That's exactly what the company is aiming to become, though, with this new partnership. The "Generation Forward" campaign will reward credit card users with music downloads and other tokens of thanks when they make "responsible choices" like pay their bills on time, donate to homeless shelters and promise to be nice to small animals. How much more surreal could this get?

We're all for the webification of financial data, with proper privacy and data portability steps of course. We're big fans of some of the personal finance apps available. We really want to see innovation in this space and even some of the paternalistic shoving towards social responsibility that MySpace is engaging in seems like a good idea.

This is MySpace, though. It's got a lot going for it, but a "responsibility based" MySpace credit card sounds like an Octuplet Mom co-branded condom to us. This just seems too far afield from the brand that made MySpace what it is and we expect the credit cards to be something that more people make jokes about than use.

This is the seventh in our series of top products of 2008:

1. Top 10 Semantic Web Products of 2008
2. Top 10 International Products of 2008
3. Top 10 Consumer Web Apps of 2008
4. Top 10 RSS and Syndication Products of 2008
5. Top 10 Mobile Web Products of 2008
6. Top 10 Enterprise Web Products of 2008

Finance

Mint

Mint single-handedly changed the market for personal finance tools on the Internet in 2008 and forced Quicken, its closest competitor, to start offering its own online tools for free as well. Mint aggregates personal finance data from across the web and displays a consolidated view of all of your accounts in a very well designed and easy to use user interface. Mint also uses this data to recommend better credit cards and savings accounts to its users.

Mint launched its beta program in late 2007 and came out of beta in October 2008.  By October, Mint already had close to half a million users and had managed over $12 billion in transactions. In the course of 2008, Mint added a substantial number of new features to its lineup, including the ability to get an overview of your investment accounts. Mint also launched a major redesign of its user interface in August.

Rudder

While Rudder might look similar to Mint at first, this personal finance tool has a very different focus. While Rudder also aggregates your banking and credit card accounts, it does not focus on analyzing your past spending habits in the way Mint does. Instead, its focuse is on the letting you know how much money you still have to pay your monthly bills. One of the great advantages of Rudder is that it sends all your updates to your inbox, so that you don't even have to log in to the service to keep up to date.

Rudder debuted at this year's DEMOfall conference in San Diego and, given the current economic situation, couldn't have launched at a more opportune time. Rudder also features a large number of useful finance planning tools and a great mobile site.

Health

PatientsLikeMe

PatientsLikeMe is an online community for people with life-changing medical conditions like Multiple Sclerosis, Post-Traumatic Stress Disorder, or Fibromyalgia. Even though the site is still relatively now, it already provides on of the largest patient communities, and also features a wide range of research tools for symptoms and treatments.

PatientsLikeMe was founded in 2004 and defines its mission as providing a platform for sharing real world medical data. Members of the site often share data about their individual health experiences like symptoms, weight, mood swings, or drugs they have taken. Thanks to this, you can easily find others who are in the same situation as you and see what treatments are working for them.

Earlier this year, we named PatiensLikeMe as one of our favorite Web 2.0 health apps.

Sermo

Our second top health app is also a social network, but this time for physicians. Sermo has over 90,000 members who exchange information about both medical and non-medical issues. As Matthew Holt from the Health Care Blog pointed out to us, the site also features some highly sophisticated survey and ratings tools, though it is only open to registered physicians.

This year, Sermo also rolled out a partnership with Bloomberg that provides healthcare investors with access to medical information compiled by the site's members.

Education

TeachStreet

TeachStreet is not an educational site in the traditional sense. Instead, it provides a marketplace for teachers and students to meet. TeachStreet, whose motto is 'Learn New Things,' focuses mostly on teaching adults anything from arts and crafts, to bagpiping and foreign languages. TeachStreet started out in Seattle, WA, but expanded to Portland, OR and the Bay Area this year. The site already lists over 60,000 different classes and instructors.

TeachStreet is an interesting tool, both for teachers to gain more visibility, and for students to find the right classes and teachers. Thanks to its excellent search functions and well-designed layout, TeachStreet has already made a name for itself in the regions where it has officially launched and is poised for more growth in 2009.

After the jump: Politics, Non-Profits, Travel

Politics

OpenCongress

While the U.S. election surely dominated the news this year, one non-election related web app that we really came to appreciate this year was OpenCongress. OpenCongress is a project by the Participatory Politics Foundation and the Sunlight Foundation and is definitely a must for political junkies. The site tracks all the news and votes in the U.S. Congress through an easy to use interface that features a lot of AJAX and RSS. The site even supports OpenID and also provides its users with a large number of widgets they can implement on their own sites.

