Finovate - Conferences Showcasing the Future of Financial & Banking Technology
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This post is part of our live coverage of FinovateFall 2014.

Misys launches FusionBanking:

"We provide innovative best-in-class digital banking technology for financial institutions. Our solutions focus on adding value, driving new sales and building customer advocacy. By using the most innovative techniques including gamification, geo-location and social media integration you can exceed the expectations of your customers today and in the future."

Presenting: József Nyíri, Director, Innovation & Digital Channels LABS, Tamás Grünzweig, VP & Head of Innovation, Digital Channels LABS, and Viktor Balint, Head of Customer Insight & Evangelisation, Digital
Product Launch: November 2014
Product distribution strategy: Through financial institutions

HQ: New York, NY
Founded: 1979
Twitter: @MisysFS
This post is part of our live coverage of FinovateFall 2014

Our next presenter is WorkFusion, demoing their Active-Learning Automation solution.

Finding opportunities to automate is hard, building algorithms is harder, and maintaining effective automation is hardest. WorkFusion solves these problems by actively tracking human work for patterns and training algorithms to follow them. When data sources or formats change, the platform reengages human workers to retrain algorithms, delivering adaptable, unbreakable automation.

Presenting: Max Yankelevich (CEO) & Adam Devine (VP Product Marketing)
Product Launch: September 2014
Metrics: Seven of the top 10 financial data providers use WorkFusion to build and refresh data products, leading FIs use WorkFusion for high-volume data work, $23M raised in total (Mohr Davidow: $15M series B in February 2014, iNovia: $5M series A, Greycroft and RTP Ventures: $2.3M seed), 68 employees, NYC HQ, GigaOm's #1 rated crowd management platform, on American Banker's Top 10 FinTech Companies to Watch, SIIA CODiE nominee in 2 categories.
Product distribution strategy: Direct to Business (B2B)

HQ: New York, NY
Founded: June 2010
Twitter: @crowdcomputing1
This post is part of our live coverage of FinovateFall 2014.

iBillionaire showed off its platform that democratizes Wall Street

"The iBillionaire app was born out of a mission to democratize Wall Street by providing users access to the investment strategies and financial data of those who have, historically, played the market best: billionaires. 

iBillionaire provides access to billionaire investment portfolios, strategies, and stock picks and is a source of unique and exclusive data on trading activity and investment trends. It sends real-time alerts of buys, sells, and prices and is a source of up-to-the-moment billionaire news. 

With iBillionaire, users can create their own portfolios and compare with billionaires. They can also access the iBillionaire Index, which tracks the 30 stocks in which billionaire investors have allocated the most funds."

Presenting: Raul Moreno, CEO & Co-Founder and Emily Stewart, Head of Communications & Content Strategy
Product Launch: April 2013
Metrics: With a mobile community of over 150,000 investors, offices in Buenos Aires and New York, and covered by media outlets like Bloomberg, CNBC, and Fox Business, the iBillionaire Index has outperformed the S&P 500 since inception.
Product distribution strategy: Direct to Consumer (B2C), through financial institutions, through other fintech companies and platforms

HQ: New York, NY 
Founded: April 2013
Product Demoed: iBillionaire
Twitter: @ibillionaire
This post is part of our live coverage of FinovateFall 2014.

VerifyValid is our next presenter. VerifyValid's eChecks allow users to make check payments to anyone from anyplace they have access to the Internet.

"The VerifyValid Mobile Checkbook is the first ever general purpose checkbook for the smartphone, allowing users to write, approve, send, and deposit check payments from their iPhone. Now, VerifyValid has created a consumer-focused mobile app that replaces transaction fees with sponsored content. Users are able to send and receive checks at now charge while advertisers can speak directly to consumers at the moment that they write or receive a check payment."

Presenting: Paul Doyle (CEO & Founder)
Product Launch: October 2014
Metrics: More than 50,000 users of the system (including payees) and more than $400M in transaction value to date
Product distribution strategy: Direct to Consumer (B2C), Direct to Business (B2B), through financial institutions, through other fintech companies and platforms

HQ: Grand Rapids, MI
Founded: 2011
Twitter: @verifyvalid
This post is part of our live coverage of FinovateFall 2014.

As we approach the halfway mark of our first session of the afternoon, here comes the FlexScore team to the stage, demoing FlexScore Mobile.

"FlexScore is now available in a mobile version, allowing users to take FlexScore with them wherever they go. FlexScore maintains its core features - the scoring engine, the Action Steps, the Peer Ranking feature - while empowering the user further through our new pocket-sized, accessible format. Just as with our desktop version, the user interface is spacious, simple, and easy to understand, all while retaining the full power of automated financial advice."

Presenting: Jason Gordo (CEO) & Jeff Burrow (COO & President)
Product Launch: September 2014
Metrics: $2.5M raised to date, 7 employees
Product distribution strategy: Direct to Consumer (B2C), Direct to Business (B2B), through financial institutions

HQ: San Francisco, CA
Founded: April 2012
Twitter: @flexscore
This post is part of our live coverage of FinovateFall 2014.

The team from P2Binvestor is making its way to the stage next. The company is a peer-to-business (P2B) crowdlending platform that provides better lending options to growing businesses and new investment vehicles for accredited and institutional investors.

"P2Bi is demoing a new borrower dashboard and application process that integrate with QuickBooks Online and streamline the borrower's path from application to funding. The new functionality allows borrowers to automatically sync financials with their application, sync recurring financial data needed for underwriting and ongoing account analysis and submit invoices for funding. P2Bi is also demoing new underwriting functionality that creates efficiencies for underwriting and account management processes."

Presenting: Gabriella Krista Morgan (President & Co-Founder) & Clay McIlrath (CTO)
Product Launch: TBD
Metrics: Money raised to date: $2M; employees: 13, users: 182 crowd investors and 15 clients; investor earnings range from 7-15%, lending portfolio: $7M, invoices purchased: $13M
Product distribution strategy: Direct to Business (B2B), partners, referrals, digital marketing

HQ: Denver, CO
Founded: February 2012
Twitter: @p2binvestor
This post is part of our live coverage of FinovateFall 2014.

Our next presenter is debt market clearinghouse, Global Debt Registry. Global Debt Registry provides the definitive independent source of debt ownership information.

"Global Debt Registry's client application empowers banks and debt buyers with a revolutionary suite of cutting edge controls that support the sale or placement of distressed consumer receivables. Debt owners can download account reports and request legal affidavits to demonstrate proof of ownership. Members have access to a customizable dashboard to analyze, track, and control relevant delinquent accounts. Our consumer application is the first-ever consumer resource empowering consumers to access account information and ownership history to avoid fraud, costly errors, and cases of mistaken identity by independently validating claims from a debt collector."

