Welcome to Day Three of FinovateEurope

Welcome to Day Three of FinovateEurope

Happy Valentine’s Day to lovers of fintech innovation everywhere!

The demos are done and the Best of Show trophies have been awarded. That means it’s time for our fintech experts to take the stage and help put into context many of the technologies we’ve seen over the past two days of FinovateEurope.

Here’s our agenda for Day Three.

0800 to 0840 Registration, Continental Breakfast, & Networking

0840 to 1045 General Session

  • 0840 Chairman’s Opening Remarks with Dave Birch, Global Ambassadfdor, Consult Hyperion
  • 0845 Opening Keynote: The NeuroGeneration – How a New Era in Brain Augmentation is Revolutionizing the Way You Think, Work, Lead, and Live with Tan Le, founder and CEO, EMOTIV
  • 0915 Easy Come, Easy Go: The Disruption of Loyalty with Russell Pert, U.K. Head of Industry, Financial Services, Facebook
  • 0935 The Evolution of the Third Era of Commerce with Giulio Montemagno, Head of Europe, Amazon Pay
  • 0950 Living and Breathing Agility: How to Emulate Digitally Native Companies
  • 1015 Analyst All-Stars Session
  • 1035 An Update on the FCA Sandbox: Fostering Innovation and Enabling Collaboration

1050 to 1115 Morning Break and Networking

  • 1050 Fireside Chat with Tan Le
  • 1050 Fireside Chat – In Response to the FCA Sandbox Update

1115 to 1235 Streams

  • The Changing Face of Banking
  • Technology in Practice
  • The Future of Regtech
  • Analytics and User Empowerment

1235 to 1330 Lunch and Networking

  • 1300 VC Lunchtime Panel: The Finance and Fintech Trends Getting Investment

1330 to 1435 General Session

  • 1330 Digital Transformation – Culture, Collaboration, and Competition – featuring Benoit Legrand, Chief Innovation Officer, ING
  • 1350 Q&A – Becoming a Unicorn Challenger Bank: OakNorth’s Journey to Profitability
  • 1405 Open Banking, Democratization of Data, And You: The Disruptive New Era of Customer Engagement
  • 1420 The Blurring of Identity Proofing & Authentication

1440 to 1545 Streams

  • The Changing Face of Banking: Challenger Bank Focus
  • Product Innovation and the Customer Experience
  • Innovation in Payments
  • Investech and Wealth Management Innovation

1545 to 1610 Intermission, Refreshments, and Networking

1610 to 1735 General Session

  • 1610 The Final Countdown: Best Practices in Onboarding Innovation
  • 1640 Breaking Banks Power Hour Chat: It’s Happening! Live Podcast – featuring Jim Marous, JP Nichols, and Brett King
  • 1730 Chair’s Remarks and Close of Conference

We’re looking forward to an exciting day of insightful discussion and debate on some of the hottest topics in fintech. Thanks for joining us!

SumUp Acquires Polish E-Commerce Innovator Shoplo

SumUp Acquires Polish E-Commerce Innovator Shoplo

London-based payments firm SumUp has bought Polish e-commerce platform Shoplo for an expansion of its product suite, reports Antony Peyton of Fintech Futures (Finovate’s sister publication).

Financial details were not disclosed.

Marc-Alexander Christ, co-founder of SumUp, said: “From the boutique clothing stores to florists and microbrewers, our platform is constantly looking to the technology solution which helps their business to flourish. By leveraging Shoplo’s technology, SumUp’s merchants will get easy access to creating their very own online stores.”

Today, SumUp said its product suite encompasses accepting payments on-the-go or online, managing business at the point of sale, invoicing and bookkeeping, third-party integrations of payments, and other services via SDKs and APIs.

With the addition of Warsaw-based Shoplo, SumUp wants to expand its services for its one million users.

The idea is to offer online storefronts with multiple templates, features such as international shipping, chat functionality, invoicing and payments, and multi-channel capability which enables merchants to sell on different marketplaces – such as Facebook, eBay or Etsy – from within one central dashboard.

