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This post is part of our live coverage of FinDEVr San Francisco 2014.

CopSonic takes sonic and ultra sonic waves to create an authentication technology that works on all phones:

Sonic and Ultrasonic Authentication Solution Working on All Mobile Phones

The CopSonic SDK allows contactless multi-factor authentication based on ultrasounds or sounds. This SDK is the first to introduce an "airgap" with encrypted analog information into the digital circuit. The security level thus achieved by CopSonic reaches current military security levels.

CopSonic is a universal solution working on all feature phones, smart phones, smart watches, tablets, computers, smart devices, internet of things, etc. as long as they are equipped with speakers and/or a microphone. It is operational on all standard GSM networks, on the internet or any other TCP-IP compatible network. The solution requires no change of Telco or of the existing hardware.

CopSonic enables e-commerce, financial and cybersecurity industries to propose a universal and secure solution for strong authentication to all of their customers worldwide. This authentication solution is an alternative to the use of online and/or offline passwords.

PhonicAccess and GateSonic are anti-phishing use cases of this highly secured technology. Also, for the first time, CopSonic enables the use of smart-bracelets as a secure access key.

Presenters: Emmanuel Ruiz, CEO & Head of Innovation and Brian Roeten, Chief Business Operator

CopSonic is a French company founded in 2013 specialized in the development and marketing of its sonic and ultrasonic authentication technology. The company is composed out of a strong team of researchers and engineers specialized in security, payment, sonic and ultrasonic authentication protocols. Recently, CopSonic joined the Microsoft Partner Network and became a member of the FIDO Alliance organization.

Twitter: @CopSonic
This post is part of our live coverage of FinDEVr San Francisco 2014.

OnDeck showed how its lending APIs help financial institutions lend to small businesses faster:

OnDeck Lending API's - Frictionless, Extensible, Powerful
The OnDeck Score evaluates thousands of data points - from cash flow to public records to social data - to more accurately and efficiently assess business health and deliver capital in as fast as 24 hours. 

Pamela Rice, OnDeck's SVP of Technology, is discussing how the OnDeck platform provides a critically needed mechanism for financial institutions and other business service providers to efficiently reach the Main Street small business market. 

The company has several APIs, which provide powerful, fully integrated lending capabilities to third party partners, thus allowing for instant pre-qualifications, pre-approvals and loan applications. Through a coding and product demo, Pamela will demonstrate how both developers and non-developers can interact with OnDeck's APIs in a UI sandbox and how to utilize our Salesforce app for frictionless plug-and-play integration. 
Presenter: Pamela Rice, VP Technology

Launched in 2007, OnDeck uses data aggregation and electronic payment technology to evaluate the financial health of small and medium sized businesses to efficiently deliver capital to a market underserved by banks. Its proprietary technology - the OnDeck ScoreTM - enables small businesses to obtain affordable loans with a fraction of the time and effort that it takes through traditional channels. OnDeck's credit models look deeper into the health of businesses, focusing on overall business performance, rather than the owner's personal credit history. 

As a leading direct lender of small business loans, OnDeck has deployed more than $1 billion in capital nationwide.

Twitter: @ondeckcapital
This post is part of our live coverage of FinDEVr San Francisco 2014.

Finicity launched its Financial Aggregation API:

Aggregation Reloaded

Forged and hardened in consumer PFM over the past 13 years, Finicity is publicly launching its Financial Aggregation API service with unparalleled FI uptime, broad FI coverage, 24/7 developer support, and exciting new endpoint features that will elevate your UX.

Presenter: Nicholas Thomas, President & Co-Founder

Founded in 1999, Finicity is a privately held fintech industry pioneer. Leading the charge to the Evented Financial Web, Finicity enables fintech developers to build real-time apps through its RESTful Aggregation API and the Finicity API Platform.

This post is part of our live coverage of FinDEVr San Francisco 2014.

Bluefin Payment Systems showed how its Point-to-Point Encryption Solution helps PCI compliance issues:

Bluefin, Point-to-Point Encryption (P2PE)

Bluefin is the first validated Point-to-Point Encryption (P2PE) Solution listed by the PCI Security Standards Council, North America. P2PE can reduce the scope of card data environment and related PCI requirements. Your software doesn't need to be PCI Compliant if card data is encrypted using P2PE.
Presenters: Ruston Miles, Chief of Product Innovation and Tim Barnett, Chief of Technology

About: Bluefin Payment Systems is a leading FinTech company focused on processing, integrating, and securing payments. Bluefin offers P2PE, tokenization, mobile payment SDK's, payment gateways, merchant accounts, PCI Compliance, transparent redirect, recurring billing, and branded online merchant account enrollment.

Twitter: @BluefinPayments
This post is part of our live coverage of FinDEVr San Francisco 2014.

Paradigm4 demonstrates how its SciDB makes it easier for builders to do big things with Big Data.

Crypto-Currency and Massive Network Analysis

We'll begin with a graphical overview of a crypto-currency financial network, discuss the key issues and challenges around massive network analysis and then demonstrate our solution using SciDB via the RStudio user interface.

Presenter: Bryan Lewis, Chief Data Scientist
Paradigm4 develops and supports SciDB: the open source, analytic DBMS; programmable from R & Python. SciDB is designed from the ground up to support more facile data management for Big and Diverse Data, and to do faster and bigger math. Hard questions. Fast answers. Open source.

Twitter: @paradigm4
This post is part of our live coverage of FinDEVr San Francisco 2014.

StockTwits discussed the best way for investors to compete in the social era:

Investing in a Social, Local and Mobile World

We are in a mobile boom that has connected people who also happen to be investors. The markets have always been giant mood rings, but the periods of quiet and volatility are more intense. We're discussing the best ways to use StockTwits to invest in the social era.
Presenter: Howard Lindzon, Chairman

StockTwits is a social network and publishing platform for investors and traders. We created the $ prefix for stocks (e.g. $MSFT). Follow @StockTwits and go to for real-time ideas and stock conversations.

Twitter: @stocktwits
This post is part of our live coverage of FinDEVr San Francisco 2014.