Presenting: Todd Veale (Chief Marketing & Product Officer) & Charlie Moore (Chief Commercial Officer)
Product Launch: September 2014
Metrics: 10-20 employees, 45 Financial Institutions Members with 250,000+ consumer accounts registered to date
Product distribution strategy: Direct to Consumer (B2C), Direct to Business (B2B), through financial institutions, through other fintech companies and platforms

HQ: Wilmington, DE
Founded: 2009
This post is part of our live coverage of FinovateFall 2014.

Our second presenter here in the afternoon session is BizEquity,demoing the New BizEquity One Valuation Cloud to help business owners and financial advisors discover the value of a business:

"The New BizEquity One:

1. Real time dynamic valuation updated daily
Real time dynamic valuation updated daily from our smart algorithm & multiple data sources for greater accuracy & client engagement rate.

2. Pre-valued valuations on 28 million businesses. Zillow-esque feature on the homepage.
Powerful search capability on 28 million businesses to get a sense of how the business is doing & what it is worth.

3. Intelligent Advisor
Useful advice and alerts about the business is streamed in real-time as user goes through the valuation process.

4. Updated dashboard with info graphic-like view of each business' value & key performance indicators.

An easy bird's eye view of business, simple to grasp for the average business owner."

Presenting: Michael Carter (CEO) & Semyon Fishman (VP Engineering & Technology)
Product Launch: September 2014
Metrics: We have had more than 50,000 users come to use our system and have gone live with over twelve private label channel partners to date. With 60 patents filed and over 7 million invested into building the system, we have also recently been granted two seminal patents in the online business-valuation space.
Product distribution strategy: Direct to Consumer (B2C), Direct to Business (B2B), through financial institutions, through other fintech companies and platforms, licensed

HQ: Wayne, PA
Founded: May 2010
Twitter: @BizEquity
This post is part of our live coverage of FinovateFall 2014.

With the first afternoon session on the first day of FinovateFall 2014 about to begin, here are Zenmonics & Diebold. Together they are launching mobileBANKER with Enhanced In-Lobby Terminal.

"The solution pioneers a self-service terminal platform for financial institutions that combines advanced teller transactions with a tablet-based application for effective guided sales, cross selling, servicing, and account opening features."

Presenting: David Dye (VP Sales, Zenmonics), Shelly Ewing (Director, New Business & Solution Incubation, Diebold)
Product Launch: September 2014
Metrics: Zenmonics is a privately held company; Diebold is a public company with 7,000 employees serving 600 locations
Product distribution strategy: Direct to Business (B2B), through other fintech companies and advice centers

HQ: Charlotte, NC (Zenmonics), Canton, OH (Diebold)
Founded: 2007 (Zenmonics), 1859 (Diebold)
This post is a part of our live coverage of FinovateFall 2014

Then, MoneyDesktop announced it is becoming MX, and launching two new products, Helios and WideNet:

"MX uses WideNet Technology to expand your market reach by making your apps available to be used by anyone. 

Helios, the new full-feature cross-platform digital banking app is deployable on any device, from any brand. The cohesive product integrates the best financial management and mobile and online banking features all in one app. The app is powered by a single source of native code, making it more robust, responsive and engaging than the typical HTML5 approach to providing a cross-platform product."

Presenting: Ryan Caldwell (CEO) & Matt West (Vice President, Sales)
HQ: Provo, Utah
Founded: 2010
Twitter: @moneydesktop, @mxenabled
This post is part of our live coverage of FinovateFall 2014.

Our next presenter is Digital Mailer with My Virtual StrongBox

"My Virtual StrongBox was created by a team of technology innovators with more than 175 combined years of finance industry experience. This product combines the peace of mind of a safe deposit box with the convenience of online storage services. More importantly, your customers can trust that their files will be backed up and safe from prying eyes."

Presenting: Ron Daly (CEO) & Samantha Thrift (Sales Associate)
Product Launch: May 2012
Metrics: Available to 1.4M customers and members, available at 16 financial institutions nationwide with over $20B in assets
Product distribution strategy: Through financial institutions, through other fintech companies and platforms, licensed

HQ: Herndon, VA
Founded: May 2012
Twitter: @MyVirtualStrong
iQuantifi Logo DePalma d4
This post is part of our live coverage of FinovateFall 2014.

Moving into the second half of our morning session, here is the team from iQuantifi, demoing the "Cashfinder" and "What if" features of its virtual financial advisor solution.

"iQuantifi is introducing two new features to make it even easier for users to create their own financial plan and achieve their goals. When a user does not have enough money to fund all their goals, our "Cashfinder" analyzes their budget and recommends which expenses a user can reduce to cover the monthly shortage. Our "What If" feature allows users to adjust their goals to see the immediate impact on their financial plan. By comparing two different paths to goal achievement, a user can determine which plan best fits their lifestyle.

Presenting: Tom White (CEO & Founder) & Karen White (CPO & Co-Founder)
Product Launch: September 2014
Metrics: Raised $1.1M to date; 7 employees; over 25% of site traffic converted to users
Product distribution strategy: Direct to Consumer (B2C), through financial institutions, through other fintech companies and platforms

HQ: Nashville, TN
Founded: June 2011
Twitter: @iquantifi
This post is part of our live coverage of FinovateFall 2014.

Luxoft demonstrated how it brings visualization into the decision-making process:

"In our big data world it is the critical data that gives the competitive advantage. Luxoft's Horizon creates a "Visualization Layer" on top of your data marts to provide visual simplicity and supports more informed, timely, and strategic decision making. The framework provides a system that allows you to mine your data with macro and micro perspectives that range from overviews to exact client performance and risk measurements by business line. 

Horizon is a next generation Visualization Framework, providing an innovative and graphically rich User Interface: app-based approach, high performance, secure, 100% mobile (accessible from any device: iPad, iPhone, Android etc.), and highly customizable."

Presenting: Przemek Berendt, VP Global Marketing and Fabrice Aresu, Head of Business Support Group
Product Launch: 2013
Metrics: 7,800+ employees, 21 offices, 16 delivery centers, 13 countries in North America, Western and Eastern Europe, and Asia Pacific, 130+ clients, with top clients among the Global Fortune 500, $398.3M FY14
Product distribution strategy: Direct to Business (B2B), licensed 

HQ: Zug, Switzerland
Founded: 2000
Twitter: @Luxoft
This post is part of our live coverage of FinovateFall 2014.

Dynamics demoing the world's first multi-network card that allows consumers to select different networks.

"The new cards from Dynamics help reduce interchange for high value merchants and improve security for consumers. The technology's dynamic security codes are effective for reducing fraud on EMV cards in international transactions."