Shoplo has 30 employees and SumUp says their expertise will help it to expand the e-commerce area of its business.

SumUp recently purchased Danish company Debitoor, an invoicing-software platform originally established for freelancers and SMEs which will be integrated within SumUp’s user offering. Debitoor’s team of 45 employees joined SumUp.

Founded in 2011 and headquartered in Dublin, Ireland, SumUp demonstrated its platform at FinovateEurope 2013. Ranked at the top of the Inc. 5000 Europe last year, SumUp launched its 3G-powered credit card reader back in October. The technology enables merchants to process payments without requiring a mobile app or Wi-Fi connectivity.

SumUp has raised $44.3 million in funding, and includes Life.SREDA and BBVA Ventures among its investors.

FinovateEurope Best of Show Winners Announced

FinovateEurope Best of Show Winners Announced

The votes have been tallied and the people have spoken! Here are the winners of our Best of Show awards for FinovateEurope 2019.

CREALOGIX for its TimeWarp insights platform that enables banking customers to simulate various scenarios in their financial lives. Video.

Dorsum for its My Wealth solution for hybrid advisory processes in wealth management. Video.

Glia (formerly SaleMove) for its technology that creates digital-first moments that simplify and transform communications between businesses and their customers.  Video.

iProov for its solutions that assure the genuine presence of your user by leveraging controlled illumination with uniquely powerful anti-spoofing. Video.

Launchfire for its leadership in game-based employee and customer engagement for financial institutions. Video.

PayKey for its technology that bridges the gap between banks and social apps with a unique smartphone keyboard that enables frictionless access to key banking services. Video.

Voca.ai for its intelligent virtual assistant for call centers that enables businesses to reach their customers at scale with a personal, human touch. Video.

W.UP for its technology that transforms the way banks generate digital revenue and interact with clients through AI-powered experiences. Video.


Notes on methodology:
1. Only audience members NOT associated with demoing companies were eligible to vote. Finovate employees did not vote.
2. Attendees were encouraged to note their favorites during each day. At the end of the last demo, they chose their three favorites.
3. The exact written instructions given to attendees: “Please rate (the companies) on the basis of demo quality and potential impact of the innovation demoed.”
4. The eight companies appearing on the highest percentage of submitted ballots were named “Best of Show.”
5. Go here for a list of previous Best of Show winners through 2014. Best of Show winners from our 2015 through 2018 conferences are below:
FinovateEurope 2015
FinovateSpring 2015
FinovateFall 2015
FinovateEurope 2016
FinovateSpring 2016
FinovateFall 2016
FinovateAsia 2016
FinovateEurope 2017
FinovateSpring 2017
FinovateFall 2017
FinovateAsia 2017
FinovateMiddleEast 2018
FinovateEurope 2018
FinovateSpring 2018
FinovateFall 2018
FinovateAsia 2018
FinovateAfrica 2018

Fintonic Partners with Unicaja Banco to Support Consumer Lending

Fintonic Partners with Unicaja Banco to Support Consumer Lending

Spanish personal finance platform Fintonic will offer Unicaja Banco’s consumer loans through its mobile application, reports Henry Vilar of Fintech Futures (Finovate’s sister publication).

The app is free and currently has more than half a million users in Spain.

It uses a FinScore index, which evaluates the credit profile of both clients and non-clients, and offers them the possibility of obtaining financing, without the need to carry out any further procedure and from any mobile device.

This partnership is Unicaja’s first with a fintech and aims to formalize the entire flow of contracting the loan from an external platform or marketplace.

Fintonic’s loans have processed credits to more than 15,000 users, with a total volume exceeding €60 million.

Just last summer, BBVA joined Fintonic’s lending offering.

Unicaja is the seventh bank by market capitalization in Spain. It is currently working in the implementation of blockchain solutions, within the Niuron Consortium.

