Fall In! FinovateFall 2015 Presenting Companies Revealed

FF2015_PresentingCompanies_FinalA touch of autumn rain here in the Pacific Northwest this week is a welcome reminder that fall is right around the corner.

That means that our annual NYC conference – FinovateFall – is only a two weeks away. So pick up your ticket while you still can and join the 1,500-person gathering in Manhattan September 16 & 17.

To whet your appetite for two days of fintech innovation, we’re releasing the full and final lineup of presenting companies for FinovateFall 2015. Here are a few brief introductions, but be sure to check our our Sneak Peek series to learn more about the innovators and entrepreneurs who will take the stage at the New York Hilton Midtown in just a few weeks.

  • AcceptEmail serves today’s consumers with online, real-time email payments. Market segments include insurance, banks, telecom, utilities, and property management.
  • additiv develops and implements digital innovations and business models for financial services providers
  • Adobe is changing the world through digital experiences. Content built and optimized with Adobe products is everywhere you look.
  • Advisor Software is a Cloud provider of sophisticated wealth management and digital investment advice APIs and apps for financial services enterprises.
  • Alfa-Bank offers a wide range of products and operates in all sectors of the financial market, including corporate and retail lending.
  • Alpine Data Labs is a predictive analytics company focused on making analytical insights more accessible to the business.
  • ArcBit aims to lever Bitcoin and Blockchain technology to connect you to the global Internet economy.
  • Authy delivers proven fast-to-implement, highly scalable and reliable 2FA with an intuitive user experience and a powerful API.
  • Auvenir is a smarter way to audit financial statements. Using cutting edge technology, Auvenir is setting the new standard in compliance and assurance.
  • Avoka’s digital business platform for frictionless sales and service solves the “buy” problem for financial institutions, government, and education.
  • BehavioSec enhances security without impacting the user experience. It is currently deployed at 20+ retail banks with over 500m transactions a year.
  • Big Data Scoring helps lenders harness big data to make better credit decisions
  • Bizfi consists of three synergistic product silos comprising aggregation, funding and a participation market for institutional investors.
  • Bleu’s vision is to change the payment experience and create new platforms for mobile transactions.
  • Blockstack.io is an enterprise software company selling private, enterprise blockchains for financial services and other enterprises.
  • Buzz Points partners with community banks and credit unions to reward consumers for buying local and banking local.
  • Capriza modernizes businesses by simplifying and mobilizing the most critical business workflows and disrupts the speed and economics of going mobile.
  • CellTrust provides mobile solutions that deliver seamless, secure mobile workflows to support enterprise collaboration, productivity and compliance.
  • Crowdability is the world’s first independent provider of education, research, and data on the emerging equity crowdfunding market for retail investors.
  • D3 Banking provides innovative banking services from a single digital platform, lowering the cost and complexity of IT infrastructure.
  • DAVO Technologies was created to solve the pain points in the payor/payee relationship; optimizing any recurrent payment cycle, compressing time.
  • Dealflow is building the largest channel for online capital formation.
  • Dyme turns spenders into savers using the power of text messaging.
  • Dynamics, Inc. designs, manufactures, and personalizes intelligent battery-powered payment devices and advanced payment platforms.
  • ebankIT is an Omnichannel Banking software company that delivers the latest innovative solutions in financial technology.
  • Eco-Mail helps businesses solve the digital mail dilemma for both outbound and inbound mail with our patented, exchange-based platform.
  • Empyr’s Online to Offline Ad platform generates revenue for online publishers, including banks and fintech companies, from offline advertisers.
  • Encap Security makes the world’s only authentication solution purpose-built for enabling Omni-Channel financial services.
  • Ephesoft Smart Capture solutions classify documents and extract meaning from their content. Make better financial decisions with better data.
  • Ethoca provides collaboration-based technology solutions that close the information gap between card issuers and commerce merchants.
  • Euronovate is a leading company in digital transformation and biometric identity management solutions.
  • Fern Software provides social savings and loans software to FIs in over 30 countries. Serviced out of offices in Europe, Asia, and the Americas.
  • FINANTEQ started to transform mobile trends into financial technology before ‘era of iPhone’ and constantly provides innovations in mobile space.
