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Recently in ETRONIKA Category

  • Thumbnail image for Thumbnail image for Thumbnail image for Finovate-F-Logo.jpgXero acquires software developer Max Solutions.
  • The Myndset interviews Joe Salesky, founder of FreeMonee.
  • Business Insider walks through Personal Capital's iPad app.
  • Smart Biz touts the benefits of Xero's accounting software.
  • FeeFighters acquired by Groupon for undisclosed amount.
  • Monitise buys competitor Clairmail for $173 million.
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.
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  • MIT Technology Review covers Dwolla.
  • BlackRock teams with DCisions to improve contribution portfolio benchmarking & customer insight capabilities.
  • Dwolla, FamZoo, LendingClub, SecondMarket, & Segmint listed in the Coolest Startups in America book.
  • ProfitStars introduces BusinessManager for healthcare providers.
  • Authentify launches 2CHK out of band authentication technology.
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.
etronikaLogo2.jpg

In the week after FinovateEurope, I've been keeping track of press coverage from the conference. The media has generated a lot of buzz* about ETRONIKA's use of Microsoft Kinect for online banking.

ETRONIKA, a Lithuanian startup, uses Kinect technology to provide users access to their online bank account via face and voice recognition, followed by a PIN number. After logging in, clients can navigate the system using voice commands and sweeping hand gestures.

Because this was the first time the Finovate team had ever seen this type of unique financial technology, we eagerly awaited seeing the demo. On the rehearsal day before the show, the microphones interfered with the voice recognition feature**. We sweated it out as the audio/visual team adjusted their equipment to minimize the echo caused by the large auditorium.

When ETRONIKA stepped up to the stage on the day of the conference, all fingers were crossed. Fortunately, the technology worked (almost) flawlessly, and the startup was able to share its unique technology with the audience.

ETRONIKA's demo video will be posted on the Finovate website in a few weeks.

--------------------------------------------------------------------------------------------------------------------

*Press coverage includes:

Bank Innovation
7 New Services Launched at FinovateEurope 2012
by Mary Wisniewski

Commercial Integrator
Etronika Unveils Improved Microsoft Kinect-Based Online Banking
by Rachel Cericola

I Programmer
Kinect The Ultimate Security Device
by Harry Fairhead

Inside Brunei fm
ETRONIKA Brings online banking to Gesture Control, But Why?
by Roshan Jerad Perera

My Bank Tracker
Wave Your Arms in the Air: Etronika's Gesture-Based Banking
by Willy Staley

Slash Gear
ETRONIKA produce Kinect-based online banking
by Chris Burns

TechCrunch Europe
Lithuanian company develops Kinect-powered online banking system
by Mike Butcher

Ubergizmo
Kinect based online banking from Etronika a reality now
by Edwin Kee

Visible Banking
Etronika: Kinect Banking at the Branch, Minority Report Style [INTERVIEW]
by Christophe Langlois

**The voice-recognition feature works fine in a normal setting, this issue was solely caused by audio/visual technicalities. 

  • Thumbnail image for Thumbnail image for Thumbnail image for Finovate-F-Logo.jpgAmerican Banker reports SmartyPig adds office in India.
  • American Banker reports PayPal digs even further into the prepaid card market.
  • TechCrunch Europe covers ETRONIKA's FinovateEurope presentation.
  • VentureBeat lists Danny Shader, CEO of PayNearMe, as an entrepreneur using startups to change the world.
  • Since Aptys Solutions 2010 launch, over 1,000 commercial banks now use PayLOGICS platform to process payments.
  •  Diversinet Corp. appoints Dr. Hon Pak as the company's CEO.
  • Cartera Commerce named to OnMedia 100 Top Private Companies List.
  • AccMan looks at how CurrencyFair solves multi-currency cost issues.
  • INDYCAR partners with Segmint to reward race fans.
  • MasterCard forms alliance with Silver Tail Systems.
  • Peter Thiel's Valar Ventures contributes to Xero's recent $16.6 million in funding.
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.
Thumbnail image for Thumbnail image for Thumbnail image for Finovate-F-Logo.jpg
  • Balance Financial looks at lessons Facebook can teach about personal finance.
  • Pandodaily takes an in-depth look at BillGuard.
  • ThreatMetrix & TransUnion launch fraud prevention platforms.
  • Expensify claims to lead the ScanAnywhere alliance against toxic receipt menace.
  • Kony introduces version 2.0 of mobile banking application.
  • Ubergizmo reports: Kinect based online banking from Etronika a reality now.
  • IBM to purchase Worklight for undisclosed amount.
  • Dwolla raises $5 million in Series B from Union Square Ventures.
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.

