This site is operated by a business or businesses owned by Informa PLC and all copyright resides with them. Informa PLC's registered office is 5 Howick Place, London SW1P 1WG. Registered in England and Wales. Number 8860726.
Finovate Blog
Tracking fintech, banking & financial services innovations since 1994
Digital banking solutions provider ebankIT has forged a strategic partnership with banking and financial services software company Alogent.
The partnership integrates ebanktIT’s omnichannel digital banking platform with Alogent’s advanced remote deposit capture (RDC) and item processing technologies.
Founded in 2014 and headquartered in Porto, Portugal, ebankIT won Best of Show in its Finovate debut at FinovateEurope 2015.
Digital banking solutions provider for community financial institutions (CFIs), ebankIT, has announced a strategic partnership with banking and financial services software firm Alogent. The partnership integrates ebankIT’s omnichannel digital banking platform with Alogent’s advanced remote deposit capture (RDC) and item processing technologies. This will create a unified experience that enables financial institutions to accelerate digital transformations, boost security, and enhance customer journeys.
“Our partnership with ebankIT delivers secure, seamless experiences that build trust and keep users engaged across every channel, helping financial institutions modernize faster and smarter,” Alogent VP of Business Development Chris Wilson said. “The combined strengths of both organizations empower banks and credit unions to provide consistent, digital experiences that enhance customer engagement and meet evolving market demands.”
The partnership combines Alogent’s expertise in image capture, deposit automation, and fraud mitigation with ebankIT’s omnichannel capabilities, responding to a demand from community financial institutions, including credit unions, for greater integration between digital banking and payments technologies. This collaboration facilitates flexibility, speed-to-market, and greater customer engagement, and the integrated solution delivers robust compliance, reduced implementation time, and continuous innovation with AI-driven insights and personalized financial tools.
“This partnership is a natural fit,” ebankIT VP of US Market Development Paul Provenzano said. “Alogent’s deep expertise in payments and deposit automation perfectly complements ebankIT’s vision for a flexible and scalable digital banking ecosystem. Together, we’re helping financial institutions deliver seamless journeys, from deposits to payments, within a single, intuitive interface.”
Headquartered in Peachtree Corners, Georgia, Alogent offers solutions for check payment processing, enterprise content and information management, and loan and exception tracking. Serving financial institutions of all sizes—from global banks to credit unions—Alogent helps companies lower costs, boost processing efficiency, mitigate fraud, generate revenue, and enhance the customer experience across channels. The company announced a number of new partnerships last month, including collaborations with lending accelerator for banks and credit unions Vine, Georgia-based Embassy National Bank ($285 million in assets), and Pennsylvania’s First Capital Federal Credit Union ($350 million in assets). Company co-founder Dede Wakefield is CEO.
A Finovate alum for more than a decade, ebankIT won Best of Show in its Finovate debut at FinovateEurope 2015 in London. The company demonstrated its technology most recently at FinovateFall 2025, showing how it is leveraging Agentic AI to bring automation and intelligence to a growing number of operations from payments to fraud detection.
Insights-led customer engagement platform MoEngage helps marketers and product owners leverage AI-powered automation and optimization to enable hyper-personalization at scale. Effective across multiple channels including mobile and web push, email, SMS, on-site and in-app messaging, cards, and more, MoEngage empowers brands to analyze customer behavior and engage consumers through highly personalized communication.
This is what UAE-based Union Coop sought when it selected the San Francisco, California-based company as its customer data and engagement partner this week.
“Union Coop’s success is rooted in how we cater to our loyal member base,” Union Coop Chief Marketing Officer Sanjay Patney said. “To deliver on this promise and as we enhance our app-based Tamayaz loyalty program, we needed to move to a complete, all-in-one solution. We chose MoEngage for its powerful ability to unify our members’ data and orchestrate the beautifully designed, highly personalized campaigns our members deserve. This partnership is a key step in leapfrogging our digital strategy to boost engagement and reward our loyal, repeat shoppers.”
Headquartered in Dubai and founded in 1982, Union Coop is one of the largest consumer cooperatives in the UAE. Union Coop operates 28 hypermarket branches throughout Dubai and manages seven shopping malls in the emirate. Union Coop will use MoEngage’s Customer Data and Engagement Platform to unify member data from across multiple systems to provide a single, comprehensive view; orchestrate highly personalized, app-based journeys in real time; increase member engagement; and incentivize repeat shopping with personalized campaigns.