Presenting: Jeff Mullen, CEO
HQ: Pittsburgh, PA
Founded: November 2007
Twitter: @dynamicsinc
This post is part of our live coverage of FinovateFall 2014

Our next presenter is eMoney Advisor, demoing EMX.

"Smarter, faster, friendly, and easier to use, EMX is the next generation of the eMoney Advisor experience. While we've always led the pack in financial planning, we've stepped up our game, creating a platform for an unparalleled interactive experience for advisors and their clients, improving efficiency with new integrations and better connections. And with robust analytics and a more intuitive interface, EMX empowers our advisors to maximize the potential of their book of business. Learning from over 14 years of experience and feedback from more than 20,000 advisors, with EMX, we've built the ultimate wealth-management solution that will redefine success in an advisor's business."

Presenting: Kyle Wharton (Business Development) & Chad Porche (Development)
Product Launch: October 2014
Metrics: eMoney aggregates more than $1T in client assets over 878,243 accounts, managed by a network of more than 20,000 financial services professionals across the country.
Product distribution strategy: Direct to Business (B2B), through financial institutions, licensed

HQ: Conshohocken, PA
Founded: 2000
Twitter: @emoneyadvisor
This post is part of our live coverage of FinovateFall 2014.

Continuing in our second session of the morning, here is GREMLN, showcasing the latest enhancements to its social media management platform for the financial services industry.

"GREMLN is demonstrating its latest social media compliance features. Pre-approved Content Libraries enable firms to provide great content to their teams that can circumvent the message approval process. LinkedIn Lead Prospecting enables financial advisors and other employees to find new clients via LinkedIn. And finally, GREMLN is launching a new mobile platform that enables marketing and compliance departments to stay engaged in social media and handle approval processes right from their phone or tablet."

Presenting: Ryan Bell (CEO) & TJ Tavares (Sr. Sales Executive)
Product Launch: January 2013 (showing new features)
Metrics: 12 employees; 165, 000 users
Product distribution strategy: Direct to Business (B2B)

HQ: Saint Louis, MO
Founded: February 2009
Twitter: @GREMLN
This post is part of our live coverage of FinovateFall 2014.

PayItSimple debuted its solution that gives consumers increased purchasing options while increasing sales for merchants:

"PayItSimple enables shoppers to divide the total cost of their purchases charged on their existing credit card across as many months as they choose and the merchant offers. Customers do not incur any fees or interest charges. There is no need to complete a credit application or qualify for a new credit line. There is no fine print or hidden costs."

Presenting: Alon Feit, CFO & Co-Founder and Stacy Fassberg, All Things Marketing or VP, Marketing
Product Launch: June 2014
Metrics: 12 employees, $4.3M raised to date from private seed investors
Product distribution strategy: Via existing channels for credit card acquiring, Acquirers, ISOs, Gateways, Direct Business to Business (B2B), mainly to big enterprises

HQ: New York, NY
Founded: August 2013
Twitter: @payitsimple
This post is part of our live coverage of FinovateFall 2014.

Fiserv demonstrated how it is helping banks communicate with their customers:

"Fiserv is demonstrating what next generation customer-to-bank interactions will look like, particularly in a mobile-first world. The 'App of the Future' innovation based on the Mobiliti™ platform assembles three distinct consumer interaction methods - Live Chat, Secure Mailbox & Messaging,  and Click-to-Call - and makes them contextual (i.e. providing context information to the representative of the bank as part of the interaction). All inside the mobile banking application. 

This innovation has a number of benefits to consumers and financial institutions, including: increased efficiencies of interactions, more secure than various existing authentication methods, and portrays the banks' brand as helpful, modern, and compelling."

Presenting: Andy Barnett, Sr. Technical Sales Consultant, Mimi Joy, Mobile Account Specialist, and David Carr, Innovations Manager
Product Launch: September 2014
Metrics: $4.81B revenue in 2013, 21,000 associates worldwide, 14,500 financial institutions and business clients worldwide
Product distribution strategy: Direct to Business (B2B), through financial institutions

HQ: Brookfield, WI
Founded: July 1984
Twitter: @Fiserv
This post is part of our live coverage of FinovateFall 2014.

HedgeCoVest showed how Replicazor can boost hedge fund performance:

"HedgeCoVest is an investment tool allowing you to mirror hedge fund investments in your own brokerage account. Using HedgeCoVest, you can research hedge funds, their risk/return profile, management team and more. Then, when you find a fund to mirror, you can allocate with the click of a button. 

Our proprietary trading technology, the Replicazor, sees hedge fund portfolios and duplicates them in your account in real time. Anytime your chosen fund makes a trade, the Replicazor will make a corresponding trade for you within milliseconds. No guesswork, no investing based on outdated reports. One-to-one tracking of real hedge funds."

Presenting: Evan Rapoport, CEO and Aaron Wormus, CTO
Product Launch: September 2014
Metrics: 12 employees, $900,000 raised
Product distribution strategy: Direct to Consumer (B2C), Direct to Business (B2B), through financial institutions, through other fintech companies and platforms, licensed

HQ: West Palm Beach, FL
Founded: April 2013
Twitter: @hedgecovest
This post is part of our live coverage of FinovateFall 2014.

All the way from the United Kingdom, here's wealth management and financial advisory innovator, True Potential. 

"ImpulseSave is our most significant innovation to date. This first-of-its-kind technology, unique to True Potential, allows clients to make micro payments into their investments whenever and wherever they choose. With the touch of a button, clients can top up any investment vehicle that isn't housed within a bank. They can add as little as 1 pound or as much as need to keep their investments on track or to reach their financial goals faster. Until now, if people had 20 pounds or less to spare, they would be unlikely to invest it due to the effort it would take to do so. But now, it's fast and easy and we are demonstrating how, using our technology, it all adds up for a better future.

Presenting: Daniel Harrison (Sr. Partner) & Paul Outterside (Head of Mobile Applications)
Product Launch: March 2014
Metrics: For complete information about the True Potential Group of Companies, please read our latest "True Colours' 2013 Annual Report at
Product distribution strategy: Direct to Consumer (B2C), Direct to Business (B2B)

HQ: Newcastle upon Tyne, UK
Founded: March 2007
Twitter: @TruePotential_
This post is part of our live coverage of FinovateFall 2014.

MasterCard is our next presenting company, introducing MasterCard Pay with Rewards.

