These finance-based innovations will have you thinking about all of the ways that money flows through the global economy. These innovations range in scope, from an impressive sophisticated ATM machine that does not require a bank card, to futuristic banks.
Within these finance-based innovations are many tech developments, like iPad-powered ATMs, and innovations within the field of micro-finance. Finding clever strategies to lend money is definitely necessary considering the current Occupy Wall Street protests, and the calls to bailout students from debt.
Implications - Consumers have become apprehensive about their long term financial well-being as a direct result of the economic downturn. These consumers are looking for products and services that can mollify these feelings. Companies should take this mindset into account and when creating new services.
30 Finance-Based Innovations
From Handy Banking Apps to Global Micro-Finance Networks:
Christopher DeLuca — Nov 6, 2011 — Lifestyle
30
Finance Recruiting Gets Naughty
Career at Optiver Keeps You 'Aroused'?
29
Microfinance Investing
Kiva.org Lets You Become a Banker to the Poor
28
Million Dollar Business Minds
Young Entrepreneur Gets Lucky With His Brainstorming
27
Biggest Property Development ever in the US
CityCenter on the Las Vegas Strip
26
Classy Financial Institutions
The Raiffeisen Bank in Zurich Looks like a Fancy Hotel
25
Futuristic Banks
Citibank New York Branch is Digitally in Tune With Customers
24
iPad-Powered ATMs
The BBVA Bank in Spain Integrates iPad Technology
23
Kiddie Finance Tools
Money Savvy Pig Has Four Tummies to Teach Money Management
22
Federal Help Sites for Homeowners
MakingHomeAffordable.gov Aids Fannie Mae & Freddie Mac Mortgages
21
Iris-Verified Online Security
Hoyos Group EyeLock Will See that You Never Get Hacked Again
20
Microlending Credit Cards
KivaB4B Doubles Grants
19
Handy Banking Apps
The BankSimple App is an Attractive Checking Alternative
18
Bikini Finance
Trident Pogo Stick Girls Are Selling Insurance
17
Crowdsourced Credit Crunch Advice
Google Tip Jar Lets You Submit and Rank Money Saving Ideas
16
Bejeweled Credit Cards
Kazakh Diamond Mastercard
15
Giving 2.0
Kiva Loans Lend Directly to a Developing World Entrepreneur
14
Collateral-Free Microcredit
Muhammad Yunus's Grameen Bank Has Revolutionized Finance
13
Micro-Financed Eateries
The Elevens Restaurant Plans to Crowd-Source Investors
12
Youth-Oriented Finances
MyBnk Teaches Money Management and Entrepreneurial Skills
11
Debt-Saving Plastic
The Live Checking Card Places Crucial Banking Info at Our Fingertips
10
Flourishing In Crisis
Green Banks Thrive as Wall Street Collapses
9
Global Microfinance Networks
FINCA Provides Financial Services to Low-Income Entrepreneurs
8
Cardless ATM Withdrawals
South Africa's FSB Lets Customers Withdraw Cash Using Their Phones
7
Meta Investing Websites
StreetRead
6
Alternative Loan Products
Fair Finance Offers Affordable Banking to Urban Populations
5
Social Investment Bank
First Charity Oriented Bank
4
American-Based Microlending
ACCION Chicago Provides Financial Access to Small Business Owners
3
Ethical Investments
Bridges Ventures is a Venture Capital Company with a Social Aim
2
Free Fee Banking
Electric Orange Checking Account Pays You to Sign Up
1
Social Advisory Firms
Intellecap is a ‘Think and Do' Tank With Market-Based Strategies
Related Ideas
Credit-Consolidating Finance Apps
The 'StellarFi' App Pays Your Bills & Boosts Your Credit
Disruptive AI-Finance Chatbots
Origin Financial Wins Big with AI Chatbot for Everyday Finance
Kinetic-Friendly Power Banks
The Conceptual 'Last Resort' Power Bank Hides a Crank Inside
Illuminated Mirror Power Banks
The Conceptual 'Mica' Power Bank Has a Multifunctional Design
Bacteria-Created Material Innovations
Studio Lionne van Deursen Debuts the Unfold Designs
Multifunctional Foldable Mobile Devices
The Conceptual 'Move' Mobile Device Replaces Five Devices
Three-Sided Coins
Vdk Created a 3D Coin to Spark Conversations About Money, People and the Planet
Emerging Technology Publications
