fees! Integrates a mobile phone coverage map, and scores against how user actually uses their phone. Billshring kust added Gas Station tool, which even works out if it’s worth driving out of your way to get a lower gas cost! Dashboard allows you to set up alerts on how to save money based on usage and thresholds. This is VERY clever; I could use this. CBS are going to co-brand Billshrink. “Shrinkage is good! Great presentation, guys…
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• 6:32 PM mikelinskey - Micronotes connects online brands to bill payments. It uses consumer information to build an audience for campaign management. The Campaign management is patent-pending. Micronotes integrates at the point user is paying a bill, and offers to lower that bill by answering marketing questions. Once the questions have been answered, the user saves money and also gets a coupon offer that is targeted/ relevant. “Everybody wins in this process”. Micronotes wants to partner with consumer banking & online brands.
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• 6:40 PM mikelinskey - Thomas & Al from People Capital are on next, a vertical direct lending platform focussing on student lending. People Capital looking for funding at the moment. Demoing one particular aspect of their platform today. Presentation is a bit waffly; haven’t really seen anything yet, and we’re already half way through. Human Capital Score based on prjections of college students projected income paths in the 10 years after graduation, which allows them to be categorised into different risk profiles. Nice graphic, but the power is under the hood though, with a complex algorithm running the show. Unfortunately, the presenter’s style is killing this. I think it’s a good product, but I just can’t get past how bad this guy is at explaining it!
• 6:48 PM mikelinskey - Hopefully, Cooler can present their product in a more engaging manner! Cooler lets you calculate your climate impact directly from your financial data, and how to save or make money, and save the planet! This is a B2B SAAS platform, already working alongside eBay etc. Demoing a link to Wesabe to calculate personal carbon footprint, and how much could be saved by doing things like recycling electronics, or eating locally grown food. Also compares your score to the community. Cooler also contains the world’s first cntextual ad network aimed at reducing climate impact. For example, can identify airlines that allow you to offset carbon emissions for your travel plans. Wow; this is a bit off the wall. Aiming at online finance, banking and bill payment partners. Very nice idea.
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• 6:55 PM mikelinskey - Moneta is an online payment service: easy & secure for consumers, but 50% of the cost of a credit card transaction for retailers. They’ve just signed a top 10 bank as a partner. Dr Guido Sacchi, CEO, is demonstrating a live purchase of an airline ticket via the Delta website. Selecting Moneta as a method of purchase brings up Moneta’s iframe within the Delta site allowing the consumer to complete the purchase. Looks like a cheaper version of PayPal. Incorporates rewards & incentives scheme. Guido has just shown his bank statement to illustrate the transaction, and that he needs funding! Revenue share details sound good. Nice presenttaion.
• 7:03 PM mikelinskey - Mark Goldstein of Home Account is up, a solution to replace mortgage brokers! They promise to provide people with the best mortgage for the rest of their lives, and typically save around $174 a month. Users create a profile, inc. existing mortgage details. Home Account has partnered with Experian for credit data, and Yodlee for banking data. User fills out a Mortgage Personality Questionnaire, and get a Mortgage Fitness workout which aims to improve ability to get better mortgage rates. Users then get a Kayak-style search & filter tool to help select a lender from Home Account’s panel. Once introduced, the lender has 48 hours to lock in the customer. Lenders are very excited, as they are getting pre-qualified leads for free. Home Accounts launching a revenue-sharing co-branded version today
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• 7:10 PM mikelinskey - Last presentation of the morning: IOUSOS, a medical bill clearing house. Half of USA bankruptcies are caused by medical debt. Brian & Chris are demoing the registration process. On sign-in, user gets a “Cure your Debt” page, offering discounted bills if they are paid quickly. Users can select discounted payment plans to sign up to, and then provide payment details. Patients & providers both win. Now launching an associate sales programme. Very slick.
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• 7:11 PM mikelinskey - That’s it; morning is over, time to do some networking. Fincision will be back for the afternoon sessions in around 2.5 hours!