ModoPayments showed how beautiful apps lead to beautiful mobile buying experiences.

How to Find Money & Love with Mobile Apps (OK, maybe more money than love)

Learn about the best-kept-secret in mobile payments APIs: Modo. Modo will show you in 6 minutes or less how to build a beautiful buying experience that entices consumers to spend money, and make you money, through exceptional economics. This is all with the cunning use of the mobile app of your dreams. Your love mileage may vary.

Presenter: Bruce Parker, CEO & Founder
With Modo you can build beautiful buying experiences, with exceptional economics. Whether you are looking for more sales, transactions, or rockstar moments for your consumers, Modo can help. Using Modo's handcrafted API, your mobile app gets to perform in-store purchases at tens of thousands of store locations. Modo powers the payments and you design the experience. Everyone is looking for something: personal, magical, and beautiful. So why not give it to them? Your app, plus our platform - more of what you want.

Twitter: @GETmodo
This post is a part of FinDEVr's live coverage of FinDEVr San Francisco 2014.

Mifos presented how developers can use its not-for-profit platform for global financial inclusion:

Mifos X, Open Technology Platform Unlocking New Opportunities at the Base of the Pyramid

There is a massive opportunity to serve the 2.5 billion individuals who lack access to financial services (the unbanked). Discover how you can build and scale mobile and cloud-based solutions on top of the open Mifos X platform for financial inclusion which is led by a global community backed by Silicon Valley.

Presenter: Vishwas Babu, Chief Community Engineer

About: The Mifos Initiative is a 501(c)3 nonprofit that guides the development of the Mifos X solution for financial inclusion, an API-driven open-source platform with a suite of configurable cloud apps. Our community speeds the elimination of poverty by scaling financial services to the 2.5B unbanked.

Twitter: @mifos
This post is part of our live coverage of FinDEVr San Francisco 2014.

Cloud Lending showed how it helps financial institutions move the back office to the cloud:

Cloud Lending - Enterprise Lending Software

Cloud Lending products enable financial institutions to achieve scale and flexibility by moving the core back office to the cloud. Why did we choose Salesforce? The results that have been achieved by our customers using applications built on the platform - three-digit growth every quarter.

Presenter: Darpan Saini, Co-Founder & CTO

Cloud Lending is an enterprise cloud lending solution provider. Our agile solutions are designed to empower lending businesses to simplify business processes, stay compliant and be future ready.

Twitter: @cloudlending 
This post is part of our live coverage of FinDEVr San Francisco 2014.

BehavioSec demoed its behavioral biometric ID authentication system.

BehavioSec Offers the Most Mature ID System that Uses Behaviour Analytics

BehavioSec presents the latest in real-time security through the ability to monitor the way users interact with their device. By monitoring the environment and interactions such as typing rhythm or mouse patterns, our technology is able to recognize if someone other than the intended user is operating the device. If a security breach is detected, additional security measures can be carried out to prevent fraud and stop identity theft.
  • Robust proven technology with more than 10 million active users in 2014
  • Scalable with more than 500 million mobile transactions processed
  • High performance with more than 20 banks using the service
  • Available now for cloud or onsite deployment
Presenter: Neil Costigan, CEO & CTO and Josefine Ahl, Development Team Leader
Leaders in frictionless behavioral user verification & authentication, BehavioSec examines how you interact with a website or mobile device to provide a frictionless layer in web fraud prevention.

Twitter: @Behaviosec
This post is part of our live coverage of FinDEVr San Francisco 2014.

CardFlight showed developers how to add POS functionality into their mobile apps.

CardFlight SDK for Mobile Payments

The CardFlight SDK allows any mobile developer to build mobile point-of-sale functionality into his or her own mobile apps. CardFlight supplies three things:
  1. Encrypted mobile card readers that fit into the audio jack of any smartphone or tablet
  2. Easy-to-integrate software development kits for iOS and Android, complete with developer-friendly documentation and support
  3. A PCI level 1 compliant payment gateway that works with all major processors/merchant accounts.
This allows developers to easily process swiped credit card payments within their own apps without the complexity of typical payment integrations. By using the CardFlight SDK, developers can fully customize their user experience and keep control of their product, while being able to integrate payment data into their other back-end systems (CRM, inventory management, analytics, and reporting, etc.)

The CardFlight SDK and gateway is compatible with merchant accounts from leading processors, including Braintree, Chase Paymentech, Global Payments, First Data, Stripe, TSYS, and Vantiv.

Presenter: Elie Toubiana, VP Engineering & Derek Webster, CEO
CardFlight is a leading provider of mobile POS technology and tools that make it easy for anyone to accept swiped (card present) payments in any mobile app with virtually any merchant account. They offer both iOS/Android mobile payment applications and software development kids (SDKs) that can be incorporated into custom applications. CardFlight's platform also includes encrypted card readers and a payment gateway that supports over 20 different processors to provide clients with complete mobile payments and mobile POS (mPOS) solutions. CardFlight won the Electronic Transactions Association's 2014 Technology Innovation Award.

Twitter: @CardFlight
This post is part of our live coverage of FinDEVr San Francisco 2014.

Intuit Partner Platform encouraged developers to take advantage of its Intuit QuickBooks Online open platform.

The Small Business Opportunity

The importance of small business to the global economy can't be denied. With 600 million small businesses worldwide, the opportunity to drive their success is huge. Reach millions of small businesses by developing for Intuit QuickBooks Online, an open platform for developers that taps into the power of QuickBooks and the cloud. With partners from Square to American Express to Vend, QuickBooks Online allows Intuit and its ecosystem to simplify the business of life for millions of small businesses.

Presenter: Avi Golan VP & GM, Intuit Partner Platform
The Intuit Partner Platform (IPP) is an open platform that enables developers to integrate with rich financial and transactional data through REST-based APIs and offers unparalleled reach to millions of small business through Intuit

Twitter: @ippdev
This post is part of our live coverage of FinDEVr San Francisco 2014.

Eshta showed the versatility of its platform, which runs everything from ATMs to service marketplaces.