New Society Has Launched Its Inaugural Book About Technology
AI-Backed Private Payment Solutions
TODAQ's 'TAPP' Micropayments Improves Healthcare Privacy
Immersive Banking Experiences
The CIBC Experience Centre Helps You Visualize Your Financial Future
AI-Fueled Finance Apps
The 'Finn' App Can Provide Accurate Responses to Complex Queries
Digital-Oriented Restaurant Redesigns
Wendy's Rolls Out New Design Concept, 'Global Next Gen'
Brainstorming Business Idea Tools
IdeaMate is the Solution to Fighting Stale Business Ideas
AI-Powered Digital Banks
Revolut Introduces its Reliable AI-Powered Finance Product, Billpay
Circular Design Challenges
The 'Make It Circular Challenge' Tackles Climate Change
Recipe-Suggesting Web Browsers
The Inflation Cookbook has a Tool to Monitor Ingredient Prices
Virtual Banking Environments
The Uni-Verse is a Banking Metaverse for Union Bank of India Clients
Flexible Mobile Bank Payments
Wallet Express Was Created by Samsung and Mastercard
AI-Powered Budgeting Apps
Cleo Helps Gen Z Get Their Finances in Order with Roast & Hype Modes
Africa-Focused Digital Wallets
Abba Payments Debuts a Digital Wallet Service for African Consumers
Kids' Money Management Books
'The Adventures of Ca$hman & Supersaver' Promotes Financial Awareness
Financial Coloring Books
Chime Boasts Activities for Financial Progress Month
Financial Literacy Board Games
Chime Launches a Gamified Financial Literacy Initiative
Digital Currency Piggy Banks
This 'Smart Piggy' Bank Concept Upgrades a Classic
Advanced Adaptive Retail Experiences
Walmart Unveiled New Retail Technologies at CES 2024
Efficient Business Payments
Xero Debuted Two New Integrations for Business Payments
AI-Powered Marketing Tools
This E-Commerce Tool Uses Customer Data to Project Reward Impacts
AI-Powered Fintech Tools
Square Introduces Ten New Generative AI Features for Content Creation
German Payment Expansions
Brite Introduces Instant Payments for German Consumers
AI-Powered Finance Trackers
TotallyMoney and Bud Financial Launch an AI-Powered Payments Tracker
Financial Support Apps
'Cleo' is Helping Gen Z Feel More Confident About Money
Investment Intelligence Platforms
TIFIN Shares Data Analysis for Better Investing Decisions
Future-Facing Charging Concepts
These Wireless Charger Concepts Imagine a True Wire-Free Future
Gen Z-Specific Numberless Cards
Fibe and Axis Bank Team Up to Launch a Numberless Credit Card
Personalized AI Finance Tools
'Tendi AI' is a Personalized Tool Developed by Finance Experts
Transformed Historic Bank Buildings
Ivy Studio Overhauls the Interior of a Historic Building
Paper-Free Retail Receipts
The Diebold Nixdorf Vynamic Digital Receipt is Sustainable
Rejuvenated Former Bank Buildings
This Dutch Building Now Boasts Solar Panels & Insect Hotels
Simple B2B Payment Apps
Hopscotch Enables "Instant, Fee-free Payments for Small Businesses"
AI-Driven Decisioning Investments
Monnai Raised $6.5 Million to Bolster its AI Capabilities
Anti-Overspending POS Systems
The 'Impress' Wealth Management POS Concept is Advanced
Digital Wallet Loyalty Solutions
Loopy Loyalty Adds Loyalty Cards in Apple and Google Wallet
Aggregated On-Demand Service Apps
The 'finish'd' App Combines a Range of Services into One Spot
Blockchain-Based Supply Solutions
Hyundai Partners with IBM on New Supply Chain Financial System
Multifunctional Charging Cable Banks
Matt Chang Designs the New Portable IVYCable Gen2
Stress Reduction Finance Apps
The 'MoneyCoach' App Takes the Anxiety Out of Money Management
Foodtech Support Initiatives
Rabobank is Accepting Applications for its 'FoodBytes!' Program
Hourly Job-Finding Apps
Gigs is a Job Platform for the Gig Economy
Wishing Well-Inspired Coin Banks
The 'Plop' Coin Bank Concept by Jaejong Ro is Experiential
Gen Z Budgeting Platforms
Buddy and Klarna Teamed Up to Support Gen Z Financial Health
Digital Banking Metaverses
HSBC Confirms Plans to Debut a Virtual Banking Service in the Metaverse
Rewarding Money Apps
Shakepay Has an Innovative Reward System for Digital Currencies
Return-to-Office Protests
