Glenbrook’s Bryan Derman is live blogging from FinovateFall 2010. This is one of several posts; you can find an index to his coverage here.

BillFloat:

• Bill payment website that provides an instant, short-term loan to fund the bill payment
• Payor inputs key personal details that facilitates the loan underwriting
• Can be integrated with banks, prepaid card issuers and billers
• Can be presented as a payment option by billers and integrated with the Billeo bill payment assistant
• Announcing integration with their first prepaid card program, the UPside prepaid Visa card from Plastyc
• Also working with Credit.com

SapientNitro/Geezeo:

• Geezeo finding that consumers prefer to get Personal Financial Management (PFM) functionality through their banks and credit unions
• Working with Sapient to gain access to digital marketing in order to create a business model for the financial institution
• Bank can choose from among a set of pre-arranged ads to present behind its log-in, which can targeted to consumer profiles

Optirate:

• Believes that is difficult for consumers to find the highest rates on their savings balances and that the “megabanks” don’t provide competitive rates like those available at community banks
• Site contains educational information and presents typical rates in the consumer’s area
• Optirate does a vertical search on the consumer’s preferred product and provides rate and background information from several different banks
• Consumer can apply for and receive confirmation of a CD purchase (subject to final funding).  No need to go to the bank’s website
• Believes the bank’s opportunity is to establish new relationships with affluent consumers

CashEdge:

• Another familiar, returning presenter to Finovate, having demo’ed POPMoney service last year
• They say that 6% of the enabled base is using bank-based P2P payments, and doing so 1.5 times per month
• Average payment is $336 — being used for bill payments and gifts, not casual (lunch tab) payments
• Now looking at POPMoney for small businesses
• Offer standard payment or next day payment (with an additional fee, of course)
• Allows a rapid, electronic push payment to vendors with just an email address or mobile phone number

Silver Tail:

• Fraud forensics and mitigation products that search for malicious behavior in online banking sessions
• Working for several large banks and payment processors
• Can be used, for example, to detect online activity from “money mules”
• Now announcing “Federation”, wherein they will share threats among all their customer banks — they will create a common blacklist

TouMetis:

• Mobile PFM solution that allows bill payment from the mobile device
• Powered by the Yodlee 10 platform
• Flexible budgeting and reporting tools right from the mobile device
• Can review and actually pay bills that have been served through the Yodlee platform
• Will support various mobile phone and tablet platforms (iPhone, Android, Blackberry, iPad, Playbook, etc.)

Bundle:

• Provides “socially informed money management”  (great term, but isn’t that Mint.com?)
• Lets the user aggregate spending profiles from other users that have similar profiles (geography, age, income, etc.) and find ways to get back toward the mean
• Complement the data by letting users post actual stories about how they met their goals
• Looked at online games in order to figure out right presentation — lots of graphical representation and drag & drop navigation
• Bundle will create a proposed budget based on the user’s profile (using budgets of people with similar demographics)
• Will also provide suggestions based on other users’ spending experience