With AI and Automation, Personetics Act Turns Banking Apps into Financial Wellness Apps

Courtesy of new AI-powered technology, cognitive analytics specialist Personetics has made it that much easier for bank customers to save money and pay off debt. The new solution, Personetics Act, leverages automated algorithms to help customers define and set actionable financial goals. The technology then analyzes the customer’s finances to see ways that funds and payments can best be arranged to meet those goals whether the customer is simply looking to save more, retire debt faster, or set aside money for a specific goal at a specific time.

“We believe that automated programs personalized to individual customer needs and objectives will soon become an essential part of every bank’s product portfolio,” Personetics co-founder and CEO David Sosna said. He added that Personetics is already providing automated money management technology to “some of the world’s leading banks.” Available as a white-label solution, Personetics Act can help banks attract and retain customers whose primary accounts are with other institutions, as well as increase wallet share for current account holders. Customers get an intelligent money management solution that learns user’s preferences and optimizes its recommendations with use.

More than the latest in Personetics’ suite of cognitive banking solutions, Personetics Act embraces the trend toward “turning mobile apps from banking apps to personal finance apps” as Sosna told American Banker, which called the technologies “a digital CFO in your pocket.” Also writing for American Banker, Penny Crossman noted that FIs like Wells Fargo have been working with Personetics to create financial wellness solutions guided by predictive analytics. One such implementation was Wells Fargo’s Daily Change app launched last year that is powered by Personetics. The app enables customers to link checking and savings accounts and schedule transfers between the two.

Founded in 2010 and headquartered in Tel Aviv, Israel, Personetics demonstrated its Personetics Anywhere chatbot solution at FinovateFall 2016. The company began the year with an investment from Santander’s venture capital arm, Innoventures, and a deal to power a new chatbot launched by Societe Generale. Personetics has raised $18 million in total funding.

Finovate Alumni News

On Finovate.com

  • Blockchain Lands $40 Million Series B.
  • With AI and Automation, Personetics Act Turns Banking Apps into Financial Wellness Apps.
  • Student Loan Genius Joins Inaugural U.S. Class of BBVA Program for Social Entrepreneurs.

Around the web

  • Greater Wyoming FCU ($23 million in assets) transitions to integrated banking solutions from Fiserv.
  • Mitek adds Jeff Davison as new Chief Financial Officer.
  • Trustly readies first The State of Online Banking report for release next week.
  • ZipZap chosen to participate in U.K. Financial Conduct Authority (FCA) Regulatory Sandbox.

This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.

 

Finovate Alumni News

On Finovate.com

  • Spiff Partners with Nordea Liv to Launch Mobile Savings App.
  • PayPal Acquires TIO Networks in $230 Million Deal.
  • Qumram’s Regtech Offering Lands $1.49 Million

On FinDEVr.com

Around the web

  • TransferWise announces integration with Facebook Messenger.
  • Valiant Bank to deploy new customer engagement platform from Backbase.
  • Thomson Reuters Labs’ latest data science lab opens in Singapore.
  • Malauzai reports record growth for 2016.
  • Santander’s VC arm invests undisclosed amount in Personetics.
  • Standard Chartered leveraging WeChat’s online payment gateway to launch e-commerce solution for corporates.

This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.

Société Générale to Launch Personetics-Powered Chatbot

Personetics_homepage_January2017

Looking for a fintech to build a chatbot for your bank? Tucked inside a recent survey by Personetics was this note from the Head of Innovation Lab at BRD Groupe Société Générale, Horia Velicu. The survey measured attitudes among decision-makers at more than 200 financial institutions toward chatbot technology.

Our goal is to create an experience in line with how customers want to interact with businesses in the digital age. If I can order a ride or buy food on Facebook Messenger, I should also be able to manage my money in the same conversational and real-time environment.