FinovateEurope 2012 in the Press

Here's a look at press coverage from FinovateEurope on Tuesday:

ABA Banking Journal
Innovative payment startups, 2012 Edition

ArcticStartup
ETRONIKA Creates Kinect-Based Security For Online Banking
by Greg Anderson

Backbase Blog
FinovateEurope 2012: a brief review 
by Jelmer de Jong

BankInnovationLogo.jpg
Bank Innovation
7 New Services Launched at FinovateEurope 2012
by Mary Wisniewski

Banking Technology 
Finovate Europe packs in the punters

Blick Log 
Finanzinnovationen von der Finovate
by MNOCKERL 

bobsguide
Finovate Europe points way to the future
by Neil Ainger

Celent
Another take on Finovate
by Gareth Lodge

FinovateEurope 2012: More Payments and Mobile, Less PFM
by Zilvinas Bareisis

Innovative Payments Startups, 2012 Edition
by Zilvinas Bareisis

Commercial Integrator
Etronika Unveils Improved Microsoft Kinect-Based Online Banking
by Rachel Cericola

Finance 2.0
Finovate 2012: Der erste Eindruck
by Boris Janek

Financial Services Club Blog
The best of innovation in finance: #Finovate Europe 2012
by Chris Skinner

Finextra
Live at Finovate
by Pat Carroll

Finovate
AcceptEmail's Service Creates an Electronic Bill that Can Be Paid by Mobile

Actiance's Socialite Engage Helps Advisors Manage Social Media

Aimia and Cardlytics Help Merchants Track Offers and Revenue

Backbase Improves Bank 2.0 Portal Manager

Business Centric Services Group Launches CreditHQ

Brokertainment's StockBattle Lets Users Engage in Social Betting on Stocks

CurrencyFair Launches QuickTrade Feature

Dynamics Shows Off Smart Credit Card

eToro Introduces Guru Finder, Launches iPad App

ETRONIKA Revolutionizes How Users Interact with their Online Bank

Fenergo's Deal Manager Helps with Client On-Boarding and Account Opening

Figlo Makes Financial Planning Accessible on Any Device

FinovateEurope 2012 Live Twitter Transcript

Finsphere's Solutions Keep Online Banking Secure

Fiserv Introduces Mobiliti M-Cash

Handpoint Launches Secure Payment Solution for Tablets and Smartphones

Holvi Unveils Group Account Technology

IND Group's Banking-Front Office Gamifies Personal Finance

InvestorBee From DCisions Helps Users Make Sound Investment Decisions

Ixaris Demonstrates Customizable Card Program in a Box

Kabbage's ScoreKard Gives Online Merchants a Dashboard of Health

Liqpay's Zip.liqpay.com Allows for Easy Online Payments

Luup's Wallet System Facilitates the Internal Authorization Process

Meniga Upgrades PFM to Align with How People Think About their Money

miiCard Launches Open Beta of a Digital Passport for Online Identification

Mootwin Enables Users to Better Manage Mobile Apps

Nutmeg Offers a Tailored Investing and Saving Experience

PayPal Demonstrates Instant Account Creation

Ping Identity Shows How Financial Institutions Can Use Social Networking Logins

Sandstone Launches Mobile Banking App

Serverside's Technology Creates Viral Marketing Through Facebook

Service2Media Enables Secure Mobile Payments

Striata Launches Paperless Adoption Technology

Tradeshift's Instant Payments Gives Businesses a Faster Way to Receive Cash from Invoices

VALid from ValidSoft Uses Voice Authentication

Wipro Brings Customer Acquisition to the Tablet

ForresterLogo.jpgForrester Blogs
Finovate Europe 2012: Innovation In Digital Financial Services
by Benjamin Ensor