"MasterCard Pay with Rewards is an innovative solution that gives cardholders the freedom to redeem rewards points at the point of sale, either online or in stores. Cardholders configure Pay with Rewards on their existing card to redeem points at millions of eligible locations worldwide. While providing the ultimate in flexibility for consumers, this also serves as a cost-effective way to execute POS rewards programs for issues. The Pay with Rewards solution provides ubiquity and scale by leveraging the existing MasterCard network, without modification to POS systems or card processes."

Presenting: Kyle Clark (VP Product Development) & Chris Guiney (VP Product Development)

Product Launch: September 2014
Metrics: Please reference our 10-K on the Investor Relations page on As of December 31, 2013, we have approximately 8,200 employees.
Product distribution strategy: Direct to Business (B2B), through financial institutions

HQ: Purchase, NY
Founded: 1966
Twitter: @MasterCardNews
This post is part of our live coverage of FinovateFall 2014.

Our next presenter is Patch of Land, demoing its Peer-to-Real-Estate (P2RE) lending marketplace.

"We are developing a real-time system that pulls data from multiple sources including major credit reporting agencies. This disparate collection of data will be scientifically conglomerated into proprietary information models and risk analysis summaries and extend automatic terms to existing borrowers for new projects. This information will be used by our underwriters along with a proprietary scoring system for increased efficiency in decision making on lending. Electronic documents can immediately be made available to the borrower for signing and funds wired automatically."

Presenting: Brian Fritton (CTO & Co-Founder) & AdaPia d'Errico (CMO)

Product Launch: October 2013
Metrics: 10 employees; 2,500 investors; 279 loans in the pipeline (212% QonQ growth); average loan size $240,000; YTD 24 loans from 6 states totaling $5.2M, all funded by investors online
Product distribution strategy: Direct to Consumer 9B2C)

HQ: Los Angeles, CA
Founded: February 2013
Twitter: @PatchOfLand
This post is part of our live coverage of FinovateFall 2014.

Making its way to the stage is the team from blooom. Blooom has developed a revolutionary way to open 401k investors' eyes and outsource the management of their 401k - regardless of where it is held.

"The blooom app collects basic user data (name, email, age) and asks the user to select where their 401(k) is currently held. Once selected, the user's credentials are entered and blooom goes to work to analyze their current investment allocation across 25,000+ different funds to generate a comparative analysis without a bunch of financial mumbo jumbo. Blooom displays how their 401(k) should be allocated and gives the user some latitude to adjust the recommended allocation. In a few more steps, the user can then hire blooom to make these changes and, more importantly, rebalance and adjust the allocation for the user going forward. It is a new and intelligent way to get help with your 401(k) ... all for just $10 per month."

Presenting: Chris Costello (Co-Founder & CFP) & Randy AufDerHeide (CTO & Co-Founder)
Product Launch: September 2014
Metrics: $200,000 in funding from founders; 6 employees, 30 clients
Product distribution strategy: Direct to Consumer (B2C), Direct to Business (B2B), through financial institutions

HQ: Overland Park, Kansas
Founded: February 2013
Twitter: @blooominc
This post is part of our live coverage of FinovateFall 2014.

Settle debuted a POS that merchants can integrate into their existing solutions:

"The Settle technology comes in 3 forms: 1) Customer app that allows users to make orders, pay, get loyalty bonuses and offers from establishments, and carry out P2P transactions, 2) A Settle tablet with an accompanying app that enables accepting and managing orders, viewing customers' profiles and offering personalized customer service, 3) A merchant dashboard with a smart analytics of sales, staff performance, and a rich customer CRM. 

Settle provides its POS solution for merchants and can be integrated into merchant's existing POS system as well.  Settle can offer white label solutions for bank apps and provide small personal loans."

Presenting: Stas Matviyenk, CEO and Anna Polishchuk, COO
Product Launch: August 2014
Metrics: $1.8M raised, 15 employees, 50,000 users
Product distribution strategy: Direct to Consumer (B2C), Direct to Business (B2B), through financial institutions

HQ: Kyiv, Ukraine
Founded: August 2014
Twitter: @hellosettle
This post is part of our live coverage of FinovateFall 2014.

NICE Systems showed off its Real Time Authentication:

"Real-Time Authentication strengthens and streamlines the authentication process by utilizing voice biometrics to authenticate customers in real time during their conversation with an agent.

With Real-Time Authentication, contact centers can:

        • Securely authenticate customers in real time with no customer effort
        • Expedite time to service and free up more time for revenue generating activities
        • Passively enroll the vast majority of their customers seamlessly
        • Improve fraud protection on all enrolled accounts"
Presenting: Matthew Storm, Director, Innovation & Solutions and Jade Kahn, Solutions Marketing Manager
Product Launch: September 2013
Metrics: $945M NICE revenues (2013) & 3,700 total employees
Product distribution strategy: Direct to Business (B2B)

HQ: Paramus, NJ
Founded: January 1986
Twitter: @NICE_Enterprise
This post is part of our live coverage of FinovateFall 2014.

Starting off FinovateFall 2014 with a bang is Top Image Systems, demoing Glass Capture and MobiFLOW.

"We're demonstrating an integrated part of omni-channel approach to capturing the necessary information in the enrollment and account-opening process. Showcasing the flexible and extensible Mobile SDK and Webservices APIs in MobiFLOW on the server, the demo shows a sample bank application that a retail or commercial banking officer might use on a tablet while wearing Google Glass to capture information from documents typically used in the account-opening process. While showing only a few examples, we are also discussing how Google Glass leverages the same technology in TIS' in-market mobile phone and tablet solutions, allowing a user to easily switch between these devices for the best user experience."

Presenting: Jim Charanis (Director, Mobile & Banking Solutions) & Avi Mileguir (EVP & General Manager, Americas)

Product Launch: June 2013
Metrics: In 2013 we had annual revenue of $29M and 200 employees, and in February 2014 we raised $15M in a secondary offering following our IPO in the mid-90s.
Product distribution strategy: Direct to Business (B2B), through financial institutions, through other fintech companies and platforms, licensed.

HQ: Tel Aviv, Israel
Founded: March 1991
Twitter: @TopImageSystems

If you're one of the lucky ones who will be able to tell the grandkids that you were at the very first FinDEVr, then congratulations! We couldn't be happier to have you onboard for what promises to be a historic opportunity for developers looking to make connections or add key final pieces to their own fintech projects.

We are expecting a diverse crowd on September 30 and October 1. Not only will decision-making CEOs and app-building developers be on hand for this inaugural, two-day event, but just about everybody in between, as well (see below).

Strategy Officers and Founders. Solutions Engineers and Presidents...from the boardroom to the back office, FinDEVr has more than just something for everyone. By combining presentations and demos, workshops and high-quality networking, we are leveraging our seven years of experience in hosting great conferences to bring the fintech community its newest "must attend" event of the year.