Eshtapay: The Financial Swiss-Army Knife

Estapay is directly operated in Ukraine and Egypt and also used online from Dubai to France to power self-service payment kiosks, service vending machines, service marketplaces, and ATMs. With less than 6 months time to market for deployment, Eshtapay exhibits remarkable versatility and efficiency.

Presenter: Catalin Braescu, CEO
Eshta develops and operates Eshtapay as a financial platform that can act as an online payment system, e-wallet, escrow system, and self-service payment terminal back-end. Eshtapay (due to its very flexible architecture) is a Swiss-Army knife for the online banked and unbanked alike.

This post is part of our live coverage of FinDEVr San Francisco 2014.

EVO Snap* launched EVO Snap* Connect, showing how easy it is to build customized loyalty programs with its technology that  combines payment data and marketing.

DIY Offers and Rewards - Closing the Digital Loyalty Loop

Activate and deepen relationships with customers by linking consumer data with payment and marketing services to create customized loyalty programs, card-linked offers and real-time rewards at point-of-sale.

Presenters: Peter Osberg (SVP) & Darren Adelgren (VP, Product & Customer Care)
EVO Snap* is one-stop shop for application integration, merchant underwriting and international payment processing. Our developer platform provides single-integration access to omni-channel payment processing and value-added services through one API - making it easy for developers to support merchants.

Twitter: @CanYouSnap
This post is part of our live coverage of FinDEVr San Francisco 2014.

Then, Xignite presented its market data APIs.

Kick-Start Your FinTech Business with Xignite Market Data APIs

Xignite powers hundreds of breakthrough FinTech apps and platforms - touching millions of investors & finance professionals each day. Learn how Xignite can help you kick-start your FinTech business, fuel your growth, and power your success with our easy-to-integrate financial data APIs.

Presenter: Stephane DuBois (CEO & Founder) and Anand Viswanathan (Software Engineer)
Xignite is the pioneer of cloud-based market data APIs & the data provider for leading FinTech innovators Betterment, FutureAdvisor, JemStep, Motif Investing, Personal Capital, Robinhood, SigFig, Stocktwits, The Currency Cloud, Wealthfront, Yodlee and more. From end-of-day stock quotes to spot rates on currencies, our APIs cover every asset class, market and data type available and are ideal for integrating data into FinTech mobile apps, websites, and platforms. 

Twitter: @xignite
This post is a part of FinDEVr's live coverage of FinDEVr San Francisco 2014.

Next, PayPal's presentation focused on how wearables are changing the mobile payment space: 

The Future of Payment Identity

PayPal explored how new identification techniques around wearables, biometrics, and mobile are vastly changing the payment space.

Presenter: Justin Woo, Developer Evangelist
About: The PayPal / Braintree Developer program is the face of technology innovation for the companies. Using an open source technology stack foundation, we are constructing new breeds of payment platforms, API standards, and identity systems to support the next generation of disruptive technology.

Twitter: @PayPalDev
This post is part of our live coverage of FinDEVr San Francisco 2014.

MasterCard showed how developers can take advantage of its resources to build better and more capable apps.

Open for Business and Beyond - MasterCard Developer Zone

Come and discover how MasterCard has become a technology company and is sharing its resources with developers.

Presenters: Mario Shiliashki, SVP, US Emerging Payments Lead
MasterCard (NYSE: MA),, is a technology company in the global payments industry. We operate the world's fastest payments processing network, connecting consumers, financial institutions, merchants, governments, and businesses in more than 210 countries and territories. MasterCard's products and solutions make everyday commerce activities easier, more secure, and more efficient for everyone.

Twitter: @MasterCardDev
This post is part of our live coverage of FinDEVr San Francisco 2014.

TD Ameritrade Institutional shows how it encourages collaboration among advisors:

The Power of Together = Better

The open-source world seizes opportunities with new and divergent technologies. Learn how TD Ameritrade Institutional has taken a game changing approach that is not just propelling advisors forward, but is also fostering a collaborative community of third-party technology providers.

Presenter: Chris Valleley (Director, Technology Solutions)
TD Ameritrade Institutional is a leading provider of comprehensive brokerage and custody services to more than 4,500 fee-based, independent Registered Investment Advisors and their clients. Our advanced technology and personal support allow investment advisors to grow their businesses more effectively. TD Ameritrade Institutional, Division of TD Ameritrade, Inc., member FINRA/SIPC.

Twitter: @TDA4advisors
This post is part of our live coverage of FinDEVr San Francisco 2014.

Visa is showing developers how to connect their e-commerce solutions to Visa's payments network through open payment APIs and SDKs. 

The Future of Commerce

Learn how Visa is supporting the creation of new, innovative commerce solutions by enabling developers, mobile network operators, device and platform operators to easily connect to Visa's network through new open payment APIs and SDKs.

Presenters: Alan Johnson (Sr. Director, Digital Developed Markets) & M. Tad Tilahun (VP, Product Development)
Visa provides a broad array of tools, services, and resources to help developers create seamless, multi-channel payment solutions.

If you're not attending FinDEVr, see the Visa Developers blog for technical articles on some of the new Visa technology showcased at the event, including two recent articles: Getting Started with Visa Checkout and Getting Started with the Visa Checkout SDK for Android.

Twitter: @VisaDeveloper
This post is part of our live coverage of FinDEVr San Francisco 2014.

Avoka presented its platform that eases and accelerates customer onboarding.

Omni-Channel & Social Account Opening in 60 Seconds

Avoka will demonstrate omni-channel account opening through our engagement platform demonstrating:
  • Responsive & adaptive design
  • Cross-over between channels
  • Pre-fill from social profiles
  • ElectID verification
  • Separation of information capture from core systems to facilitate early cross-sell
Presenters: Derek Corcoran (Chief Experience Officer) & Howard Treisman (CTO)
Avoka is a leading customer experience management company specializing in multi-channel customer transactions. Avoka powers customer engagement applications for banking and insurance organizations worldwide, capturing and delivering business-critical transactions into back-office systems.

Twitter: @avokatech
This post is part of our live coverage of FinDEVr San Francisco 2014.

