EXHIBIT 99.3

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



         I, Paul McKnight,  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 Quarterly  Report on Form 10-Q
for the  period  ended  June  30,  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/ Paul McKnight
                                         ------------------------------
                                         Name: Paul McKnight
                                         Title: Chief Financial Officer

August 14, 2002