More than 1,350 international consumer brands—including Samsung, McAfee, and Deutsche Telekom—use MoEngage’s technology to boost campaign velocity, shorten time-to-market, optimize at scale, and reduce redundancy while ensuring both data security and privacy. MoEngage helps brands engage 20% of the world’s population a month, analyzing a trillion data points. The company made its Finovate debut at FinovateEurope 2022 in London.
MoEngage’s partnership news with Union Coop comes just days after the company announced that it had achieved Amazon Web Services (AWS) Financial Services ISV Partner Competency. The designation recognizes MoEngage’s industry expertise as well as its success in providing innovative engagement solutions for customers in banking, insurance, fintech, capital markets, and more.
“(This achievement) underscores our commitment to delivering industry-specific engagement solutions that help financial services providers build trust, drive loyalty, and unlock growth,” MoEngage Head of Strategic Alliances Sanjay Kupae said. “From hyper-personalized onboarding journeys to AI-driven retention strategies, we’re enabling banks and financial services to connect with customers in a secure, compliant, and intelligent way.”
MoEngage was founded in 2014. Raviteja Dodda is Co-Founder and CEO.
U.S. Bank partnered with Kyriba to launch Liquidity Manager, an AI-powered cash forecasting and liquidity management tool for commercial clients.
The solution offers real-time visibility, scenario planning, reconciliation, and multi-bank reporting, helping firms automate workflows and reduce operational risk.
The move signals U.S. Bank’s push into tech-forward treasury capabilities, positioning it to compete with modern finance platforms like Ramp.
U.S. Bank has teamed up with treasury solutions company Kyriba to launch a cash forecasting tool to offer businesses visibility and control over their cash and liquidity positions. The new tool, Liquidity Manager, is powered by Kyriba’s liquidity performance platform.
Leveraging Kyriba, U.S. Bank will deliver cash forecasting, scenario planning, and operational efficiencies to its mid- to large-scale commercial clients. Kyriba’s SaaS solutions empower CFOs, treasurers, and IT leaders to connect, protect, forecast, and optimize their liquidity. Founded in 2000, the company aims to help companies and banks improve their financial performance and increase operational efficiency.
“Many companies struggle to obtain a timely and accurate view of their liquidity, especially when managing multiple bank accounts across geographies and currencies,” said U.S. Bank Treasury and Payment Solutions Lead Kristy Carstensen. “This solution builds on the strengths of both U.S. Bank and Kyriba to address these challenges. By automating processes and providing actionable insights, U.S. Bank Liquidity Manager, powered by Kyriba, will empower our clients to make strategic financial decisions with confidence and ease.”
The new tool will improve firms’ cash forecasting by using historical cash flow data to predict future inflows and outflows, providing greater accuracy in daily cash position reporting and supporting more informed scenario planning. Liquidity Manager will also include cash positioning and reconciliation, cash pooling for zero-balance accounts, multi-bank balance and transaction reporting, and real-time visibility for all stakeholders. U.S. Bank expects these capabilities will help firms reduce costs through automated, centralized cash oversight and streamline workflows that minimize manual effort and operational risk.
Liquidity Manager will be available through U.S. Bank’s treasury management platform SinglePoint, which the bank updated a few weeks back. The new SinglePoint release aims to reduce manual work, deliver actionable insights, optimize common user flows, and help clients uncover operational blind spots.
“Working together, Kyriba and U.S. Bank can elevate liquidity management and cash forecasting for businesses,” said Kyriba CRO Bruno Ferreira. “By combining Kyriba’s secure, trusted AI-enabled technologies with U.S. Bank’s deep payments and banking expertise, we deliver real-time visibility across every account and region. This clarity empowers treasurers and finance teams to make confident decisions exactly when they need to, without guesswork or delays.”
Launching advanced treasury management tools may be U.S. Bank’s way of competing with platforms like Ramp, which are expanding beyond spend management into broader operational finance functions. Ramp, in fact, has proven that there is an appetite for this model, disclosing in a funding announcement yesterday that it is now valued at $32 billion.
By strengthening its digital treasury stack, U.S. Bank positions itself as not just a traditional banking partner, but as a technology-minded bank capable of meeting CFO-level expectations around automation, visibility, and real-time decision support.
As part of the alliance, Pleo will now serve as FreeAgent’s preferred expense management partner. This will enable seamless syncing of expenses, card transactions, receipts, and attachments—as well as categories and VAT—from Pleo into FreeAgent. Automated syncing removes the reliance on error-prone and cumbersome manual entry, makes it easier for employees to complete their expense reporting responsibilities, and provides for more accurate, up-to-date bookkeeping for small businesses.