FSTech
Finovate Europe: best of show winners
by Scott Thompson

Hotwire PR blog
Finovate Europe 2012 - the aftermath
by Ben L

I Programmer
Kinect The Ultimate Security Device
by Harry Fairhead

Inside Brunei fm
ETRONIKA Brings online banking to Gesture Control, But Why?
by Roshan Jerad Perera

miiCard Blog
Impact of Financial Services in 2012, from FinovateEurope
by Cassie Anderson

A Cookie for Your Thoughts
by Cassie Anderson

Mircea Mihaescu Blog
Finovate London-- More Old News?
by Mircea Mihaescu

Money Marketing 
Ian McKenna: Technology the key to building scale
by Ian McKenna

Ian McKenna: The new wave of FS tech
by Ian McKenna

My Bank Tracker
Wave Your Arms in the Air: Etronika's Gesture-Based Banking
by Willy Staley

Nutmeg Blog
Nutmeg wins 'Best of Show' at Finovate Europe
by Aisha, Jono and Nick

OCTO Talks!
Innovation dans les services financiers: Retour sur Finovate 2012
by Joseph Glorieux 

Partners in Prepaid
Finovate 2012: New Kids on the Block
by Duygu Tavan

Payment Observer 
Trends and Innovation in Finance: FinovateEurope 2012
by Martin Schuppelius

psfk
Kinect-Powered Online Banking Logs You In With Your Face And Voice
by Emma Hutchings

Slash Gear
ETRONIKA produce Kinect-based online banking
by Chris Burns

TechCrunch Europe
Lithuanian company develops Kinect-powered online banking system
by Mike Butcher

TekFin
Financial Services and Data exhausts
by Yann

Ubergizmo
Kinect based online banking from Etronika a reality now
by Edwin Kee

Visible Banking
Cardlytics: Merchant Coupons within Online Banking [INTERVIEW]
by Christophe Langlois

Currency Fair: the P2P Marketplace to Exchange Currency on your Terms [INTERVIEW]
by Christophe Langlois

VisibleBankingLogo.jpg
Etronika: Kinect Banking at the Branch, Minority Report Style [INTERVIEW]
by Christophe Langlois

etoro: Copy Trading, Gamification and Personal Branding [INTERVIEW]
by Christophe Langlois

Finovate Europe 2012 (Photos, Videos, Crowdsourced Blog Coverage)
by Christophe Langlois 

Holvi: One Stop Shop for Groups - Crowdfunding, Budgeting, Expensing
by Christophe Langlois

iBrokr's StockBattle: the World's First P2P Option Game [INTERVIEW]
by Christophe Langlois 

IND Group: Bringing Gamification into the Online Bank [INTERVIEW]
by Christophe Langlois

Kabbage: for SMEs, More Social Media Engagement = More Cash [INTERVIEW]
by Christophe Langlois

LiqPay's Zip: a Payment Details Shortener 'bit.ly Style' [INTERVIEW]
by Christophe Langlois

Meniga's CEO: PFM Fully Integrated to Online Banking [INTERVIEW]
by Christophe Langlois

Nutmeg: Providing Private Banking Services to the Masses [INTERVIEW]
by Christophe Langlois

Ping Identity: Tapping Social Media to Customize Customer Experience in Banking
by Christophe Langlois

Serverside Group: Customize your Card Design on Facebook [INTERVIEW]
by Christophe Langlois

Vision Research Lab
Finovate-- look out for these companies
by Duygu Tavan

Finovate-- Who to look out for
by Duygu Tavan

Finovate: Hot stuff from Finland - meet Holvi
by Duygu Tavan

Zawya
Luup launches Mobile Travel Authorisation & Budget Management Service
FEUBadge.jpgHere's @Finovate's live Twitter stream from FinovateEurope on Tuesday, February 7.