• 10:02 PM mikelinskey - OK, back for session 3. Only 18 more demos to go! Stick with me…
• 10:12 PM mikelinskey - Time for Aaran Patzer from Mint. In 18 months, 1m people have signed up. Talking to users, Mint identified that people dont know what next steps to take. Today, mint is launching Financial fitness. Each month, users get a score, based on 5 principles of personal finance: know your money, spend less than you earn, use debt wisely, invest what you’ve saved, and be prepared for the unexpected. Each principle has a why and a how attaching to it, and includes a mixture of on-platform actions and links to external affiliates. This is a rolling review, as the fitness check works out the trend for achieving each of the actions associated with the 5 principles. Mint thinks this is “game-like”, and studied Wii fit and World of warcraft to influence the structure of this new tool. Very neat, and a nice, simple presentation.
• 10:19 PM mikelinskey - Kim from Pertuity Direct is up next. They’ve built a new way of funding consumer receivables: social lending on a mutual fund model. Launched in January 2009, borrowers fill out an online request for a loan which also includes a ’story’ i.e. what you want the loan for. Decisions happen within a couple of minutes, including a preliminary loan agreement. Experience from launch shows borrowers typically have very good credit scores. Investors place money into an SEC-registered mutual fund; investing is also online. New functionality coming soon includes ability to drilldown into the portfolio and analyse the loans, make additional investments, look across the Pertuity community, and rate people waiting for finance. Another very nice presentation.
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• 10:24 PM mikelinskey - Second market is the financial marketplace for illiquid assets. They’ve been around since 2004, and have some pretty big numbers (including 3,000 members)! The platform allows the seller to choose how assets are sold, i.e. english auction, manhattan auction. There’s also a service provider eco-system. I’m sure this is very clever, but I’m a bit lost! it’s not a great demo. Looking for partners for business development…
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• 10:31 PM mikelinskey - Acculynk are up next; hope they’re a bit clearer than the last presenter! Here’s another debit card play. Acculynk demo is a bit cumbersome. very slow & painful. Still have no idea what this is all about. Aaaah, here it comes. Ajax window appears over the shopping cart and a pin pad appears. Entering a pin, and the pin pad re-scrambles after each digit is input. “That’s it”. Uh? I just don’t get this. What is the point? How is this any better than ‘Verified by VISA’?
• 10:39 PM mikelinskey - Come on, Aradiom. Show us something interesting! Aradiom are all about security. They’re demonstrating security tokens for mobile banking. Oops, invalid code; that’s the trouble with iPhone number input! This actually looks quite sophisticated. Allows for PIN, challenge codes, one-time passwords and other security functions, but on your mobile phone. It’s two factor identification on one device in a seamless process. Supports iPhone, Blackberry, Nokia and other Symbian devices. Server-side controls allow for sophisticated management. Neat, but seemed a bit awkward to use.
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• 10:46 PM mikelinskey - LowerMyAssessment helps homeowners to save money on property taxes; they are launching today. Starts with a Fair Value Calculator with a traffic light system showing whether a user should appeal or not. I think this has a Council Tax analogy for those of us in the UK! If it’s worth appealing, users register and then complete a form, customised for each state, and then check out, which costs around $125. Once they’ve paid, users get a report which includes a pre-populated appeal form which user just signs and sends into their State Property Tax office. It’s a simple, but effective app.
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• 10:52 PM mikelinskey - Mobank, a UK start-up, are on next. Already live in the UK, they are planning to launch in USA in next few months. Demoing Convenient Transactions technology, booking return flight to London via Mobank. Very sexy iPhone UI, but lighting is poor so can’t see it very well. Looks like Mobank makes the checkout process really simple by punching in a PIN, avoiding the need to add in all your details at transaction point. Mobank is wrapping around transactional sites (cinema bookings, travel bookings, buying books, etc.) and making the checkout process much easier. Nice idea.