“We know how frustrating and time-consuming it can be for small businesses to keep track of spending, especially when lots of different people are making purchases,” FreeAgent CEO and Co-Founder Roan Lavery said. “This partnership with Pleo takes a huge amount of that stress away. Expenses are recorded and sent straight into FreeAgent without the usual chasing around for receipts or spreadsheets. It just works in the background, so business owners can focus on running their business, not wrestling with their books.”
Pleo provides small businesses with smart virtual or physical company cards that enable complete control over spending limits and policies. The technology automatically tracks, categorizes, and matches all transactions with a receipt in Pleo, then syncs directly into FreeAgent. This integration will provide business owners and finance teams with comprehensive, real-time visibility of company spending, from one-off purchases to recurring expenses.
“Pleo is thrilled to launch our integration with FreeAgent, two partners with a shared vision of empowering SMBs with seamless financial tools,” Pleo SVP Haresh Bajaj said. “This partnership is a step forward in simplifying workflows and unlocking greater value for our customers, and we’re excited about the impact we’ll achieve together.”
Headquartered in Copenhagen, Denmark, Pleo offers solutions for expense management, accounts payable, reimbursements, and vendor management, as well as smart business expense cards with individual spending limits. With more than 40,000 business users of its technology, Pleo notes that 75% of administrators using Pleo have said its solutions have made their companies more productive. Pleo recently announced its Cash Management solution which combines spend and cash management to give businesses full visibility over all accounts, lower FX costs, and earn on idle cash in a single resource.
Founded in 2007, FreeAgent offers accounting software and support for small businesses and their accounting and bookkeeping teams. The Edinburgh, Scotland-based fintech made its Finovate debut at FinovateEurope 2013, and was acquired by NatWest Group in 2018. With more than 200,000 users, FreeAgent also recently announced a partnership with Australian corporate performance management (CPM) software provider Fathom.
Automated regulatory intelligence company CUBE has agreed to acquire agentic AI compliance specialist Kodex AI. Terms of the acquisition were not immediately available.
The acquisition will enable CUBE to leverage Kodex AI’s agentic AI technology to offer “co-worker functionality” for compliance teams to help them keep up with ever-evolving regulations.
Headquartered in Berlin, Germany and founded in 2022, Kodex AI made its Finovate debut at FinovateEurope 2024 in London.
Agentic AI compliance specialist Kodex AI has agreed to be acquired by automated regulatory intelligence company CUBE. Calling the agreement “more than an acquisition,” Kodex AI framed the deal as the “beginning of a new era for regulatory technology” in a statement on the company’s website. The acquisition combines CUBE’s regulatory data and risk capabilities with Kodex AI’s agentic AI technology to offer an AI that is more co-worker than tool to assist compliance teams as they seek to implement ever-evolving regulations. Terms of the deal were not disclosed.
“Combining Kodex AI’s technology leadership with CUBE’s market-leading regulatory and risk data is a once-in-a-lifetime opportunity to redefine the compliance and risk space,” Kodex AI Co-Founder Thomas Kaiser said. “This is the perfect use case for advanced AI, and together we’ll push the boundaries of what’s possible.”
The technology integration, specifically the introduction of co-worker functionality, will automate complex processes, reduce operational costs, and leverage continuous monitoring and proactive updates. This will promote better—and easier—adherence to regulatory requirements. The addition of Kodex AI’s technology will also enable access to richer data sources and broader coverage across jurisdictions.
“Thomas and Claus (Lang) have built an exceptional and disruptive European technology business, pioneering the use of agentic AI through an agent-based architecture to solve regulatory complexities,” CUBE Founder and CEO Ben Richmond said. “Kodex AI is a natural next step in CUBE’s strategy, allowing us to instantly deliver enhanced, AI-based compliance and risk capabilities to our global customers.”
With 1,000 customers in banking, insurance, payments, asset and investment management, and more, CUBE specializes in Automated Regulatory Intelligence (ARI) and Regulatory Change Management (RCM). Founded in 2011, the London-based regtech offers a RegPlatform product portfolio powered by its regulatory AI engine (RegBrain). The technology tracks, analyzes, and monitors laws and regulations in every country to provide always-up-to-date regulatory insights.
Based in Berlin, Kodex AI made its Finovate debut at FinovateEurope 2024 in London. At the conference, the company showed how its AI-powered solution empowers financial professionals to find information, analyze data, and instantly draft reports in minutes rather than days. The company’s specialized Large Language Model (LLM) and Generative AI Agents are designed for financial data, providing a targeted approach that ensures factual intelligence without “hallucinations.” Kodex AI was co-founded in 2022 by Thomas Kaiser (CEO) and Claus Lang (CTO).