Fintonic demonstrated the alert and inbox system of its mobile banking solution – which helps users promptly respond to their financial needs, recommendations or product proposals – at FinovateSpring 2016. Founded in 2012, the company has raised more than $29 million (€26.2 million) in funding from investors including ING Group, Inception Capital, Ideon Financial Solutions, Onza Capital, and All Iron Ventures.

Welcome to Day Two of FinovateEurope

Welcome to Day Two of FinovateEurope

The second day of FinovateEurope is here! After a great kickoff to this year’s annual European conference, we’re back at London’s Tobacco Dock Wednesday morning for what promises to be another great day of live demos of the latest in financial technology.

Here’s what we’ve got planned for Day Two. More information on our demoing companies is available on our FinovateEurope website.

0800 – 0915 Registration, continental breakfast, networking

0915 – 1030 Demo Session #5

1030 – 1115 Intermission with Refreshments & Networking

1115 – 1230 Demo Session #6

1230 – 1345 Lunch & Networking

1345 – 1500 Demo Session #7

1500 – 1545 Intermission with Refreshments & Networking

1545 – 1700 Demo Session #8

1700 – 1830 Reception & Networking – Plus our Best of Show award ceremony!


Registration opens at 0800 tomorrow morning with our Remarks from the Chair beginning at 0840.

Finovate Alumni News

Around the web

  • ACI Worldwide enhances its UP Merchant Payments solution with the purchase of technology assets from RevChip and TranSend.
  • Onfido to provide identity verification for P2P RV rental marketplace, RVshare.
  • Coinbase enables transactions via PayPal to 32 countries in Europe courtesy of new collaboration.

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.

Welcome to Day One of FinovateEurope

Welcome to Day One of FinovateEurope

FinovateEurope kicks off today at the Tobacco Dock in London, U.K. The Tobacco Dock is located on Wapping Lane, at St. Katharine’s & Wapping, London E1W 2SF.

Registration opens at 0800, and the first demo begins at 0915. If you are hoping to attend FinovateEurope this year, but haven’t yet registered to save your spot, then know that our ticket window is open and we’d love to have you join us.

Here’s what’s on the schedule for Day One. Our detailed agenda for today is available on the FinovateEurope website.

0800 – 0915 Registration, continental breakfast, networking

0915 – 1030 Demo Session #1

1030 – 1115 Intermission with Refreshments & Networking

1115 – 1230 Demo Session #2

1230 – 1345 Lunch & Networking

1345 – 1500 Demo Session #3

1500 – 1545 Intermission with Refreshment & Networking

1545 – 1700 Demo Session #4

1700 – 1830 Reception & Networking

Winners of our Best of Show award will be announced tomorrow.


Door opens at 0800 again tomorrow morning, with the first demo session starting at 0845.

Kony Helps Morocco’s CFG Bank Transition to Digital First Banking

Kony Helps Morocco’s CFG Bank Transition to Digital First Banking

Morocco’s CFG Bank is focusing on “digital-first banking” and is working with Kony, a U.S.-based digital banking tech specialist, on “long-term digital transformation strategy”, according to the vendor, reports Fintech Futures (Finovate’s sister publication).

The strategy is “built on the pillars of simplicity, transparency and sustainable customer relationships”, Kony explains. “Central to that strategy is CFG Bank’s dynamic app built on Kony’s digital banking platform, Kony DBX, which provides a more modern digital banking experience.”

The two parties have been working together since 2016. Together, they built “a digital banking app designed so that customers could retake control of the vast majority of banking transactions, and rely on physical branches for ‘life moments’, such as plans for funding educational goals or detailed processes around investments and inheritance”, Kony says.

Driss Benchafai, general manager at CFG Bank, said that to succeed in Morocco’s banking environment, “it’s essential to be unique”.

“It’s not enough to provide the same services or similar features as other banks,” observed Benchafai. “Rather, we must craft a customer experience that is tailored, simple and that empowers customers with the ability to complete services and transactions how and when they want.”

