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Finovate Blog
Tracking fintech, banking & financial services innovations since 1994
Fraud prevention and identity verification company Fideo Intelligence has launched its investigative intelligence platform Fideo Lens.
Fideo Lens enables fraud and financial crime teams to discover hidden relationships between identities, accounts, devices, and behaviors at a time when fraud attacks increasingly involve multiple connected entities and organizations.
Headquartered in Denver, Colorado, Fideo Intelligence made its Finovate debut at FinovateFall 2025 in New York.
Financial crime prevention specialist Fideo Intelligence has unveiled its investigative intelligence platform Fideo Lens. The new offering helps fraud and financial crime teams uncover hidden relationships between identities, accounts, devices, and behaviors, enabling them to better address the increasingly coordinated nature of fraud attacks.
Starting with a single identity signal, fraud investigators can use Fideo Lens to visualize and connect data associated with that identity and convert fragmented identity data into interactive investigative intelligence within minutes, reducing the time spent on manual searches across multiple systems. Fideo Lens gathers relevant entities, people, devices, identifiers, behaviors, and activity into one interface, making it easier to spot potential connections between individual signals. This accelerates the fraud investigation process while enabling teams to make more confident decisions.
“Fraud and financial crime rarely exist as isolated events anymore; they play out across networks of connected identities, devices, and organizations,” Fideo Intelligence CEO Chris Harrison said. “Most investigators still have to piece those relationships together manually. Fideo Lens helps investigative, fraud, and financial crime teams uncover hidden connections in minutes, so they can move faster on critical cases and disrupt financial crime networks to prevent losses or additional risk.”
Search-based fraud investigations can fail to identify the relationships within the coordinated network of aliases, shared devices, and interconnected accounts that increasingly underpin modern fraud and financial crime. As a result, fraud investigators have had to spend significant time piecing together fragmented data from multiple, disconnected systems in order to see the entire network. In contrast, Fideo Lens gives teams interactive relationship mapping, broad identity intelligence, faster entity resolution, stronger network analysis, explainable findings, and continuously refreshed intelligence to help investigators spot emerging relationships and changing risk patterns.
“Analysts and investigators should not have to spend most of their time jumping between disconnected systems,” Harrison added. “Fideo Lens turns fragmented identity data into a clear view of the people, accounts, and devices involved, helping teams investigate cases faster and improve fraud and recovery outcomes.”
Fideo Intelligence made its Finovate debut at FinovateFall 2025 in New York. At the conference, the Denver, Colorado-based company demonstrated Fideo Verify, its AI-powered identity verification and fraud prevention platform for banks, credit unions, fintechs, and financial platforms. Fideo Verify combines multiple identity verification strategies, such as synthetic ID detection, device analysis, and breach exposure, into a single API. Powered by Fideo Intelligence’s Identity Fraud Intelligence Network, Fideo Verify streamlines risk decisions, lowers operational costs, and continuously learns by analyzing dynamic data.
Founded in 2024, Fideo Intelligence screens more than 95 billion transactions a year. The firm is backed by Baird Capital, Blue Note Ventures, and Foundry Group.
FinovateFall 2026 will showcase more than 70 innovative fintech companies. Join us September 9–11 at New York’s Marriott Marquis Times Square for three days of cutting-edge fintech demos, expert insights, and high-impact networking.
German digital banking and investment company Scalable Capital has opened its platform to major AI assistants including OpenAI, Claude, and Grok.
Clients of Scalable Capital will be able to connect their accounts to their preferred AI assistant via this new Agentic Investing capability, and have the assistants conduct a range of operations from developing savings plans to executing trades.
Founded in 2014, Scalable Capital made its Finovate debut at FinovateEurope 2016 in London.
If you didn’t get enough German fintech news with last week’s edition of Finovate Global, then we’ve got another story for you!
Munich-based digital banking and investment firm Scalable Capital has opened its platform to major AI assistants, including OpenAI’s ChatGPT, Anthropic’s Claude, and X’s Grok. Announced this week, the new Agentic Investing capability can be activated in clients’ profile settings, allowing them to connect their account to their AI assistant of choice.
“Agentic investing represents the greatest technological shift in financial technology since internet banking,” Scalable Capital Founder and Co-CEO Erik Podzuweit said. “By opening our platform, we are setting the benchmark for how humans, AI, and the capital markets interact.”
Clients will have access to all key features of Agentic Investing from day one: trading, establishing savings plans, managing watchlists, and creating price alerts. Agentic Investing offers native search for stocks, ETFs, and derivatives like options—with news, real-time quotes, and historical price data available free of charge. Clients will also be able to take advantage of Scalable Insights, which enables human investors and AI assistants alike to conduct in-depth portfolio analysis, including diversification health checks, scenario analyses, sector and regional breakdowns, and risk assessments.
Agentic Investing enables clients to manage a wide range of actions using simple, natural language prompts. From creating personalized newsletters and monitoring model portfolios to developing savings plans, managing trade orders, and building custom tools like interactive dashboards, the new offering delivers enhanced personalization and efficiency.
The new capability is the latest iteration of Scalable Capital’s AI ecosystem. In August of last year, the company unveiled Insights, an AI-powered chatbot that responds to financial queries and provides real-time analysis directly through the Scalable Capital app. The company noted that it will continue expanding Agentic Investing and integrating AI across more areas of its platform to support clients as they build their wealth. To facilitate integration, Scalable Capital provides both a Command Line Interface (CLI) and a Model Context Protocol (MCP) server. The CLI application can be installed directly on a user’s device. MCP is a standard originally developed by Anthropic that is now supported by major AI assistants to connect with external providers.