Ramp raised $300 million at a $32 billion valuation, bringing its total funding raised to $2.3 billion.
The company surpassed $1 billion in annualized revenue, doubled customers year-over-year, and is scaling AI-driven automation across its platform.
Ramp is evolving from a corporate card provider into a more holistic finance operations engine, which raises the bar for value creation in corporate spend management.
Corporate card and expense management platform Ramp is unveiling an updated valuation this week after a new funding round. The New York-based company closed $300 million in funding, boosting its valuation to $32 billion and bringing its total raised to $2.3 billion in equity.
The investment was led by Lightspeed Venture Partners, with continued support from existing investors Founders Fund, D1 Capital Partners, Coatue, GIC, Avenir Growth, Thrive Capital, Sutter Hill Ventures, T. Rowe Price, Khosla Ventures, ICONIQ, Glade Brook Capital Partners, Soma Capital, Emerson Collective, 8VC, Lux Capital, Definition Capital, 137 Ventures, General Catalyst, Box Group, Kultura Capital, Pinegrove Venture Partners, Anti Fund, and Stripes. New investors, including Alpha Wave Global, Bessemer Venture Partners, Robinhood Ventures, 1789 Capital, Epicenter Capital, and Coral Capital also participated.
Ramp’s all-in-one solution offers corporate cards with expense management, bill payments, procurement, travel booking, treasury, and automated bookkeeping to help organizations save time, reduce costs, and focus on their core competencies. Ramp was founded in 2019 and has since experienced notable growth. As of November 1, the company has:
Generated more than $1 billion in annualized revenue
Served over 50,000 customers, doubling the number year-over-year
Grown its enterprise customer base by 133% year-over-year, with over 2,200 customers contributing $100,000 or more in annualized revenue.
This growth comes shortly after a busy year of development for Ramp. In January, the company launchedRamp Treasury to hold users’ cash deposits in partnership with First Internet Bank of Indiana. Later in the year, Ramp unveiled multiple Agentic AI solutions, including Agents for Controllers and Agents for AP.
It is clear that Ramp isn’t using Agentic AI simply because it is a buzzword. In October alone, the company’s AI made 26,146,619 decisions across over $10 billion in spend.
These adoption metrics, paired with Ramp’s accelerating AI-powered automation, underscore how the company is positioning its platform as a growth and efficiency engine rather than a traditional spend-control tool. According to Ramp CEO and Co-founder Eric Glyman, “Our goal is to make every customer more profitable. On average, companies that switch to Ramp spend 5% less and grow 12% faster—results that outpace nearly every benchmark. The most disciplined and fastest-growing teams choose Ramp because it helps them scale more efficiently. We are working hard to bring that advantage to every business.”
Ramp’s upward trajectory shows that corporate card fintechs are now competing on more than simply card issuance. In order to win in this space, fintechs must create value beyond cards and expense management to materially improve operational outcomes throughout a client’s organization. As procurement, treasury, travel, and automated accounting converge, Ramp is staking its claim as a leader in the space while raising competitive pressure on both incumbents and newer players alike.
In July, JPMorgan Chase (JPMC) began notifying fintech data aggregators that it intended to begin charging significant fees for access to its customers’ bank account information. The shift triggered concern among aggregators about their business models, stirred interest among other banks eyeing similar moves, and raised red flags with regulators concerned about the broader economic fallout. Now, nearly five months later, the bank and its fintech partners have struck a deal on those fees, according to CNBC.
JPMC spokesperson Drew Pusateri said that the bank has updated contracts with aggregators that make up more than 95% of the data pulls on its systems, including Yodlee, Morningstar, and Akoya. Plaid was the first player to mutually agree on a new data access contract, inking a deal in September.
“We’ve come to agreements that will make the open banking ecosystem safer and more sustainable and allow customers to continue reliably and securely accessing their favorite financial products,” Pusateri said in a statement. “The free market worked.”
In this “free market” that Pusateri referenced, JPMC ultimately agreed to charge data aggregators a lower and more predictable price than what was initially proposed in July. While still a paid model, the fact that the terms were negotiated within four months indicates that market pressure, bargaining power, and competitive dynamics shaped the final outcome without the need for regulation.
While the parties declined to disclose specific details regarding the price, as well as the term of the agreements, it is clear that the revised agreements preserve commercial viability for the aggregators while allowing JPMC to monetize the data access.
By agreeing on reasonable terms, aggregators are able to operate with certainty when it comes to data sharing and open banking as the formal agreement brings clarity to open banking operations at a time when the CFPB has paused to revise Section 1033 of Dodd-Frank.