Benchafai felt Kony “has played a significant role in helping CFG Bank stand out from other banks”.

The two firms are now exploring further capabilities, such as data analytics, behavioral analysis and artificial intelligence (AI), to improve future iterations of CFG Bank’s digital banking experience.

Founded in 2007 and headquartered in Austin, Texas, Kony demonstrated its Retail Banking Solution at FinovateFall 2017. The company has raised more than $115 million in funding, and includes Insight Venture Partners, SoftBank Capital, and Telstra Ventures among its investors.

FinovateEurope Lands in London

FinovateEurope Lands in London

Where can you find 1,200 fintech fans, 120 fintech experts, 64 innovative fintech companies, four days of fintech demos and discussions, and one digital graffiti wall?

The answer, my friend, is not blowing in the wind. It’s right here at London’s Tobacco Dock for FinovateEurope 2019!

Today is rehearsal day, which means that our demoing companies are busy putting the finishing touches on the live demonstrations that will fill the first two days of FinovateEurope. Rehearsal day also means that we’re less than 24 hours away from the start of the show, and if you haven’t picked up your ticket yet, there’s no better time than the present to visit our registration page and save your spot.

And remember that on Day Three, FinovateEurope will transition from live fintech demos to live fintech discussion and debate. We’ll have more than 100 industry experts and professionals taking on every aspect of financial technology – from AI and the blockchain to digital transformation and open banking.

If you are an old Finovate hand who has not yet experienced this new feature of our conferences, then you are in for a real treat. Check out the Day Three agenda for yourself; there is truly something for everyone.

We shared some conference notes and need-to-knows yesterday. For a quick refresher: FinovateEurope begins Tuesday, February 12 and continues through Thursday, February 14 – with a special Summit Day on Friday, the 15th. Our venue this year is London’s Tobacco Dock, a historic facility in the city’s Docklands area of the East End. It is located on Wapping Lane, at St. Katharine’s & Wapping, London, E1W 2SF.

Registration begins at 0800 on Tuesday, Wednesday, and Thursday, with Friday’s registration beginning at 0815.

Once you arrive at the venue – and grab a cup of tea or coffee and a sample of our continental breakfast – be sure to join our FinovateEurope community on our Knect3655 event app. Download the app from your preferred App Store, then search for “FinovateEurope” to access features like Sli.do, our audience participation solution; our Best of Show voting dashboard; our networking platform Brella; our attendees list; conference agenda and much more.

If you have any questions, including any challenges working with the app, please send us an email at info@finovate.com, and we’ll be happy to help.

In the meanwhile, our demoing companies have a few more practice runs to go before rehearsal day is done. We hope you’ll join us this week. Travel safe – and we’ll see you at the dock!

Finovate Alumni News

Around the web

  • Zopa surpasses £4 billion lending milestone.
  • EU Startups features Qover in its list of 10 Belgian startups to watch out for in 2019.
  • Gymshark customers in the U.K. and the Nordics now have access to Klarna’s Pay Later service.

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.

Personal Capital Raises $50 Million in Round Led by IGM Financial

Personal Capital Raises $50 Million in Round Led by IGM Financial

Silicon Valley-based wealthtech player Personal Capital is living up to its name as it has raised $50 million in a Series F funding round led by IGM Financial, reports Antony Peyton of Fintech Futures (Finovate’s sister publication).

The firm is in a personable mood as it has recently surpassed $8.5 billion in assets under management and two million registered users on its platform, which tracks more than $650 billion in aggregated account value.

The company didn’t go into specifics, but the funding will be used for growth, enhance its technology platform, and invest in partnerships.

“We have stayed laser focused on our mission of building a business that uses the ideal combination of technology and advisors to help Americans achieve clarity and confidence in their financial lives,” said Jay Shah, CEO of Personal Capital.

In terms of details, it has launched Smart Withdrawal, a personalized and interactive withdrawal strategy planner for retirement.