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• 10:59 PM mikelinskey - Steve & Scott of ZimpleMoney are on next. This is a “simple platform for people to manage simple transactions”. Demo is a bit haphazzard. I’m a bit unsure what exactly this does. Aaah, so it’s a centralised repository for financial arrangements, complete with ledger. Also let’s you manage bill payments from within the platform. I’m a bit underwhelmed, and I don’t think many people in the auditorium actually get this!
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• 11:09 PM mikelinskey - Last of session 3: Jwaala, “better online banking”. It’s a 2nd gen online banking platform, similar to iThryv. It’s like an integrated PFM, but without the sexy UI. Jwaala share their source code with their customers (the banks), so they can control the online solution. Customer dashboard looks like iGoogle, and even allows widgets to be added to iGoogle! That’s very neat – it’s drag n drop from your online banking app into iGoogle. Jwaala is 100% focussed on financial institutions; no D2C offering.
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• 11:13 PM mikelinskey - Ooops, yet another presenter who had his mic cut off for going over 7 minutes! This seems to be a very popular feature of the conference judging from the supportive tweets I’m reading via Tweetdeck! Must say a big thankyou to ScribbleLive for the fantastic live blogging tool that I’m using; it works like a dream, integrating tweets, flickr photos and my live posts, and then sending everything into Fincision’s wordpress blog. Absolutely awesome, and so easy to use.
• 11:16 PM mikelinskey - The lineup for the 4th session has just been announced, and two of my three picks have made it. The full list in demo order is DebtGoal, Green Sherpa, Silver Tail Systems, SimpliFi, SmartHippo, HomeATM, Rudder, Prosper and Credit Karma. SimpliFi was my number one choice – they’ve got an online financial planning app I’m keen to see!
• 11:38 PM mikelinskey - HomeATM are on. This is all about real time money transfer. A small company with a big technology, they have a secured patent for their PIN-related technology. It involves swiping your debit card in a USB-connected hardware device on which you also enter your PIN. This looks very slick. They haven’t mentioned their business model. Interesting, though.
• 11:44 PM mikelinskey - I’ve been playing with Green Sherpa’s beta, so I’m happy to see them up next. It’s a short-term cashflow planning application which allows you to share views of the cashflow projection with authorised collaberators (wife, financial adviser etc.). Initial step is to add in your expenditure details (import QIF, add manually, or link to bank account). Next step is to generate the cashflow projection, and add in additional one-off transactions in the future. Finally, the sharing feature allows users to discuss the plan with trusted individuals that can be invited into the application; very neat. I really like Green Sherpa, but wish they’d make the UI a bit sexier. They’re looking for additional investment (angel funded so far).
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• 11:52 PM mikelinskey - Silver Tail founders fought online fraud with eBay and Paypal for years. Now they have their own product to help us fend off the bad guys with pro-active detection. Silver Tail monitors web-based behavious for specific threats. It identifies suspicious users, and displays their geo-location, by analysing entire website traffic. Demoing how to defeat ‘man-in-the-browser’ attacks. Impressive dashboard view, with traffic lights and alerting systems. This looks like a fantastic tool for fraud analysts, even allowing clickstream analysis & disruption in realtime.
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• 11:59 PM mikelinskey - SimpliFi’s co-founders are demoing next. Nice backhanded compliment to the PFM budgeting tools – you need to have a plan too! SimpliFi is personified by Sophie, a virtual financial adviser who appeals to the user base: 80% of users are women. . This is a very slick planning tool; love it! Asset allocation, goal-based planning, debt management, protection, and a very simple UI. The spending tool is particularly clever, a very clear income/ expenditure presentation. Even the reports are well thought out. Thisn is what BoulevardR should have been! Great stuff, SimpliFi!