Entries appear in chronological order:

Session 1

  • Here's the first Finovate demo. Nutmeg launch: "Investing the way it should be." LinkThumbnail image for Thumbnail image for Thumbnail image for TwitterBird.jpg
  • Nutmeg walking through investment goal setup; red popup tells you if you are drifting away from your goals and what to do about it.
  • Ping Identity launching methods for banks to integrate with social networks.>> huge priority for future. Link
  • Ping Identity demoing Facebook integration in account-opening process; has a number of integration ideas in the works with clients.
  • At Finovate, PayPal and la Caixa are launching PayPal account opening in 30 seconds by choosing email address and password. Link
  • Have found that PayPal account opening within la Caixa Bank environment increases account setup success by 2x to 3x. 
  • iBrokr AG, unit of Fidor Bank, is launching Stockbattle: Social betting on stock market. Link
  • iBroker demoing 1-euro bet on the stock value of a German company; has Facebook integration to share the bet to find a counter bet.
  • iBroker is easy, transparent, fun and accessible. A wildly innovative service to offer within an online banking or investment account.
  • BCSG is launching CreditHQ represents, a better way for small businesses to handle credit management. Link
  • BCSG's CreditHQ demoing credit management dashboard; has integration with collection agency to help followup with late payments.
  • Backbase launching major new features in Bank 2.0 portal including targeting to customer segments. Link
  • Backbase has cool widgets targeted to segments, showing student page mockup. Working with ABN AMRO, ING, DB, Barclays, and Visa.
  • Fenergo demoing "deal manager," client on-boarding and KYC compliance solution for corp banking/investments. Link
  • Fenergo showing dashboard to build the "credit pack" to pass to underwriting and back office departments; shows work-flow backlogs.
  • Service2Media and Rabobank introduce mobile payments via an existing banking application. Link
  • Service2Media showing cool mobile features: OCR recognition, "drag and drop" coins across page; "shake to clear."
  • CurrencyFair launching peer-to-peer foreign exchange transfers with its QuickTrade. Link 
  • CurrencyFair demoing a foreign exchange transaction, in this example a 68 GBP savings on 2000 GBP exchange; great user interface.
  • CurrencyFair has processed 90 million Euros, currently doing 0.5 million per day and growing quickly.
  • Holvi demoing "group account" replaces bank account with smart payment account designed for any group. Link
  • Holvi account assists groups with raising money, distributing cash, processing expense reports and tracking/ categorizing/ sharing it.
  • Holvi can also be used for group to setup online store for donations, t-shirt sales and so on; 58% of consumers involved in groups.

Session 2

  • We are back from break with Etronika showing voice, face and gesture recognition technology. Link
  • Etroinka demoing logging in via voice intro then authenticated with facial recognition; also showing gesture/voice navigation.
  • miiCard demoing new online Identity verification system to ease account opening and ID authentication. Link
  • miiCard demoing how it takes existing banking relationship to validate your identity; done in 5 to 10 minutes; then can share.
  • Mootwin launching one-stop-shop for mobile financial needs; demoing iPad app. Link
  • Mootwin showing streaming video on tablet; can communicate directly with financial adviser within UI; working with Cortal Consors.
  • Actiance showing dashboard for publishing to social media networks. Link
  • Actiance demoing dashboard in Socialite Engage that shows engagement with users; has tools to track overall program across company.
  • Fiserv is showing Mobiliti M-Cash service in use by ANZ; demoing mobile payment to non-ANZ customer. Link
  • Fiserv demoing M-Cash white label mobile payment service; entire process takes about 30 seconds; now showing online m-payment.
  • Aimia & Cardlytics launching transaction-based marketing platform; Aimia is investor in Cardlytics. Link
  • Cardlytics demoing their in-statement-offer UI within a live PNC Bank account; highlighting Burger King 20% cash-back offer.
  • Cardlytics demoing merchant dashboard; real-time results of spend of customers in entire category with offers vs those without.
  • Liqpay, with 1.5 mil customers, launching http://Zip.liqpay.com, payment detail shortener for SMS and email Link
  • Liqpay "payment detail shortner" is similar to bit.ly for URLs; showing how it works at Privatbank; increases accuracy and safety.
  • DCisions launching InvestorBee to take guesswork out of investing with understandable risk vs. return info. Link
  • InvestorBee will make investing benchmarks available free to consumers; believe simple facts will disrupt investing.
  • ValidSoft demoing secure m-banking with out-of-band four-factor authentication and transaction. Link 
  • ValidSoft demoing voice-based authentication to confirm trans; system calls mobile number and customer answers to confirm... nice!
  • Dynamics showing battery-powered card that is "first mobile wallet that works everywhere plastic accepted." Link
  • Dynamics showing how to press a button on card to get a disposable number to use online; or request rewards points be used at POS.
  • Dynamics launching today Chip & Choice for Europe, allows multi-app card to be used with single-app software infrastructure.