So whether you are a "plug and play" programmer or a "gray goose," click here to pick up your tickets and save your spot at this historic opportunity for fintech developers and members of the "Adminisphere" alike. 

And once you've scored your ticket, be sure to join the FinDEVr community on Bizzabo. See you in San Francisco!

FinovateFall 2014: Ready, Steady, Go!


It's rehearsal day here at FinovateFall 2014 - just 24 hours before the lights go up and the first of 70 live demos of the latest in fintech innovation begins.

Monday is a day of preparation for everyone: for the innovators practicing their pitches and triple-checking their laptops, smartphones, and tablets; for the ballroom technical crew and the Finovate team tending to last minute details ...


But Monday is a day of preparation for attendees, as well. And to help make sure you've got everything you need in order to make the most out of your FinovateFall experience, here's a last minute rundown of the whats, whens, and whys of the event - whether you are joining us in New York here at the Hilton Midtown or following the show via Twitter or the Finovate Live Blog.

Registration begins at 8am, with the first demo starting at 9am. We are expecting a full house, so be sure to arrive early.

Below is quick guide to the demos on Tuesday and Wednesday.
Twitter & Live Blog
They say if you can make it here, you can make it anywhere. But for those who weren't able to make it to New York this time around, there are a couple of ways you still can take in every minute of FinovateFall.

Our Live Blog at will cover every demo, every presenter, every company over the two days of FinovateFall. You can also follow the show by way of our Twitter feed @Finovate. Just use the hashtag #Finovate and join in the conversation.

Bizzabo App
And last but not least, if you're here in town for FinovateFall 2014, please be sure to join the community on Bizzabo. Available on iOS, Android, and via the web, Bizzabo is a great way to see, meet, and connect with your fellow attendees as well as learn more about the companies demoing at the event.

Counting Down to FinovateFall 2014


We're only a day-and-a-half away from FinovateFall 2014our twenty-first conference, and things are really coming together here in New York City.

The Finovate team arrived earlier this week and has been busy fine-tuning the venue, organizing attendee packets, and preparing for the largest Finovate audience of all time, nearing 1,500 (thanks everyone!).

The presenting companies will begin pouring into the venue tomorrow to practice their demos and get the lay of the networking hall.

Before you arrive, here are some key things to keep in mind:


We'll open the doors at 8AM. Registration and continental breakfast will continue until just before 9AM, at which point the first demo will begin.

Here's the full agenda:
    • Remember to pack plenty of business cards and wear comfortable shoes
    • Download the Finovate app before the show to get a glimpse of who you'll be rubbing elbows with
    • Contribute to the conversation on Twitter using #Finovate, and follow @Finovate to stay updated on news about the companies on stage 
    • Check out the Finovate blog to watch the live coverage of each company's demo on stage.
    • If you're up for some last minute studying, check out our Sneak Peek series to see what some of the demos will focus on.

If you have any last minute issues or questions, please see our frequently asked questions or email and our team will be happy to help. We can't wait to see you all in New York!


Here's Part Three of our final preview of the companies that will be demoing their technologies on Tuesday, September 30, Day One of FinDEVr. In this installment, we look at:

Click here for Part One. Part Two is available here.

FinDEVr is less than a week away. But there's still time to get your tickets and save your spot.

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.

Keynote: 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.

Why it's great for developers:
More data science, less computer science with SciDB:
  • Horizontally scalable on commodity HW
  • Massively parallel matrix math
  • Programmable from R or Python
Big analytics without big hassles. Hard questions. Fast answers. Open source.

PayNearMe enables consumers to pay rent, repay loans, buy tickets, make online purchases, and do much more with cash. Consumers can make cash payments in their own neighborhood in less than 60 seconds through PayNearMe's network of 17,000 authorized payment locations including 7-Eleven, Family Dollar, and ACE Cash Express stores.

Keynote: Bringing Cash Payments into the 21st Century
PayNearMe secrets unveiled. Why do we even bother with innovating cash? How we developed a system to digitize cash? And how modern development techniques laid the foundation for PayNearMe to become the fastest growing electronic cash transaction network?

Workshop: Strong But Agile: Innovation When Money is On the Line
Innovation in fintech happens faster than ever. When working with other people's money, there is no room for error. How do you build teams and systems that are flexible for agile product development and rigid for security and reliability? What's the relevance of historical payment systems? And what about Bitcoin?

Why it's great for developers:
  • Supports endless number of payment use-cases including mobile, web, printed, and embedded barcodes.
  • Offers real-time communication path and various payment authorization options
  • Multiple implementation paths
The PayNearMe cash transaction platform is extremely flexible, handles the heavy lifting for merchants, and can plug into a large array of payment use cases.

Personal Capital helps people live better financial lives with technology-enabled advisory services as well as free financial software and educational content. Their award-winning apps enable you to effortlessly view your entire financial life in one place. Personal Capital brings to everyone wealth management that previously only the wealthiest could afford.

Keynote: The Art of Data Aggregation
This presentation is for developers and engineers who build applications on top of data gathered from multiple sources. The objective of our data aggregation platform is to model (and report) a user's complete financial life.

We share the three key architectural principles that have made this platform possible:
  • Owning the aggregated data to improve quality
  • Synthesizing data and developing machine learning intelligence to obtain unique insights
  • Developing APIs that hide data complexities to drive efficient UI development
Why it's great for developers:
  • Better data quality by owning collected data
  • Unique insights via data synthesis & machine learning intelligence
  • Efficient UI development via APIs that hide data complexities
We create complex models of a user's financial life using a rich data aggregation platform and present it to the user in a simple and straightforward way.

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

Keynote: 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.

Why it's great for developers:
  • Get caught up on what stocks and markets are trending fast
  • Follow smart people that speed your financial markets learning curve
  • Leverage relationships to make money
Our mobile apps are easy to use and the trending ticker along with our suggested list make staying in tune with markets easy and doable in 10-20 minutes a day.

Tradier is a financial services cloud provider that offers a groundbreaking solution to serve platform providers, developers, and investors. The Tradier solution features an innovative set of fully hosted APIs, modules, and "out of the box" tools that are leveraged by a growing list of providers.

Keynote: An API Like Never Before - Do What Matters and the Rest Is Already Done
Have you ever tried to build a financial market app? It is painful and just about impossible. Too much data, trading, platform and process barriers. Tradier has done all that heavy lifting for you. An API that abstracts the pain and delivers the gain.

Why it's great for developers:
  • Free developer access (no brokerage account required)
  • Historical market data going back nearly 30 years
  • A Broker who does not compete against you
Removal of barriers to financial market app innovation. Ease of implementation with fully-supported APIs.