Founded in 2014 and headquartered in Munich, Germany, Scalable Capital made its Finovate debut at FinovateEurope 2016. The firm offers individuals accounts that enable them to save and borrow, as well as invest in stocks, ETFs, cryptocurrencies, funds, and more. The company’s digital wealth management business creates and manages globally diversified ETF portfolios for clients.
Running alongside FinovateFall on September 11 in New York City, IMPACT Funders & Founders is a special opportunity for innovative fintech startups and scale-ups to connect with venture capitalists, corporate investors, and industry leaders.
For investors, IMPACT offers an early look at some of the best investment prospects in fintech, targeted one-on-one meetings with startups, and insights from experts on common challenges faced by fintech investors today. For founders and startups, IMPACT provides opportunities to network individually with top VCs, angel investors, and private equity firms, pitch directly to leading investors, and learn from veteran fintech executives on how to grow and scale.
IMPACT is a one-of-a-kind event. But is IMPACT for you? Here’s a look at our updated agenda, including a peek at our Pulse Roundtables, a special opportunity for candid, off-the-record conversations between funders, founders, and attendees.
Remember that IMPACT Funders & Founders is its own event and requires a separate pass from FinovateFall 2026. Create your package and secure your Funder or Founder & Startup Pass at our IMPACT Funders & Founders hub.
The day begins with IMPACT Funder & Founder Meetings: pre-scheduled, 10-minute, one-on-one meetings directly connecting startups with active investors. This session is followed by a dual-track conference-within-a-conference with one stage dedicated to the issues and concerns of fintech startups and another stage focused on the challenges faced by fintech investors. Each stage will consist of keynotes, fireside chats, and power panels covering a range of topics from AI and investment trends to tokenized assets and navigating regulatory change.
For Funders
Opening Keynote: The Future of Venture Capital: Navigating Change. This opening keynote will focus on how AI, tokenized assets, and innovative fund structures are reshaping the venture capital landscape.
Power Panel: GP-LP Evolution and Market Dynamics. This power panel will explore evolving dynamics between GPs and LPs, including co-investment trends, GP-led transactions, and strategies for navigating global capital flows.
Keynote: The Advantage Shift: How AI, Regulation, and Trust are Reshaping Competitive Advantage. Featuring Cate Taylor, CEO of communications and corporate affairs advisory firm Bayes Global.
Lightning Round Presentations: These 10-minute talks feature industry professionals sharing their insights on key issues in fintech and investing, including:
Mindset Ventures Managing Partner Boaz Albaranes on The Liquidity Problem: How Venture Capital Adapts to 15-Year Private Companies
Sidecut Ventures Managing Partner Mike Ma on Why Capital Efficiency is Replacing Growth-at-all-Costs
Thomson Reuters Ventures Investor Alex Carvalho on Fintech Valuations After the Reset: What Deserves a Premium Multiple?
Global PayTech Ventures Managing Partner Kristofer Perez on The Return of Consumer Fintech: AI Enables Opportunities in Lending, Payments, and Personal Finance
Check out the Pulse Roundtables! Our Pulse Roundtables are a unique opportunity for candid, peer-led conversations between attendees. For Funders, we’re featuring discussions on distribution as the new moat and the evolving landscape of crypto and digital assets.
For Founders
Fireside Chat: A Fintech Success Story. This fireside chat will highlight the pivotal moments that defined a company’s trajectory.
Power Panel: Fundraising Playbook—Tactics That Work Now. This power panel will discuss best practices for startups seeking funding, from the first meeting to the term sheet.
Keynote: The Visibility Gap and How to Get Found in the Era of AI. Featuring Greg Matusky, Founder and CEO of financial services PR agency Gregory, and host of the AI-focused podcast The Disruption is Now.
Fireside Chat: AI as Your Growth Engine. This fireside chat will focus on how startups are using AI to scale faster and cheaper. This chat will be moderated by Steven Ramirez, CEO of Beyond the Arc, in conversation with Fintech Sandbox Co-Founder Sarah Biller.
Lightning Round Presentations: These 10-minute talks feature industry professionals sharing their insights on key issues in fintech and investing, including:
Launch Factory Partner Alessandro Rinaldi on Building Strategic Networks and Advisory Boards
Accutive Fintech Strategist and Evangelist Derek Corcoran on GTM Strategy: From Zero to Market Traction
Finkr COO and Co-Founder Paul Mullins on Talent Strategy: Building High-Performing Fintech Teams
Don’t forget the Pulse Roundtables! For Founders, we’re offering conversations on developing scalable operational strategies and coordinating go-to-market efforts with growth and market expansion, as well as a look at how to leverage AI-driven insights to optimize customer acquisition, retention, and deal closure.
The day concludes with our IMPACT Startup Spotlight, featuring a series of pitches from a curated group of fintech startups and scale-ups. Scheduled for the spotlight are:
Fed Alcius, Founder, Rends.ai
Annie Burtoff, Founder, Confidio
Alisha Chowdhury, CEO & Co-Founder, Kiro Money
Betiana Darderes, Founder & CEO, Palomonte Labs
Alex De Marco, Founder & CEO, MoneyStack
Paigaam Dhaliwal, Co-Founder, Alt Indices
Mario Jiménez Gárate, Founder & CEO, CredX.AI
Carla Garcia, Founder & CEO, My Plan Keeper
Connor Gillooly, Founder & CEO, CreditMark
Anaïs Howland, Founder & CEO, Oasive
Timothy Li, CEO, LendAPI
Vijay Parwari, Founder & CEO, Code Comprehend
Bart Vanhaeren, Co-Founder & CEO, Young Early Starters
Brett Vasconcellos, Co-Founder & CEO, Paywhere
Jay Zigmont, Founder & Chief Visionary, Childfree Trust
Loan origination and management platform LendAPI has partnered with cashflow bureau EDGE.