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• 12:07 AM mikelinskey - George Favvas of SmartHippo thamks everyone for voting for him, and is donating $250 to charity as a result. SmartHippo is Yelp for financial products, starting in the mortgage vertical, and using the power of the community to make smart financial decisions. They have built the first completely open-source mortgage rate table, and allow consumers to comment on the various institutions and offers available; “keeping lenders honest”. Lenders with good rates and customer experience rise to the top, Digg-like! However, a lot of consumers still need help even after using the filtering & user reviews. So, Smarthippo is launching a Yahoo Answers-style feature which allows consumers to ask questions, and get replies from both their peers and also from the lenders. SmartHippo is completely free; they make money via advertising and referral fees.
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• 12:15 AM mikelinskey - DebtGoal helps consumers to create plans for getting out of debt. Average American has 15-30 debt accounts and spends 8-10 hours a month working out what to do; 45m households in the USA are in debt! DebtGoal’s Pay-Down plan motivates the user to pay off debt more effectively using the ’snowball’ method. They’re trying to shape user behaviour by showing how bad behaviour (not sticking to the plan) costs more money. Good behaviour is rewarded by the user being told how much they’ve reduced both the debt and also the amount of interest that they’ve been saved from paying. Additional services (accelerators) help users to negotiate rate reductions with their lenders, even providing specific scripts! In the process of adding automated bill paying finctionality.
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• 12:22 AM mikelinskey - Rudder wants to promote and protect your financial health. Rudder wants you to look forward as well as backward, allowing users to customise the user experience and make it “effortless”. Rudder has the usual bank aggregation features (Yodlee must be making a fortune out of the PFM market), but also asks for income in order to generate a cashflow. After set-up, Rudder presents a widgetised dashboard, updated every day as data is received from the linked accounts. Rudder is smart enough to reconcile bill payments based on the bank data. There’s a neat ‘Whats left’ widget, telling you how much needs to be held in your account to cover all the upcoming bills, and what’s available for discretionary spend. Rudder also has configurable trend analysis of expenditure, and a filterable, searchable, consolidated transaction register. Coming soon is the ability to add savings goals, and an iPhone app was released today!
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• 12:30 AM mikelinskey - Prosper is America’s largest P2P lender; they’re re-launching today (but only for Californians) following a little holiday courtesy of a requirement to register with the SEC! Whoops, technical issues. New features include a new rating system, and a new minimum credit rating score for borrowers (up to 620 from 540). The big news is that Prosper is opening up to mainstream lenders as well as honing its P2P model; “we think this is groundbreaking”. Now investors can purchase debt from financial institutions, and create a mixed securitisation portfolio, and also trade on a new secondary market! Prosper HAVE been busy whilst they’ve sorted out their SEC issues. Well done, guys!
• 12:36 AM mikelinskey - Last presentation: Credit Karma. This one’s all about credit scoring: free access to credit scores, tools to track and optimise, and opportunities to save money. Credit Karma is free, whereas competitors charge up to $15 a month for this information. I liked Credit Karma when I saw it in New York, and it still looks pretty impressive. I particularly like the what-if modelling capability, allowing you to see what happens to your credit score if you make certain transactions. New features launching soon including an overall debt summary (including debt tracking) and a personalised re-financing assistant. Credit Karma is available to be white labelled.
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• 12:40 AM mikelinskey - That’s it; all over except for the 2nd networking session, and the open bar! I’ll need that drink (or 10); it could be a long night! Well done Jim & Eric; another great show, and even more professional than the last. I’ll be back at Finovate for the September event in New York. There’ll be a round-up post on Fincision in the next couple of days, where I’ll also confirm who won ‘best of show’!

FinovateStartup has an innovative format that mixes fast-paced demos (no slides allowed!) from handpicked innovators followed by networking sessions featuring the largest group of financial technology startups ever assembled in one place.

Fifty-seven innovative young companies are participating in FinovateStartup09, and almost 300 executives, entrepreneurs and industry experts will be there to watch!

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• Finovate 2009 – live blog
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• Day of reckoning for PFMs?
• Fincision on the road