The company also announced a partnership with Alight Solutions and AllianceBernstein to create WealthSpark that will provide American workers with insights to their finances through Personal Capital’s technology.

Personal Capital is headquartered in Redwood City with hubs in San Francisco, Denver, Dallas, and Atlanta. It was founded in 2009.

IGM Financial is a Canadian personal financial services company, with approximately $154 billion in total assets under management. Its activities are carried out principally through IG Wealth Management, Mackenzie Investments and Investment Planning Counsel.

Personal Capital demonstrated the One Click Investment Proposals feature of its platform at FinovateSpring 2014.  The company is also a veteran of our developers conferences, most recently providing a presentation titled Data-Driven Account Opening at FinDEVr Silicon Valley in 2016.

FinovateEurope: Fintech Talk at London’s Tobacco Dock

FinovateEurope: Fintech Talk at London’s Tobacco Dock

FinovateEurope 2019 kicks off this week here in London, U.K. And for the second year in a row, FinovateEurope has a new home in England: London’s famous Tobacco Dock. We’re hoping that you’ll be able to join us this week for what promises to be three days (plus an additional summit day on Friday) of innovative fintech demos, insightful keynotes, and deep dive breakout sessions.

To help ensure you make the most of the event, here are a few last minute notes and need-to-knows.

Save Your Spot!

Registration for FinovateEurope is still open! If you haven’t picked up your ticket, run – don’t walk – to our registration page to make sure you don’t miss a minute of this year’s event. Group, government, and startup discounts are available. Contact us at gf-registrations@knect365.com for information on government and regulatory entity discounts. For more information on startup discounts, email us at europe@finovate.com.

Location! Location!

FinovateEurope moves to London’s Tobacco Dock this year. Located in London’s growing enterprise zone and just one stop on the DLR from Bank, Tobacco Dock is close to the Tower of London and only a few kilometers from Tech City and London’s Financial District. Tobacco Dock is on Wapping Lane, St. Katharine’s & Wapping, London, E1W 2SF.

Timing = Everything

Registration on Tuesday morning begins at 0800, and the first demo starts at 0925. Both coffee and a continental breakfast will be provided, so be sure to arrive a little early, pick up some refreshments, and join us in the main hall.

On Thursday, registration begins at 0800, with our Chairman’s opening remarks – courtesy of Dave Birch, Global Ambassador with Consult Hyperion – starting at 0840, and our opening keynote beginning at 0845 – featuring Tan Le, founder and CEO of EMOTIV. On Friday, registration begins at 0815, with opening remarks from our Chairs begin at 0900. Opening keynotes begin at 0910 for the Open Banking Summit and at 0915 for the AI Summit.

Live Demos and Deep Dive Discussions

Both Tuesday and Wednesday will feature four live demo sessions each for a total of 64 scheduled demos. Get to know our demoing companies ahead of time via our FinovateEurope 2019 demos page, and then learn a little more about them in our FinovateEurope 2019 Sneak Peek series.

On Thursday, we bring the experts to the stage to discuss some of the most important technology trends in fintech. We will begin with an opening address and opening keynote, and then proceed to a variety of main stage addresses and panels on topics including e-commerce, innovation and collaboration, and digital transformation. Thursday will also feature streams on subjects such as challenger banks, blockchain technology, the the democratization of data, and the role of augmented intelligence in chatbot technology.

And remember we will also hold a special Summit Day on Friday with two streams: one dedicated to Open Banking, and the other focused on AI. For more information on how to attend our Friday Summit Day, check out our registration page. Discounts are available for attendees purchasing tickets to all four days of FinovateEurope 2019.

As you can see, there’s a whole lot going on at FinovateEurope this year. We look forward to seeing you this week here in London at the Tobacco Dock!

Have a question about FinovateEurope? Check out the FAQ section on our FinovateEurope 2019 page, or send us an email at europe@finovate.com.