We hope you've enjoyed our FinDEVr Preview series. We'll be back in a week with our preview of companies presenting and holding workshops on Day Two / October 1 of FinDEVr.

And if you missed our previous editions of our FinDEVr Preview, the links below will help get you up to date.

FinDEVr begins in just over a week. To be a part of the first fintech event for developers, click here to get your tickets today.

Here is Part Two of our last look at the companies that will demo on Tuesday, September 30. In this installment, we meet:

Part Three is available here. If you missed our first installment, check out Part One here.

And don't forget to join the growing community of developers, software architects, and engineers on Bizzabo

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.

Keynote: 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 "air gap" 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 intent 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 secure access key.

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.

Keynote: 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.

Why it's great for developers:
  • 24/7 Pre and Post-deployment Agg Support
  • Improve your app UX with unparalleled FI Agg uptime
  • Come see the launch of the Evented Financial Web
The Finicity API Platform, RESTful Aggregation API and Developer Portal make it EASY to deploy financial apps into the Evented Financial Web ecosystem.

The Mifos Initiative is a 501(c)3 non-profit 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 2.5 billion unbanked.

Our platform is game-changing because we are mobilizing a global community, which is the only way to confront the massive problem we face. Our open source license and community driven approach is unlocking new collaboration and enabling new business models that will allow the financial inclusion sector to scale upward and outward. It enables small institutions to mature and large institutions to reach down cost-effectively in a manner that never could be possible before.

Keynote: Mifos X, Open Technology Platform Unlocking New Opportunities at the Base of the Pyramid
There is a massive opportunity to serve the 2.5B individuals who lack access to financial services. 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.

Mifos X is the world's only open source technology platform for financial inclusion. Built around an API-centric, cloud-based software architecture, the Mifos X Platform is a modern, connected core banking system for responsible financial services organizations bringing basic financial services to the poor globally.

Our innovative solution consists of a full suite of open technologies to scale the reach of financial inclusion to the 2.5B unbanked, encompassing an open source platform released under the Mozilla Public License 2.0, completely exposed through a full set of open APIs as well as a suite of cloud products and mobile apps on top of the platform. Whether you are an innovator looking to build a brand new fintech solution, an integrator looking to integrate or scale an existing product, a reseller looking to extend, implement, support, or host a feature-rich core banking system, or a financial institution looking for a solution out of the box, Mifos X has it covered.

Mifos X consists of 1) the platform (A RESTful back-end which talks to a MySQL database and is built on the Jersey/Spring/JPA stack) 2) the community app (AngularJS app that provides support for the most commonly used financial inclusion models) and 3) RESTful APIs from our platform accessing all the core underlying functionality to enable the community to quickly build their own enterprise grade financial inclusion products/apps on any technology stock.

Workshop: Building Apps for Financial Inclusion on the Mifos X Platform
In this hands-on session, you'll learn how to quickly build enterprise-grade financial inclusion solutions on top of Mifos X, an open-source cloud-based Java platform providing the common core banking functionality through a full set of RESTful APIs, an AngularJS web app and an Android client.

Why it's great for developers:
  • Market-Validated: 75 customers serving 2.5M clients
  • Open & Community-Driven: Open Source via MPL 2.0
  • Extensible: Complete platform - RESTful APIs on a modern tech stack
Mifos is the world's only fully open API-driven platform for financial inclusion providing a technology foundation to reach the 2.5 Billion unbanked at the Base of the Pyramid.

ModoPayments powers better buying experiences with better economics, created by YOU! Using our handcrafted API, any developer can build their own mobile app with the ability to perform in-store purchases at tens of thousands of store locations. Modo powers the payments and tech and you design the experience.

Keynote: How to Find Money & Love with Mobile Apps (maybe more money than love)
Learn about the best kept secret in payments platform APIs: Modo. Modo will show you in 6 minutes or less how to build a better buying experience that entices consumers to spend money, and make you money, with the mobile app of your dreams. Your love mileage may vary.

Workshop: Get Your Hands on Modo
Now you know the secret about how the Modo API can transform buying experiences for your users, audience or customer base, and make real money with your mobile app. Get to this workshop, roll up your sleeves, and build an app you will fall in love with.

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 Score - 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.

Keynote: 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.

Why it's great for developers
  • OnDeck's technology makes the lending process simple, fast & efficient
  • APIs enable 3rd parties to provide more small businesses with the capital they need when they need it
  • OnDeck's technology has enabled the lender to deploy more than $1 billion in capital to small businesses across the U.S.
OnDeck's technology has enabled the lender to deploy more than $1 billion in capital to small businesses across the U.S.

Click here for Part Three of our look at fifteen companies that will be sharing their innovations at FinDEVr on Tuesday, September 30.

And if you missed our previous editions of our FinDEVr Preview, the links below will help get you up to date.

One of the great things about FinDEVr is the way it gives us the opportunity to get to know both new companies and innovators as well as see familiar companies and innovators in new and exciting ways.

To this end, here is the first of three looks at another fifteen innovators who will be taking the stage on September 30, Day One of FinDEVr.

Click here for Part Two. Part Three is here.

Tickets are still available for the first event for fintech developers. Click here to save your spot today. And once you've registered, don't forget to join the community on Bizzabo.

BehavioSec is a leader 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.

Keynote: Realtime Scoring of Behavioural Biometrics via Web Services
Presenting our web & mobile SDK, we deep dove into the back end services and show how easy it is to instrument a web site or mobile app with frictionless behavioral biometrics to add a new layer of security.

In an interactive session we are demonstrating a number of use cases of both real-time scoring and 'after the fact' biometrics forensics. We open up the client SDK to show the APIs, file formats, etc. In parallel we expose the typical integration points to see the architecture and the power the backend web service APIs offer developers to represent additional transaction security in a way that suits your organization's business needs.

Why it's great for developers:
  • Frictionless web or mobile fraud prevention via behavioral biometrics
  • Lite touch integration to deliver a new layer in security for web and mobile platforms

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.

Keynote: Bluefin, Point-to-Point Encryption (P2PE)
Bluefin is the only 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.

Why it's great for developers:
  • Your software doesn't need to be PCI Compliant if you implement Bluefin's P2PE Solution.
  • Add P2PE to webpages/applications using keyboard emulation or HID version.
Bluefin is currently the only PCI Council-listed P2PE Solution. P2PE encrypts card data before it reaches your applications and protects card data from malware.

CardFlight is a leading provider of mobile POS technology and tools that makes 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 kits (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.

Keynote: 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. Encryped 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.