The partnership will enable LendAPI to help lenders integrate cashflow intelligence into their lending workflows, giving them access to EDGE consumer reports, scores, and risk attributes.
Founded in 2024, LendAPI won Best of Show in its Finovate debut at FinovateFall 2025 in New York.
Loan origination and management platform LendAPI has teamed up with cashflow bureau EDGE. The partnership will enable lenders to access EDGE consumer reports, cashflow scores, and risk attributes directly within LendAPI’s decisioning and servicing workflows.
EDGE aggregates bank account and transaction data, transforming it into explainable, machine-learning-derived scores and attributes for lending and rental screening. LendAPI is used by credit unions, community banks, and consumer and embedded finance lenders to configure products, automate decisioning, originate loans, and manage portfolios from a unified lending platform. The partnership will make EDGE cashflow bureau intelligence available to LendAPI customers. EDGE consumer reports, cashflow-derived scores, and risk attributes will be accessible inside LendAPI’s Rules Studio and Model Studio. This data will also be available to inform post-origination servicing via LendAPI’s loan management system, Embarc.
Access to EDGE will enable lenders using LendAPI to incorporate cashflow intelligence into the workflows where credit decisions are made and managed. One use case, which also underscores the ability of EDGE to reach creditworthy, underserved borrowers, is conducting thin-file income and ability-to-pay assessments on unsecured personal installment products such as Buy Now, Pay Later and debt consolidation loans. EDGE enables lenders to build cashflow-informed policies such as these and test them in a sandbox environment before putting them into production.
“Our customers do not want another data contract to administer,” LendAPI Co-Founder and CEO Timothy Li said. “EDGE scores and attributes are now configurable in Model Studio and Rules Studio, so a lender can stand up a cashflow-informed credit policy in an afternoon, validate it against their own portfolio, and carry those insights through to servicing in Embarc.”
LendAPI’s partnership with EDGE comes as the cashflow bureau unveils an expanded suite of scores, including an Account Health Score, a Liquidity Stability Score, and an Early Payment Default (EPD) score. The Account Health Score gives lenders a current view of a borrower’s financial health. The Liquidity Stability Score evaluates near-term repayment capacity for products such as cash advance and earned wage access. The EPD Score assesses the risk of early default for installment and other longer-duration credit. The newly expanded suite is built on EDGE’s growing data lake of bank transaction and loan performance data from its network of participating lenders.
The partnership will also make EDGE’s bank aggregation solution, EdgeConnect, available through the LendAPI platform to give lenders a single path from account data to cashflow bureau intelligence inside a unified lending ecosystem. EDGE joins nearly 30 data and infrastructure providers available via the LendAPI partner catalog.
“EDGE was built to help lenders act on cashflow data, not just access it,” EDGE Founder and CEO Brian Reshefsky said. “Our partnership with LendAPI gives lenders a direct path to use EDGE consumer reports, scores, and attributes inside the systems where lending teams already work. That is how cashflow intelligence moves from standalone analysis to improved decision-making across the lending lifecycle.”
Chicago, Illinois-based EDGE offers a predictive intelligence platform that uses alternative data for consumer risk scoring and predictive behavioral mapping. The company’s data lake combines consumer-permissioned bank transaction data with loan performance at scale to deliver predictive risk analytics and modeling attributes curated for immediate action in underwriting decisions. Founded in 2021, the company helps lenders boost conversions of consumers who are often overlooked when traditional risk assessments are used.
Founded in 2024 and headquartered in Irvine, California, LendAPI won Best of Show in its Finovate debut at FinovateFall 2025. At the conference, the company demonstrated how its all-in-one platform enables lenders to launch a variety of financial products in minutes with full underwriting, model implementation, and third-party data integration.
This week’s edition of Finovate Global features the latest fintech headlines from Germany.
Berlin-based spend management platform Moss raises capital
Germany has a new fintech unicorn.
Moss, a spend management platform based in Berlin, has raised €30 million ($35 million) in Series C funding. The round was led by Portage and Cherry Ventures. It brings the company’s total funding to more than €200 million ($234 million) and gives the firm a valuation of more than €1 billion. The funding will enable Moss to develop additional AI agents to automate financial processes for small and medium-sized companies.
“This round reflects the trust of customers and partners in shaping the future of finance,” Moss CEO and Co-Founder Ante Spittler said in a LinkedIn post announcing the investment. “It allows us to expand beyond spend management and further build out our Finance AI product suite. Soon, Moss will allow customers to configure agents for every finance job while maintaining full control over every step and decision taken. This is Finance AI, shaped by you.”
Founded in 2019 by Spittler, Anton Rummel, Ferdinand Meyer, and Stephan Haslebacher, Moss was among the first fintechs to offer corporate credit cards to German startups. Today, the company combines corporate cards, invoice management, reimbursements, real-time budgeting, and automated accounting in a single platform. Moss leverages agentic AI to automatically categorize and reconcile transactions and reports that its AI agents process more than two million transactions a month.
The investment also paves the way for Moss’ development of what the company and investor Cherry Ventures refer to as Finance AI: “AI that prepares the work, shows its reasoning down to the ledger account, and takes no consequential action without the team’s sign-off,” Cherry Ventures noted in a LinkedIn post. “Moss asked its customers what they wanted from AI and built exactly that, control at every step.” Cherry Ventures was referring to a Moss survey that indicated that 48% of financial leaders identified “control” as their top priority when it came to deploying AI, with only 6% wanting AI to have “full autonomy.”