Session 3

  • eToro, with 2 million users; launching Guru Finder crowdsourcing to find traders to follow and copy. Link
  • eToro demoing trader profiles and community communications; also launching iPad app.
  • Serverside Group launching a Facebook app for banks to provide tangible value. Link
  • Serverside Group app allows customers to upload images from FB to create their own customized credit/debt card; can increase usage.
  • When finished using Serverside app, users can post their cards in FB update; bank could run design competition to "like" cards.
  • Tradeshift demoing how businesses can manage cash flow; launching "instant payments" options. Link
  • Tradeshift showing dashboard controls; onboard process for suppliers and instant payment process; available to entire supply chain.
  • Finsphere, which recently partnered with Vodafone, uses mobile phone location to assist with authentication. Link
  • Finsphere demoing its "risk score" for each transaction; online banking login process; and consumer Pinpoint service.
  • Launching Handpoint Headstart, mobile Chip & PIN payment solution. Link
  • Handpoint demoing payments on mobile phone, table and mobile POS device; also showing Square-like mobile reader option.
  • Wipro Technologies launching tablet-based customer acquisition system. Link
  • Wipro showing interface that sales adviser would use with prospects to explain products and compare options.
  • Wipro app allows adviser to take a screen cap and email the page to the customer >Very cool way to follow-up on initial discussion.
  • Luup launching travel management system for businesses and governments. Link
  • Luup demoing employee registration; using mobile to create trip itinerary and request approval from manager.
  • Meniga, PFM provider, is launching "Peace of mind banking." Link
  • Meniga UI has forward looking cash position, like Simple's "safe to spend" balance; showing "emergency fund" balance tracking.
  • Meniga working to move PFM from a "tab" to the most used part of online banking.

Session 4

  • Striata is launching eConsent "PUSH email billing" with NO registration process. Link
  • Striata demoing process: 1st email is Yes/NO overlay on shaded-out bill. No username or password; use a secret, for example: mobile number and birthday.
  • Striata showing interactive bill, "mini-website" right in the inbox.
  • Sandstone Technology showing modern-looking user interface on iPhone built on HTML5. Link
  • Sandstone Technology showing on multiple phones; demoing how user can personalize app with own picture; change display views.
  • Kabbage launching ScoreKard today, a quantitative view of health of client's online store. Link
  • Kabbage has now loaned $10 million to small online sellers on eBay and elsewhere; showing integration with Etsy.
  • Kabbage showing "social climbing" system where Kabbage analyzes client's social media activity to help in underwriting.
  • AcceptEmail showing MOBILE electronic bill presentment & payment, its "Short Invoice Service." Link 
  • AcceptEmail allows content of sent email to be changed while in client's inbox, eg. after bill paid, status can be changed.
  • Figlo's widget-based platform helps advisers communicate to clients via Facebook. Link
  • Figlo showing integration of online banking with long-range planning; showing table version.
  • Ixaris launching Opn Cardworks, "card system in a box", allows issuer to fully customize. Link
  • Ixaris can get Visa approval for new card within 6 weeks; demoing Ixaris "app store" for building programs.
  • IND Group launching new gamified banking interface " online banking goes from boring to fun" Link.
  • IND iGroup demoing UI which includes points area, achievements, badges (which unlock more rewards); shows totals over time.
  • That's a wrap folks. 35 Finovate demos and no one went over time limit! What a day, see you in the networking hall.
Thumbnail image for Thumbnail image for ETRONIKALogo.jpg

Beginning the second session this morning, ETRONIKA showed how users can interact with their online bank in a new way:

"We often hear that we live in a world full of impossible. Trapped inside little boxes, filled with needless habits that aren't necessary anymore. It doesn't have to be that way. Technology has advanced so much, so when we can speak with our PCs, why do we bother to type? Yes, financial institutions and online banking solutions refer to a serious, unshakable, respectable realm, but we want to challenge this point of view by introducing a new UX approach to financial online services. ETRONIKA introduces a financial application that recognizes your face, congratulates you, analyzes your voice to identify you, and navigates you into online banking. You choose what is most convenient for you at that time: using your voice, motion-activated user interface, or keyboard - if you feel old-fashioned."