Xero showed off its open platform for developers:

Xero highlighted its 300+ integrated applications. It laid out some benefits of integrating with Xero:

    1. Add non-core features
    2. Increase product utility
    3. Give time back to your customers
Presenter: David Pollock, Head of US Partnerships

Xero is a beautiful, easy-to-use online accounting software for small businesses and their advisors. The company has over 300,000 paying customers in more than 100 countries around the world. Xero ranks No. 1 by Forbes as the World's Most Innovative Growth Company.

Twitter: @Xero
This post is part of our live coverage of FinDEVr San Francisco 2014.

InComm showed how its Cashtie API can enable customers to pay their bills using cash:

Cashtie API - Rails for Cash Payments
Cashtie is an API that enables cash payments for bill pay, funding an account and money transfer at InComm's retail network. The Cashtie API connects to a transaction-processing platform and is the rails for cash payments from its partners.

Presenter: Thomas Cornelius, President Adility/Cashtie, InComm, and SVP, InStore Solutions
InComm is the leading provider of prepaid and transaction technologies with 400,000 points of distribution, nearly $30 billion annual transaction volume and reaching over 1 billion customers weekly.

Website: | 
Twitter: @cashtieapi | @incomm
This post is part of our live coverage of FinDEVr 2014 San Francisco.

Financial Apps showed how its technology helps developers make the most out of financial data.

Driving the Data to Action

Detailed financial data is the "Big Data" we all want to work with. In this presentation, Financial Apps is showing how its Platform and Relevancy Engine enables developers to access, consume, and integrate consumer financial data within their solutions.

Presenters: Bob Sullivan (President) & Bill Kennedy (Chief Scientist)
Financial Apps provides a suite of development tools and API access for financial account and transactional data. Our solutions help to quickly build the next generation FinApp. The Financial Apps Relevancy Engine helps make data actionable, providing a comprehensive solution for Fintech development.

Twitter: @financial_apps
This post is part of our live coverage of FinDEVr San Francisco 2014.

Forte Payment Systems presented its RESTful APIs to help developers add payments to their apps.

Professional Payments Made Easy: Developer to Developer

Enable payments into your application with Forte's full range of enterprise-class services. Our modern and professional RESTful APIs have been implemented to simplify integrations, yet keep power and flexibility for developers to build massively scalable and distributed payment-enabled solutions.

Presenter: Jeff Thorness (CEO, Founder & President)
Forte Payment Systems empowers developers to build secure and innovative electronic payment solutions for all platforms whether online, at a physical POS or on the road. Able to provide the modern, robust, and powerful options that large companies demand, along with the ease of use, simplicity, and affordability for the smallest of operations, Forte redefines the notion of flexibility and scalability.

Twitter: @fortepayments
This post is part of our live coverage of FinDEVr San Francisco 2014.

Yodlee announced its new Geolocation API and showed how developers can benefit from its entire library of Interactive APIs:

Demystifying the Yodlee Data

What is the Yodlee platform and what value do the Yodlee Interactive APIs open up to developers? What are the use cases and killer solutions built with the APIs, and what data does it enable? What is coming next for developers? We'll cover categorization, wealth, and future enhancements.

Presenter: Joe Polverari (Chief Strategist & Dev. Officer, Yodlee; and Founder & GM, Yodlee Interactive) and Cheung Tam (Director API Product Management, Yodlee)
Yodlee Interactive is a driving force behind today's FinDat revolution with APIs that empower entrepreneurs, partners, and developers to power the latest digital financial innovations around the world. Yodlee Interactive APIs support independent and partner FinApps by providing authorized access to real-time data for customers' current bank, credit card, investment, and loan accounts, as well as bills, insurance, and rewards programs. Yodlee Interactive APIs are behind hundreds of today's coolest and most personalized digital experiences, including Credit Karma, LearnVest, miiCard, PowerWallet, SavvyMoney, SelfWealth, Xero, and Wave.

Twitter: @YIDeveloper 
Innovators from Avoka to Yodlee are taking the stage to practice their presentations here on rehearsal day at FinDEVr San Francisco 2014

And if you are a fan of fintech innovation, it's hard to imagine being in a better place over the next two days than at the Mission Bay Conference Center at UCSF for this first event for fintech developers.

After all, the fact of the matter is that when it comes to innovative financial technology, if they build it, there's a good chance they'll be here.
And we are hoping you will be too. We've got two days of presentations and demonstrations, workshops and dedicated, high-quality networking sessions - all geared toward helping the growing community of fintech developers do what they do best.

That means not just building the kinds of technologies that make commerce, investment, and saving easier, safer, and more efficient. It also means helping developers forge the kind of key relationships with industry professionals that will help plot the course of fintech innovation for years to come.

So with that in mind, here are a few last minute details to help you make the most of your FinDEVr experience this week.

1675 Owens Street, Suite 251
San Francisco, California 94143-3008

Day One - Tuesday, September 30
Registration begins at 8:00am. Light Breakfast available until 9:00am.
Presentations begin at 9:00am.
Day One will feature a single-track schedule of presentations and networking opportunities.

Day Two - Wednesday, October 1
Registration begins at 8:00am. Light Breakfast available until 8:30am.
Workshops begin promptly at 8:30am.
Day Two will feature a multi-track schedule of workshops and presentations.

See a full agenda at our website, or via our mobile, social media app.

Of course, the best way to enjoy FinDEVr is to be here at the Mission Bay Conference Center in person. Tickets are still available  for one or both days of the event. Register today to save your spot.

And once you've registered, download our Bizzabo app, login with your registration e-mail and you're ready to go.

If you can't make it to the conference, then you can follow the action on our Live Blog at, and on our Twitter feed @FinDEVr. If you're interested in joining the conversation, be sure to use #FinDEVr.

Email us at

Alumni News-- September 29, 2014

  • and Wallaby launch the WalletUp mobile app to help consumers maximize credit card rewards.
  • LendingRobot will now manage up to $10,000 for free.
  • Billhighway debuts at #1 on Detroit Free Press Top Workplaces List in Small Business category.
  • miiCard participates in NSTIC Pilot for State of North Carolina eID Program.
  • Birdback brings card-linked offers to US and Brazil.
  • Smart Tuition and peerTransfer partner to help International tuition payers.
This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.
We'll be kicking off the first FinDEVr conference on Tuesday, September 30. There you'll meet the developers and builders behind fintech companies such as Yodlee and Visa, and have the opportunity to code with them and others during several workshop sessions.