And lo and behold, both Finextra and American Banker have cited Société Générale as one of the major FIs exploring chatbot technology and turning to Personetics to do it. SocGen plans to introduce their chatbot through its Romanian banking unit later this year. And while the initial deployment will be limited to responding to investor queries about equity funds, success here will lead to other uses of the chatbot, such as retail deposit accounts and billpay, as well as rolling out the technology in other areas.

Personetics_stage_FF2016

Pictured (left to right): Solution Architect Sudharshan Krishnan and CEO/co-founder David Sosna demonstrating Personetics Anywhere at FinovateFall 2016.

“The true test for conversational commerce is in the ability to solve real problems and guide customers through meaningful and sometimes complex commercial and financial activities,” Personetics co-founder and CEO David Sosna said. His company’s survey revealed that more than three quarters of those who responded said they believed chatbot technology would be “a viable commercial solution now or within the next 1 to 2 years.” Additionally, a majority of respondents believe a “substantial share” of customer interactions will be managed by chatbots within the next 3 to 5 years.

Personetics specializes in helping banks create personalized digital experiences for their customers. Founded in 2010 and headquartered in Tel Aviv, Israel, Personetics demonstrated its Personetics Anywhere chatbot at FinovateFall 2016. The company launched its Chatbot Bootcamp last fall, and earned a spot in the FinTech Forward 20 “Companies to Watch” roster. We featured Personetics in our look at Finovate alums “representing fintech innovation in Israel” last summer, and profiled the company in our Finovate Debut series. In addition to Anywhere, Personetics offers a next-generation, natural language powered, digital self-service product, Personetics Assist, and a customer relationship solution called Personetics Engage that leverages predictive analytics to enable banks to help customers reach financial goals.

Finovate Alumni News

On Finovate.com

  • Revolut Unveils Billsplitting Feature.
  • Check out this week’s FinDEVr APIntelligence.
  • ThreatMetrix Shows Off its Strongest Year Yet.
  • Société Générale to Launch Personetics-Powered Chatbot.

Around the web

  • Five Degrees provides CRM and BPM technology for new UK robo advisor, Munnypot.
  • Coinbase wins New York State Department of Financial Services (NYDFS) virtual currency and money transmitter license.
  • FICO and Ethoca partner to improve card acceptance rates, fight CNP fraud, and reduce disputes.
  • PwC and Oracle team up to help FIs meet new accounting standards.
  • Handpoint expands line of commerce solutions with semi-integrated mobile EMV for cloud POS.
  • Guardian Analytics appoints Varouzhan Ebrahimian as the company’s new Chief Technology Officer.
  • Finextra: Blockchain launches Digital Asset Research Lab.
  • Savedroid celebrates reaching 50,000 download milestone within three months.

This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.

Finovate Alumni News

On Finovate.com

  • Finovate Debuts: Juvo’s Identity Scoring Builds Credit for the Underserved.

Around the web

  • Techfoliance features Dyme, Personetics, and Finn.ai.
  • Cryptocoins news examines LendingRobot’s new automated hedge fund.
  • The CardLinx Association unveils Microsoft-developed, open source, card-linking software available to public.
  • Capital One forges strategic partnership with Bill.com and Gusto to develop financial management tools for SMEs.

This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.

Finovate Alumni News

On Finovate.com

  • FinDEVr Silicon Valley: When You’re a Dev, You’re a Dev All the Way
  • DriveWealth Brings Robo-advisory to Latin America in New Partnership with Alkanza. See DriveWealth make its FinDEVr debut next week at FinDEVr Silicon Valley 2016.

Around the web

  • Personetics launches Chatbot Bootcamp.
  • Klarna unveils online retailer financing.
  • ACI Worldwide to provide back-end tech for TransferWise’s integration into the Faster Payments Scheme.

This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.

Finovate Alums Earn Spots in FinTech Forward 20 “Companies to Watch”

fintechforward_americanbankerbai

Half of the companies in the FinTech Forward 20 “Companies to Watch” list presented by American Banker and BAI this week are Finovate/FinDEVr alums. These 10 companies range from payments innovators and security specialists to alt-lending platforms and mobile banking app builders—the list even includes a pair of alums that have earned multiple Best of Show awards.

