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This post is part of our live coverage of FinovateEurope 2014.

Our next presenter is the team from PhotoPay, debuting PhotoPay Cloud:

"Send any kind of payment related document from your mobile device to PhotoPay Cloud service and it will automatically extract necessary payment data for very simple, one tap payment experience. PhotoPay Cloud will handle any type of bill or invoice customers can receive - photo of a paper bill, PDF document and other types of electronic documents.

"Besides simple payment, PhotoPay Cloud can archive documents for users and provide banks with a deeper understanding of customer financial behavior.

PhotoPay Cloud service can be integrated as a mobile banking feature or as a stand-along product. It can be used as a private, on premises installation or through a secure cloud API."

Presenting Damir Sobol (Founder & CEO) and Jurica Cerovec (Lead Engineer)

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Product Launch: February 2014
Metrics: Self-financed, 8 employees, 8 bank customers in 5 countries
Product distribution strategy: Private cloud setup or secure cloud API, direct licensing, through other fintech companies and platforms

HQ: Zagreb, Croatia
Founded: April 2013
Website: photopay.net
Twitter: @photopay

Finovate Alumni News -- January 13, 2014

  • Thumbnail image for Thumbnail image for Thumbnail image for Thumbnail image for Thumbnail image for Thumbnail image for Finovate-F-Logo.jpgeToro to allow its members to invest and trade in bitcoin.
  • CaixaBank enables cardholders to make transaction-based, charitable micro-donations.
  • PhotoPay wins spot in this year's FinTech Innovation Lab London. See them in action at FinovateEurope.
  • Flint Mobile, BillGuard both featured in Forbes column on companies "moving global commerce forward."
  • miiCard and Axiomatika partner to power identity verification solutions for the Russian financial industry.
  • CoverHound grows 533% Year over Year in 2013 and Promotes Keith Moore to CEO.
  • ShopKeep POS launches ShopKeep Mobile for iPod Touch.
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.

Innovations at FinovateEurope 2014: Part 2

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A week ago we introduced you to half of the companies that will be demoing their technologies on stage for FinovateEurope 2014.

Today we're providing the second half of our scheduled roster for February.

For more information, and to get your tickets, visit our Finovate Europe 2014 page here.

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Luxoft's iStockTrack is an innovative iPad solution providing mobile banking services for private and premium banking clients.


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Matchi is an innovative matchmaking platform for banks and innovators to establish collaborative relationships that deliver increased ROI for innovators and banks alike.


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Meniga is Europe's leading white-label PFM provider. The company helps banks improve their businesses through data-mining, cross-sales, and improved retention.


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Mobino enables mobile payments for 5 billion people, from any phone, no credit card required.


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The Moneyer is the future of online Personal Finance Management.


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Money on Toast delivers independent and whole of the market, FCA-regulated financial advice online via its algorithm-powered adviser.


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MyOrder provides a m-commerce mobile app that serves businesses in parking, catering, and entertainment.


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myWishBoard is the first crowdfunding platform for personal dreams and wishes.


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NF Innova's Personal Experience Module, a part of iBanking product suite, enables banks to offer their customers a truly unique and tailored user experience.


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Nostrum Group has built a virtual collection product that automates and optimizes the delinquency management process.

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Nous.net's Spark Feed is a real-time financial data service that helps you understand and predict the markets.


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payworks is the provider of a mobile POS, Software-as-a-Service platform that lets developers quickly build payment functionality into their shopper and merchant apps.


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PhotoPay's technology allows users to extract data from any document, paper or electronic, enabling billpay on mobile devices.


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Pixeliris's CopSonic is the first universal contactless mobile payment system powered by our unique technology based on sonic communication.


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Plutus Software's KreditAja credit scoring system is designed to better serve the unbanked and underbanked in Asia.


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SaaS Markets is an enterprise cloud marketplace company whose MarketMaker platform helps FIs deploy their own branded, cloud-based business app store.


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SmartEngine stands for personalization and target marketing. As pioneers in the field of customer loyalty, Smart Engine is a driver of innovation and a leader in personalized target marketing.


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SoftWear Finance's HACU PLATFORM enables banks to provide customers with the best possible user experience on any platform or device.


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SQLI's Augmented Banking is a new take at Online Banking. It is aimed at positioning a bank at the very center of people's digital lives.


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Temenos's Treasury Management Dashboard tablet app has been developed for Microsoft Windows 8 and enables the transformation of treasury operations.


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Tink is a free personal finance service that allows you to follow your money, where ever you are.


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Tootpay's solution is a mobile financial solution for payments, banking, telecommunications, and remittance industries.


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Top Image Systems has leveraged its deep recognition and imaging expertise to develop a powerful suite of image processing applications for mobile devices.


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Topicus Finan is a software vendor specializing in enterprise-level financial analysis. Its solution enables banks to provide self-service business lending processes for SMEs.


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Toshl Finance is a personal finance manager made fun. Find out where your money is going, keep on top of bills and spending, and set up budgets.


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Truphone, the innovative mobile operator, introduces the only global network-based recording solution for the Financial Industry.

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Trustev provides a new approach to fraud prevention through a real-time, online identity verification platform, which ensures that merchants know exactly who they are selling to.


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Yseop Sales Force Productivity Suite and its email writing application (YseMail) support financial advisors through the entire sales cycle.

This post is a part of our live coverage of FinovateEurope 2013.