  • Fiserv is a leading global provider of information management and electronic commerce systems for the financial services industry.
  • Flybits is the context-as-a-service software platform in the cloud. Better mobile apps, sooner, and for less. Get agile as you tailor your app strategy.
  • Gro Solutions is dedicated to helping banks and credit unions grow by providing innovative digital customer acquisition solutions.
  • Hedgeable is the first private banking platform for millennials.
  • HelloWallet works with employers to provide independent, personalized financial guidance to employees through web and mobile-based software.
  • Hypori provides mobility solutions with Virtual Mobile Infrastructure. We remote Android onto any mobile device and allow access to any unmodified app.
  • ID Analytics is a leader in consumer risk management with patented analytics, proven expertise, and real-time insight into consumer behavior.
  • IDmission provides a cloud-based platform enabling identity initiated customer onboarding and engagement for financial services companies.
  • InforcePRO is the only end-to-end post-sale life insurance policy software solution.
  • Jack Henry & Associates is a leading provider of technology solutions and payment processing services primarily for the financial services industry.
  • Knox Payments offers account verification and fraud guarantee to online merchants, and a single sign-on solution for consumers paying online.
  • Ldger is Structured Finance 2.0.
  • Lexmark creates enterprise software, hardware and services that remove the inefficiencies of information silos and disconnected processes.
  • LiftForward operates white-labeled marketplace loan platforms which provide loans to small businesses and high yielding debt products to investors.
  • LiquidLandscape is a San Francisco based fintech startup, with operations in London and New York. We recently graduated from the Barclays/Techstars  Fintech Accelerator Program.
  • MX
  • New Kapitall Holdings provides millennials and the like-minded with the financial tools they need to live life to the fullest.
  • North Side enables customers to speak or type to access your existing applications and databases, and clarify their intent though conversation.
  • Novabase has been making people’s lives simpler and happier through technology for over 25 years.
  • Ormsby Street is an award-winning Shoreditch-based digital SaaS company helping small businesses make great decisions about who they trade with.
  • PaySwag by Customer Engagement Technologies was founded to create solutions that revolutionize the payment experience for the underbanked.
  • Quisk is a Silicon Valley-based startup that partners with banks and others to enable anyone to use their money without needing cash or cards.
  • RedCloud Technology is changing the future of fintech. We were responsible for the successful conception and launch of M-PESA, now we’ve moved on.
  • RMS is an engagement solution provider focused on acquisition, cross-sell, rewards, and referral marketing solutions for financial institutions.
  • SaleMove’s vision is to meet and exceed the in-person customer experience online.
  • Sliced Investing is democratizing access to elite investments including hedge funds and private equity for as little as $10,000.
  • Socure utilizes online/social data, facial recognition, and AI for real-time consumer verification. Improving conversion and reducing costs/fraud.
  • Soundpays is a universal mobile wallet using sound wave technology. We work with any technology whether online, in store, over TV, YouTube, or digital signage.
  • ThetaRay is a leading provider of big data analytics and solutions for operational efficiency and risk detection.
  • TradingTicket enables retail investors to place orders anywhere online or in app with their existing brokerage accounts.
  • TransferTo provides a global mobile remittance hub that helps businesses offer Mobile Money, goods and services, and airtime in real-time.
  • Tranwall offers payment solutions which bring control, fraud prevention and flexibility to cardholders and card issuers.
  • Travel Notes helps financial institutions improve their cardholders’ experience when traveling by offering powerful, yet simple solutions.
  • Trulioo aims to cover the entire global population with verified IDs in an effort to increase trust and safety online and help fuel financial inclusion.
  • Urban FT delivers a platform to both financial and non-financial issuers to give their customers industry leading digital banking products.
  • Voitrax provides a comprehensive automated trade reconstruction solution designed and built by seasoned Wall Street technologists.
  • Walletron automates a brand’s presence in mobile wallets, opening a new communication channel for loyalty and billing.
  • Xignite delivers real-tie and reference market data APIs that power fintech digital assets, such as websites and apps.
  • Yseop is a global artificial intelligence enterprise software company that works in business intelligence and business process outsourcing.