“The following 20 companies are the standouts among a pool of companies that nominated themselves and ones familiar to our judges,” American Banker declared in an announcement accompanying a slideshow of the FinTech Forward 20. When evaluating the various companies, judges were encouraged to ask themselves questions such as: “Is this organization solving relevant problems for the banking industry?” and “Does it speak to the challenges the industry faces now.”

Below are the ten Finovate/FinDEVr alums that made the cut. The rest of the FinTechForward 20 is listed below.

  • Currency cloud (FF16)
    • Founded in 2012
    • Headquartered in London, United Kingdom
    • Michael Laven is CEO
    • $35 million raised
  • identitii (FF16)
    • Founded in 2014
    • Headquartered in Sydney, Australia
    • Nick Armstrong is co-founder and CEO
  • BehavioSec (FF15)
    • Founded in 2007
    • Headquartered in Stockholm, Sweden
    • Neil Costigan is CEO
    • More than $8 million raised
    • Two-time Finovate Best of Show winner
  • InSpirAVE (FF16)
    • Headquartered in Pittsburgh, Pennsylvania, and New York City, New York
    • Om Kundu, founder, is CEO and chairman
  • Moven (FF16)
    • Founded in 2011
    • Headquartered in New York City, New York
    • Brett King, founder, is CEO
    • More than $24 million raised
    • Two-time Finovate Best of Show winner

Commenting on its spot on the list, Finovate newcomer InSpirAVE founder and CEO Om Kundu said the recognition was a “testament that our patent-pending technology enables financial institutions partnering with us to set themselves apart.” Kundu said his company’s solutions help FIs “tangibly boost deposits and payments revenues” as well as improve customer engagement and share-in-wallet in enduring ways.

Co-founder and CEO of CUneXus credited his firm’s one-click consumer-lending technology for catching the Fintech Forward judges’ attention. He said banks and credit unions were growing the size of their loan portfolios and “competing with emerging technologies” by adopting CUneXus’ solutions.

Speaking for Alkami Technology, which demoed at Finovate 2009 as iThryv, founder Stephen Bohanon, chief strategy and sales officer, pointed to his company’s flagship Alkami ORB platform and called it an example of the sort of “user experience brought about by great design and tightly coupled integration” that increasingly will set FIs apart. “ORB gives banks and credit unions a competitive advantage by placing strong emphasis on delivering the ultimate digital banking experience,” Bohanon said.

Also on the Fintech Forward 20 Companies to Watch list were:

  • Autobooks
  • Kasisto
  • ClickSWITCH
  • Built
  • BookingBug
  • Lenndo
  • Supipay
  • Self Lender
  • Private Wealth Systems
  • Yantra Financial Technologies

Fintech Forward is a collaboration between American Banker and BAI that combines research, media, and event hosting into a single professional, educational enterprise. In addition to its Fintech Forward 20 “Companies to Watch” list, Fintech Forward also publishes a Top 100 Companies and Top 25 Enterprise rankings.

Fintech Trending: Bots Break Out, AI Gets Personal, and Blockchain Buys the Farm

finovatefall2016_stage_crowdshot

Is it fair to judge a fintech conference based on the way it reflects, anticipates, and even uncovers what’s most important in the field? We think so, and were once again impressed by the way FinovateFall this month helped spread the story of fintech in the second half of 2016.

After all, we read about new technologies every day. But once the wow factor subsides, the question remains: Does it really work? Is anybody, any bank, any business in the real world actually putting this great looking, great sounding technology—these bots, this blockchain—to the test?

The good news is that the good news is true: new technologies like chatbots not only work, but were demonstrated live on stage by companies like Personetics (F16); Fiserv (F16); Kore (F16); and FinovateFall 2o16 Best of Show winner, Backbase (F16). We can even include companies like Clinc (F16) in this category of innovations that make it easier for people to communicate with technology. Clinc, which also won Best of Show honors at FinovateFall, developed and demonstrated an artificial intelligence-based natural language, using an intelligent assistant that earned rave reviews from both attendees and the media.