As our own Marshall Kirkpatrick pointed out in his review of the site, it makes users "want to pay attention to politics because the user experience is so smooth and compelling."

Non-Profits

Kiva

Kiva is a micro-lending service that was founded in 2005 and at that time, it was the first person-to-person micro-ending site on the net. Kiva allows its users to lend small amounts of money to entrepreneurs in developing nations. The loans typically go towards starting up or expanding small, local businesses, ranging from a motorcycle repair shop in Lebanon to tailors in Pakistan.

In November, Kiva announced that over $50 million have now been lend by Kiva's over 330,000 members. This is a major success for the organization, especially given that Kiva had only loaned $11 million by September 2007. Kiva also ran a successful billboard campaign in California thanks to the help of PayPal.

The current financial crisis is obviously affecting Kiva and the organization is already seeing fewer lenders. Hopefully, this trend will reverse in 2009.

Wild Apricot

Wild Apricot provides software-as-a-service solutions to small and medium sized associations, clubs, and non-profits. It has created tightly integrated solutions for membership management, event registration, and creating customized web sites, with a focus on the non-profit sector. Service plans range from free to a flat fee of $200 a month, depending on the size of the contact database you plan to manage on the service.

In 2008, Wild Apricot rolled out a number of updates to its software, including support for Google Checkout, custom URLs, and better group management. Currently, Wild Apricot has more than 10,000 non-profit organizations as clients. We also like the company's well-written and informative blog about technology for non-profits.

Disclosure: Wild Apricot is a RWW sponsor.

Travel

Yapta

The web clearly revolutionized the travel industry. Booking flights and vacations online has quickly become a routine activity, even for less savvy web users. While Yapta launched in 2006, it was really only in 2008 that the site was able to differentiate itself from larger competitors like Kayak, FareCompare,  or Farecast. In June, Yapta announced a new feature that allows you to track airfare changes, and in November, Yapta unveiled a unique service that also allows you to track when and where you can use you frequent flier miles to book a flight.

While it's probably best to take this data with a grain of salt, Yapta claims to have saved its users over $91 million in airfare since May 2007.

PlanetEye

PlanetEye is a social travel site with a strong focus on providing both user-generated content, as well as stories from local editors all over the world. One of the core features of PlanetEye are its Travel Packs, which let you clip content from the site while you are planning your trip. This allows you to easily create your own personalized travel guides. PlanetEye came out of beta in the middle of 2008 and has already managed to established a loyal community of users on its service. PlanetEye also partnered with Travelocity, OpenTable, and StubHub.

Besides giving you great info for planning your trip, PlanetEye also lets you share geotagged photos with the rest of the PlanetEye community. The highlight of the service, however, is the content added by PlanetEye's local experts which ranges from blog posts to reviews of restaurants and local sights.

That's our list of 'real world' web apps that we think have made a difference to mainstream people in 2008. Let us know in the comments what your favorites are.

Currently, the Visa Mobile Android application is available for select Chase Visa cardholders who use the T-Mobile G1 handset.

Are Mobile Financial Apps Safe?

As great as the Visa mobile app sounds, those over at Phandroid discovered something in the fine print that sounded a little troubling. Buried in the terms of service, there is a line that reads:

"...unfortunately, no data transmission via a mobile handset can be guaranteed to be 100% secure."

Of course, nothing is 100% secure these days - that's a given - but what does this mean for consumers using the application? Is Visa trying to cover themselves in case of any liability? That's the conclusion Phandroid come to. Visa is probably just trying to make sure that they aren't held responsible in case an error on T-Mobile's part leads to a data breach of some kind.

Still, it's interesting to read how the original press release about the application had an entirely different message. In it, there was a statement from Elizabeth Buse, Global Head of Product at Visa, where she noted that the mobile application "makes the consumer payment experience more convenient, more secure and more rewarding."

It's probably nothing to worry about, but the tone of concern in blog posts reminds us of the fears that people had when online shopping, banking, and bill pay services were first introduced. If you'll recall, there was an initial period of skepticism about the safety and security of performing financial transactions over the internet. The next frontier for fighting those same concerns may be mobile. Will consumers fear that mobile apps managing their financial data are insecure, too?

Making Mobile Mobile Secure

Consumers may have good reason to be hesitant though, and not because of Visa's pseudo-CYA line in their Terms of Service, but because mobile phones are often lost or stolen. If you're managing your financial data through mobile applications, there need to be some safeguards in place so that thieves can't access your credit card numbers and steal your identity just by snagging your phone.

We would also love to see remote backup and shutdown features built into applications such as these in the future which would allow you to quickly deactivate the app remotely in the event your phone goes missing. Even better, why aren't handsets manufacturers building these features into their phones? That would be a huge selling point for consumers when shopping for a new device.

