As shown throughout these November 2016 finance ideas, companies are making a continuous effort to make their services more convenient to consumers -- allowing them to not only keep an eye on their expenses, but to more easily make them so that they don't wind up with unpaid bills and an unfavorable credit score.
While the ways in which companies do this is diverse and sometimes even a little abstract, each deals with finance in a way that's astonishingly evolved from the bothersome ordeal that it was just a few short years ago. For example, the 'Cheddah App' saves consumers both time and money by helping them find coupons for some of their most frequently visited local businesses -- also assisting small companies gain more exposure while supplying them with data concerning shopper demographics and behaviors.
In addition to this, takeaways from this grouping of November 2016 finance ideas demonstrate that digitized retail options are being implemented throughout more industries, budgeting apps are being simplified by focusing on specific expenditures and payment kiosks are popping up in new places.
Top 30 Finance Ideas in November
From Tech-Branded Debit Cards to Simplified Expense-Tracking Apps:
Riley von Niessen — Nov 13, 2016 — Business
30
Millennial Money Apps
‘KOHO’ is a Money Management Startup That Targets Millennials
29
Client-Targeting Welcome Gifts
The Umpqua Bank Provides Its Customers with Welcome Kits
28
Convenience Store Loyalty Apps
This App Helps Convenience Stores Attract and Retain Customers
27
Smart Payment Kiosks
South Korea's Lotte Department Store Boasts an Intuitive Check-Out Experience
26
Fraud-Preventing Banking Apps
This App Helps Credit Union Customers Conduct Safe Transactions
25
Instant Payment Apps
Major Banking Institutions Hope to Rival Venmo with Zelle
24
Slim Integrated Wallets
This Smart Wallet Connects to Smartphones Via an App
23
Educational Money Apps
Standard Bank's New Venture is a Banking App For Kids
22
Social Sports Betting Apps
The EveryFan App Allows For Connective Sports Betting Activities
21
Mobile Money Transfer Apps
The Western Union App Offers Customizable Monetary Transfers
20
Referral-Generating Business Services
'ReferralRiver' Helps Generate Referrals Using AI
19
Gold-Trading Apps
The Goldmoney App Lets You Easily Buy Gold and Track Gold Prices
18
Localized Coupon Apps
The Cheddah App Lets You Save Money At Local Businesses
17
Consolidated Credit Card Apps
This App Lets You Securely Manage and Monitor Credit Card Activity
16
Tech Company Debit Cards
Uber's UberCard Encourages Mexicans to Use the Rideshare Service
15
Retail Payment Apps
The Kohl's Pay App Consolidates Payment Details, Rewards and Discounts
14
Social-Minded Investment Apps
'Grow' Automatically Makes Investments Based on Social Factors
13
Rewarding Livestreaming Apps
The Busker App Helps Multimedia Creators Maximize Their Earnings
12
Instantaneous Offer Apps
The 'Gane' App Offers Instant Access to Offers and Funds
11
Parking Payment Apps
The HonkMobile Helps You Save Time When You Pay For Parking
10
Consolidated Telecom Apps
The MyAirtel App Offers All-Inclusive Service to Indian Telecom Users
9
Fraud-Preventing Wallets
This RFID-Blocking Wallet Offers Style and Security
8
Efficient Refund Systems
Returnly Sends Instant Refunds and Increases the Chances of Repurchasing
7
Monetary Organization Apps
The 'DashFlow' Money Tracker App Tracks Financial Goals and More
6
Expenditure-Tracking Apps
This App Offers Financial Tracking Services to Individuals & Businesses
5
City Budgeting Sites
'The Earth Awaits' Calculates Budgets for Hundreds of Cities Worldwide
4
Guarantor Service Startups
This Company Helps Renters Qualify to Rent and Lease Apartments
3
Efficient Market Investment Platforms
Boon Investments Streamlines the Process of U.S. Investments
2
Voice-Controlled Payments
ABN Amro's 'Tikkie' App Permits Payments Through Apple’s Siri
1
Sales Lead-Saving Services
'Unbandon' Can Help Save Sales Leads from Disappearing
Related Ideas
Gamified Budgeting Apps
Bread Budgeting Turns Monthly Budgeting Into A Gamified Challenge
Smart Car Planning
Budget For Cars Helps You Find Vehicles That Fit Your Financial Plan