Why it's great for developers:
  • We provide iOS and Android SDKs and a credit card reader to add swiped credit card payments to your application.
  • We process transactions through our PCI compliant gateway, eliminating your scope for PCI Compliance.
  • We integrate with all major processors (Stripe, Braintree, Balanced, etc.)
CardFlight is a leader in credit card payment enablement for mobile. We make it easy to accept swiped credit card payments in your own application, allowing you to keep your merchant provider, branding and customer experience.

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

Keynote: Cloud Lending Inc. - Enterprise Lending Software
Cloud Lending products enable financial institutions 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.

Why it's great for developers:
  • It is end-to-end and supports multiple loan types
  • It is borrower focused
  • It addresses regulatory changes in a matter of hours
We run on Salesforce, leveraging both its CRM to track loan status form bid to re-payment and its ability to integrate with other native apps.

Concur is a leading provider of integrated travel and expense management solutions trusted by over 25,000 clients around the globe with over 25 million users. The Concur Platform allows developers to develop and market innovative solutions to the lucrative $1.23 trillion business travel market.

Keynote: Numbers, they don't lie ...
Concur processes more than $55 billion dollars in annual T&E spend for its 25 million customers. In this presentation, Mithun Dhar,  Director of Evangelism & Strategic Marketing, will walk us through and give insight into this spend and tell developers why its a great opportunity to tap into this lucrative market.

Why it's great for developers:
  • Access to 25 million business travelers
  • Access to more than 25,000 businesses that use Concur
  • Insight into over $55 billion dollars of annual T&E spend
Business travel is a $1.12 trillion industry, with U.S. business travelers logging 460M trips a year. The Concur Platform allows you to tap into this lucrative market.

Click here for Part Two of our three-part look at another set of companies that will be presenting and holding workshops at FinDEVr on Tuesday, September 30. For Part Three, click here.

And if you missed our previous editions of our FinDEVr Preview, the links below will help get you up to date.

We've been helping you prepare for FinDEVr for a few weeks now. Between the presentations, networking, and workshops, there will be a lot to keep busy with during the show, so we wanted to make sure you're ready.

Today we're featuring:

To join in on the action, you can get your ticket here.

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 customer transactions into back-office systems.

Keynote: 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 easy cross-sell.
Workshop: Build An Omni-Channel Account Opening Experience In Under 60 Seconds
Avoka will build an account opening experience in under an hour that Is responsive & adaptive

  • Supports cross-over between channels
  • Is integrated to social media for pre-fill
  • Is integrated to electronic ID verification
  • Facilitates cross-sell with loose coupling to core systems
Benefits for developers:

  1. Omni-channel digital customer experience
  2. Analytics platform to understand your customers engagement experience that enables;
  3. Speed, agility and rapid decision making
Omni-channel customer experience in days instead of weeks or months.

Financial Apps provides a suite of developer 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

Keynote: 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..

Workshop: Get Relevant: Driving Data to Action
The Financial Apps Platform simplifies the way developers build, manage, and scale their applications' transaction driven components.  ​In this workshop, we will demystify the process of transforming financial data into relevant solutions that can directly consumed by your applications. Learn how to:

    • Connect to financial data using Financial Apps' easy to use RESTful based JSON API and developer libraries
    • Construct complex data aggregations in minutes using Boolean logic with the FA Relevancy Engine Interface
    • Execute and deliver new datasets at run time speed and make schema changes without system interruptions
    • Create queries and rules that analyze your data and deliver actionable results and alerts
Benefits for developers:

    1. Broad API providing access to your consumers Financial Data.
    2. Data Modeling and Workflow capabilities integrated within the platform.
    3. Solutions to make data actionable
Currently powering industry leading FinTech applications, The Financial Apps platform and tools are available for integration today! We make data actionable

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.

Keynote: 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.

Workshop: Cashtie API - Democratizing Access to Retail POS
In this workshop we are showcasing how we democratized access to the POS (Point of Sales) of some of the largest retailers in the world like Walmart, CVS, Rite Aid, Target, Family Dollar and many more. We are demonstrating how to insert transactions as line items into the customer receipt including validating pre-tender transactions and completing post tender.
We are also presenting various use cases how the Cashtie API is used to digitize cash payments and touch on our different integration methods for developers.

Why it's great for developers: 

  • Digitizing cash
  • Democratizing access to large retailers POS
  • Instantly build retail network for cash acceptance
Use Cashtie to streamline and simplify cash payments.

Xero is 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.

Keynote: Open for Small Business
Small business is at the heart of every economy. Simple efficiency gains like eliminating data entry or getting paid twice as fast can make or break a business. At Xero we've created an open, extensible platform upon which hundreds of developers have created tools and joined our mission to make small businesses all over the world succeed.

Workshop: Building an API driven Ecosystem for Small Business
In this session, you'll hear how Xero has successfully grown it's marketplace to over 300 integrated applications. How we've structured our developer partner program and built our open API as well as the key lessons we've learned along the way.

Why it's great for developers:

    • Integrated Accounting
    • Open API 
    • Successful Partner Program
Xero provides an Open API, with the opportunity for integrated accounting between important small business applications.

If you missed any of the previous FinDEVr Preview posts, check them out below:


In the weeks ahead of FinDEVr San Francisco, we're taking a closer look at the companies that will share their technology through presentations and workshops on September 30 and October 1.

Today, we have two installments. In the first, we looked a Avoka, Financial App, Incomm, and Xero. In part two, we're featuring:

There's still time to pick up your ticket to join in on the first event for fintech developers.

Eshta develops and operates Eshtapay as a financial platform that can act as 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.

Keynote: Eshtapay: The Financial Swiss-Army Knife
Eshtapay 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.

Workshop: Eshtapay: 80M People Market Case Study
Eshta CEO Catalin Braescu is offering a detailed break down of the customization and deployment of Eshtapay for the 80-million-person Egyptian market. Expect a colorful presentation, Indiana Jones situations, breakneck deadlines, and a Hollywood happy ending!

Why it's great for developers:

    • Suspiciously easy to integrate
    • Dangerously fast to deploy
    • Tempting pricing
Your company + Eshtapay = fast access to billions of developing world consumers.

EVO Snap* is a 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.

Keynote: DIY Offers and Rewards - Closing the Digital Loyalty Loop

Description: 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.

Workshop: DIY Offers and Rewards API - A Look Under the Hood

Get up close and personal with the EVO Snap* Connect offers and rewards API and discover how to integrate offer publishing and card-linked redemption services into your loyalty app. Learn how to leverage pre-built service modules and explore options for making your bank/app portal more valuable to merchants by offering detailed retail analytics. We'll crack open the API, review available data, and offer up sample code.