It's not as if the technology doesn't exist. For example, at this year's DEMO conference, a startup called Maverick Mobile demonstrated a mobile security application that backs up your phone book and messages remotely in the event you lose your phone. It can also send activity reports via SMS as to what was happening with the handset - like if it was being registered to a new carrier and who that carrier was. It even let you remotely lock the phone or pester the thief with a loud alarm that couldn't be disabled without removing the battery.

We think more applications like that should be introduced to guarantee the safety and security of our mobile devices before we're hit with a ton of mobile apps for managing our finances. It would definitely make us feel more comfortable. Still, it's good to see innovation taking place when it comes to what these smartphones can do. An app like that from Visa means we're only one step away from actually being able to use our phones to make purchases...and that's really something to look forward to.

Explosive Growth

In Q3 2008, VeriSign Messaging and Mobile Media Divison's mobile messaging networks enabled more than 58.3 billion messages per day to travel through their pipes...10% more than in the previous quarter and up from 280 million per day in Q3. Based on these record-breaking numbers, VeriSign projects that their mobile messaging networks will enable close to 200 billion total messages by the end of the year.

Enterprises and financial institutions have seen growing numbers of mobile messages sent, too. From Q3 2007 to Q3 2008, the total number of messages delivered rose from 129 to 227 million - a 115% increase.

Much of that activity comes from SMS's new position as the preferred platform for mobile banking. VeriSign's Mobile Banking platform, which includes seven of the top ten banking brands and three of the top five credit card companies, has grown 35% since last quarter alone.  

Mobile messaging, as defined by VeriSign, isn't just SMS, though. They take into account a number of different types of messages, including the following:

• SMS - Short Message Service. SMS is the most common form of mobile messaging, also referred to as "text" messaging.
• ICSMS - Inter-carrier Short Message Service. ICSMS messages are text messages exchanged between carrier networks.
• MMS - Multimedia Messaging Service. MMS allows users to send multimedia messages that include images, video and audio.
• ICMMS - Inter-carrier Multimedia Messaging Service. ICMMS messages are multimedia messages exchanged between carrier networks.
• P2P Messages - Person to person messages, or messages sent from one mobile user to another.
• A2P Messages - Application to person messages, or application-generated content such as news alerts, ring tones, promotional video clips, and enterprise messages that are sent to mobile users.

It's interesting that even as the iPhone and other app-filled devices grow in popularity, when it comes to getting information quickly, we're still turning to the mobile message - and now more than ever before. Will this trend ever level off as more people switch over to the smartphones whose "real internet" experiences no longer require text-based workarounds for getting the information needed? By the looks of these numbers, it doesn't appear that will be the case.

Image credit: enV by Nesster

Online money management service Wesabe and the UK newspaper giant The Telegraph have entered a partnership to offer co-branded tools on the Telegraph website. It's a daring move, we can't help but admire it. We can't help but wonder how users will feel about it too, though.

We like this idea and it's clear that many people want to use online services to monitor and manage their finances. There's no doubt that many of the Telegraph's tens of millions of monthly visitors wouldn't have found out about Wesabe any other way. It does sound like a great convenience, as the company says, to be able to manage money in the same place that you get your news.

We suspect that there will be richer integration of Wesabe into Telegraph pages in the future. We can imagine, for example, news recommendations based on a reader's investment history. Something like the recent LinkedIn/NYTimes partnership.

Still, we wonder how comfortable people will be with this particular choice of partners.

Do You Want the Newspaper to Have a Direct Line to Your Finances?

Privacy is a touchy concern and it's generally assumed that personal finances are one of the most private matters in peoples' lives. None the less, online personal finance services like Wesabe and competitor Mint are growing fast. The value they are able to add on top of existing banking options online is substantial, though there may not be a big barrier to entry if established banks decide to offer similar features.

Partnership options are always interesting, and technology plays in finance are often fascinating - but the newspaper? We're not sure that an institution founded on the premise that it tells everyone everything is really the best choice to do personal finance through.

We like the idea of newspapers working with data (see what The Guardian is doing), but not necessarily our personal financial data - even if it is worked with in anonymous aggregate. Are we alone in that thinking? We doubt it.

What about readers? Are you comfortable, excited even, with the prospect of doing personal finance through your local newspaper? We suspect our readers are disproportionately uninterested in such things as you are more likely to know about these services independently. Still, isn't there something a little crazy about this?

Readers interested in learning more about this sector should check out our recent podcast edition of ReadWriteTalk on the topic, with executives from Wesabe, Mint and Tip'd as guests.