Personal Finance Trackers
Money Manager Helps Track Expenses, Budgets, And Financial Goals
Elevated Delivery Merchant Features
These New DoorDash Real-Time Features Empower Merchants
Bank Account-Linked AI Features
The ChatGPT Personal Finance Feature Analyzes Spending and More
All-in-One Calculator Tools
PocketCalc Simplifies Everyday Math, Finance and Business Calculations
AI-First POS Handhelds
Global Payments' AI-First Genius Was Made for the Future of Commerce
Accessibility-Focused Financial Application Prototypes
CI&T Partners with Project Nemo
Integrated Travel Wallets
Samsung Wallet Organizes Bookings, Tickets and Itineraries in One Place
Group Expense Splitter Apps
DiviMate Simplifies Shared Expenses And Balance Tracking
Reduced App-Store Service Fees
Google Cuts Commission and Unveils a Registered Play Store Program
Reward-Tracking Mobile Apps
AwardWallet Helps Keep Track of Loyalty Reward Tiers
Personal Finance Apps
Track Budget Helps You Manage Spending, Budgets, And Shared Expenses Easily
Budget Tracking Apps
Paisa Expense & Budget Tracker Helps Manage Spending And Savings Privately
Freelancer-Friendly Corporate Cards
Juuli Debuts a Visa Corporate Card for Freelancers
Patron-Led Payment Systems
Union Aims to Revolutionize POS Processes with Heightened Convenience
AI-Powered Grocery Apps
Tre'dish's Transparent Pricing Offers Real-Time, Geo-Targeted Comparisons
Experience-Enhancing POS Retail Apps
MomentScience Reveals MomentApps
Modernized Digital Checkout Platforms
accesso Technology Group Launches accessoPay 3.0
Commerce-Enhanced Payment Cards
Venmo Debit Mastercard Offers 15% Cash Back at Popular Retailers
Habit Tracking Tools
Habit Card Helps Track Small Daily Habits with Intuitive Insights
Post-Purchase Payment Features
Swipe to Finance is an Option for Paying Over Time After Checkout
Fintech Mobile Plans
Cash App Launches an Unlimited 5G Phone Service
Personalized Financial Assistants
Credit Karma Introduced its AI-Powered Financial Assistants
Kids Allowance Apps
Bomad Turns Allowance Tracking Into A Simple Virtual Piggy Bank For Kids
Sports-Centric Loyalty Programs
The Updated ‘myAcademy Rewards’ Program Offers Credit Card Linkage
Super App Travel Features
Uber Added Hotel Bookings & Travel Tools at Its Go-Get Product Event
Personal Finance Tools
Budj Simplifies Money Management For Busy Individuals
Location-Aware Security Features
Revolut Street Mode Combats Phone-Snatching & Transfer Mugging
Embedded Lending Platforms
Adyen Launched SMB Financing Through Platforms
Youth-Focused Financial Education Platforms
Spendsafe is Targeting Youth Aged Six to Eighteen
Incentive-Based Athletic Challenges
Gains App Blends Sport, Social & Monetary Incentives
Food-as-Medicine Platform Expansions
Fresh Connect Now Offers Four Benefit Cards and an App
Digital Asset Management Apps
Leather Brings Bitcoin Asset Management To iOS And Android
Tech-Friendly Beach Chairs
PayPal's Tech-Chairs Upgrade the Classic Deckchair with Smart Features
Frictionless Checkout Features
Google Launches Its Google Pay Direct Checkout Experience
Simplified Digital Financing Apps
Spush Wallet's Interface is User-Friendly and Efficient
Personal Finance Hubs
Mojek Money Brings Banking, Payments, and Financial Tracking into One App
All-In-One Journal Apps
Journal It App Organizes Notes, Habits, and Goals into a Single Timeline
AI Startup Finance Platforms
Xendoo and Techstars Expanded Automated Founder Accounting
Commitment-Based Subscriptions
Apple Introduces Monthly Plans with 12-Month Commitment Options
AI-Powered Budgeting Tools
Moneta Lend Offers AI-Powered Budgeting With Fun, Personalized Insights
Tax-Focused Marketing Campaigns
Intuit Debuts the Second Iteration of 'Now This is Taxes'
In-Store Installment Payment Features
Samsung Wallet and Splitit Boast a Convenient Feature
Wellness Tracking Apps
Track Well Turns Personal Wellness Data Into Actionable Insights
Loyalty Card Wallet Apps
FidMe Stores Loyalty Cards in One Easy-to-Access Place
In-App Payment Partnerships
Appcharge is Working with AppsFlyer to Enhance Web Store Solutions
Conversational AI Banking Apps
This App Uses Chat-Based Interfaces To Manage Finances & Accounting
