6. InvestFeed

With breakthrough technology at our fingertips, new finance services and tools are integrating with some of the world’s most advanced digital minds. I recently ran into InvestFeed; their goal is to create optimal transparency for all kinds of investors across the world. – Shazir Mucklai, Omega Consulting

7. PeerStreet And WorldRemit

PeerStreet is democratizing real estate investing by giving investors access to real estate debt opportunities, an asset class that was previously not available to non-institutions. Services like WorldRemit are empowering immigrants with better choice, security and transparency in sending money back home to their loved ones. – Binna Kim, Vested

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8. Faster Payment Rails

Our old ACH network is improving. Instead of settling payments once per day, as it has for decades, it will start to settle multiple times per day. This will improve settlement success rates and prevent e-check kiting. Coming right behind this improvement are a number of real-time payment initiatives. The most exciting of those is TCH by The Clearing House. Another worth watching is Zelle. – Charlie Youakim, Sezzle

9. Decision Logic

I’m excited about Decision Logic because it provides lenders the ability to verify a borrower’s sensitive information and understand their borrower’s financial history. In addition to preventing fraud, it also allows the borrower’s information to stay confidential, making the funding process faster. – Chad Otar, Excel Capital Management, Inc.

10. Peer-To-Peer Lending

One new fintech service that excites me is peer-to-peer lending, which directly connects borrowers and lenders through a platform that cuts out the traditional lending institutions. This gives lenders an opportunity to focus their dollars in a specific direction and borrowers an additional source of funding. Bypassing the middleman banks should also lower the cost of borrowing. – Jacob Alphin, Rillhurst Capital

11. Robo-Advisers

I think it’s exciting to see more robo-advisers coming into play working with actual advisers — more of a hybrid mix between the human and robot features. This is especially appealing to millennials. While the robo-advisers still need more testing, it’s cool to see how they will come into play in the future. – Justin Goodbread, Heritage Investors

12. Greenlight

I just got my ten-year-old daughter a Greenlight card. It allows me to automate her allowance and potentially control the spaces where she spends money. I give her a week to spend anywhere and can designate more money when other parents take her out (i.e. to the movies), so I don’t have to give her cash. – Matthew May, Acuity