Moss serves more than 5,000 businesses and generates more than €70 million in annual revenue. In addition to its Berlin headquarters, the company has offices in Tallinn and Amsterdam.
YouLend partners with comrce on embedded capital
Embedded finance platform YouLend and e-commerce software platform for German SMEs comrce have forged a strategic partnership to help small businesses access working capital directly from within their current e-commerce operations. The partnership will combine comrce’s e-commerce platform with YouLend’s embedded finance technology to enable Germany’s 24,000 merchants to explore potential financing options.
“With YouLend, we are expanding our e-commerce offering with a service that can support merchants as they take their next steps towards growth,” comrce Head of Partner Management Amirah Hadry said.
YouLend and comrce have been partners since May, but are just now formally announcing their alliance. The partnership will make information about YouLend financing options available alongside the software and communications channels used by merchants to manage orders, inventory, accounting, and customer service. comrce will direct merchant financing queries to YouLend, which manages the financing process via its digital platform.
“comrce is part of the day-to-day operations of around 24,000 merchants,” YouLend General Manager Europe Leonard Strigel said. “Now, we are bringing them flexible financing options to give them greater access to growth capital. Our partnership demonstrates how embedded financing is incredibly vital to the day-to-day success of small businesses.”
Founded in 2015 and headquartered in the UK, YouLend offers an embedded financing platform that powers e-commerce, payments, and technology firms ranging from Amazon to SumUp. The company operates in more than 11 markets across the UK, EU, and US.
A leading e-commerce software hub, comrce offers specialized e-commerce solutions such as Billbee (automated order processing), Amainvoice (accounting software), Replyco (e-commerce helpdesk), and VentoryOne (inventory management) from a single location. Headquartered in Twistetal, Germany, and founded in 2023, comrce gives retailers an integrated ecosystem for automation, multichannel management, and revenue optimization.
N26 integrates with Instant Payments System Wero
Berlin-based neobank N26 has unveiled its support for Wero, the new pan-European instant payment system, via its mobile app. The launch makes the payment service available to eligible customers in Germany and France, with a gradual rollout to other markets planned for the future.
N26 joined the payment system in December 2025, entering into a strategic collaboration that has culminated in the August launch. Embedding Wero into the N26 app’s native transfer flow will enable users to benefit from a single European payment standard for daily digital transactions. The integration will allow users to send and receive funds instantly with individuals who do not hold an N26 account without requiring bank details or an additional app. Transfers are powered by SEPA Instant and the Wero network and arrive in the recipient’s account in less than 10 seconds.
“Instant payments without an IBAN have been a core N26 feature since our inception,” N26 Chief Product and Business Officer Daniel Lappas said. “With Wero, we’re extending this seamless experience to the broader European banking ecosystem, bringing the simplicity N26 customers already know to even more people.”
A European digital bank with a German banking license, N26 offers secure, digital-native banking to millions of customers across 24 markets. Founded in 2013, N26 offers bank accounts, debit cards, international transfers, savings and investments, and insurance products. Today, the bank holds more than €10.5 billion in customer deposits and reported annual revenue of more than €500 million in 2025, marking the firm’s first full year of net profitability. N26 started the year with the launch of its N26 for under 18s solution, a debit card designed for children aged 7 to 17 and managed via their parent’s N26 app.
Here is our look at fintech innovation around the world.
Mastercard and Flash teamed up to expand access to digital payments in the Democratic Republic of the Congo (DRC).
Central and Eastern Europe
The European Investment Fund (EIF) has partnered with Polish national development bank, Bank Gospodarstwa Krajowego (BGK), to launch a €30 million venture capital fintech fund.
Berlin-based AI-powered spend management platform Moss raised €35 million in Series C funding, earning a valuation of €1 billion.
PPRO teamed up with Blik to develop agentic commerce capabilities for local payments in Poland.
There may be no clearer use case for AI than leveraging the technology to transform manual processes and boost operational efficiency. From cross-border payments to document management to fraud investigation to underwriting, fintech innovators have embraced AI to empower banks, credit unions, lenders, and other financial institutions to become more efficient, analyze data better, cut costs, meet compliance obligations, and provide more personalized service to their customers and members.
Beyond simply deploying AI, these fintechs in many cases represent an emerging generation of infrastructure providers that facilitate bank and credit union modernization without requiring them to “rip and replace” their existing core systems. By helping banks and credit unions meet emerging regulatory mandates, boost efficiency, and compete with rivals within and outside of financial services while keeping the cost of modernization low, these innovators are key partners for financial services firms that are eager to deploy new technologies but are wary of the risks of making too many wholesale changes at once.
In this final installment of our look at the demoing companies of FinovateFall 2026, we showcase a diverse group of fintech innovators automating processes and modernizing operations in areas such as payments infrastructure, regtech, lending, fraud prevention, wealth management, and more.
3 Degrees provides community banks and credit unions with technology to launch modern, embedded cross-border payments that enhance the customer experience and generate new revenue. The solution is available for any country, currency, rail, or payout method.
Donevia helps credit unions acquire, convert, and retain members by combining a member onboarding platform with an AI-powered backend performance layer. The solution provides a KPI dashboard to track and improve team performance and delivers AI-powered cross-sell recommendations and call transcription.
FinQub offers a no-code orchestration layer for fintech workflows and compliance, replacing disconnected vendor dashboards with a single defensible decision graph. The solution delivers decisions in seconds rather than days and makes every decision examiner-defensible for seven years.
Finzly offers a cloud-based payments platform for banks, enabling them to offer modern global transaction banking via Finzly’s real-time operating system Finzly BankOS. Easily integrated into banks’ core systems, Finzly’s technology can be used to centrally process ACH, FedWire, RTP, SWIFT, and FedNow payments.