Importantly, today’s announcement marks a sea change in financial services. JPMC, which has historically been a leader in many aspects of banking, has signaled to other firms that they can generate a new revenue stream by leveraging their consumers’ financial data. And given JPMC’s scale and market influence, the move to charge fees will not be an isolated event. Other major banks are now positioned and incentivized to adopt comparable fee structures.
Regardless of the time frame it takes others to adopt a similar strategy, the potential of a new revenue stream will reshape the economics of US open banking over the next 12 to 24 months.
Partnerships in payments and lending as well as new offerings in fraud prevention and self-directed investing are among the fintech news headlines as the week begins. With Thanksgiving around the corner, keep an eye out for companies looking to make their big announcements before the holiday week begins. You’ll find those announcements right here on Finovate’s Fintech Rundown!
Lending
Carrington Labsunveils Model Context Protocol (MCP) server to enable lenders to access the company’s credit risk model outputs directly within agentic flows.
Digital payments network for insurers, One Inc., announced that Mutual Benefit Group has implemented its ClaimPay platform to enhance outbound disbursements.
Investing
Bettermentlaunches self-directed investing tool, enabling retail investors to buy and sell stocks and ETFs without paying commissions.
Payments
Sageintroduces its Finance Intelligence Agent, an intelligence layer that routes natural languages questions to AI agents, coordinates, responses, and composes a final actionable answer.
SaaS analytics platform Torusteams up with Japan’s TIS Corporation to launch Profit Improvement Support Service for Card Issuers and Acquirers.
Spend management company Expensify launches its contextual AI expense agent; becomes official travel and expense management partner for NBA franchise Brooklyn Nets.
Trulioo is launching a new credit decisioning tool, adding financial, credit, and risk insights to its global identity platform.
The update unifies identity, fraud, risk, and credit intelligence into one workflow, enabling faster, more accurate onboarding powered by AI-driven models.
With this expansion, Trulioo shifts from ID verification to full-stack onboarding and risk assessment, putting it in direct competition with Alloy, Prove, Experian, Equifax, and Bureau.
Digital identity platform Trulioo is launching credit decisioning this week. The new capability offers financial, credit, and risk insights through Trulioo’s global identity platform, its tool that connects to hundreds of international data sources to instantly verify people and businesses in nearly every country.
Trulioo’s credit decisioning tool will facilitate smarter evaluation, routing, and decision-making during the onboarding process by bringing identity, fraud, risk, and credit intelligence into a single workflow. The company will leverage its global identity platform to bring these insights into AI-driven models that not only accelerate onboarding but also improve decision accuracy.
“Trulioo is the only solution global enterprises need for KYB,” said Trulioo Chief Product Officer Zac Cohen. “We continue to push the boundaries of innovation, building the most sophisticated engine for onboarding businesses, understanding their risk profiles and driving faster, more confident growth. With credit decisioning, we’re uniting identity, fraud, and credit intelligence to redefine what streamlined, trusted onboarding looks like on a global scale.”
Adding credit decisioning to its identity and fraud intelligence suite, Trulioo is extending itself beyond identity verification. It’s positioning itself as an end-to-end onboarding and risk-assessment platform. This move pushes Trulioo into more direct competition with global decisioning and underwriting players such as Alloy, Prove, Experian, Equifax, and Bureau, while differentiating itself through its broad international coverage.
The credit decisioning tool sits alongside Trulioo’s existing identity verification and fraud intelligence solutions that cover 195 countries and can verify more than 14,000 identity documents and 700 million business entities while checking against more than 6,000 watchlists.
Headquartered in Canada and founded in 2011, Trulioo has raised $475 million. The company has demoed at 10 Finovate events, most recently showcasing its identity platform at FinovateEurope 2023.
How can banks and other financial institutions offer their customers dynamic, AI-powered experiences that provide better, faster, more personalized solutions and services compared to the generic, static interactions of the past?
In this extended conversation, Finovate Global talks with Jac Dunne, Founder and CEO of Dimply, about what her company is doing to help financial services companies design, deploy, and optimize embedded journeys for their customers.
Dimply offers a no-code solution that enables non-technical teams to transform data into hyper-personalized, embedded journeys in apps, websites, portals, and more. Dimply’s technology combines data orchestration, personalization, and seamless integration to help firms boost engagement, enhance trust, and deliver customer value.
Headquartered in Dublin, Ireland, Dimply was founded in 2020. The company made its Finovate debut at FinovateFall 2024 and subsequently demonstrated its technology before Finovate audiences at FinovateEurope 2025 and FinovateFall 2025.