Personal Finance Tools
Budget Planner Helps You Track Daily Income And Expenses Simply
Digital Credit Union Branches
Orlando Credit Union Unveiled Its Enhanced Digital Branch Initiative
Automated Accounting Tools
Digits Provides AI Accounting And Financial Insights For Startups
Chat-Based Payment Features
WhatsApp Enables Mobile Recharges Directly Within Messaging Chats
Corporate Spend Management Tools
DoorDash for Business is a New Platform Streamlining Operations
Integrated POS Ecosystems
Rogers Launches a Platform Combining Payments, Rewards, and More
Wealth Management Platforms
Prosperity AI Combines Financial Accounts to a Intelligent Dashboard
Accessible Credit Card Guidelines
UK Finance Has Launched a New Accessible Cards Code of Practice
Structured Thought Management
Notece Journal Helps You Clarify Thoughts Through Smart Card Systems
Kids Finance Apps
FoxFund Teaches Children Saving, Budgeting, And Smart Spending Skills
Multi-Brand Digital Gift Cards
On Me Uplevels Tired, Outdated Gift Card Experiences
Personal Finance Apps
MoneyTool Tracks Spending, Budgets, Income, And Investments Offline
Incentivized Budgeting Apps
'Tale' Builds Better Financial Habits and Earn Rewards for Budgeting
Goal Visualization Tools
Track and Reach Financial Goals Easily With the MoneyVision App
Expense Automation API Tools
Expenses Day Uses AI To Instantly Digitalize All Your Expenses
Social Finance Ecosystems
Venmo blends payments, rewards, and social discovery features
Convenient Expense Management Softwares
SutiExpense Conducts Updates to Streamline Its Software
Stock Analysis Platforms
Pocket Finance Hub Provides Insights On Stocks And Market Trends
Budget Tracking Tools
Finance:Budget Expense Tracker Simplifies Spending And Budgeting
Low-Cost Shirt Pop-Ups
Monzo's 1p Shop Lets Football Fans Pick Up an Official Kit for a Low Price
AI Expense Managers
Spend Wisely Tracks And Manages Expenses Using AI And Voice Commands
Exciting Fee Return Promotions
Grubhub Has Launched the Fee Return Promotion
Daily Life Simplifiers
DailyDude App Simplifies Day-to-Day Tasks with Essential Tools
Personal Finance Trackers
Finance Management Tool Helps Track Expenses And Budgets Efficiently
BFF-Themed Financial App Campaigns
Experian Embraces the Concept of 'Big Financial Friend'
AI-Powered Holiday Spending Tools
TomoCredit Uses AI to Help with Managing Holiday Spending
Personalization-Focused Gift Services
Edible Arrangements Boasts a New App and Edible Rewards
AI Expense Trackers
Finance Bro Tracks Spending Through Voice Notes Receipts And AI Money Chats
Financial Management Tools
Khata Easy Puts Financial Records Under The User’s Control
Subscription Tracking Tools
Bills Helps You Track Subscriptions And Stay On Top Of Your Budget
AI-Powered Superapps
Grab Introduces AI Features That Simplify Decisions and Automate Daily Tasks
Search-First Wallet Experiences
TNG Digital Unveiled Its TNG eWallet Homepage Redesign
Personal Finance Apps
Budget Peaks Gamifies Budgeting To Help You Save And Track Money
Personal Expense Trackers
Cash Compass Expense Tracker Helps Users Monitor Income And Spending
Subscription Management Apps
Reko Helps Users Track and Control All Subscriptions in One Place
Democratized Financial Technologies
DigitalFI & Commercial Business Systems Form Partnership
Personal Finance Visualizers
Budget Visual Helps Users Track and Analyze Finances Easily
Travel Credit Card Trackers
Thrifty Traveler Debuts the Free Online Credit Card Benefit Tracker
Accessibile Banking Initiatives
Cadence Bank Provides Support to Neurodivergent Communities
AI Expense Trackers
How I Spend My Money Helps Users Track And Analyze Expenses Easily
Connected Integrated Payment Terminals
Virtuagym Expands the Virtuagym Pay Solution
Group Expense Trackers
Jellybean Simplifies Bill Splitting And Expense Tracking With Friends
Subscription Tracking Platforms
Subscription Day² Tracks Renewals, Spending, and Insights
Mobile Revenue Management Apps
Ambition Launches a Mobile App For Real-Time Sales Coaching
Smart Spending Tools
Affordability Calculator Helps You Evaluate True Cost Of Purchases
AI Budgeting Tools
Trillion Uses AI to Simplify Budgeting, Track Expenses, and Plan Finances
