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
Multifunctional Power Bank Concepts
Abeer Mahadane Designs the Audio1 Concept Inspired by Braun
Disruptive AI-Finance Chatbots
Origin Financial Wins Big with AI Chatbot for Everyday Finance
Heartwarming Bank Campaigns
Chase's Next Thing You Know Campaign Captures a Full Life
Digital Debit Card Campaigns
Interac Introduces 'The Lost Wallet Board' Installation in Toronto
Cost-Conscious Cashierless Microstores
Fainders.AI Launched a Prefab MicroStore Within a Gym
Humorous Payment Campaigns
Paypal's Latest Campaign Features Actor Will Ferrell
Analog Creativity-Inspired Installations
Moleskine Presents 'Unleash Your Genius' at BASE Milano
Futuristic Imaginative Design Concepts
Toyota Introduces the Unique E-Collection of Products
Sausage Snack ATMs
Greggs and Monzo Created a Sausage Roll-Dispensing Machine
Tech-Driven Sexual Wellness
Experience the Future of Intimacy
Personalized AI Finance Tools
'Tendi AI' is a Personalized Tool Developed by Finance Experts
AI-Backed Private Payment Solutions
TODAQ's 'TAPP' Micropayments Improves Healthcare Privacy
Brainstorming Business Idea Tools
IdeaMate is the Solution to Fighting Stale Business Ideas
Kid-Friendly Digital Wallets
Google Wallet for Kids Offers Parents a Digital Way to Give Money
AI-Powered Innovation Platforms
Mintel Spark Helps Brands with Concept Generation
Finance eSports Partnerships
GIANTX Partnered with HSBC to Educate Youth on Finances
Rental Payment-Tracking Services
KoHo Financial Unveils a New Rent Reporting Feature for Canadians
Blockchain-Integrated Online Banking
Kauri Finance 3.0 Represents an Evolution in Online Banking
Financial Health-Focused Apps
Kedrec Recently Debuted the Cash Flow and Capital App
AI-Powered Budgeting Apps
Cleo Helps Gen Z Get Their Finances in Order with Roast & Hype Modes
Mindful Eco-Friendly Banks
Climate First Bank is Ready to Expand Nationwide
AI-Powered Accounting Platforms
40Seas Introduces the Streamlined Global Accounts Receivable Tool
Financial Coloring Books
Chime Boasts Activities for Financial Progress Month
GenAI Financial Assistants
Intuit Assist for QuickBooks Streamlines Small Business Operations
Inventive Retail Strategies
H&M is Working to Localize Its Shopping Experience
Global Payment Solutions
A-Pay Starts Processing Payments in One Day With Global Reach
Humorous Payment Platform Campaigns
The Great PayPal Checkout Spotlights the Pay Later Services
Financial Challenges Mobile Apps
The Achieve GOOD™ App Aims to Assist Consumers with Debt
AI Finance News Platforms
Financial Flow Delivers AI Finance News, Analysis, and Price Tracking
Irish Tillage Advancements
Irish Distillers and Bank Of Ireland Launch a Sustainable Loan Program
Simplicity-Focused Mobile Banking Apps
Bank Rakyat Indonesia Debuts the #BRImoWorldXperience
Digital Wallet Loyalty Solutions
Loopy Loyalty Adds Loyalty Cards in Apple and Google Wallet
Multi-Use Non-Payment Wallets
Google Wallet India Unveils an Expansion for Non-Payment Services
German Payment Expansions
Brite Introduces Instant Payments for German Consumers
Marketing Idea Generators
Thunderbucket Provides Marketing Ideas and Observations at Speed
Luxury Financial Centers
JPMorgan will Transform First Republic Branches into Financial Centers
Future-Facing Charging Concepts
These Wireless Charger Concepts Imagine a True Wire-Free Future
Auto-Savings Digital Bank Features
Superbank Introduces a New Auto-Savings Feature
Financial Accessibility-Enhancing Cards
iCapital Ventures Launches the Liorcard Titanium
Gamified Crowdfunding Platforms
Tiltify Personal Helps Raise Money with Interactive Tools
Teen Finance Education
SimplyBudget Helps Teens Manage Money With AI and Parental Oversight
AI Personal Finance Tools
WeFIRE Uses AI To Provide Tailored Guidance Through Complex Finances
Tech-Powered Business Solutions
Apple Business Connect Leverages the Brand's User Base
Personalized Digital Payment Platforms
Mastercard One Credential Offers More Flexibility for Gen Z
Voice-Powered Payment Technology
iWallet Debuts the Voice AI to Payments Feature
Effective Retirement Calculators
Finabled Retirement Calculator Helps People Manage Their Finances
IPP-Focused Finance Updates
Adyen is Improving the IPP Sector with New Product Expansions
