E-finance isn't the playground that it was a few years ago, when just about any idea with a dot-com suffix got funded and business fundamentals didn't matter in the slightest. Still, it's not such a bad place to be. As our third annual list of the 30 most fascinating players in international online finance attests, the late-1990s explosion of technological creativity left a lasting impact on financial services. Many innovations , and the visionaries who championed them and appear in the profiles that follow , are doing quite well, thank you, despite the sustained bear market in technology stocks and the aftershocks of September 11.