  • “Backbase promises 60-second customer on-boarding with new solution”—Banking Technology
  • “Bots Are Everywhere, But Are They Ready for Banking?”—Bank Innovation

What about the blockchain, you ask? Earlier this year at FinovateSpring, our attendees awarded a Best of Show trophy to BanQu (F16), a company that uses blockchain technology to help refugee and displaced persons re-establish community ties through identification and financial inclusion. This month at FinovateFall, we met Full Profile (F16), an Australian company leveraging the blockchain to support real-time settlement, financing, and provenance-tracking of agricultural commodities.

  • “Blockchain technology extends to agricultural contracts”—The Australian

But FinovateFall was about more than the most headline-grabbing technologies. As our Best of Show voting revealed, the appeal of technology to solve more everyday problems—be it buying a car or a gift card—remains strong as well.

“You’ve Got A Car!” and a Digital Revolution in Regifting

This certainly seems to be what Finovate attendees had in mind when it came to Finovate newcomer and Best of Show winner AutoGravity (F16). Founded last fall, the Irvine, California-based startup leverages the smartphone to make every aspect of the car-buying experience easier, from initial selection of a vehicle all the way through the financing process. As with a growing number of fintech solutions, AutoGravity combines several innovations we’ve seen individually in fintech demonstrations over the years—document scanning; the integration of social media with credit application; geolocation—to produce a solution that seeks to disrupt traditional auto financing as we know it.

Swych (F16), the mobile gifting platform that also won Best of Show, is another example of technology making magic out of the otherwise mundane. The company facilitates the purchase, sending, redemption, and exchange of gift cards using digital technology that puts the smartphone at the center of the process. Based out of Plano, Texas, Swych’s technology brings the gift card industry into the 21st century, potentially helping breathe new life into what is typically thought of as the “gift of last resort.”

  • “Mobile tech for automobile lending, gift card redeeming snag top prize at Finovate”—Bizjournals
  • Brief: FinovateFall 2016 Best of Show—CrowdfundInsider

Security: short and sweet

It is no exaggeration to say that Trusona (F16), a two-year-old security specialist out of Scottsdale, Arizona, provided one of the most well-received demos of the year. And a large part of what made it so successful (and such a must-watch) was the way the demo itself embodied the dream of a simple security solution that works the same way every single time.

By quickly and effortlessly authenticating and logging in repeatedly in the course of six minutes, Trusona CEO and founder Ori Eisen did what every person who has ever wracked their brain for their most recent password, or struggled to enter a captcha code on a mobile phone, wants out of a security solution: Make it fast, make it easy, make it work the same way every single time. With plenty of competition in the security space from innovators on stage and off, it is no surprise that Trusona, with its #nopassword campaign and did-I-mention-it’s-free offering, stood out from the pack.

  • “Trusona Wins ‘Best of Show’ at FinovateFall 2016—MarketWired

Everybody loves a (six-time) winner

No discussion of FinovateFall would be complete without a tip o’ the hat to MX (F16). The company took home its sixth Best of Show trophy, impressing audiences with its PowerSwitch technology that allows an FI to quickly establish a new card of reference for consumers across a variety of platforms such as Netflix, Uber, Hulu, and Amazon.com. This gives financial institutions a powerful tool in attracting new customers and in providing new options to existing customers. It also gives FIs potential access to what MX CEO Ryan Caldwell called “a mountain of interchange”—more than $200 billion in 2015 according to MX—that banks and credit unions can’t afford to miss.

  • “MX Achieves Innovation Milestone, Becomes First Company to Win Finovate Best of Show Six Times”—MX Blog

For more coverage on FinovateFall, check out our press roundup and our FinovateFall on Twitter post.

