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
Digital Debit Card Campaigns
Interac Introduces 'The Lost Wallet Board' Installation in Toronto
AI-Powered Shopping Assistants
Kudos is an AI-Driven Smart Wallet That is Rapidly Expanding
In-App Retail Expansions
Garmin Allows You to Buy Apps & Watch Faces Through the Connect IQ Store
Wellness-Centric Credit Cards
Wells Fargo &Mastercard Debut the Attune℠ World Elite Mastercard®
In-App Travel Offerings
Expedia Group Utilizes AI to Curate Summaries and Trip Details
AI-Fueled Finance Apps
The 'Finn' App Can Provide Accurate Responses to Complex Queries
Credit Score Dating Apps
The Score Dating App Requires Users to Have a 675 Credit Score
GenAI Financial Assistants
Intuit Assist for QuickBooks Streamlines Small Business Operations
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
AI-Powered Digital Banks
Revolut Introduces its Reliable AI-Powered Finance Product, Billpay
Credit Card Benefit Expansions
DoorDash and Chase Will Offer New Grocery Benefits
Blockchain-Integrated Online Banking
Kauri Finance 3.0 Represents an Evolution in Online Banking
AI-Powered Budgeting Apps
Cleo Helps Gen Z Get Their Finances in Order with Roast & Hype Modes
Discreet Card-Sized Trackers
The Nomad Tracking Card Fits Neatly into Wallets
Flexible Mobile Bank Payments
Wallet Express Was Created by Samsung and Mastercard
Lifestyle Activity Tracking Apps
The 'Timeline It' App Tracks Virtually Any Activity or Event
Kids' Money Management Books
'The Adventures of Ca$hman & Supersaver' Promotes Financial Awareness
Digital Currency Piggy Banks
This 'Smart Piggy' Bank Concept Upgrades a Classic
Financial Coloring Books
Chime Boasts Activities for Financial Progress Month
Financial Challenges Mobile Apps
The Achieve GOOD™ App Aims to Assist Consumers with Debt
Digital Wallet Loyalty Solutions
Loopy Loyalty Adds Loyalty Cards in Apple and Google Wallet
Social Shopping Apps
Locker Helps Users Organize, Share, and Earn from Online Wishlists.
AI Personal Finance Managers
Blahget is a Voice-Based AI Expense Tracker Foe Everyone
Multi-Use Non-Payment Wallets
Google Wallet India Unveils an Expansion for Non-Payment Services
Golf-Inspired Credit Card Partnerships
Topgolf Callaway Brands and Visa Launch Co-Promotions
Privacy-Focused Budgeting Apps
The 'Apollo' Personal Finance App Streamlines Money Tracking
Financial Accessibility-Enhancing Cards
iCapital Ventures Launches the Liorcard Titanium
Instant Retail Savings Platforms
formi by Patron Points Offers Universal Savings for Shoppers
Re-Imagined Time Management Tools
JotDay Uses Data From Other Apps to Offer an Intuitive Overview
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
Simple Finance Trackers
Wingmann Simplifies Budgeting with Automatic Expense Tracking and Insights
Effective Retirement Calculators
Finabled Retirement Calculator Helps People Manage Their Finances
Rewarding AI Shopping Apps
The ShopUp App Revolutionizes In-Store Shopping with AI Data
IPP-Focused Finance Updates
Adyen is Improving the IPP Sector with New Product Expansions
Private App-Based Journals
Apple Launches a New Journal App for iPhone Users to Positively Reflect
Digital Loyalty Customer Cards
Passkit Makes Loyalty Cards for Apple and Google Wallet
Rewarding Money Apps
Shakepay Has an Innovative Reward System for Digital Currencies
Free AI-Powered Budgeting Apps
'Wilbur' Helps Adults Get their Financials Back on Track
Comprehensive Travel Navigation Apps
Destination App Integrates Information from Over 800 Sources
AI Financial Wellness Apps
'AI FinCheck' from Yodlee Guides Users Toward Financial Goals
Actor-Collaborative Debit Cards
Acorns Introduces the Mighty Oak Visa with Dwayne Johnson
App-Based Charging Payments
The Lidl Plus Rewards App Will Act as a Payment Platform for Charging
Customized Convenience Retailer Apps
Family Express is Introducing a Personalized App Experience