Haven't got your ticket yet? There's still time to pick yours up.

Here are some last minute details to help you prepare:

We'll be meeting up at the UCSF Mission Bay Conference Center:

UCSF Mission Bay Conference Center
1675 Owens Street Suite 251
San Francisco, CA 94143-3008


Day One
On Tuesday, September 30, registration begins at 8AM and we'll serve a light breakfast until 9AM, at which point the presentations will begin. We'll have a single-track schedule featuring presentations and intermittent networking sessions.

Day Two
On Wednesday, October 1, registration and a light breakfast will run from 8AM to 8:30 AM, and the first workshop will begin at 8:30AM. We'll have workshops throughout the day, running alongside separate presentation sessions in the afternoon.

For a detailed view of the agenda, check out our website or download the mobile app.

Don't forget

    • Remember to pack plenty of business cards and wear comfortable shoes
    • Download the Bizzabo app before the show to get a glimpse of who you'll be rubbing elbows with
    • Contribute to the conversation on Twitter using #FinDEVr, and follow @FinDEVr to stay updated on news about the companies on stage 
    • Check out the blog ( to watch the live coverage of each company's presentation
    • If you have any last minute issues or questions, please email and our team will be happy to help. We can't wait to see you all in San Francisco!

Ahead of the FinDEVr conference next Tuesday and Wednesday, 50 companies will make their way to the UCSF Mission Bay Conference Center in San Francisco.

While 14 of the companies are local to the bay area, others will travel from all over the U.S. and even the globe to present their APIs, SDKs, and other tools at the first ever FinDEVr conference.

Here's what the spread looks like (click to enlarge):


Still don't have your ticket to FinDEVr? There's still time to pick one up before the show next week.

If you're already registered, be sure to join the community of other developers on the Bizzabo app. Just download Bizzabo from the app store and search "FinDEVr".


See you in San Francisco!


Bringing Big Data to bear to help companies market to small and medium-sized businesses, Radius announced this week that it had raised $54.7 million in funding in its Series C round. The infusion of capital takes the San Francisco-based company's total financing to more than $80 million.

The Series C was led by Founders Fund, and included participation from a host of new and existing investors:

  • BlueRun Ventures
  • Formation 8
  • Glynn Capital Management
  • Slow Ventures
  • Western Technology Investment
  • Yuan Capital
Also involved in the round were individual investors John Mack (chairman, Morgan Stanley), Charles Songhurst (former Microsoft corporate vice-president), and actor/musician Jared Leto.
The funding will go toward on boarding additional engineering, data science, and marketing talent, as well as helping support the company's plans to expand globally.

Radius CEO Darian Shirazi points to having a "core competency" in data science as a key differentiator between his company and its competitors, calling it "the only way to build great marketing intelligence". A software engineer at Facebook at the age of 17, Shirazi's approach marries proprietary data and public information to provide exacting "confidence scores" that help show which prospects are most likely to turn into actual sales. 

In real-time, Radius tracks 40 million businesses with 50 billion data points. And by providing the software with feedback on ROI and sales that actually close, the technology becomes more accurate and intelligent.

Radius demoed its technology as part of FinovateSpring 2014 in San Jose. See a video of the company in action.

In the calm between the FinovateFall and FinDEVr conference storms, we've received news of three recent fundings from Finovate alums. Along with BillGuard and Bionym, one more Finovate alum announced funding this week. 

Taulia, a company that provides e-invoicing services and other supplier services, such as financing, added $13 million to its round of Series D funding. New investors in the San Francisco-based company include EDBI (Singapore-based Economic Development Board) and BBVA Ventures.

Taulia has raised a total of almost $76 million since its 2009 launch. Previous funding includes:

  • Amount: $6 million/ Undisclosed
  • Closed: Unknown
  • Investor: Trinity Ventures
Series A
    • Amount: $3.2 million
    • Closed: December 6, 2010
    • Investors: Trinity Ventures, Matrix Partners, and David Wu
Series B 
    • Amount: $8.5 million
    • Closed: July 1, 2011
    • Investors: Trinity Ventures Matrix Partners DAG Ventures
Series C
    • Amount: $18 million
    • Closed: August 23, 2013
    • Investors: TELUS Ventures, Matrix Partners, Trinity Ventures, DAG Ventures, Lakestar
Series D
    • Amount: $27 million
    • Closed: July 22, 2014
    • Investors: SEB Private Equity, DAG Ventures, Lakestar, Matrix Partners, Trinity Ventures, QuestMark Partners
The new $13 million installment is the second part of its Series D round, bringing the total Series D round to $40 million. 

According to TechCrunch, Taulia will use the new funding to continue expansion into new markets.

Taulia demonstrated at FinovateSpring 2012, where it debuted its Early Payment Network.

It was another stellar week in fintech fundings, simultaneously providing ammunition to those that think that private investments have peaked, while proving that it has not. The total included 2 Finovate alums: Bionym, which picked up $14 million and is scheduled to speak at FinDEVr next week and Taulia ($13 mil). Overall, the week saw 17 companies rack up a total of $242 million. 

For the month of September, a total of $770 million went into the sector (or about $600 million if you don't classify Radius ($55 million) or Strategic Funding Source ($110 million) as fintech companies). That's a $10 billion annual run rate. 

