Mobile Apps


Mobile apps have the potential to provide access to affordable, high-quality financial products and services for underserved consumers. Use of mobile devices, including smartphones, is growing rapidly, most notably among underserved consumers. D2D has administered Hackathons and Competitions to spur the development of mobile apps that improve financial access and capability for underserved consumers that were jointly administered with the Center for Financial Services Innovation (CFSI).  The FinCapDev Competition (2013 & 2014) and MyMoneyAppUp Challenge (2012) produced apps for individual consumers, and the SmallBizDev Hackathons produce apps for small businesses.

Mobile Apps Resources:


The SmallBizDev Hackathons bring together designers, developers, entrepreneurs, and innovators to create hacks or apps for mobile platforms that solve the toughest issues facing small business owners.

When and Where: June 21-22, 2014 in San Francisco, July 19-20 in Chicago, and September 13-14 in New York

Winning hacks: 

  • San Francisco Grand Prize Winner: Shiftmates



A $100,000 Prize Purse. Startup Cash. Tech Resources. Expert Consult. FinCapDev is a mobile app development competition that helps millions of underserved Americans make smarter financial choices and achieve better access to financial services

When: The FinCapDev 2014 Competition is underway. Finalist teams will be announced in June and demo functional apps at an event in the fall of 2014. The FinCapDev 2013 Competition concluded in June 2013. 

2013 Winning apps:

  • Grand Prize: Better Haves-- Encourages couples to build and use a household budget together
  • Runner Up: Thrifty Bunch-- Leverages the power of crowdsourcing and gamified reputation systems to assist a user in deciding whether to buy a specific product or service
  • Runner Up: Down Payment Saver-- Enables first-time homebuyers to save up and reach their down payment goals



The FinCapDev Hackathons were two-day events where entrepreneurs, designers, developers and innovators came together and built prototypes or apps for mobile platforms that solved specific issues described in U.S. Financial Diaries cases.  Hacks help underserved Americans make smarter financial choices and achieve better access to financial products and services.

When and Where: February 8-9, 2014 in San Francisco and March 29-30, 2014 in New York

Winning hacks:

  • San Francisco: Climb-- Helps users decide how to prioritize bill payment when they can't afford to pay them all
  • New York: BeThrifty-- Facilitates purchases of bulk items by multiple users



MyMoneyAppUp was a contest that motivated American entrepreneurs, software developers, the public, and students to propose the best ideas and designs for next-generation mobile tools to help consumers make smart financial choices, access high quality financial products and services, and ultimately control and shape their financial futures. It was launched by the U.S. Treasury Department in collaboration with D2D and the Center for Financial Services Innovation (CFSI). The IdeaBank collected 140-character, tweet-like app-based solution ideas that were put to a public vote and ultimately selected by judges. The App Design Challenge solicited comprehensive design proposals for apps from companies, individuals, and teams.

When: 2012

Winning ideas and designs:

  • Centz-- Helps users make sense of their student loans and earn cents while doing it


Mobile Apps main contact: Tim Flacke