Efficient Travel Planners
Travel Stash Enables Users to Plan Trips in Under a Minute
Improved Car Shopping Experiences
The BofA is Streamlining Automotive Purchasing for its Clients
Engaging Spending Insights
Parcely Finance is Like 'Spotify Wrapped' for Spending Habits
Insightful Fraud-Battling Initiatives
TPAY Addresses Fraud in Mobile Payments
Effective Credit-Building Apps
Kikoff Relies on Targeted Financial Tools to Help Individuals
Early Wage Solutions
Tapcheck Provides On-Demand Pay Access for Employee Financial Flexibility
Accessible Home Improvement Services
IKEA Canada Introduces Payplan by RBC
All-in-One Productivity Apps
Evo Brands Itself as 'The Everything App'
Scam Awareness Advent Calendars
NatWest's Scamvent Calendar Exposes Common Seasonal Scams
Cashback Grocery Deliveries
Instacart and Chase Partnered to Offer 10% Back for Cardholders
Account-Managing Finance Features
Entrust Launches a New Digital Account Opening Solution
Privacy-First Finance Apps
'Skwad' Helps Users Track Spending Without Linking Bank Accounts
Money Management Platforms
Wealth Calculator Lets You Visualize Your Investment Journey
AI-Powered Retail Payments
Focalpay's New AI Features Streamline Retail and E-Commerce Operations
BNPL-Backed Credit Cards
Klarna Debuts a New Credit Card with Maximized Savings and 10% Cash Back
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
Student-Focused Credit Cards
Neu Launches a Credit Card for College Students Building Their Credit
Customized Membership Cards
Amaze Technologies Offers Digital Wallet Loyalty Solutions for Brands
Intelligent Transaction Searches
Bank of America Up[grades Its Cashpro Platform
BNPL Shopping Subscriptions
Klarna Adds a Subscription Plan for Frequent Shoppers
Gamified Budgeting Apps
Bread Budgeting Makes Budgeting Fun By Integrating Challenges
Digital Brainstorming Tools
Card Buddy Serves as an Online Space to Visualize Ideas and Thoughts
Global Money-Transferring Apps
HSBC Unveils its Inclusive 'Zing' App and Debit Card in the UK
Self-Ordering Kiosk Apps
Evexi's New Self-Ordering Kiosk App Integrates with Square
Savvy Personal Finance Platforms
'Savewise' Personal Finance Tools Helps Maximize Every Dollar
Unified Subscription Management Apps
The 'SubX' Subscription Manager Supports Over 1,000 Services
Mobile Ad-Supported Checkouts
Sam's Club is Launching Display Ads in its Mobile App
Effortless Group Payment Tools
Tabbit Splits Bills Easily with Payment Links Via Any Messaging App
Digital Gifting Platforms
On Me Makes the Traditional Gift Card Experience Modern & Personal
Immersive Restaurant Rewards App
Bella Italia is Unveiling a New Digital App for its Guests
Bill-Splitting Apps
SplitParty Helps Friends Keep Bills Fair and Organized
AI Expense Management Solutions
Smart Expense Tracker Uses AI for Efficient Expense Management
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
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
Social Trip-Planning Apps
TripMap Makes Trip Planning Easier with Expense Tracking and More
AI Finance Tracking Solutions
With the Freelance App Users Can Track Detailed Reports & More
Novice-Friendly Crypto Wallets
Tori Helps Beginners and Experts Manage Digital Assets
Organizational Reminder Apps
The Todo Reminder App Enhances Productivity With a Few Simple Steps
Third-Party Coupon Providers
Instacart Taps Ibotta to Provide Customers with Digital Coupons
Personal Finance Apps
Spendwell Helps Users Gain Insights into Their Spending Habits
Efficient Property Management Apps
Tribe Property Technologies Has Launched Its Tribe Home App
Smart Life-Planning Apps
Last Plannr is More Than a Traditional To-Do List
African Digital Wallet Platforms
Union54 Launches a New Social Commerce Platform Called ChitChat
User-Friendly Finance Trackers
Flooz Simplifies Budgeting by Tracking Expenses and Finances
Money-Saving Grocery Apps