Data analytics (broader than just fintech, but has significant financial focus)
Latest round: $54.7 million
Total raised: $79 milliion
Tags: Big data, marketing, analytics, San Francisco, Finovate alum
Source: Crunchbase

Chinese mobile financial app developer
Latest round: $50 million
Total raised: $60 million
Tags: Mobile, China
Source: Crunchbase

Mobile SMB invoicing technology
Latest round: $35 million
Total raised: $35 million
Tags: SMB, mobile, accounting, invoicing, Sydney, Australia
Source: Crunchbase

German B2B payments provider
Latest round: $15 million
Total raised: 
Tags: B2B, payments, Germany
Source: Crunchbase

Healthcare payments network
Latest round: $15 million
Total raised: $77 million
Tags: Payments, healthcare, insurance, Philadelphia, Pennsylvania
Source: FT Partners

Bionym (meet them at FinDEVR Oct 1)
Biometric authentication technology
Latest round: $14 million
Total raised: $15.4 million
Tags: Security, biometrics, authentication, Toronto, Canada
Source: Crunchbase

Brazilian mobile financial services and prepaid card
Latest round: $14 million
Total raised: $14 million
Tags: Mobile, PFM, prepaid card, MasterCard, Sao Paulo, Brazil
Source: Crunchbase

Cloud-based invoicing and payments for enterprises
Latest round: $13 million
Total raised: $76 million
Tags: Accounting, invoices, billpay, receivables, Finovate alum
Source: Crunchbase

Zero-commission stock trading
Latest round: $13 million
Total raised: $16 million
Tags: Investing, stocks, trading, Redwood City, California
Source: Crunchbase

Budgeting and forecasting software for SMBs
Latest round: $9.5 million
Total raised: $9.5 million
Tags: SMB, accounting, receivables, Natick, Massachusetts
Source: FT Partners

Malaysian personal finance services comparison site
Latest round: $4 million
Total raised: $6.5 million
Tags: personal finance, Malaysia
Source: Crunchbase

SMB supply-chain financing
Latest round: $2 million
Total raised: $2 million
Tags: Crowdfunding, working capital, SMB, P2P, lending, New York
Source: Crunchbase

OmnyPay (unknown URL)
Stealth payment startup
Latest round: $1.5 million
Total raised: $1.5 million
Tags: Payments, San Francisco, California
Source: Crunchbase

French mobile POS provider
Latest round: $1.2 million
Total raised: $1.8 million
Tags: mobile, payments, SMB, POS, Paris, France
Source: FT Partners

Real estate crowdfunding
Latest round: $800,000
Total raised: $1.5 million
Tags: P2P, lending, credit, real estate, mortgage, Portland, Oregon
Source: Crunchbase

Mobile POS technology
Latest round: Undisclosed
Total raised: Unknown
Source: Crunchbase

Medical Payment Exchange (URL unknown)
Healthcare payments management for the enterprise
Latest round: Undisclosed
Total raised: Undisclosed
Tags: Healthcare, payments, insurance, Cleveland, Ohio
Source: FT Partners

In a round led by Ignition Partners and Relay Ventures, Toronto-based authentication specialist, Bionym has brought in $14 million in new funding

Bionym is the maker of the Nymi, a wearable authentication solution that uses an individual's cardiac rhythm to provide a unique identifier that makes pass codes and PINs passé.

The Series A funding comes just days before Bionym is scheduled to demonstrate the Nymi - and the technology behind it - at FinDEVr, the first event for fintech developers, in San Francisco.
Karl Martin, Bionym CEO, said that the new funding will help the company meet "manufacturing milestones" as well as help add talent to the team. Quoted in Reuters, Ignition Partners managing partner, Nick Sturiale pointed to commitments from a broad range of third-party app developers as key in helping Bionym grow the number of use cases for its wearable authentication solution.

Also participating in the round were Export Development Canada (EDC), MasterCard, and the corporate investment arm of, Salesforce Ventures. Bionym's total capital now stands at $15.4 million.

Bionym's Nymi is an example of how innovators are looking at new ways to both make the authentication process seamless as well as take advantage of the trend toward wearables. Founded in 2011, Bionym just announced its 40th employee, and a move into new offices in downtown Toronto.

Meet the team from Bionym next week at FinDEVr. Tickets to the two-day event are available here.

FinDEVr Preview: Who's Who on Day Two


There will be a lot going on over the course of the two day FinDEVr conference in San Francisco next Tuesday and Wednesday. You can still pick up your ticket here.

Each of the companies below will have 6 minutes on stage to show off what their tools are all about:

PayStand, an online payment solution that offers zero transaction fees

Presentation: Comparing the Strengths and Weaknesses of Different Payment Types
Card Networks (Visa/MasterCard/Amex), eCheck (ACH/Bank Network/Check21), and Digital Currency (Bitcoin/Ripple/Altcoins) all have unique advantages and disadvantages. Explore the different use cases of why each are valuable and learn how to use PayStand's unique multi-payment network technology to build the next generation of commerce applications.

Why it's great for developers:
    • Payments as a service
    • Enables merchants to accept eCash, eCheck, and credit card payments
    • Allows for no transaction fees
PayStand is an online payment solution that enables organizations to accept credit cards, eChecks, and digital currency without transaction fees.

Plaid, an API that powers fintech applications

Presentation: Plaid: API for Financial Infrastructure
Learn all about Plaid, the problems we're solving, and the companies we power.

Why it's great for developers: 

    • Access detailed account and transaction data from financial institutions
    • Authorize accounts for ACH and Wire transfers in seconds
    • Verify account holder information
Plaid is an API for financial infrastructure - we give developers the tools they need to build applications that interface with banks.

Prudena is a subscription-based online community that provides value analysis to developers.

Presentation: Prudena: Automating Financial Statement Analysis
Charlie Strout founded Prudena when - after graduating from Columbia Business School - he decided performing fundamental equity analysis was too labor intensive. The presentation discusses how he was able to leverage existing APIs to develop Prudena's analysis tools and publish his own API.

Why it's great for developers: 

    • Allows you to reduce the time required to perform financial statement analysis
    • Better understand risk by running simulations
    • Aggregate your investments accounts
Prudena automates the process of performing high-quality financial statement analysis--saving investors time and improving their decision-making processes.

SecureKey Technologies delivers authentication solutions for online consumer services

Presentation: Moving Away from Passwords: The Future of Digital Identity
We are first exploring some of the traditional ways to secure online access. We will then look at a more innovative approach via device anchoring and dynamic authentication that will show the audience how to strongly and uniquely identify customers with a unified solution across devices.