FinovateFall 2015 is sponsored by The Bancorp, Capital Source, Envestnet, FT Partners, and Hudson Cook.

Our partners include Aite, American Bankers Association, Bank Innovators Council, BankersHub, bobsguide, Breaking Banks, California Bankers Association, Celent, The Coin Telegraph, Hotwire, Invest Canada, Javelin Strategy & Research, Let’s Talk Payments, Mercator Advisory Group, The New Economy, NY Pay, The Paypers, SME Finance Forum, and World Finance.

FinDEVr Preview: BlockCypher

FinDEVr2015LogoV2DateToday starts our FinDEVr Preview blog series. On October 6 & 7 in San Francisco, 60 companies will present their latest developer tools, tips, and integrations. Register today and don’t miss out.

With BlockCypher’s presentation, you’ll see how Bitcoin and block chains enable programmable money. From simple scripts to complex contracts, code can automate the transfer of value, making it traceable, distributed and cryptographically secure. Dedicated block chains and smart contracts can automate trading with fast settlement as well as encode complex derivatives.


Why it’s a must-see:
Want to learn how block chains can fundamentally impact finance and Wall Street? How about rebuilding a bank in 2 days without keeping funds in custody? Want a sneak peek at what block chains and peer-to-peer distributed consensus can do? This session will put you on the right track and create a spark for you to build the next big finance thing.

Check out more of today’s FinDEVr Preview posts:

FinDEVr Preview: Finicity

FinDEVr2015LogoV2DateToday starts our FinDEVr Preview blog series. On October 6 & 7 in San Francisco, 60 companies will present their latest developer tools, tips, and integrations. Register today and don’t miss out.

Finicity, a fintech aggregator with 14 years of experience and 16,000+ developed data sources, will demonstrate real-time data delivery via the new TxPUSH API.

The instant availability of financial transaction and account data unlocks fintech innovation and improves security.


Why it’s a must-see:
The TxPUSH standard pushes transactions as they happen, enabling real-time data delivery and improved security via OAuth.

With TxPUSH, account holders will no longer have to “pull” or download transactions from multiple financial institutions. Transactions will be “pushed” in real time to financial event hubs or directly to subscriber apps.

Check out more of today’s FinDEVr Preview posts:

FinDEVr Preview: Thinking Capital

FinDEVr2015LogoV2DateToday starts our FinDEVr Preview blog series. On October 6 & 7 in San Francisco, 60 companies will present their latest developer tools, tips, and integrations. Register today and don’t miss out.

To Build or Not to Build: This Q&A session with Thinking Capital’s Pat Forgione, CTO and Anthony Lipschitz, CSO, will delve into how a leading fintech organization uses SAS software to create a proprietary platform that facilitates underwriting, decision making, compliance and more.


Why it’s a must-see:
This presentation will highlight how fintech developers can use technology to create unique competencies in finance; and help them make the decision of building, outsourcing or customizing tech solutions.

Check out more of today’s FinDEVr Preview posts:

FinDEVr Preview: Hyperwallet

FinDEVr2015LogoV2DateToday starts our FinDEVr Preview blog series. On October 6 & 7 in San Francisco, 60 companies will present their latest developer tools, tips, and integrations. Register today and don’t miss out.

Hyperwallet is the leading outbound payment provider to the independent worker and freelancer economy.

The San Francisco-based company will showcase its REST API that allows technology companies to access turnkey global payout options while maintaining control of the user experience, making it easy for your users around the world to be paid.


Why it’s a must-see:
Attendees will leave this session understanding the importance of a payout platform vs. a payout method. They will see how building into Hyperwallet’s outbound payments technology will quickly, easily and securely unlock a new world of payout flexibility for independent workers on your platform.

Check out more of today’s FinDEVr Preview posts:

FinDEVr Preview: Lleida.net

FinDEVr2015LogoV2DateToday starts our FinDEVr Preview blog series. On October 6 & 7 in San Francisco, 60 companies will present their latest developer tools, tips, and integrations. Register today and don’t miss out.

Lleida.net’s Connectaclick is a customized solution for electronic contracting. Customers can get the deal done immediately, without delays, reaching the balance between legal certainty and conversion by using registered SMS or registered email. Lleida.net, as a telecom operator, acts as a trusted third party.

LleidanetHomepageWhy it’s a must-see:
Being a tailor-made solution, Connectaclick combines registered SMS/email, email/phone number, and identification validation. As a customer data validation service, the solution becomes more competitive and prevents fraud. Connectaclick lets you close deals anywhere, anytime.

Check out more of today’s FinDEVr Preview posts:

FinDEVr Preview: Personal Capital

FinDEVr2015LogoV2DateToday starts our FinDEVr Preview blog series. On October 6 & 7 in San Francisco, 60 companies will present their latest developer tools, tips, and integrations. Register today and don’t miss out.

Personal Capital will present the inner workings of a truly data-driven retirement planner based on users’ aggregated data and enhanced by machine learning. Each personalized plan is refreshed as the market or user’s spending or saving behaviors change and is served up on a UI that makes sophisticated algorithms and complex data intuitive and actionable.


Why it’s a must-see:
Personal Capital’s AWS infrastructure supercharges a data-driven retirement planner that employs machine learning techniques to better forecast growth of a user’s portfolio and estimate her retirement spending. The company’s connected ecosystem allows a user and her dedicated advisors to collaborate on the same data and retirement plan.