What problem does Dimply solve and who does it solve it for?
Jac Dunne: Financial institutions hold vast amounts of customer data, but struggle to translate this into experiences people find helpful. The gap is widening. Customers now expect the personalization they experience with consumer apps, but financial services organizations move too slowly to meet these expectations.
The problem sits at the intersection of strategy and execution. Product managers understand what customers need. Designers know how experiences should work. But both depend on engineering teams to make anything real. Simple changes take quarters. Testing ideas means filing tickets. By the time something launches, priorities have shifted.
Dimply gives product practitioners the ability to build and deploy customer experiences without engineering dependencies. Product managers, designers, marketing specialists, and business analysts work directly on the platform to create journeys across web and mobile. We empower them to launch in weeks instead of quarters. Changes go live in hours, not development cycles.
We solve this for banks, insurers, wealth managers, and pension providers. These are organizations where engineering bottlenecks prevent product teams from acting on what they learn about customers. Where the backlog of journey improvements grows faster than IT resources to address them.
Tell us more about Dimply’s primary customers? How do you reach them?
Dunne: Dimply’s primary customers are financial institutions such as global banks and leading insurers, whose key stakeholders are Product Managers and Digital Transformation teams. These customers are primarily located in the B2B enterprise space and are seeking to solve the pain point of slow, costly digital CX development due to complex legacy IT systems and onerous development cycles. Dimply enables speed to market by letting teams build, manage, personalize, and embed experiences directly into their own infrastructure, or as a stand-alone solution, if required.
Dimply reaches these customers through a direct, B2B enterprise sales model involving direct engagement with C-suite and product leadership, heavy participation in fintech industry events, and building strategic partnerships with core technology providers, consulting and system integration firms who can work with Dimply as a solution during large-scale digital transformation projects.
What in your background gave you the confidence to tackle this challenge?
Dunne: Financial services used to move faster before the weight of legacy systems, compliance layers, and endless IT queues—teams turned customer insights into action quickly. Product people built experiences. That speed has been lost.
We spent many years both working inside and collaborating with these organizations: major insurers, pension providers, and banks. Our founding team observed brilliant product managers drafting requirement documents rather than building journeys. Designers handed off static mock-ups only after understanding the complete flow. Business analysts documented processes they should have managed end-to-end.
This pattern repeated everywhere. Teams had data showing where customers struggled. They knew which experiences would succeed. They understood what needed to change. Then they filed tickets, waited for sprints, and competed with other priorities. By the time anything launched, the market had already moved.
This gap between knowing and doing frustrated everyone. Not because people lacked skill or the ideas were wrong, but because the tools forced the wrong workflow. Technical teams became bottlenecks for non-technical problems. Simple changes took quarters, and testing ideas required development resources.
Frustrated with this reality, we decided to build something better. Something that would give product practitioners the same level of autonomy that software engineers have. What started as a journey flow builder has evolved into a complete financial experience platform (FXP). Teams describe what they want, and the system builds it. AI handles the technical complexity. Product managers own outcomes without engineering dependencies.
We don’t think of Dimply as a better tool. We think of it as a better way to build financial service experiences. One where the people closest to customers have the power to act on what they learn.
We care deeply about the quality of our work. Every feature ships purpose-built for financial services. Our background gave us conviction about the problem. Our experience gave us clarity about the solution. Financial services deserve tools built for modern customers’ expectations.
What role do enabling technologies like AI play in helping you empower teams to build compelling, dynamic experiences for customers?
Dunne: AI accelerates two parts of the experience creation process:
First, building journeys. Teams describe what they want in natural language, and the AI generates working experiences. A product manager explains the flow of a pension calculator in plain English. The AI produces the complete journey with conditional logic, branching paths, and data integrations. No templates, no technical knowledge required. AI has reduced the amount of technical expertise and training needed for Dimply Hub for product owners and designers to use it. Teams test ideas in minutes instead of weeks.
The AI learns from every journey built in the system. Results improve as more experiences are created. Complex workflows with conditions, loops, and parallel paths emerge from conversational descriptions. This means product practitioners spend time refining customer outcomes rather than wrestling with tools.
Second, personalizing experiences. AI nodes can sit inside customer journeys and adapt what people see based on their circumstances. These nodes generate facts in real time, which can be used to tailor the experience.
The combination removes friction; business teams build faster, and customers receive experiences tailored to their financial situation and behavior. AI handles the technical complexity while product practitioners focus on outcomes.
Can you talk more about the connection between of AI and delivering greater personalization?