In other news

A hybrid debit/credit card

San Francisco-based startup Zero raised $2.5 million this week. While the investment sum is not particularly notable, what the company is doing certainly is.

Zero offers a Visa credit card that works in conjunction with a mobile app, but it’s not just another alt/neo/challenger bank. The differentiating factor is that Zero deducts money from the user’s account in real time just like a debit card, so there is no monthly bill. Unlike a debit card, however, transactions process on credit card rails so cardholders receive from 1% to 3% cash-back on purchases. It also touts no fees and pays higher interest on deposits (though they don’t yet specify how much) than traditional savings accounts.

The credit card is made out of solid metal and the app offers great looking PFM tools that forecast users’ balances into the future. Clearly, the startup has millennial users in its sights and claims to have the potential to increase a credit score, since there’s no way to default on payments.

The company makes money on merchant processing instead of charging fees to users. It also saves money on advertising by using a pyramid-scheme referral approach (which worked on me as I shamelessly promoted them on Facebook yesterday).

With recent talk of credit cards falling out of favor with millennials because of their hesitancy toward debt, Zero offers an option that provides the best of both worlds—the cash-back and credit-building opportunities that come with credit cards, and the real-time transactional capability of debit cards.

Another just-launched startup doing something similar is New York-based Debitize. However, Debitize does not issue a new credit card but instead aggregates customers’ existing credit-card transactions and initiates a real-time transfer from their checking account to cover the charges. Keep an eye on this space; we think we’ll see FIs picking up on this idea in the next couple of years (presuming regulators allow the practice).

New ACH regulation

The first phase of same-day ACH-transfer regulation lands today. And while the final phase will not hit until March 2018, all bank and credit union accounts must now accept same-day transfers.

To help banks move forward with the new rule, Dwolla (F11) launched a white-label API for same-day ACH. The API, which is in a pilot program, currently supports credits only. Dwolla will roll it out with more partners in Q4 of this year.

The Clearing House, the organization behind the ACH modernization, has partnered with IBM’s (F16) Power8 to serve as the hosting program for same-day ACH. U.K.-based Vocalink (purchased by Mastercard in July 2016) is set to deliver the platform, which will roll out to banks in the U.S. within the next year.

Ready for a Sneak Peek? How to Best Prepare for FinovateFall

StageIMG

To give you a sense of the many new ideas at the upcoming FinovateFall conference in New York, we’ve launched our Sneak Peek series. Eight companies are featured each week leading up to the 8/9 September event (tickets now available).

In the meantime, here is a quick summary of the 66 announced companies (six more are in stealth mode). It’s a lot to take in; pace yourself!