Check out more of today’s FinDEVr Preview posts:

Klarna Makes U.S. Debut with New Overstock.com Partnership


Thanks to a new partnership with Overstock.com, Klarna has come to America.

Starting today, customers at Overstock.com will be able to use Klarna Checkout for mobile online purchases. Klarna’s one-tap  technology helps remove friction at checkout. Overstock.com CEO Patrick M. Byrne said that the solution has increased conversion rates during testing. CEO of Klarna North America Brian Billingsley called the partnership with Overstock: “a massive opportunity to turn more browsers into buyers.”


Pictured (left to right): Klarna Chief Risk Officer, Ohad Samet and SVP of Sales, Jakob Söderbaum, demonstrating their company’s technology at FinovateSpring 2012.

Klarna’s technology allows online consumers to buy now and pay later. By partnering with more than 50,000 merchants and 35 million total end customers, Klarna has become a leader in after-delivery payments in Europe. The company’s solution assumes both credit and fraud risk,  speeding up checkout, making it safer and guaranteeing payment for the merchant.

Klarna has had an active 2015. The company hired a former American Express executive as its new Chief Commercial Officer in June, and just a few months later, Klarna’s CEO Sebastian Siemiatkowski was named to Hot Topics’ top 100 fintech influencers in August. Klarna earned profiles from The Financial Times and the Business Insider this summer, and spent the spring “experimenting” with Bitcoin and winning bronze in the “Most Disruptive” category at the PYMNTS Innovation Awards. The company began the year joining 21 of its fellow Finovate alums in the FinTech50.

Founded in Stockholm, Sweden in 2005, Klarna made its Finovate debut at FinovateSpring 2012 in San Francisco.

Narrative Science Enhances Quill Engage for Google Analytics


According to Narrative Science, now is a great time to get engaged.

The natural language generation specialist has launched a new, enhanced version of its Quill Engage for Google Analytics technology. Quill Engage turns Google Analytics data into actionable, natural language analysis and reports that are easier to understand and easier for website operators to implement.

“By upgrading to the new version of Quill Engage, users can spend more time improving a business’ digital presence and less time trying to make sense of the huge volumes of data generated by Google Analytics,” co-founder and CEO of Narrative Science, Stuart Frankel said.


Pictured (left to right): Tim Bixler, Credit Suisse Managing Director, Global Head of HOLT; and Kris Hammond, Chief Technical Officer, Narrative Science, demonstrating Quill Financial at FinovateFall 2013.

The new features include:

  • Additional Data Analysis: Captures more visitor behavior including goal, conversion, event, and e-commerce analysis
  • Customized Reports: Enables company branding, KPIs, add/remove report sections
  • Sharing and Saving: Allows automatic sharing with both clients and colleagues, export as editable Google Doc

First made available in the spring of 2014, Narrative Science’s Quill Engage for Analytics is powered by the company’s Quill platform demonstrated at FinovateFall 2013 in New York. The technology is available in free, Basic ($19.99/month), and Premium ($49.99) versions. According to Narrative Science, more than 13,000 users are on the platform, and the solution has earned high marks from the likes of the Content Marketing Institute, the Social Media Examiner, and RazorSocial.

Founded in January 2010 and headquartered in Chicago, Illinois, Narrative Science demonstrated its technology at FinovateFall 2013 in New York. For more information about our upcoming fall conference in New York, visit our FinovateFall 2015 page.

Design: Creating Online Awareness of Digital Banking

design_iconThere is only one reason I visit a bank’s website. It’s to learn about its online and/or mobile banking features. Granted, understanding digital banking is my livelihood. But normal people looking for a new checking account, credit card or loan, also need to understand digital capabilities. Even for those that need the comfort of knowing there’s a branch nearby, online/mobile is still a key attribute for the vast majority of consumers (and businesses) shopping banks.

So, I don’t understand why digital features are often relegated to a sub-menu buried in the Personal Banking section. Of the 10 largest U.S. retail banks, only two, US Bank and BB&T, feature online banking in high-level navigation.

My favorite among the mega-banks (again), is US Bank, which highlights digital on the upper left and uses both “online” and “mobile” in the navigation tab:


placement also works with “Online Services” on the far right of the top line. While its naming is OK, it would be better to see “mobile” mentioned. So, I’d recommend changing it to “Online & Mobile,” which is the same number of characters.

And of course, there are plenty of smaller banks and credit unions showcasing digital features. For example, San Diego County Credit Union, uses “Online & Mobile Banking” along its top navigation.


Image licensed from 123rf.com