I work in software development for a large financial services company. I can't speak to product innovation, but there is room for new ideas in how financial pr

I work in software development for a large financial services company. I can't speak to product innovation, but there is room for new ideas in how financial products are delivered. A couple examples off of the top of my head include banking aggregation under Mint or Personal Capital, remote check deposit, You Need A Budget (YNAB), or services like Digit that identify when you're less likely to miss money and pull it into savings. These aren't new products or new wealth, but changing how people manage and interact with their finances.