  • Agreement Express offers an an end-to-end platform that helps traditional financial institutions automate labor-intensive parts of the customer onboarding process to remain compliant while quickly opening customer accounts.
  • Aleo’s marketplace uses e-procurement, e-commerce and supplier financing bundled in a single open platform to offer small and medium enterprises an online procure-to-pay solution.
  • AutoGravity’s mobile-first digital marketplace helps digitally minded customers, looking to buy and finance a vehicle, circumvent the inefficiencies of the auto-financing process by leveraging the full potential of their smartphone.
  • Avoka’s customer-acquisition platform integrates multiple fintech services to help banks, wealth managers and insurers use mobile and digital channels to onboard customers.
  • Backbase offers 60-second onboarding for financial services companies to accelerate customer acquisition with a simple, fast, and seamless omnichannel onboarding journey.
  • Bankjoy offers developers a banking API for a modern, real-time, holistic interface for credit unions and community banks.
  • Bitbond’s automated, international credit-scoring mechanism compares small business-loan applicants from different countries by using machine learning and data from the applicant’s business accounts.
  • Bluescape offers large financial services companies a highly interactive, visually collaborative platform that uses real-time, cloud-based architecture that’s ultra-scalable, all-capturing, and accessible anytime from any device.
  • BondIT offers financial advisers and portfolio managers a data-driven solution that uses machine learning advanced algorithms to manage fixed-income portfolios and solve optimization challenges.
  • brandCrowder has developed an alternative investment platform focusing on branded franchises. It leverages 45+ years of franchise-operations experience to help retail investors finance franchises, helping to bring them to market quicker.
  • Clinc’s mobile, voice-activated personal financial adviser uses artificial intelligence to help consumers get answers to financial questions and tasks.
  • Consdata offers banks and financial institutions a comprehensive platform for e-form management and customer-communication complexities.
  • Currencycloud’s dedicated API services use intelligent APIs to help businesses with the cost, limitations, and boundaries of existing payment infrastructure.
  • Daon bridges convenience and security by offering financial services companies a mobile biometric authentication platform that turns a smartphone into a mobile capture device.
  • Divy’s app and social investing community uses an approachable interface and engaging content to help first-time and emerging investors access direct marketing and financial literacy material.
  • Dynamics offers issuers and their cardholders interactive payment cards and an authorization-based, real-time loyalty processing system.
  • ebankIT’s platform offers financial institution clients an omnichannel experience.
  • Econiq’s Conversation Hub uses color-coded conversations to help bank and insurer frontline staff, and operational management and executives avoid disconnected customer conversations in branches and contact centers.
  • Envestnet | Yodlee offers millennials a solution for measuring financial health and promoting a healthy financial lifestyle.
  • Experian CrossCore is a single platform that helps manage customer identities, fraud-prevention tools, workflows and decision strategies in an easy-to-use and scalable format.
  • EyeVerify’s Eyeprint ID offers banks and other financial services companies eye biometrics via smartphone cameras for convenient, secure and private authentication.
  • Featurespace’s ARIC Engine helps financial services clients spot and prevent fraud attacks in real time using adaptive behavioral analytics.
  • Finicity offers an API for companies to build financial apps.
  • Fiserv helps financial institutions enable social finance by providing customers access to a safe, collaborative bank-secured social funding product.
  • Full Profile uses the blockchain and smart contracts for real-time settlement and reporting of physical agri-commodities to help farmers, buyers, banks and government counter party and credit-risk exposures.
  • FutureVault’s cloud-based filing cabinet helps financial service providers and their clients organize asset documents and accounts using a secure, structured and collaborative B2B2C cloud environment.
  • GainX’s SaaS platform uses decades of market research and leading-edge technology to help large financial institutions overcome innovation and adaption failures.
  • GoodData helps large banks, credit-card processing and insurance companies commercialize and monetize their data using a scalable, manageable and secure platform that is exclusively designed for data products and embedded analytics.
  • iBank Marketing offers millennials a multifunction digital wallet to help them achieve personal goals around life events by using its local eco-system that bridges consumers and small- to medium-sized enterprises.
  • identitii uses tokens and blockchain to help financial institutions with KYC, CTF and AML compliance using an information layer over legacy systems.
  • InSpirAVE’s social e-commerce platform curates advice and financial support from the user’s friends and family, financial institutions, and merchants. It helps multiply savings, for big-ticket purchases for customers who otherwise may not be able to afford them, by placing important goals for life’s special moments within reach, without the crushing burden of debt.