Designed especially for credit unions, Glide is a digital account opening, lending, and onboarding platform that leverages AI for document collection and member intelligence. The solution offers embedded identity verification, fraud detection, and instant funding.
Go Abacus’ Go.AI is an on-prem AI platform for financial institutions that delivers private large language models, secure data indexing, and auditable AI assistants built for regulatory environments. The solution offers permission-aware outputs with full response control over what the AI is saying, with all outputs aligned to regulatory requirements.
Kato offers compliance-first automation that helps lenders scale, reduce servicing costs by up to 80%, increase recoveries, and free up agents so they can focus on higher-value issues. Lenders use Kato to automate thousands of calls, producing a 15x ROI on recoveries and an 80% reduction in cost per call.
MHC specializes in providing AI-powered SaaS solutions for document and payment automation in highly regulated industries. The company offers end-to-end customer communications workflows that integrate with any system, as well as low-code/no-code software that empowers business users.
Mobena is an integrated income tax, estate planning, and wealth management platform built for complex families. The technology models income tax for an entire family over any period of time, calculates income tax at a CPA level, and accurately models grantor and non-grantor trusts.
Financial institutions leverage Naehas’ platform to manage offers, automate disclosures, and review marketing content at enterprise scale to ensure regulatory compliance. The platform creates governed campaigns in minutes rather than months, binds each offer to approved disclosures at creation, and tracks every customer action with real-time fulfillment.
Neural Payments’ Payments Hub connects banks and credit unions to every major payment rail and wallet in the US via a single, fully branded integration. The solution delivers adaptive routing and fraud controls and offers branded P2P and FedNow functionality in-app. Institutions can go live with the technology in 90 days.
On Time Harvest is a SaaS financial management platform and mobile app that helps individuals, families, and small businesses secure real-time cash-flow visibility, forecast discretionary income, manage shared finances, and make smarter financial decisions. The platform provides lending readiness, shared dashboards, and responsible BNPL planning.
SLC Digital helps organizations prevent account takeover and high-risk digital fraud through the most secure and private communication channel available for digital authentication. The company provides identity theft and fraud prevention and supports continuous regulatory compliance, while lowering operational costs, and increasing customer trust.
Tacnode is a Context Lake: a single database that provides every AI agent and service with the same live, semantic context to ensure the accuracy of real-time financial decisions. The company’s Context Lake platform unifies transactional and analytical workflows in a single system, combining real-time performance, PostgreSQL compatibility, and cloud-native scalability.
Transvision Solutions’ STAR AI is an autonomous AML investigation engine that runs 150+ intelligent checks to provide a complete, auditable investigation in less than five minutes. The solution delivers end-to-end autonomous investigations across KYC, sanctions, transactions, UBO, as well as ML risk scoring with explainability and LLM-generated SAR narratives.
Valcori Workmate unifies workflows, data, and teams to reduce friction, increase transparency, and unlock efficient, scalable growth for independent wealth management firms. The company offers AI-driven tools that boost efficiency and simplify the daily demands of running a wealth management business via intelligent, collaborative technology.
Vertyx leverages headless AI to enable financial institutions and lenders to remain engaged with homeowners beyond the close of the loan. The company’s platform also automates servicing workflows, lowering service costs and features AI-powered quality control and compliance monitoring that covers the entire portfolio.
Why banks and credit unions should care
For some time, the biggest challenges to bank, credit union, and lender technology modernization were cost, complexity, and risk. These remain reasonable concerns. Major core platform overhauls are expensive, as are enabling new technologies like AI, and trying to integrate AI tools into current operations can seem like an overwhelming task, especially if the right technical talent is not on hand.
Fortunately, fintechs today are capable of responding to these challenges with solutions that automate manual processes to cut costs overall, as well as new, modular AI-enabled tools that do not require major “rip and replace” operations. A number of these innovators also offer professional services on an ongoing basis to ensure that implementations stay on track and new technology deployments do exactly what they are designed to do. Increasingly, for banks, credit unions, lenders, and other financial services providers, the question is not whether to modernize, but how to find the modernization partners that are the best fits for the institution’s goals.
OmniAI, an agentic AI firm that made its Finovate debut at FinovateFall 2025 last year in New York, has rebranded as Monumint.
“This is more than a new name. It’s the next chapter of our company,” the firm began its LinkedIn post discussing the rebranding. “As financial services enters the era of AI, every customer should still receive a personal, high-touch experience,” the post continued. “We believe conversational AI is the foundation that makes that possible. That’s why we’re becoming Monumint.” The new name of the firm was inspired by the strength and endurance of monuments, “structures that have been built to last … just like the relationships financial institutions build with their customers.”
Monumint offers a conversational AI platform for financial institutions. The company’s technology leverages agentic AI to manage the entire borrower lifecycle across email, SMS, and voice. Monumint’s AI agents support account opening, loan origination, servicing, and collections, verifying and pre-qualifying applicants, collecting documents, responding instantly to balance, payment, and account queries, and, when necessary, providing empathetic, policy-guided outreach to enhance the collections process. This includes routing hardship signals directly to human agents.
The company’s rebrand comes at a time when a growing number of banks and credit unions that have built their businesses around relationship banking are facing challenges from technology-enabled rivals who are making it easier for customers to open accounts, secure the assistance and advice they need, and move money quickly without requiring a branch visit or dealing with a call center. The instant access that consumers increasingly expect in other aspects of life is quickly becoming an expectation among consumers of banking and financial services. Enabling community banks, credit unions, and lenders to deliver this access through innovative technologies like agentic AI will empower these firms to compete more effectively for the engagement—and deposits—of the financial services consumers in their communities and beyond.