The demand for personalization and customer engagement solutions is paramount, and Dimply is perfectly positioned to cater to that. Our personalization extends far beyond basic demographic segmentation or transaction categorization. We are developing what we call intelligent, behavioral personalization that takes into account not just what customers have, but how they behave, their financial goals, and their emotional connection with money, all in real-time.
Our AI continuously learns and adapts in real-time. If someone’s financial situation changes, our AI detects these shifts and modifies the experience to suit their new circumstances.
The outcome is that we can iterate and deliver new insights, content, and tools specifically tailored to each customer’s situation and goals. This transforms generic financial services into personally relevant experiences that encourage genuine engagement and promote financial well-being.
At Finovate Fall, Dimply demoed its Dimply Hub. Can you tell us a little about the solution and how the demo was received at the conference?
Dunne: What we demoed was our AI Builder in planning mode. This allowed us to describe a journey in conversational language and watch the platform construct the experience. The demo showed someone requesting a protection journey for high-net-worth clients, with all the logic and recommendations. The AI generates the complete flow with all the business logic intact.
After the demo, we got great engagement with high-ambition banks, particularly around how they can change their current workflows using Dimply.
Can you tell us about a particularly interesting deployment or feature of your technology?
Dunne: AIB Life reaches 3.2 million customers through embedded journeys in their AIB retail mobile banking app. The deployment demonstrates how the platform works at scale within existing digital channels.
The fact engine sits on top of AIB Life’s core systems, stitching together data from policy administration, CRM, and transaction history. This creates real-time customer profiles without moving sensitive data. When someone logs into the app, the platform knows their complete financial picture and serves a personalized experience accordingly. Journeys adapt dynamically. Life events trigger recalibration.
Dimply has racked up number of awards and recognitions from impressive forums, including Deloitte’s Technology Fast 50. What are these organizations seeing and liking about Dimply?
Dunne: They appreciate how we embody innovation, efficiency, and customer-centricity through our award-winning platform, particularly our speed-to-market and our ability to support any type of financial data and deliver truly personalized customer experiences, enabling us to support all areas of financial services.
Our platform is proven, live, and deployed within major financial institutions, driving measurable strategic impact in the real world. Our journey illustrates not just where we’ve been but where we’re headed; towards a future where financial services are more accessible, engaging, and secure for everyone, everywhere.
Ireland is one of those countries that seems to produce a disproportionately high amount of fintech innovation for its small population. Do you agree?
Dunne: Yes, the talent, technical agility, regulatory maturity, and global reach from its open borders are why, in my opinion, Ireland is considered a world leader in producing scalable, enterprise-grade fintech.
Ireland’s fintech sector punches above its weight because it combines a large, mature financial services sector with a world-class founder, technology, and talent ecosystem, together with the unique geopolitical advantage of being the EU’s English-speaking gateway. This, coupled with a landscape of strong investment partners to support innovation and growth, significantly contributes to the vast fintech innovation here in Ireland.
What accounts for that success?
Dunne: Ireland’s strategic geography and EU membership, combined with an English-speaking, common law legal system, simplify international scaling and business operations.
We offer an attractive tax and business environment alongside a mature financial services industry that supports new fintechs to build on existing infrastructure. Bolstering this foundation is the availability of a skilled workforce, the co-location of major technology players, and proactive investment and support for innovation and R&D from state agencies
The ecosystem benefits from a strong mix of experienced startups and multinationals, access to global capital, and regulatory openness to innovation, fostering a culture where firms are built to focus globally rather than just domestically.
What is the fintech scene like in Ireland right now?
Dunne: The fintech sector in Ireland is currently dynamic, resilient, and expanding, establishing the country as a key international fintech hub. Over the past five years, the sector has attracted significant investment, and despite the global slowdown in fintech investment, Ireland—in 2024, according to KPMG Ireland—experienced over 290% growth in investment compared to the previous year, continuing to demonstrate growth and resilience.
What can we look forward to seeing from Dimply in the months to come?
Dunne: Our near-term strategic focus is twofold: Product-Led Growth (PLG) and the rapid advancement of our AI capabilities. We are implementing the PLG model to ensure our technology is easily accessible and immediately beneficial, effectively putting the platform into the hands of as many people as possible. Importantly, we are also intensifying our investment in AI, using cutting-edge machine learning to deepen personalization, improve predictive insights, and automate complex financial journeys.
This combined approach—maximizing distribution through PLG and delivering unparalleled intelligence through AI—is central to our mission: to enable demonstrably better, more confident financial decisions for every user.