Checkout-Based Micro-Donations
Adyen and adidas expand donation features at checkout
Personal Finance Tools
Coinly Helps Users Track Savings Goals And Financial Growth Effectively
App Ideation Platforms
AppIdeaHub Helps You Discover and Validate Profitable App Ideas
Family Finance Trackers
Manage Household Finances Easily with Famony Expense Tracker
Startup Banking Apps
Mercury Simplifies Financial Operations For Startups With Modern Banking
Creative Idea Tools
InspireNote Helps Generate, Capture, And Develop Ideas Effectively
Financial Transaction Analytics
Trove Provides Real-Time AI Merchant Intelligence For Fintech
Subscription Manager Tools
Subbbed Helps Track Subscriptions With Alerts and Spending Analytics
Offline Travel Budget Apps
NomadCash Tracks Travel Spending Offline For Any Trip
Personal Finance Trackers
Fuku Helps Track Spending and Stay in Control of Your Finances
Grocery Spending Trackers
FoodKart Helps You Effortlessly Track Grocery Costs and Stay on Budget
Fintech Savings Centers
Spiral Has Introduced Its Savings Center Platform as a Viable Solution
Subscription Management Tools
Subscription Manager Helps You Track and Organize All Subscriptions
Monthly Budget Trackers
Simple Monthly Budget Planner Organises Spending Into Expense Categories
Personal Finance Trackers
ExpenseTracker Helps Users Record Expenses Quickly And Easily
Idea Management Tools
IdeaVault Helps Capture Ideas And Track Goals In One Place
Automated Expense Management
ExpenseAI Simplifies Tracking, Reporting, And Budgeting With AI Tools
Household Budgeting Platforms
Know Your Dosh Centralizes Household Finances Across Accounts
Data Savings Account Concepts
Dataprev's Partnership with Drumwave is Ambitious & Innovative
Shared Expense Managers
PayMates Simplifies Splitting Bills Among Friends and Roommates
Feature-Rich Receipt Management Apps
The 'Klipit' App Works for Individuals or Businesses
Self-Custodial Banking Apps
The 'Coca 3.0' App Separates Financial Tools From Fund Ownership
Dining Organizer Apps
Yumbox Helps You Track And Filter Your Favorite Restaurants
Automated Savings Tools
Cashback Easy Finds Coupons And Cashback Automatically While Shopping
Group Challenge Apps
Challenge Friends Lets Users Complete 30-Day Self-Improvement Challenges
Savings Goal Tracking
Home Fund Helps Users Monitor Savings Progress with a Simple Visual Tracker
Expense Tracking Tools
Expense Easy Turns Receipts to Organized Expense Records Instantly With AI
Personal Finance Budgeting
Wise Budget Helps Track Spending And Manage Monthly Budgets
Simplified Expense Sharing
EasySplit Simplifies Shared Expenses for Groups and Friends
AI Invoicing Tools
InvoEase App Makes Invoicing And Quotes Simple For Small Businesses
Intelligent Pricing Insights
Payday Analyzes Quotations To Optimize Pricing And Suggest Upsells
Financial Tracking Dashboards
Track Wealth and Liabilities with EzFinTrack’s All-In-One Dashboard
Billing Automation Tools
InvoicelyApp Lets Customers Self-Generate Stripe Invoices Easily
Digital Networking Tools
DigiBusinessCard Creates Shareable Wallet Cards With No Sign-Up Needed
Offer Aggregation Platforms
Kampania Centralizes Credit Card And Bank Offers In One Place
Personal Lending Trackers
Keepfully 2.0 helps users manage borrowed and lent items
AI Receipt Scanners
ReceiptBox Uses AI To Scan, Categorize, And Report Expenses
Finance Management Tools
Tidve App Brings All Subscriptions Into One Clear, Unified Dashboard
All-In-One Travel Companions
Saathi App Streamlines Planning, Expenses, And Shared Travel Plans
Idea Management Systems
IdeaHole Helps Capture, Organize, And Evaluate Ideas Over Time
Mindful Finance Trackers
Paktol App Helps You Track Spending With A Growth-Focused Approach
Daily UPI Credit Cards
Flex by Google Pay is a UPI-Linked Credit Card in India with Axis Bank
Expense Management Apps
The Bill Uses AI To Streamline Group Expense Tracking And Settlements
Digital Expense Trackers
ReceiptSnap Organizes and Tracks Receipts for Easy Expense Reporting
Fair Expense Sharing
Heypenny Simplifies Group Bill Splitting With Fair And Easy Tracking
Text-Based Bookkeeping Apps
Nobooks Simplifies Bookkeeping for Solopreneurs via Text