“The next generation of financial services will be built around personal relationships at massive scale,” the company noted in a rebrand announcement on its website. “The winners will not be the institutions with the biggest balance sheets, but the ones that can give every customer a banker in their pocket, available across every channel, with the context to help and the judgment to know when a human should step in.”
As OmniAI, Monumint made its Finovate debut at FinovateFall 2025 in New York. The company showed how its AI agents for lending accelerate borrower onboarding, delivering faster responses and fewer delays for borrowers, as well as fewer drop-offs and cleaner data to enable lenders to make faster, smarter credit decisions. Each agent is trained on the financial institution’s workflow, guiding applicants from intake through to underwriting-readiness, gathering documents, verifying data in real time, asking contextual questions, and escalating issues as needed to human professionals.
Monumint is a Y Combinator alum, joining the accelerator as a member of the Winter 2024 cohort. Tyler Maran (CEO) and Anna Pojawais (CTO) are the company’s co-founders.
APL Federal Credit Union has teamed up with digital banking engagement firm Spiral to give its members new, seamless ways to save and donate to their favorite charitable causes.
The credit union, which uses the Alkami Digital Banking Platform, will embed Spiral’s Roundup Center and Giving Center, innovations demoed last year at FinovateFall 2025 in New York.
Spiral’s partnership with APL FCU comes just a few weeks after the fintech announced a similar partnership with California-based Foothill Credit Union.
APL Federal Credit Union, a Maryland-based credit union, has partnered with Spiral to give its members new ways to save for their financial goals through everyday purchases while seamlessly supporting local and national charities.
“Credit unions have a unique opportunity to drive deposits and primary relationships by helping people make financial progress every day,” Spiral Founder and CEO Shawn Melamed said. “APL FCU is showing how digital banking can help members save more, give back to the causes they care about, and strengthen the communities they serve.”
APL FCU will embed Spiral’s Roundup Center into the Alkami Digital Banking Platform it uses, enabling members to automatically round up debit card purchases and direct the spare change toward their savings goals or their favorite charitable causes. The credit union will also deploy Spiral’s Giving Center, which allows members to seamlessly donate to their preferred charities directly from their digital accounts. The Giving Center also lets members create a portfolio of favorite charities, track the impact of their charitable gifts, and receive a report on their donations for tax purposes.
“Helping our members achieve financial success has always gone hand in hand with supporting our local communities,” APL FCU Chief Strategy & Growth Officer Kevin Marvel said. “With Spiral, members can automatically grow their savings and support the causes they care about through everyday banking, making saving and giving a natural part of their daily lives.”
Serving individuals and families who live, work, attend school, or conduct business in Howard County, Maryland, APL FCU was founded in 1954 by eight employees of The Johns Hopkins University Applied Physics Laboratory. The institution was a pioneer in online banking, launching the service in 1996, and secured its community charter in 2000, enabling APL FCU to offer memberships to individuals other than APL employees. Today, the financial institution has more than 31,000 members and total assets of $700+ million.
Founded in 2019 and headquartered in New York, Spiral made its Finovate debut at FinovateFall 2025. At the conference, the company demonstrated how its Savings Center and Giving Center for banks and credit unions help financial institutions grow deposits, increase engagement, and boost loans. Savings Center leverages personalization, gamification, and automation to help account holders build better financial habits and reach their financial goals. Giving Center enables account holders to manage their charitable giving and easily donate to both local and national charities.
Spiral’s partnership announcement with APL FCU comes just days after the New York-based fintech reported that Foothill Credit Union, a Southern California-based financial institution, will also embed Spiral’s Roundup Center and Giving Center into its digital banking platform. With $660+ million in total assets and approximately 29,300 members, Foothill Credit Union serves employees of specific school districts, hospitals, government municipalities, and Select Employer Groups (SEGs) across the San Gabriel Valley, as well as immediate family members of eligible employees.
Onboarding and engagement specialist Swaystack has partnered with Oxford Bank of Michigan and Cascade Federal Credit Union of Washington State.
Oxford Bank and Cascade FCU will both use Swaystack’s gamified onboarding and engagement solution to enhance and streamline onboarding, account funding, direct deposit switching, and more.
Headquartered in Miami, Florida, Swaystack made its Finovate debut at FinovateFall 2026.
Customer onboarding and engagement specialist Swaystack has teamed up with Oxford Bank, the oldest commercial bank in Oakland County, Michigan. Swaystack will bring its gamified onboarding and engagement solution to the bank’s customers within Jack Henry’sBanno digital banking platform, helping customers fund accounts, switch direct deposits, and transfer subscriptions from the first login.
“We’ve always believed that earning a customer’s trust means showing up at every step of their financial life,” Oxford Bank Chief Operating Officer Nancy Rosentrater said. “With Swaystack, we can now do that digitally—walking customers through funding their account, switching their direct deposit, moving their subscriptions—helping them grow with us through new products and referrals. It’s a complete ecosystem that turns a new account into a primary relationship.”
The partnership between Swaystack and Oxford Bank comes as the trend of banking consumers maintaining relationships with multiple financial institutions has accelerated significantly in recent years. A report from J.D. Power noted that in the third quarter of 2025, 52% of newly opened checking accounts were additional accounts rather than replacement accounts. This puts significant pressure on banks, credit unions, and digital banking providers. As consumers continue to divide their financial activity across institutions, the ability of any individual institution to earn customers’ savings deposits, direct deposits, and trust is tested. Unfortunately, as Swaystack CEO and Co-Founder Har Rai Khalsa explained, the traditional solutions to this challenge have often failed to work for many community banks and credit unions.
