A recent poll, as seen on Bank Innovation, revealed that the banking customers 35-year old and younger are inclined to use non-bank services like Square or PayPal over traditional banking services.

Sometimes eviction notices serve as a catalyst for a better life.....  

Honorable mention is Graham Stephan.Graham is a new breed in this arena, a "high-tech" innovator of sorts.

Racism exists everywhere but it is certainly worse in the south and away from oceans.Unfortunately, it's something you'll have to deal with and push through if you want to succeed.Let your success be the catalyst for someone else not to view others through a racist lens.

At this point the country will not only have to create innovation, but also to reinvent itself.

These are a very bad way to prove your claim of the overwhelming superiority of the quality of white-label sponsors.Also, innovative startups don't follow the "Valdemort rule" (not mentioning the names of competitors).

Popular area, difficult to build density, wealthy and innovative part of the country.  

That's what good start up innovators will do and say. 

@Sarah Lam had a meetup in SF back in Nov or Dec of 2013, which inspired me to start holding monthly meetups in the East Bay (link above).

We've got more innovations and many more being released all the time.