Why it's great for developers: 

    • Every authentication event provides unique proof of their customer's identity
    • Simple access with a better, more secure user experience
    • Eliminates password frustration Connect can provide users with the opportunity to use simpler methods that are actually far stronger than passwords and better secured.

SekurMeLogo eliminates passwords by turning your phone into your digital identity. 

Presentation: Want to be secure? Eliminate passwords!
If you don't have a password, it cannot be stolen. See a live demo of a patented disruptive technology taking security to the next level, while making login safer and simpler. And see how it can be used to secure payments and reduce shopping cart abandonment for eCommerce and mCommerce.

Why it's great for developers: 

    • Eliminate passwords
    • Single-Click payments
    • Checkout and pay in 9 seconds
If you don't have a password, it cannot be stolen.

SimplyTapp provides host card emulation

Presentation: Host Card Emulation
Overview of SimplyTapp's HCE solution and offering.

Why it's great for developers: 

Host Card Emulation (HCE) is the presentation of a virtual and exact representation of a card using only software.

Tagcash, a digital payments and rewards company

Presentation: TAGCASH
The importance and benefits of a platform for both users and merchants that makes use of these key features: digital wallet usage, merchant payments integration, remittance capabilities, and built-in rewards program (which includes marketing modules and advertising).

Why it's great for developers: 

    • Digital Wallet Usage (including Remittance)
    • Rewards Program
    • Practical Advertising
Cash, Rewards, and Advertising can all be found on a single (yet multi-featured) and safe /secure platform.

The TxPUSH Initiative makes real time account events available to third party apps.

Presentation: Aggregation 2.0 - TxPUSH and the Evented Financial Web
TxPUSH technology is focused on aligning app user experience and FinTech industry players around the Evented Financial Web. The TxPUSH technology will improve the security model of the existing account aggregation ecosystem and promote the delivery of real-time financial transaction data to account holders in the apps they choose.

Why it's great for developers: 

    • Eliminate third party interactions with user credentials
    • Push real time transactions to your app
    • See the launch of TxPUSH and the Evented Financial Web
TxPUSH and the Evented Financial Web deliver the framework to build secure, event driven, real-time apps for the Evented Financial Web ecosystem.

Thinknum provides technology for financial analysts to host their financial data in the cloud.

Presentation: Thinknum: A Powerful Web Platform for Financial Analysis
Learn about Thinknum, the web platform that is changing the way that financial analysts work. Find out more about our unique data and technology that enhances the financial research process.

Why it's great for developers: 

    • Utilize unique web data to value companies
    • Leverage web technology to enhance the research process
    • Manage user generated content
Thinknum is changing the way that financial analysts work, enabling them to manage their own content while enhancing their research processes.

Trulioo a cyber identification company.

Presentation: Trulioo's Global Gateway
Demonstrating how Trulioo's Global Gateway verifies a consumer's identity within a single, unique portal. We will input a person's first name, last name, date of birth and address to show how Trulioo verifies these attributes from our 130+ data sources.

Why it's great for developers: 

    • Anti-Money Laundering and Know Your Customer compliant electronic ID Verification
    • Instant global address verification for ecommerce and P2P
    • Access over 3B identities
Global Gateway is the leading identity verification solution with the largest coverage in the market.

FinDEVr, the first event for fintech developers, is right around the corner. For the past few weeks we've introduced you to some of the innovators who will be presenting, demoing, and holding workshops on Day One.

Today, we're happy to help you get to know some of the companies that will be showcasing and sharing their APIs, SDKs and more on Day Two.

There's still time to save your spot. Pick up your tickets today and we'll see you in San Francisco next week!

BCL Technologies develops APIs for Financial Text Extraction that unlock Big Data in unstructured documents and websites, enabling FinTechDevelopers to easily extract structured Financial Triplets from any source.

Presentation: Unlocking Financial Text
Explore the different use cases for BCL's Financial Data Extraction APIs for unstructured text, to generate structured data Triplets.

Why it's Great for Developers:
Automated Financial Extraction APIs to extract Financial Triplets
  • More Quickly
  • More Accurately
  • Without Human Intervention
Unlock Financial Text fast and with high accuracy.

Toronto-based Bionym is a team of experts in cryptography, biometrics, and security. Our first product is the Nymi, a wearable device that enables the user to authenticate once via unique cardiac rhythm and securely and seamlessly assert Persistent Identity to any system.

Presentation: Here I Am: Revolutionizing FI and Banking Experiences with Persistent Identity and the Nymi
Balaji Gopalan is presenting the Nymi Persistent Identity vision and User flow and will review key aspects of the SDK and Developer offering. In addition, he will propose and inspire discussion on select use cases in FinTech where the Nymi can improve engagement, security, and customer satisfaction.

Why it's Great for Developers:
  • Increases both security and convenience
  • Enables the creation of new personalized experiences
  • Light, shallow yet robust API for all major OSes
The Nymi platform allows Users to be recognized and authenticated for service, workflows, or transactions simply by being present - completely safely and securely.

Blockchain is the world's most popular, web-based Bitcoin wallet and the most highly trafficked Bitcoin website. Blockchain is the defacto search engine for the Bitcoin community. Blockchain has over 2 million wallets and our footprint continues to grow quickly.

Presentation: Blockchain: The Core API for Bitcoin Development
Blockchain's API's power most of the Bitcoin companies in the ecosystem, Utilizing our APIs, you can start a Bitcoin business in minutes. From wallet creation to transaction verification, Blockchain's APIs have you covered.

Why it's Great for Developers:
  • Most popular Bitcoin API
  • Wallet Creation API
  • Transactions submitted with our API have fast network propagation time (3-5 seconds)
If you're wanting to build a Bitcoin product, Blockchain is the one stop shop API for your development needs.

CrowdCurity is a web security marketplace. We connect businesses with security testers. We do bug bounty programs-as-a-service. Bitcoin First.

Presentation: How to Invite Hackers to Your Website
Too many websites are being exploited, and we need to rethink web security. The best way to stay secure and ahead of the bad guys is to invite good, white-hat hackers to test your security. We have made it easy to connect businesses to a crowd of security researchers.