“Most banks chasing this problem end up buying four or five different tools and spend(ing) years trying to make them work together,” Khalsa said. “We built Swaystack so that community banks like Oxford Bank only need one platform. Everything from the first deposit to the next product moves as a single connected journey, each step setting up the one that follows. For Oxford, that means real growth from customers they already have. We are giving a bank that has earned trust for over a century a modern way to deliver it, while maintaining what makes people trust them in the first place.”
Founded in 2024 and headquartered in Miami, Florida, Swaystack made its Finovate debut at FinovateFall 2025 in New York. At the conference, the company’s CEO and founder demonstrated Swaystack’s gamified onboarding platform, which enables banks and credit unions to boost engagement with experiences that activate primacy, reduce dormancy, and transform new accounts into lasting relationships.
Swaystack’s partnership with Oxford Bank comes a month after the fintech announced a similar partnership with Washington-based Cascade Federal Credit Union. As with Oxford Bank, Cascade FCU will pair Swaystack’s onboarding technology with the Banno digital banking platform.
“We have always known our strongest growth comes from the members we already serve, but personalizing that outreach at scale was something our team could not do by hand,” Cascade FCU VP of Marketing Ashley Smart said. “Swaystack enables us to guide every member through these first decisions, and it turns the referral instinct we have rewarded for years into something that happens naturally as part of the experience.”
Cascade FCU was founded in 1952, and has more than 10,900 members. The credit union was initially chartered to serve workers of the Great Northern Railway and today is the financial home for more than 100 employer groups throughout Washington State and has $370+ million in assets. Headquartered in Kent, the member-owned, not-for-profit institution offers checking, savings, money market, certificates of deposit, IRAs, and youth savings accounts, as well as a full range of lending options, including auto, home, personal, and student loans, and credit cards.
Interested in companies developing innovative new solutions for credit unions and their members? Check out our latest look at the Credit Union Spotlight, coming to FinovateFall 2026 next month in New York!
Will World Liberty Financial, the crypto venture linked to President Donald Trump, secure a bank charter? Will PayPal sell itself to Stripe? There’s a lot to mull over in the fintech headlines as the week begins. Be sure to check back here at Finovate’s Fintech Rundown all week long for the latest in news and announcements.
Digital banking
Regional financial institution Flagstar Bank ($87.7 billion in assets) partners with Fiserv to support its core modernization strategy.
Oman-based BankDhofarintroduces youth accounts to promote financial literacy among the country’s young adults.
Agentic AI
Alipayunveils China’s first full-stack agentic commerce platform.
Most folks in banking and financial services do not enjoy talking about fraud and financial crime. This is not surprising. When it comes to fraud, there is rarely “good news.” Instead, it’s usually a matter of “no news” vs “bad news,” In this world, many can’t help but feel as if the “good news” is that the “bad news” hasn’t happened—yet.
While keynotes and industry stages dedicated to fraud and financial crime will be limited at FinovateFall 2026 next month, the world looks quite different from the demo stage, where a dozen companies will be showcasing their latest innovations to help banks, credit unions, and other organizations monitor their processes in real time, detect fraud before it causes emotional or financial damage, and provide procedures and strategies to help avoid similar attacks in the future. In other words, just because we don’t always hear C-suite executives from banks and financial services companies talking about fraud, do not for a moment believe that fraud and financial crime are anything but top of mind.
Today, in our latest FinovateFall 2026 preview post, we’re introducing you to these 10 fintech innovators that will be demonstrating their fraud prevention solutions live on stage on September 9 and 10.
Darwinium is an AI-powered fraud prevention platform that combines continuous monitoring with real-time decisioning to enable fraud teams to identify and respond to fraud attacks ranging from account takeover and API abuse to scams and mule activity. The company’s technology has delivered a 50% reduction in fraud and a 40% reduction in operational costs. Distinguishing trusted behavior from risky behavior—in both humans and AI agents—Darwinium provides fraud defense from the first interaction through high-risk actions and payments.
A leader in voice security solutions for banks and other financial institutions, Illuma offers a voice authentication and fraud prevention solution, IllumaSHIELD, that replaces knowledge-based authentication practices with a seamless and secure, real-time voice authentication solution that enhances the caller experience, improves operational efficiency, and prevents fraud in contact centers.
Kita offers an AI-powered lending operations and credit assessment platform that transforms borrower documents into fraud-checked underwriting signals. Kita enables lenders to transition from scattered borrower documents and manual workflows to consistent, decision-ready credit analysis that keeps final decision-making in human hands. The platform’s trio of AI agents—Kita Capture, AI Credit Officer, and AI Underwriter—provides end-to-end underwriting for every kind of lending, from microfinance to SME lending and commercial loans.
Loquat provides seamless KYC, KYB, fast onboarding, virtual cards, automated lending, back-office lifecycle management, and CALM Portal for credit unions and community banks. The firm’s Loquat IQ leverages an institution’s data to deliver contextual insights that drive strategic and operational success.
McCarthy Hatch is a regtech firm that helps financial institutions identify regulatory risks. The company’s FSAi is an AI-powered analytics platform that detects systemic consumer harm patterns in financial services by analyzing customer complaints. FSAi delivers real-time monitoring of risk exposure and enables strategic, proactive measures to significantly reduce compliance spending.
Omnisient offers a privacy-preserving data collaboration platform that enables financial services companies to access consumer behavior data directly from retailers and consumer brands. The company’s solution leverages secure collaboration and AI-driven analytics to empower businesses to build predictive models and data products to help them find and better serve future customers across industries.
