There is still plenty of innovation happening in this space for those outside of the US. I know of three New Zealand based startups http://www.pocketsmith.com

There is still plenty of innovation happening in this space for those outside of the US. I know of three New Zealand based startups http://www.pocketsmith.com http://www.pocketsmith.com , http://www.xero.com http://www.xero.com and http://www.heaps.co.nz http://www.heaps.co.nz