Why it's Great for Developers:
  • No bugs, no cost. Don't pay for expensive consultants.
  • Leverage the knowledge of the crowd
  • Agile security around the clock

Entersekt is an innovator in transaction authentication and mobile app security. Our one-of-akind approach to harness the power of electronic certificate technology with the convenience of mobile phones providing financial institutions and their customers with full protection from online and mobile banking fraud.

Presentation: Securing Mobile Applications Through Transport iLayer Diversity
Mobile security is becoming increasingly important as more functionality is shifting to these devices. But how do we ensure the integrity of the phone and the server we're connecting to? This is a common problem and has been addressed by recommending out-of-band authentication schemes.

Why it's Great for Developers:
  • Avoids the open Internet of SMS for user and transaction authentication
  • Provides end-to-end encrypted communication
  • Counters phishing, man-in-the-middle/browser attack
Harnessing the power of public key infrastructure, Transakt transforms almost any mobile phone into a powerful weapon in the fight against account takeover fraud.

Google Cloud Platform enables developers to build, test, and deploy applications on Google's highly scalable and reliable infrastructure. This suite of services allows developers to choose from computing, storage, and application services for web, mobile, and backend solutions.

Presentation: Big Data on Google
Google has been the most innovative Big Data company in the World, having paved the way for highly distributed parallelized workflows. Technologies like Hadoop, Flume, Dremel, and HBase were made possible by Google's research and development efforts. Now Google is outsourcing its own Big Data secret.

Why it's Great for Developers:
  • Seamlessly scale into petabytes of data and dozens of thousands of servers
  • Simplicity and ease of use
  • Performance
Google's BigQuery and Dataflow services are the next generation of Big Data tools, allowing you to focus on solving your Big Data problems rather than building systems.

GreenAddress IT is a leader in securing bit coins and providing instant clearing confirmations. It supports desktop, mobile, and web apps, and offers a very featureful and secure wallet as well as APIs to enable third party developers.

Presentation: GreenAddress: Instant and Secure Bitcoin
The presentation is introducing bit coin's multi signature features. These features allow users to radically improve the security of bitcoin wallets, as well as create new services like instant confirmation allowing for faster arbitration between exchanges.

Why it's Great for Developers:
  • Available for all platforms and easy to use
  • Instant confirmation for super smooth transactions
  • Vastly improved security model via multisig and two-factor authentication
GreenAddress' API gives 3rd parties the ability to securely manage and receive instant confirmations without having to wait for transactions.

Kiind helps businesses reward their employees and customers with gift cards., With Kiind, you can easily send personalized offers to multiple contacts, and Kiind's technology allows you to defer when you pay for rewards and gifts, thereby saving you money.

Presentation: Making Gifting Easy
We'll touch on Kiind's API and where it is headed as well as our marketplace

Why it's Great for Developers:
  • Measurable tracking and reporting
  • Branding
  • Offer a choice between gifts
Send measurable gifts and only pay for what is used. Kiind makes your gifting easy so you can focus on what you know best.

Knox Payments allows people to make ACH payments using only their online banking login information, providing the cheapest, safest, and easiest way to accept digital payments.

Presentation: ACH That Doesn't Suck: No Account and Routing Numbers Needed
Developing ACH processing the traditional way is horrible. Your users don't know their account and routing numbers and you don't know if they actually have the money. Knox has solved these problems with the ease of just logging into your online banking, making ACH cheaper, safer, and easier.

Why it's Great for Developers:
  • No account and routing numbers needed
  • No new accounts for your users
  • Guaranteed overnight funds for ACH
ACH sucks and credit cards are expensive: Knox fixes that without needing your users to create any new accounts.

MASSPAY is m-payments for every(f)one. If you know how to dial, you know how to pay. It's simple and convenient. You don't even need a smartphone with a data plan - you can use it with an NFC QR code. MASSPAY is the first solution dedicated to emerging and developed markets with minimum investment.

Presentation: Mobile Payments for Every(f)one
How to pay using a feature phone or a smartphone without any app. Why MASSPAY is a perfect solution for developed markets as well as emerging or developing countries. Why MASSPAY is for every phone and everyone.

Why it's Great for Developers:
With MASSPAY you can process:
  • Any transaction
  • From any phone (with or without application or data plan)
  • In a single easy scenario
If you know how to make a phone call, you know how to pay. With minimum of investment and maximum of simplicity and convenience, from any phone.

Morpheus Aiolos is a company based in Spain that has developed financial software since 2012. We have two featured products: an API to extract bank transactions and a clone of Mint, which uses the API.

Presentation: API for Banking
Our API standardizes the way an application can extract information form any bank account. We're describing how it works, with some examples.

Why it's Great for Developers:
  • First API that works in countries where there is not a standard for banking
  • Already tested in a production environment
  • 5,000 users in Spain
We can add banks to adapt the API to other countries in a matter of days

SAP Acquires Concur Ahead of FinDEVr Debut


In a deal valued at $8.3 billion, SAP has announced that it is acquiring Seattle-area fintech innovator - and FinDEVr presenter - Concur Technologies.

There are still "i's" to be dotted and "t's" to be crossed: the acquisition is subject to both approval from shareholders and regulators. But assuming all goes well on those fronts, the deal is expected to close by the end of 2014 or, at the latest, in the first quarter of 2015.

Quoted in the Seattle Times, Concur CEO Steve Singh said, "We have always been focused on making solutions for real customer problems and with SAP we have a great opportunity to advance that mission."

The board of directors for Concur was unanimous in supporting the sale of the company, for which SAP paid $129 per share. The purchase price reflected a 20% premium on Concur's stock price at the time.

Concur boasts more than 25,000 clients and 25 million users who take advantage of its business and travel expense management technology. Combined with SAP, it is estimated that the new entity will have in excess of 50 million cloud customers and rank as the #2 cloud company in the world by revenue.

Said Singh, "We are constantly seeking innovative ways to deliver the best customer experience, and we're exciting about leveraging SAP technology."

Founded in 1993, Concur is a presenting sponsor of FinDEVr San Francisco 2014, the first fintech event for developers. More information about FinDEVr is available here.
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