Why it's great for developers:

  • Simple, fast & easy-to-use payment APIs & integration tools
  • Simplify merchant activation & approval
  • Expand your global footprint and EMV readiness

Acquirer, Processor & Technology Partner - All-in-One. EVO Snap* is a one-stop shop for application integration, merchant underwriting and international payment processing.

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 businesses through Intuit

Keynote: 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.

Workshop: Intuit's Financial Data APIs: Getting Started With the Best Platform to Connect to Small Business and Consumer Financial Data
QuickBooks Online (QBO) has the largest small businesses audience in the world and the QBO API opens up this valuable market to partners and developers like you. The Customer Account Data (CAD) API is the same API that powers giving you access to transaction data from over 19,000 financial institutions. In this session we will review the QBO and CAD APIs.

This session is best for developers looking to serve small businesses and accountants.

Key Takeaways:
  • What the QBO Platform offers to you as a partner and developer
  • How to start integrating with the CAD API so you can get started quickly
Why it's great for developers:

    • QB reaches millions of qualified SMB customers & accountants
    • You can easily connect your SaaS app to SMBs
    • Extend the power of QB to handle multiple jobs
Through IPP, developers can extend the power of QuickBooks, join Intuit's ecosystem of applications, and tap into millions of existing SMB customers.

Xignite is the pioneer of cloud-based market data APIs & the provider for leading Fintech innovators Wealthfront, StockTwits, Robinhood & Yodlee. Our APIs cover every asset class, market & data type available & are ideal for integrating data into FinTech mobile apps, websites, and platforms.

Keynote: 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.

Workshop: Power Your FinTech Apps with Xignite Market Data Cloud APIs
Come see how easy Xignite makes it to add virtually any type of financial market data into your app and why the top FinTech start-ups are Xignite customers. Get first-hand experience calling Xignite REST APIs for pricing, reference, and historical market data. Novices and experts are welcome; Xignite experts will be on hand to answer any questions and explain basic concepts (i.e. how to call a REST API) and share best practices (i.e. using our open-source SDKs).

Why it's great for developers:

• Get going now with our special startup pricing 
• Get to market first - thanks to our easy APIs 
• Huge catalog of market data to fuel your growth

The flagship FinTech companies are winning with Xignite. Shouldn't you be too?

If you missed any of the previous FinDEVr Preview posts, check them out below:


CrowdFlower, the company that uses crowdsourcing for data scrubbing, announced yesterday it raised some cash to help it bloom.

The newest installment, which was led by Canvas Ventures, brings the San Francisco company's total funding to $28 million. Other investors in this round include Bessemer Venture Partners and Trinity Ventures.


CrowdFlower, which does data work for companies such as Home Depot and Cisco, pays more than 5 million people to contribute to the data scrubbing. Some of the applications include:

    • Data Collection & Enhancement
    • Content Moderation
    • Search Relevance Tuning
    • Sentiment Analysis

CrowdFlower plans to use the new funds to grow its product and customer base.

To see CrowdFlower demo its newest technology live, come see them at FinovateFall next week in New York. We still have a few tickets left.

Thanks to the $35 million Series-G funding of Finovate alum, Ping Identity, the fintech sector managed to pull in more than $50 million for the week. The 17 recipients of new investor cash included two financial comparison sites, Hong Kong-based CompareAsia which covers a broad range of personal finance products across Asia and Brooklyn-based Zapari, which focuses on U.S. health insurance. 

Here are the latest fintech fundings in order of magnitude (fundings from Sep 13 through Sep 19): 

Cloud-based identity management
Latest round: $35 million
Total raised: $110 million
Tags: Security, ID, authentication, Denver, Finovate alum
Source: Finovate

Automated debt recovery technology
Latest round: $5 million
Totals raised: More than $5 million 
Tags: Credit, collections, debt, lending, San Francisco
Source: Crunchbase

Asian financial products price comparisons
Latest round: $3 million
Total raised: $6 million
Tags: Lead generation, personal finance, Hong Kong
Source: Crunchbase 

Automated tracking of car mileage for expense reporting
Latest round: $3 million
Total raised: $3 million
Tags: PFM, expense reports, tax deductions, automobile, San Francisco
Source: Crunchbase

Connecting financial institutions and institutional investors to Bitcoin
Latest round: $3 million
Total raised: $3 million
Tags: Cryptocurrency, bitcoin, NYC
Source: Crunchbase

Digital payments technology for financial institutions
Latest round: $2.1 million
Total funding: $3.8 million
Tags: Mobile, payments, Omaha, Nebraska
Source: FT Partners

Gem (formerly BitVault)
Bitcoin platform for developers 
Latest round: $2 million
Total raised: $2.1 million
Tags: Bitcoin, cryptocurrency, 
Source: Crunchbase

DIY wealth management using ETFs 
Latest round: $1.9 million
Total raised: $1.9 million
Tags: Wealth management, investing, roboadvisor, Toronto, Canada
Source: Crunchbase

Social and information network for investors
Latest round: $1 million
Total raised: $1 million
Tags: Investing, news, Twitter, Linked:In
Source: Crunchbase

Crowdfunding via cryptocurrencies
Latest round: $1 million
Total raised: $1.4 million
Tags: Bitcoin, cryptocurrency, Mountain View, CA
Source: Crunchbase 

Italian P2P lending market
Latest round: $580,000
Total raised: $1.3 million
Tags: Lending, credit, crowdfunding, person-to-person, Italy
Source: FT Partners

Dedicated tip hardware for physical point-of-sale
Latest round: $420,000
Total raised: $420,000
Tags: Payments, PFM, credit and debit cards, hardware, POS
Source: Crunchbase

Bitcoin payments and storage
Latest round: $220,000
Total raised: $430,000
Tags: Bitcoin, payments, cryptocurrency, Luxembourg
Source: Crunchbase

Mobile remittance service provider
Latest round: $150,000
Total raised: $150,000
Tags: Remittances, funds transfer, mobile, payments, Dallas
Source: Crunchbase

Reinsurance technology platform
Latest round: Undisclosed
Total funding: More than $2 million
Tags: Insurance, Gibraltar
Source: Anthemis

Mutual fund and investing enterprise software
Latest round: Undisclosed
Total raised: Undisclosed
Tags: Investing, enteprise, Columbus, Georgia
Source: Crunchbase

Health insurance comparisons
Latest round: Undisclosed
Total raised: Undisclosed
Tags: Insurance, Brooklyn, New York
Source: Crunchbase

Debt funding

Patch of Land (presenting Sep 23/24 @FinovateFall)
Real estate crowdfunding
Latest round: $125,000
Total raised: $1.5 million equity, $125,000 debt
Tags: Crowdfunding, mortgage, P2P lending, Los Angeles, Finovate alum
Source: Crunchbase
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