Next to take the stage is Croatia-based PhotoPay:

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"PhotoPay and PDFpay are greatly improving 
the paper and electronic bill payment experience on mobile devices. PhotoPay uses a phone camera to extract payment data from paper bills and payment slips.   PDFpay is used to extract payment data from bills and offers received electronically (in PDF, HTML, or other electronic format), allowing very simple payment without manual data entry.

Our unique smartphone technology recognizes payment slips in real-time and intelligently extracts payment data in a few seconds from paper or electronic bills. And users love it - it is much simpler and up to 10 times faster than typing payment data."

Product Launched: February 2012

HQ Location: Zagreb, Croatia
Company Founded: June 2011
Metrics: Our first bank customer has seen a 2,000% increase in mobile bill payments after implementation
Website: photopay.net
Twitter: @photopay

Presenting Damir Sabol (Founder and CEO) and Jurica Cerovec (CTO)
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FinovateEurope 2013 Sneak Peek: Part 3

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With just a few weeks to go before FinovateEurope, here's the third and final part of our Sneak Peek preview of the companies demoing in London (click here for part 1, here for part 2).

There still time to get your ticket and be a part of the conference in London on February 12 & 13 at Old Billingsgate Market Hall. For more information or to register, visit our FinovateEurope page here.

Each presenting company supplied a few teasers about the innovations they will be showcasing at the event.

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In a unique demonstration, Akamai will command agents and attack servers across the Internet to launch attacks commonly directed at financial services sites (including SQL injection, slow HTTP post, and DDoS attacks) at a pair of live demonstration banking sites on the public Internet. One site in the clear, and one protected by Kona Site Defender.

The demonstration will show how these attacks can compromise an unprotected site, and how Kona Site Defender is able to detect and mitigate these attacks automatically, live, in real-time. The demonstration will feature innovative adaptive rate control and real-time Web security monitoring security technologies.

Innovation type: Security

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Birdback

A lot is happening on the front-end of payments: Mobile POS, mobile wallets, NFC payments ... The back-end of payments, however, remains untouched. A card transaction is nothing more than a money transfer.  Meanwhile, developers dread the prospect of having to develop native applications for each of these new, front-end payment platforms.

So why not an API that sits at the very heart of the transaction network, on top of the most widespread means of payment: the payment card? What if one could link applications to payment cards, essentially turning what's already in consumers' pockets into a loyalty card, a discount voucher or a means of sending them digital receipts?

Innovation type: Rewards, cards, back office

Device Ident

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Device Ident will showcase its new solution to prevent online fraud in real time. Our product identifies and evaluates any device interacting with our customers' online services, and analyzes history and behavior of the visiting device to prevent fraud and misuse for all our customers.

It is easily integrated into our customers' online services and it fully complies with European privacy laws.

Innovation type: Security, identity

Five Degrees

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Watch a fully automated model bank with an unparalleled level of self-service giving both customer and bank imminent insight and control in the process.

Through our Web-based, mid-office portal, Five Degrees offers the potential of enormous business benefits in terms of efficiency in adapting new business processes on the go. As today's market demands, our open services hub integrates with external services like KYC checks, Passport Validation, and PFM.

Come and view the fast and instant response for the next banking generation: rapid deployment, rich customer experience, instant and transparent insight for bank and client alike.

Innovation type: Back office, banking, communications, sales

FreeAgent

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FreeAgent is the UK's market leader in SME cloud accounting software. The FreeAgent platform's capabilities extend far beyond traditional accounting software, and are developing toward performance and health measurement tools, providing vital information for both the businesses themselves and current or prospective lenders.

We will demonstrate how cloud accounting and the associated data creation, aggregation and interpretation functions can provide financial institutions with real-time insights into the underlying fundamentals and risk trends existing within a single business or across a base of clients.

Innovation type: Back office, lending, small business

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GMC Inspire Dynamic Statement is an interactive and engaging way to present your customers' statements, online or offline.

Instead of the standard online statements, GMC Inspire can generate thousands of dynamic statements in minutes, presenting your customers' data through attractive charts and graphs that are fully clickable.

Areas that require attention and action can be highlighted and customers can even drill down to granular level detail, providing a fully intuitive service. GMC Inspire also allows you to track usage of every statement and use this data to populate relevant offers and marketing messages for every customer.

Innovation type: Mobile, PFM

Meniga

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"To Buy or Not to Buy" is a white-label module for mobile banking applications that uses PFM functionality to empower and influence consumers at the point of sale or when considering buying something.

It allows users to check if they can afford what they are about to purchase or see how much closer to their savings goals they would be if they saved the money and used it to feed their goal instead.

One unique aspect of this innovation is allowing the users to leverage their social networks and direct messages to crowd-source the decision and instantly collect feedback before making the purchase. This fun and simple feature uses gamification to engage users and their network of friends.

Innovation type: Mobile, online, PFM, rewards

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PhotoPay provides the easiest and fastest way to pay paper and PDF bills using mobile devices.

Paying bills on a mobile phone is often difficult. Manual data entry is cumbersome and frustrating for smartphone users. PhotoPay has developed an advanced technology that significantly improves the mobile bill payment experience for both paper and electronic bills.

Banks and payment providers love PhotoPay because it can dramatically improve user experience and increase bill payments transactions. Our first bank customer has seen a 2,000% increase in mobile bill payments after implementing PhotoPay.

Innovation type: Payments, cards

Watch Demos

Click above for video archives of all demos.

 

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