CERTIFICATION OF CHIEF FINANCIAL OFFICER
                           PURSUANT TO 18 U.S.C. 1350
                 (SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002)

         I, Matthew Richman, Chief Financial Officer of Front Porch Digital Inc.
(the "Registrant"), do hereby certify, pursuant to 18 U.S.C. Section 1350 as
adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that, to the
best of my knowledge, based upon a review of the Annual Report on Form 10-KSB
for the year ended December 31, 2002 of the Registrant, as filed with the
Securities and Exchange Commission on the date hereof (the "Report"):

         (1) The Report fully complies with the requirements of Section 13(a) or
15(d) of the Securities Exchange Act of 1934, as amended; and

         (2) The information contained in the Report fairly presents, in all
material respects, the financial condition and results of operations of the
Registrant.

                                               By: /s/ Matthew Richman
                                               -------------------------
                                               Name: Matthew Richman
                                               Title: Chief Financial Officer

May 19, 2003


         A signed original of this written statement required by Section 906
has been provided to Front Porch Digital Inc. and will be retained by Front
Porch Digital Inc. and furnished to the Securities and Exchange Commission or
its staff upon request.