Advanced Tech Component Designs
MICROIP Debuts an Advanced IC Design and an AI IoT Platform
Comprehensive Financial Management
Origin Helps Budget, Invest, Save, and Get AI-Powered Guidance
Rewarding Money Apps
Shakepay Has an Innovative Reward System for Digital Currencies
Simplified Payment Platforms
Alternative Payments Has Introduced DPMax, an Open Banking Platform
Reimagined Story-Driven Campaigns
Visa Presented its 'Typewriter' Campaign at the 2025 Oscars
Free AI-Powered Budgeting Apps
'Wilbur' Helps Adults Get their Financials Back on Track
Sleek Minimal Contemporary Wallets
FOCX Designs the PIONEER Wallet with Minimal Features
Sustainable Banking Solutions
IDEMIA Unveils the GREENPAY Wallet for Sustainably Minded Bankers
AI-Crafted Banking Ads
The U.S. Bank Debuts 'The Power of Us' Campaign
Early Wage Solutions
Tapcheck Provides On-Demand Pay Access for Employee Financial Flexibility
Small Business Support Initiatives
Mastercard Awards Ten Female Entrepreneurs with Grants
Global Digital Marketplaces
Renaissance Hotels' R FINDS Shares Goods from Local Artisans
Business Management-Focused Mobile Apps
Intermex SOMA Strives to Empower Business Owners On the Go
Blockchain-Powered Credit Unions
KeyPoint Credit Union Joins a Banking Innovation Program
Women-Focused AI-Powered Financial Platforms
Her Finances' Services Target High-Net-Worth Women
Engaging Spending Insights
Parcely Finance is Like 'Spotify Wrapped' for Spending Habits
Improved Car Shopping Experiences
The BofA is Streamlining Automotive Purchasing for its Clients
Insightful Fraud-Battling Initiatives
TPAY Addresses Fraud in Mobile Payments
Feel-Good Financial Campaigns
Ally Financial's Banksgiving Supports Customers in Need with Funds
Effective Credit-Building Apps
Kikoff Relies on Targeted Financial Tools to Help Individuals
Accessible Home Improvement Services
IKEA Canada Introduces Payplan by RBC
Novel Cybersecurity Solutions
AuthLN is Revolutionizing the Future of Cybersecurity
Expansive Battery Technology Ranges
The Latest EcoFlow Power Solutions Include Four Options
AI-Enhanced Cryptocurrency Wallets
Asia Broadband Debuts Next-Generation AABB Wallet App
Idea-Testing Startup Tools
Startup Idea Tester Streamlines the Early Stages of a Business
Youth-Focused Financial Literacy Guides
Lakefront Finance Targets Gen Alpha, Gen Z & Millennials
Empowering Youth Bank Accounts
The OCBC MyOwn Account Helps Gen Alpha Learn Financial Literacy
Privacy-First Finance Apps
'Skwad' Helps Users Track Spending Without Linking Bank Accounts
Efficient Banking AI Tools
CIBC Improves Operations Through the Implementation of AI Tools
BNPL-Backed Credit Cards
Klarna Debuts a New Credit Card with Maximized Savings and 10% Cash Back
Group Finances-Centered Payment Apps
Tribe Money Pools is Introducing an Innovative Payment App
Cross-Border Remittance Features
e& Egypt Launches Instant Transfers Using a Digital Wallet
Financial Control Tools
iSave Makes Money Management Simple With Tracking, Goals, And Insights
Social Good Computer Drives
Digitunity Partners with OBAE to Address Technological Barriers
Personal Finance Planning
FinancialAha Streamlines Financial Planning and Projections
Sustainable Finance Accelerators
Commerzbank Taps Tenity for a New Sustainable Finance Accelerator
Intelligent Transaction Searches
Bank of America Up[grades Its Cashpro Platform
Neurodivergent Virtual Budgeting
Purple Piggy Bank Tracks Expenses and Manage Finances Securely
Digitized Note-Taking Apps
FlowNote Turns Note-Taking Into an Art
Development Freelance Services
Brian Kayfitz Debuts Android Freelancer Services
Gamified Budgeting Apps
Bread Budgeting Makes Budgeting Fun By Integrating Challenges
AI-Powered Finance Tools
MyFi Unveils a New AI Assistant Designed for Investment Guidance
International Professional Neobanks
'Zolve' Offers Financial Solutions for High-Skilled People
Savvy Personal Finance Platforms
'Savewise' Personal Finance Tools Helps Maximize Every Dollar
Real-World Business Ideas
People Problems Discovers Real Business Opportunities From Daily Needs
AI Business Consultants
15-Minute Business Plans Helps Entrepreneurs and Business Owners
AI Investment Assistants
FinPal Helps people Make the Right Financial Decisions Through AI