Product Launched: 2Q, 2012

HQ Location: Vilnius, Lithuania
Company Founded: 2000
Metrics: 50 employees, self funded
Website: etronika.lt

Presenting Kestutis Gardziulis (CEO) & Jelena Kravcenko (Analyst)
IMG_1266.JPG
IMG_1268.JPG

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  • Scotsman.com recommends using Zopa as a way to earn a better return on investments.
  • Experian announces Financial Stability Risk score.
  • 123Kinect profiles ETRONIKA. Come see the technology live at FinovateEurope on February 7.
  • Symantec features Q2ebanking in its podcast.
  • Monitise signs 5 year partnership agreement with FIS.
  • Tradeshift signs deal with French government.
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.
FEU2012LogoHigh.jpg

Right now, over three dozen leading fintech companies, both hot young startups and established players, are gearing up to demo their latest innovations at the second annual FinovateEurope next February 7th in London.

To whet your appetite, we asked each handpicked company to provide a sneak peek of what it will be demoing on stage. Below is the first installment. We'll have another installment next week.

Don't miss your chance to see fast-paced demos of the newest ideas from each company and meet the execs responsible for the cutting-edge of innovation in financial and banking technology. Plus get your FinovateEurope ticket before December 23rd and you'll lock in the early-bird price!

____________________________________________

AcceptEmailLogo.jpg
AcceptEmail will launch a revolutionary way of billing and collecting. The inventor of billing and payment via email will introduce AcceptSMS, the world's first Short Invoice Service. 

With this technology, AcceptEmail users will be able to send payment requests to a smartphone or PDA via SMS, WhatsApp Messenger or social media in an easy and clever way. Improve your customers' payment behavior by offering multi-channel and customer friendly payment methods.

Innovation type: Communications, mobile and tablet UI, payments


ActianceLogo.jpg
Find out more about a solution that Raymond James has already adopted to give its investment advisors authenticity on social networks. It also generated a $1 million prospect for another wealth management firm after just 96 tweets.  

Actiance will also demonstrate how you can measure and analyse your network growth to accurately plot your social graph.

Innovation type: Communications, marketing, security


iBrokrLogo.jpg
Brokertainment combines the fun and thrill of stock market trading with a reduced risk due to extremely low minimum investments (1 euro) and ultra-short term durations of derivatives (around 5 minutes). 

Brokertainment will present a new product called STOCKBATTLE.

Innovation type: Investing and asset management


BCSGLogo.jpg
Business Centric Services Group (BCSG) will present an exciting new credit management tool to the SME market, which will break down the traditional barriers of cost, complexity and awareness. 

BCSG has identified a customer need for this product through research, which highlighted that over half of small businesses never run credit checks on new customers, and just under half do not monitor their existing customers and suppliers.

Its innovative tool allows complex information to be delivered in a simple and usable format, ensuring the best possible end-user experience. 

Innovation type: Banking products, online UI, small business

Thumbnail image for ETRONIKALogo.jpg
Almost all banking today is being done in digital space. Why not communicate with computers in a natural way, as we do in the real world? 

Imagine a financial application that recognizes your face, congratulates you, analyzes your voice to identify you, and navigates you in online banking. You choose what is most convenient for you at that time: using your voice, gestures, keyboard, or a mix of all the approaches. You are smiling. 

Motion and speech belong to the game world or laboratory geeks-- not to online banking solutions that refer to a serious, unshakable, respectable realm. ETRONIKA wants to challenge this point of view by introducing a new UX approach to financial online services.

Innovation type: Banking, identity, online UI


DCisionsLogo.jpg
InvestorBee puts data at consumers' fingertips so they can make smart, confident investments.

    • It's fact, not opinion. Users can tap into the database to learn from the experiences of over a million UK investors.
    • It's an investment health check. Users can compare themselves to their peers to set realistic saving targets and investment goals.
    • It's simple investing without guesswork. In a few easy steps, users can choose an objective risk-based strategy that's right for them.
InvestorBee users extract wisdom from the crowd to make better, simpler investment decisions.