With hundreds of unique fintech solutions available to help diversify your offerings, identity protection may not be at the top of the list. However, as identity fraud becomes increasingly common, differentiating your firm with an identity protection solution may be beneficial for both your firm and your customer.
In this video interview, recorded at FinovateFall 2025 in New York, we explore how PrivacyGuard is turning validation into a competitive edge. I spoke with Christopher D’Aprile, Director of PrivacyGuard, who joined us in a conversation where he explored the latest trends in identity protection, its relevance for banks and credit unions, and actionable strategies for implementation.
“You want to find new products and services to bring to your customers,” said D’Aprile, “but let me be honest with you. Your customer does not want to buy a magazine subscription from a bank. They want something relevant. Identity theft protection is exactly that. If you can adopt that solution, we already have the recipe to turn it into a non-interest revenue-generating machine.”
Connecticut-based PrivacyGuard was founded in 1991 and offers a comprehensive suite of credit reporting, credit monitoring, and identity theft protection services. The company offers alerts from all three credit bureaus and scans the dark web for users’ personal details. PrivacyGuard offers three plans: Identity Protection, Credit Protection, and Total Protection.
D’Aprile serves as Director of PrivacyGuard. He is well-seasoned in the importance of digital identity, having previously held an executive position at Allstate Identity Protection. With more than 30 years of experience driving growth across financial services, insurance, and technology sectors, he specializes in building partnerships with banks and credit unions to deliver identity theft protection solutions that both safeguard consumers and open new non-interest revenue streams.
Block’s Cash App rolled out its largest update ever, adding 151 new features spanning banking, bitcoin, payments, and AI-driven automation.
The app will soon let Cash App’s 58 million users send and receive stablecoins, automatically converting between fiat and crypto to bypass legacy payment rails.
A new Moneybot feature delivers personalized financial insights, while Cash App Green expands banking perks like 3.5% APY savings and fee-free overdrafts.
Block-owned Cash App unveiled its Fall Release this week. The move marks the brand’s most significant product expansion since it was founded in 2013. The new release brings 151 new features across banking, bitcoin, commerce, peer-to-peer payments, and AI and automation on the platform.
Among the releases, one of the most relevant is the new stablecoin capability. When it goes live early next year, Cash App’s 58 million customers will receive a blockchain address that will allow them to send and receive stablecoins directly on the platform. When users receive stablecoins, they are automatically converted to fiat currency within the app. Conversely, fiat dollars sent out convert back to stablecoins on-chain. Leveraging the blockchain to transfer funds will help Cash App bypass ACH, card networks, and correspondent banking.
Other notable releases among the 151 announced are:
Cash App Green
Arguably the second most significant piece of the new launch is Cash App Green, a flexible banking program that expands banking tools to more than eight million qualifying customers. Cash App is positioning the banking program as a benefits program, and will pay 3.5% APY on savings, offer free overdraft coverage of up to $200, facilitate no-fee cash withdrawals from in-network ATMs, extend higher borrowing limits, offer free overdraft protection, and lend up to $500 without a credit check. Users can unlock these benefits by spending $500 or more with their card or depositing $300 or more in paychecks each month.
Moneybot
This AI-powered feature offers users real-time insight and personalized suggestions within the app. The feedback, which is based on in-app activity, helps customers budget smarter, identify trends, and build financial confidence.
Expanded access to credit
Cash App’s lending product, Borrow, is now available to eligible customers in 48 states. This expansion targets underserved populations with low credit scores. Cash App disclosed that 70% of Borrow users have credit scores below 580, while repayment rates remain above 97%.
Expanded teen savings and safety features
Cash App’s teen accounts for users 13 to 17 year of age now earn 3.5% APY on their savings balances. Additionally, the company is releasing new parental controls to allow the primary accountholder to set spending caps, limit features, and approve contacts.
Making bitcoin everyday money
In addition to the stablecoin capabilities mentioned above, Cash App customers will be able to spend, send, and hold bitcoin. When users select USD as a currency for Lightning QR Code payments, they can make the payment without spending or holding bitcoin. Additionally, customers can access a new map to find and pay nearby merchants who accept bitcoin.
Cash App was founded in 2013. At the time, Cash App most directly competed with Braintree’s Venmo. Twelve years on, Cash App still has its roots in peer-to-peer payments, but has since diversified into a more robust digital banking platform that enables users to hold funds, deposit their paychecks, spend their money, invest, manage their bitcoin, and file their taxes.
Today’s announcement, which comes four months after Cash App launched a group payment feature called Pools, is a clear statement that the company is seeking to compete in the challenger banking arena.