European Central Bank Employees are Protesting Mandatory In-Office Work
Social Messaging Money Transfers
Viber Enters the World of Fintech with 'Payments on Viber'
AI Financial Wellness Apps
'AI FinCheck' from Yodlee Guides Users Toward Financial Goals
Communication App Shopping Experiences
WhatsApp Flows Allow for In-App Booking and Shopping
Effective Retirement Calculators
Finabled Retirement Calculator Helps People Manage Their Finances
Comforting Financial Pop-Ups
Experian's Credit Paws Café is a Place to Chat About Money Worries
AI Green Financing Platforms
Singapore's AI Initiative for Sustainable Finance in Real Estate
Flying Umbrella Prototypes
This Hands-Free Device Hovers Above You to Protect From the Rain
Financial Firm Travel Apps
Citi Partners with Booking.com and Rocket Travel to Launch Citi Travel
Eco-Friendly Transit Apps
Moovit Partnered with Lime to Deliver Electric Micro-Mobility Options
Bank-Enabled Payment Rings
Intesa Sanpaolo is Introducing a New Contactless Payment Ring
Virtual Avatar Workers
The Bite Ninja Platform Allows Retailers to Outsource Cashier Work Online
In-Office Worker Protests
Goldman Sachs Employees Protest Full Return to Office Mandates
Affordable Payment Acceptance Devices
Pine Labs Launches the 'Mini' QR Device with Card Acceptance
AI-Driven Financial Education Games
Money Smarts Unveils AI Financial Game on Indiegogo
Locally Focused Visionary Tableware
IKEA's Design Lab Presents the New Products of Place Campaign
Account-Managing Finance Features
Entrust Launches a New Digital Account Opening Solution
Freelance Payment Platforms
Revolt Launches New Finance App Dedicated to Self-Employed Workers
Kid-Focused Finance Apps
ABN Amro Launches a Financial Literacy App for Children
AI-Powered Retail Payments
Focalpay's New AI Features Streamline Retail and E-Commerce Operations
Responsible Lending Platforms
Enova is a Financial Tech Platform Making Credit More Accessible
Personal Shopping Assistants
Klarna Debuts a More Personalized Shopping Feature Dubbed Ask Klarna
Enhanced Australian Lendtech Firms
Grapple Invested into its Financier Platforms with AI Tools
Employee-Focused Finance Programs
Claro Money Launches a Financial Wellbeing Package for Employees
Compact Payment Devices
Dojo Releases a Pocket-Sized Card Machine for Convenient Table Payments
Visual Payment Apps
Vizme Turns the Experience of Sending or Spending Money Into Stories
Comprehensive Finance Management Apps
Coop Launches a New Super App with Embedded Finance
Immigrant-Supporting AI Finance Apps
Lola4i is Leap Financial's AI Tool for Immigrant Support
Gamified Budgeting Apps
Bread Budgeting Makes Budgeting Fun By Integrating Challenges
Teen-Targeted Investment Apps
The 'Bloom' App Helps Users to Build Longterm Wealth
Financial Conversation Hearts
CIBC's Valentine's Day Campaign Addressed a Relationship Stressor
eCommerce Credit Cards
Shopify Credit is a Business Card Exclusively for Merchants
Global Money-Transferring Apps
HSBC Unveils its Inclusive 'Zing' App and Debit Card in the UK
E-Commerce Billing Features
Shopify Unveils the 'Shopify Bill Pay' Solution for Merchant Expenses
Accessible Payment Cards
Mastercard's Touch Cards Have Notches to Aid the Visually Impaired
AI-Powered Freelance Services
Fiverr Helps People Co-Create with Artificial Intelligence
Gen Z-Targeted Credit-Building Tools
Austin Capital Bank Launches the Freekck Credit Builder
AI Business Consultants
15-Minute Business Plans Helps Entrepreneurs and Business Owners
Unified Payments Platforms
Payload and J.P Morgan Partner to Launch an All-in-One Payment Solution
BNPL Bank Programs
Marqeta and Credi2 Collaborate to Enhance the Banks' Payment Capabilities
Expanded Cross-Border Payments
Visa Announces the Expansion of its Visa+ Program for US Customers
Delightful Recurring Payment Apps
The 'm0nthly' App Offers Mindful Money Management
Contactless Mobile Payments
Intesa Sanpaolo Teams Up with Nexi to Launch the SoftPOS Application
Teen-Targeted Banking Features
Verizon Launches 'Family Money' For Gen Z and Gen Alpha Bankers