  • KORE’s platform transforms enterprise applications, online banking and mobile apps into personalized, conversational engagements to help financial institutions meet customer-experience expectations using the power of bots and simplicity of messaging.
  • LendingFront’s lending platform leverages a cloud-based system that furnishes small businesses with capital using their cashflow data.
  • Lidya offers African small- to medium-sized enterprises access to finance using online receivables-based lending and proprietary credit scoring.
  • Liferay’s Digital Experience offers banks a richer understanding of customers by orchestrating personalized customer experiences.
  • M1 Finance places assets held in low-yielding cash accounts into an asset-linked bank account and intuitive investment platform.
  • MapD’s Immerse helps quantitative hedge fund and asset managers query datasets with billions of rows in real-time by applying the parallel processing power of GPUs to the challenges of databases, visualization and analytics.
  • MarketX’s cross-border investment platform helps international investors with the lack of liquidity for U.S. startup shares and limited access to U.S. pre-IPO investment opportunities.
  • ModoPayments offers financial companies a digital payments hub to connect disparate sources of value to diverse destinations using Modo’s COIN technology.
  • Moonraft Innovation Labs helps banks innovate and evolve by rapidly adapting to changing market needs using Catamera, its unique customer experience delivery framework.
  • Moven’s growing platform reaches the millennial, mobile first, digital native audience by bringing banking (specifically savings) into the moment.
  • MX helps financial institutions become true advocates for their account holders by using analytics to power a revolutionary category of data-driven money management.
  • nanoPay offers a payments and loyalty solution for merchants.
  • Overbond’s digital platform offers transparency, efficiency, and liquidity in the fixed income market for corporate issuers, investors, and dealers.
  • Personetics offers financial services providers a digital personalization platform that uses real-time, ultra-scalable predictive analytics to keep customers engaged in the digital age.
  • ProActive FinTech uses a phone app and debit card featuring unlimited mini bank accounts and pre-purchase categorization to help millennial moms with cash-flow management.
  • QE Data offers commercial banking systems a real-time predictive model for net cash-flows that uses machine learning, rich visualization, speedy deployment and real-world banking experience.
  • Qumram uses 100% real-time, video-like recording of every mouse movement, keystroke and button click to help financial services organizations with compliance and transparency issues relating to digital business.
  • RightCapital’s financial and tax-planning platform helps advisers deliver unbundled, quality financial planning and tax-planning services. It works to efficiently and digitally help consumers with the lack of viable business and technology solutions.
  • SaleMove offers financial institutions a live engagement platform to help sell and service complex financial services products online. The platform uses instant video chat and guided browsing with no downloads or installations.
  • Sindeo’s self-directed consumer rate quote and prequalification tool simplifies home financing and refinancing using an integrated platform that offers consumer, real estate partner, and adviser tools that conform to CFPB regulation and ensure a simple and easy consumer experience.
  • SpeechPro’s customer onboarding solution offers multichannel access to help CTOs, developers and other technologists focus on KYC, identity and verification.
  • Swych’s mobile gifting platform offers gift-card recipients a better way to buy, gift, and manage gift cards.
  • Tango Card’s RaaS API 2.0 uses simple-yet-complete delivery technology and domain expertise to help enterprises deliver incentives efficiently and effectively.
  • TokBox’s Financial Services Accelerator Pack offers banks and financial organizations secure and easy-to-embed, real-time communications technology.
  • TransUnion’s interactive data-visualization solution uses big data and analytics to connect and interpret consumer financial data for lenders.
  • Trulioo’s GlobalGateway uses traditional and cyber ID data sources to offer banks, financial services providers, and online marketplaces secure access to reliable, global data sources for instant ID-verification.
  • Trusona’s anti-replay and TruToken technology offers an insured identity platform for sensitive assets.
  • Unbill’s API enables companies to offer bill pay in their app or technology platform without complicated integration or high costs.
  • Uniken’s REL-ID, a card-not-present approval solution, uses mobile API tool kits and DMZ software appliances to help enterprises secure mobile communications.
  • Urban FT’s enhanced, white-label digital banking platform gives financial services organizations, wireless carriers, and other consumer-facing organizations a long-term, competitive advantage that makes their brand integral to customers’ daily financial and online social activities, financial tools, and social features.
  • Xentral Station’s supply-chain funding app helps vendors of all sizes receive cash for trade financing within 24 hours.
  • Zenmonics uses a single, common platform to help banks and their customers minimize friction in customer engagement with channelUNITED.
  • Zooz offers an agnostic, cross-border payments platform to help merchants act on payment processes and save money to maintain their client base.

Stay tuned on the blog for more detailed descriptions. And don’t forget to register now to reserve your spot.