Innovation type: Investing and asset management, PFM


Thumbnail image for FiservLogo.jpg
Fiserv will demonstrate its next generation mobile P2P, small business and eCommerce merchant payments. As an international provider of digital banking and payment solutions, Fiserv delivers market-proven capabilities with innovations in both the mobile and online channels.

Innovation type: Mobile and tablet UI, online UI, payments


Thumbnail image for INDGroupLogo.jpg
IND Group gamified its white-label Internet Banking and Personal Finance Manager. It added these methods to its new Banking-Front Office. The solution is based on the fact that customers love to do almost anything if they are rewarded for it. 

With the two-level point system, banks can give points for things like function use, transactions, and product or service purchases. Customers can collect points and badges for dedicated actions. The system is closely connected with Facebook, where users can post their results and badges. With its strong visualization features and real rewards, the gamified IND Internet Banking and Personal Finance Manager creates a compelling, engaging user experience.

Innovation type: Online UI, PFM, rewards


LuupLogo.jpg
Luup will launch a mobile payment service for corporations and governments that is set to bring them cost-savings, efficiency and productivity gains. The service solves one of the biggest daily challenges that organisations face worldwide. 

Through an interactive live demo from various mobile devices, Luup will showcase how the new service is a fast, convenient and secure way to optimise processes. Attendees will experience how Luup solutions are unique in being universally deployable, bank-grade, live and proven-- as well as scalable and easily managed.

Innovation type: Mobile and tablet UI, payments


miiCardLogo.jpg
miiCard, My Internet Identity, is the first service that allows a consumer to prove their identity to the AML/KYC standard purely online.

Through miiCard, a vendor can identify an individual to a level of assurance that supports real-time online sales of regulated financial products, and replaces the need for a 'wet signature' reducing operational costs and increasing conversions. 

miiCard creates trust, protects consumers and fights against fraud. It helps realize the full potential of the digital economy by enabling higher value online business.

Innovation type: Identity, payments, sales and customer service


SandstoneLogo.jpg
Sandstone will be showcasing its next generation mobile banking app that contains sophisticated money management/ OFM tools, the latest anti-fraud and security measures, and user experience capabilities that enable financial institutions to better engage with their customers.

Using the latest HTML5 technology, the app can be developed once and then delivered seamlessly across all smart phone app stores to run on any smart phone mobile device. The registration process for the app locks the user to the device while the page-fingerprinting technology ensures that fraudulent users will not be able to connect to the secure server.

Innovation type: Banking, PFM, security


Service2MediaLogo.jpg
Service2Media and Rabobank will introduce mobile payments via a banking app for all webshops. Customers of Rabobank that have installed the Rabobank Mobile Banking app can now pay for their mobile purchases as easily as their online purchases by using a mobile version of the online payment method IDEAL

The new mobile IDEAL payment is facilitated by starting the Rabobank Banking app on an iPhone once a payment request is issued on the merchant's mobile site. The user then authorizes the transaction in the app with his account number and access code before being redirected to the merchant's mobile site. Mobile banking is now possible without an e-reader as long as the balancing account is known.

Innovation type: Banking, mobile and tablet UI, payments


ValidSoftLogo.jpg
Securing M-Banking

The advancement of technology is making our lives easier. Mobile banking, or m-banking, is here and with 800,000,000 smartphones already in circulation globally, it is going to grow. But how do we make m-banking safe and practical to use? You can't hold your smartphone in one hand and your bank secure key in the other when walking down the street - that's not "making our lives easier".

A much simpler solution is using out-of-band, real-time, multi-factor authentication and transaction verification. ValidSoft will demonstrate how its products can do just that.

Innovation type: Identity, payments, security


Thumbnail image for WiproLogo.jpg
One of the primary tools direct sales agents need is a tablet variant of the unified desktop. Wipro has developed a customer acquisition framework on a tablet-based device, which is a step in this direction. 

CAMS on Tablet leverages mobile, analytics and intelligent processes for on-the-go personalized offers and application capture. The solution is also relevant in next generation bank branches where a differentiated environment is created for HNI customers.

Innovation type: Mobile and tablet UI, PFM, sales

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