Schnuck Markets and Upside Launch a Co-Branded App for Rewards
Global Money-Managing Apps
Zing Empowers Users to Send Money Internationally, Worry-Free
Goal-Oriented Health Apps
The 'Bright' App Offers a Holistic View of One's Health
Kid-Friendly Financial Support Apps
Goaly Offers Financial Lessons for Kids and Their Parents
Curated Flight Deal Apps
The Going App Offers Expert and Personalized Travel Deals
Democratized Financial Service Tools
Plaid Aims to Make Financial Services More Accessible
Integrated Business Banking Tools
PennyFlo Streamlines Financial Management for Businesses
Comprehensive Business Loyalty Solutions
BusinessQR Helps Brands Build Customer Loyalty
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
Empowering Financial Management Apps
Windfall Makes Money Tracking and Management Easy
Holiday Meal Savings Campaigns
The Dollar General 'Decked Out In Deals' Campaign is Cost-Conscious
Customizable Shopping Management Tools
HandyTote Ensures Items are Easily Classified and Located
Explorative Entrepreneur Ideas
Hustle Momumtum Invites You to Discover and Launch Side Hustles
Digital Money Saving Tools
SaveStrike Helps Users Easily Create Wishlists To Curve Impulse Buying
Online Tip Collecting
Tipsme Changes the Way Individuals and Businesses Collect Tips
Simple Calendar Summary Tools
The Free Calendar Dashboard Can Summarize Your Week in Minutes
AI Tax Season Tools
Expense Badger Streamlines Financial Management For Taxes and Beyond
Unified Financial Management Platforms
'Fina Money' Tracks Personal and Professional Finances
Motivational Goal-Tracking Apps
Disciplined Helps Users Track Their Progress and Stay Motivated
Minimalist Money Management Spreadsheets
The Expense App Let's you Upload Receipts and Documents
Flexible Payment Features
Jifiti Has Introduced Tap Now, Pay Later™ Technology
Personal Financial Assistants
Timmy Offers Tailored Suggestions to Improve Spending Habits
Travel Budget Management
Manage Your Travel Expenses Effectively with 'My Budget Sherpa'
Efficient Bill-Splitting Apps
SimplySplit Offers a Hassle-Free Bill-Splitting Experience
Simplified Youth Savings
Dive Money is a Savings App for Gen z, Offering Interest on Deposits
Receipt Management Tools
Turn Paper Receipts into Categorized Spending Insights with Snapceipt
Digital Scam Detection Tools
Google is Rolling Out New Tools to Keep Users Safe From Scams
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
Budget Tracking Managers
Buxter is a Simple Budget Management App That Helps Track Expenses Easily
Simplified Expense Managers
'Split' Keeps Track of Balances with Friends to Ensure Fairness
Financial Organization Tools
Expensio.co Simplifies Budgeting, Tracks Expenses, and Saves Money
Credit-Boosting Rental Payments
Bloom Credit Unveils Credit-Building Tool for Renter Payment Data
Productivity-Enhancing Apps
FlowFinitee Provides Valuable Insights to Increase Your Productivity
Group Expense Tracking
Paymeback.lol Does the Math So All Expenses are Even
Morocco-Based Card Programs
Citibank Partners with Mastercard to Launch a Commercial Card Program
Bill Splitting Apps
Splitit Ensures Everyone Pays Their Fair Share Without Confusion or Delays
Africa-Focused Finance Apps
Orange Launches the New Super-App 'Max It' for African Markets
Comprehensive Restaurant Overview Apps
Toast Debuts a Digital App to Manage Restaurant Operations
Digital Cash Payment Systems
Apple Cash is Planning to Offer a Virtual Card Number in Update
Virtual Supplier Spending Cards
ConnexPay Launches the ConnexPay Flex Variable-Rate Virtual Card
B2B Credit Decision Tools
Krebit Streamlines the Financial Process for Credit Card Applicants
Comprehensive Indian Payment Tools
BharatPe Unveils the Country's First All-in-One Payment Device
Income Tracking Tools
Money Tracker Helps Users Stay in Control of Their Finances
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