Financial Literacy Platforms
Secret U Supports Gen Z Women with Free Tools for Financial Success
Intelligent Loan Platforms
Levr.ai Helps Small Businesses Access Better Funding Options
Multigenerational Workforce Apps
Microland Launches a Global Mobile App for Its Digital Workforce
Contactless Merchant Payments
Paypal and Venmo Now Support Apple’s Tap to Pay Contactless Payments
Australian Fintech Lending Tools
BeforePay Group Launched 'Carrington Labs' for B2B Lending
Affordable BNPL Programs
Apple Introduces the Apple Pay Later Program to US Market
African Digital Wallet Platforms
Union54 Launches a New Social Commerce Platform Called ChitChat
Retirement Finance Apps
Udeshi Financial Unveils P.R.I.D.E. Framework for Those in Retirement
Multi-Asset Fund Investments
Monzo Unveils a New Investment Feature for UK Customers
Global Money-Managing Apps
Zing Empowers Users to Send Money Internationally, Worry-Free
Revamped Modern Phone Booths
100architects Brings Digital Touches to the Classic Phone Booth
Money Management Subscriptions
Revolut is Set to Launch a New 'Ultra' Subscription Tier
Democratized Financial Service Tools
Plaid Aims to Make Financial Services More Accessible
Integrated Business Banking Tools
PennyFlo Streamlines Financial Management for Businesses
Teen-Focused Prepaid Cards
Teen and Tween Prepaid Card App Savii Launches in the UAE
App-Based Employee Payments
Instant Financial Automates Access to Employee Wages with New App
Efficient Micro Habit Apps
Micro Habits Breaks Goals into Smaller Steps
Multi-Currency Payment Tools
FinXP Recruits Mastercard to Debut Cross-Border Payment Solutions
Modern Business Card Scanners
Spreadly Scan Brings Networking to the Modern Age
Complementary Financial Literacy Courses
Walmart & Khan Academy Offer Free, World-Class Education
Account Aggregation Micro-Apps
PhonePe Launches the New Account Aggregator Service for Clients
Global P2P Transfer Services
Eco Inc Unveils Beam, a P2P Crypto Transfer Service
AI Investment Assistants
FinPal Helps people Make the Right Financial Decisions Through AI
Workplace Financial Wellness Tools
BrightPlan Launches Workplace Financial Wellness Tool
Kid-Friendly Financial Support Apps
Goaly Offers Financial Lessons for Kids and Their Parents
Personalized Payment Requests
FreedomPay and Prommt Unite to Deliver Secure Personalized Payments
Community Borrowing Apps
Borrow Encourages Neighbours to Interact and Share
Comprehensive UAE Banking Apps
Ajman Bank Launches a "Super-App" with Codebase Technologies
Empowering Financial Management Apps
Windfall Makes Money Tracking and Management Easy
Friendship-Focused Finance Agreements
'Friends Over Money' Let's You Make Agreements with Friends
Business E-Money Services
Greengage Debuts a E-Money Service for Businesses to Handle Money Easily
In-App Subscription-Canceling Features
Mastercard and Subaio Streamline Subscription-Canceling
High-Interest Tech Savings Accounts
The Apple Card Savings Account Offers Instant Access to Yields
Productivity-Enhancing Apps
FlowFinitee Provides Valuable Insights to Increase Your Productivity
Morocco-Based Card Programs
Citibank Partners with Mastercard to Launch a Commercial Card Program
UK Contactless Pay Expansions
Apple Tap to Pay Lets iPhone Users Pay Seamlessly in the UK
Income-Estimating Finance Tools
Rapidio Introduces a New Income Assessment Tool for Underwriters
Digital Cash Payment Systems
Apple Cash is Planning to Offer a Virtual Card Number in Update
Digital Commercial Payment Apps
Mastercard Unveils the Mobile Virtual Card App for Businesses
Low Income-Targeted Payroll Platforms
B9 Secures $2.6 Million to Further Develop Its Platform
Delivery Service Credit Lines
India’s Food Delivery Brand Swiggy is Launching a Credit Card
Streamlined Financial Management Platforms
Ayden Simplifies Payments, Data, and Fraud Detection
Comprehensive Checkout Tools
TreviPay Launches an All-in-One Checkout Solution to Reduce Friction
Comprehensive Indian Payment Tools
BharatPe Unveils the Country's First All-in-One Payment Device