Expanded Cross-Border Payments
Visa Announces the Expansion of its Visa+ Program for US Customers
In-App Foreign Exchanges
Itaú Unibanco Officially Debuts Multi-Currency Foreign Exchange Solutions
Upgraded Expense Tracking Features
Expensify Extends Its Reach to the Global Self-Employed Market
Credit Score Health Tools
DailyPay's Credit Health Feature Helps Support Financial Wellness
AI Finance Tracking Solutions
With the Freelance App Users Can Track Detailed Reports & More
Effective Productivity Strategies
64Hacks Takes a Community-Driven Approach to Streamline Workflow
Personal Finance Apps
Spendwell Helps Users Gain Insights into Their Spending Habits
Youth-Targeted Finance Campaigns
Little Learners, Big Earners Teaches Money Basics to Gen Alpha
AI Money Trackers
Rolly Provides Real-Time Insights into Spending Habits
Personal Loans Marketplaces
Ratehub Has Launched Its Custom-Built Tool — LoanFinder
African Digital Wallet Platforms
Union54 Launches a New Social Commerce Platform Called ChitChat
AI Startup Investor Matches
FundBase Uses AI to Match Startups and Investors for Fundraising
Cashless Business Technologies
Aleta Planet Debuts the MPLUS Aleta for Southeast Asian Consumers
Kid-Friendly Financial Support Apps
Goaly Offers Financial Lessons for Kids and Their Parents
Optimized Communication Network Solutions
The O-RAN ALLIANCE Debuts Innovations at Mwc Barcelona
Multi-Currency Market Tools
Waza Introduces the Lync Platform for FX Liquidity
Mobile Device Addiction Campaigns
The Women's Brain Health Initiative Highlights a Growing Concern
Social Isolation-Combating Platforms
TimeBank by Healthfirst Foundation Has Debuted a New Platform
Connective Non-Profit Funding
Wingtap Connects Users with Charities in Need of Fund
AI Financial Trackers
Genkin Simplifies Cash Flow Tracking With AI-Powered Chat-Based Insights
Empowering Financial Management Apps
Windfall Makes Money Tracking and Management Easy
Flexible Loan Services
Lana Digital Introduces the Revolving Line of Credit in Mexico
Explorative Entrepreneur Ideas
Hustle Momumtum Invites You to Discover and Launch Side Hustles
Business Management Tools
FoundersKit Simplifies Business Management with Financial Tracking & CRM
Online Tip Collecting
Tipsme Changes the Way Individuals and Businesses Collect Tips
Unified Financial Management Platforms
'Fina Money' Tracks Personal and Professional Finances
Minimalist Money Management Spreadsheets
The Expense App Let's you Upload Receipts and Documents
Enhanced Australian Lendtech Firms
Grapple Invested into its Financier Platforms with AI Tools
Pre-Launch B2B Startup Apps
Faindrr Focuses on Growth and Connections Between new Startup Founders
Flexible Payment Features
Jifiti Has Introduced Tap Now, Pay Later™ Technology
Australian Fintech Lending Tools
BeforePay Group Launched 'Carrington Labs' for B2B Lending
Personal Financial Assistants
Timmy Offers Tailored Suggestions to Improve Spending Habits
Biometric Banking Technology
DERMALOG's Biometric System Makes Banking Safer for Individuals
Digital Scam Detection Tools
Google is Rolling Out New Tools to Keep Users Safe From Scams
Digital Credit Union Branches
Orlando Credit Union Has Introduced a New Digital Branch
Revenue Insights Tools
Track Your Revenue by Country with Where Money’s Stripe Integration
Digital Commercial Payment Apps
Mastercard Unveils the Mobile Virtual Card App for Businesses
Friendship-Focused Finance Agreements
'Friends Over Money' Let's You Make Agreements with Friends
Youth-Oriented Arts Camps
QNB is Set to Unveil an Eco-Friendly Arts Camp for Kids 4-14
Morocco-Based Card Programs
Citibank Partners with Mastercard to Launch a Commercial Card Program
Local Economic Growth Initiatives
Hershey's is Supporting Village Savings and Loan Associations
Simplified Youth Savings
Dive Money is a Savings App for Gen z, Offering Interest on Deposits
Comprehensive Indian Payment Tools
BharatPe Unveils the Country's First All-in-One Payment Device
B2B Credit Decision Tools
Krebit Streamlines the Financial Process for Credit Card Applicants
Important Sharing Apps
The FinhApp Let's You Share Wills or Messages with Loved Ones
Income Tracking Tools
Money Tracker Helps Users Stay in Control of Their Finances