Radar, a location infrastructure and intelligence software development firm, offers solutions to help organizations fight fraud, optimize operations, and engage customers at scale. Radar’s platform consists of three solutions: Protect, to stop fraud and verify user location; Optimize, which tracks pickups, deliveries, and field operations with real-time visibility; and Engage, which helps firms reach the right user at the right moment wherever they are.
RangersAI leverages real-time guidance, in-context education, and trusted digital interactions to help consumers avoid scams. The company’s ScamRanger solution is a customer-facing scam education platform that provides alerts and guidance for suspicious messages, helping stop scams before the emotional manipulation—and financial damage—begins.
Saris AI builds and launches AI agents to automate back-office workflows for credit unions and banks. The company’s technology automates 90% of lending, compliance, and operations tasks, and enables banks and credit unions to scale without adding headcount. Saris AI’s solution can be integrated directly into existing cores and LOS platforms, and requires no change management.
An AI communications platform for financial services, Veritus deploys voice and text agents that manage loan servicing and collections at scale. The company’s technology drives application conversions, re-engaging abandoned applications via intelligent outbound calls, SMS, and chat, and boosts collections with proactive outreach to borrowers in early arrears with empathetic, compliant, contextual conversations.
Why Banks Should Care
Bank executives do not need to be reminded—much less informed—about the challenges of fraud and the costs of financial crime. In survey after survey, fraud, especially AI-powered fraud, is among the most frequently cited concerns by not only those who run and manage financial institutions, but also their customers and members. And it’s worth noting that the challenges to effective fraud fighting are not exclusively technical; as more than one financial crime expert has said, the human being, not the technology, is often the weakest link in the chain of defense.
That said, there are many challenges facing bank and credit union executives when it comes to enhancing their financial crime prevention efforts: from data management and legacy technology issues to budgetary constraints and limited availability of technical talent and expertise. And these are the problems that fintechs such as the ones showcased here—and coming to the FinovateFall 2026 demo stage in September—have dedicated themselves to solving for banks, credit unions, their customers, and their members.
AI-powered operating system for wealth management Zeplyn announced a new integration with Schwab Advisor Center to automate account opening and meeting preparation workflows.
The integration follows the company’s launch of a new platform capability, Advisor Coaching, that gives wealth management advisors actionable feedback on their client interactions.
Headquartered in New York and founded in 2023, Zeplyn made its Finovate debut at FinovateFall 2025.
Zeplyn, an AI operating system for wealth management, announced a new integration with Schwab Advisor Center that expands the reach of Zeplyn Agent Nexus into two key workflows for wealth managers: account opening and meeting preparation. The integration enables advisors to open Schwab Advisor Services accounts in seconds, leveraging AI agents to automatically complete Schwab’s digital account-opening workflows while incorporating live Schwab holdings and transactions into Zeplyn’s AI-powered client briefs.
“Schwab Advisor Center is one of the most important platforms in wealth management, and we’re excited to bring the power of Zeplyn Agent Nexus into that ecosystem,” Zeplyn Co-founder and CEO Era Jain said. “This integration is a step toward a new way of working. By combining Schwab data with the intelligence firms already have, we’re enabling AI to complete work that has traditionally remained manual, giving advisors more time to focus on their clients.”
In a statement, Zeplyn noted that account opening and meeting preparation are two of the most time-consuming workflows in wealth management. Advisors are often required to source meeting notes, CRM records, documents, planning software, and custodian platforms to gather the information they need before they can act. In contrast, Zeplyn’s new integration eliminates many of these manual steps. Advisors can direct Zeplyn’s agents to open a Schwab account, gather client data across meetings, emails, CRM records, and documents, initiate the digital account open workflow, automatically complete all relevant data fields, and deliver a finished draft for human review and submission. Early pilots of the integration revealed that Not-In-Good-Order (NIGO) submissions were reduced by approximately 80%.
The integration also boosts Zeplyn’s AI-powered meeting preparation capabilities by incorporating live Schwab holdings and transactions into already-assembled client intelligence. This means that advisors can secure a complete, up-to-date view of every client’s holdings without having to collect the data manually across multiple systems and platforms. Here, early pilots revealed that advisors saved more than 12 hours a week with AI-powered meeting prep.
Zeplyn’s integration with Schwab comes less than a month after the company announced the launch of its Advisor Coaching capability. Advisor Coaching automatically evaluates, scores, and delivers actionable feedback on every client and prospect meeting an advisor has. The goal of the solution is to help wealth management teams deliver a consistent, quality experience for every client. The technology rates each client meeting against the company’s success criteria and provides contextual advice and suggestions to help advisors better serve their clients. As part of the Advisor Coaching capability, firm managers can use Ask Zeplyn to access company-wide performance reports to identify patterns that might be otherwise difficult or time-consuming to find.
“Wealth management firms have always known that consistent advisor performance drives client trust and retention, but they’ve never had a scalable way to measure it,” Jain said. “Advisor Coaching gives firm leaders the same level of visibility into client conversations that top sales organizations have had into their pipelines for years: objective, firm-wide, and available on demand. For an enterprise with hundreds of advisors, that’s the difference between hoping standards are being met and knowing they are.”
Founded in 2023 and headquartered in New York, Zeplyn made its Finovate debut at FinovateFall 2025. At the conference, the company demonstrated its Zeplyn Meeting Assistant: a compliant and secure agentic AI technology that captures client interactions via video, in-person, and telephone, accurately converting them into structured data in real time. Zeplyn Meeting Assistant also automates data entry into CRMs and powers other operations such as auto-drafting personalized emails, summarizing data into client recaps, and surfacing client and advisory trends and insights.
