Finovate Debuts: Settle

Finovate Debuts: Settle

The Finovate Debuts series introduces new Finovate. alums. Today’s feature is BioCatch, which demonstrated its invisible authentication methods at FinovateFall 2014.

SettleLogo

Settle
Settle’s technology focuses on connecting merchants with their customers. Its built-in ordering system, combined with a loyalty platform and merchant dashboard, are tailored for restaurants and bars.

The stats
    • Founded August 2014
    • $1.8 million in funding
    • 15 employees
    • 50,000 users
    • 500+ merchant partnerships for their loyalty/rewards platform

The experience
To create a better customer experience, Settle provides merchants tools, including:

    • Point-of-sale system
    • Customer-facing pre-order system
    • Loyalty platform
    • Merchant analytic tools

How it works:

Customers

Using the Settle app on an iOS or Android device, customers make a payment at business’ Settle point-of-sale system.

At checkout, customers review their order and select the Pay button. For service-based merchants, such as a coffee shop, bar, or cafe, the customer also selects the tip amount.

The transaction is paperless, with the receipts emailed.

SettleMobileCheckout2

To gather feedback for the merchant, customers are prompted to rate their experience.

SettleMobilePaid2
At restaurants and coffee shops, customers can place their order ahead of time and skip the line. The system also manages reservations.
SettlePreOrder
Merchants
Settle offers a merchant platform that makes entering orders easy. It also helps cashiers personally connect with returning customers. When a Settle user walks in the door, the system prompts the cashier with the customer’s name, their usual order, and notes about the person (i.e., always in a hurry).
SettleMerchantDash
Aside from the point-of-sale interface, Settle comes with two compelling features:
1) Loyalty
Since the loyalty platform does not require stamps, cards, or checking-in, it is a low-friction way to encourage repeat purchases.
The Settle system incentivizes users to spend more in order to receive a larger discount. In the example below, the user needs to spend a total of 3,000 Ukrainian Hryvnia (around $230) to receive a permanent, ongoing 10% discount.
SettleLoyalty1

2) Merchant tools
With Settle’s Smart Engine, merchants see recent customer activity and can download a spreadsheet detailing new and returning customers, their purchase frequency, the total amount spent, average check amount, and how much they tip. Merchants can also evaluate their sales over time (see graph below). 
On the employee side, the system shows ratings for each waiter, along with the number of clients handled per check, and how well they are tipped.
The recommendations engine detects anomalies, such as decline in overall sales or average check, and advises how to fix the issue. Additionally, it automatically creates a list of customers who have not returned, and sets up a discount offer to entice them back.
SettleMerchantAnalytics2
The back-end system also enables merchants to push special deals and messages based on certain parameters, such as average spend and birthday month. Once the offers are sent, merchants can measure their effectiveness by seeing how many opened the message and redeemed the offer.
These examples illustrate the mobile purchasing experience, but Settle can also be used online. For both in-person and online purchases, customers are required to confirm the payment on their mobile device. This built-in two-factor authentication creates a more secure experience.
What’s new
The Settle app is currently working in Ukraine, Russia, and other Eastern European countries. It has plans to expand into Europe and is considering the U.S. market. For this expansion, it is seeking a U.S. bank partner.
Settle’s newest development is a P2P payment platform. Users can pay other Settle users by simply selecting their name, entering the amount, and the confirming payment. To see this work in action, check out Settle’s live demo from FinovateFall 2014.

Hey, Developers! FinDEVr Presentation Videos Now Available

Hey, Developers! FinDEVr Presentation Videos Now Available
FinDEVrLogo

Maybe you missed out on the first ever FinDEVr, which was held in San Francisco on September 30 and October 1, or maybe you wish you could go back to watch the presentations again.

Check out all of the presentation videos, fresh off the camera reel.

We have 47 fintech-focused presentations of APIs and back-end tools ready to watch, embed, and download for free. Don’t know where to start? Check out one of the award winning presentations from day one:

Avoka

https://finovate.wistia.com/medias/p7zbi64njm

BehavioSec

https://finovate.wistia.com/medias/3my6elyx7e

PayPal & Braintree

https://finovate.wistia.com/medias/y5r0p6kn2b

Yodlee

https://finovate.wistia.com/medias/02bb8bafg7

Over the next few weeks, we’ll be making some final edits to the videos. You can find the videos using the link above or in the video archives section on Finovate.com.

Thanks again to all who attended and presented!

Finovate Debuts: NopSec

Finovate Debuts: NopSec
Finovate Debuts is a blog series to introduce companies who demonstrated for the first time on the Finovate stage. Today’s feature is NopSec, which demonstrated its Unified VRM system at FinovateFall 2014.
NopSecLogo

NopSec 

NopSec is focused on making the digital world a safer place. For banks, this means getting a handle on cyber security. If you’re a bank with 60,000 hosts under management, with thousands of security vulnerabilities, you have two major issues. First, you need to identify the vulnerabilities, and second, you need to know how to fix them.
With so much much information to sort through to determine and prioritize what needs to be fixed, this can be time consuming. This is where NopSec comes in. Its SaaS-based Unified VRM provides a solution for IT professionals to manage security threats. Using Big Data, it generates a prioritized list of what security issues need to be addressed, and how to address them.

The stats
    • Founded in 2009
    • Headquartered in New York
    • Works with infrastructure both on premises and in the cloud
The experience

The NopSec Unified VRM system helps bank security experts sort through the massive amount of data about security threats, and suggests actions to protect against the threats. Its holistic approach on security can be broken down into four steps:

    1. Identify threats
    2. Explore details
    3. Discover solutions
    4. Create reports 

Step 1: Identify threats

The first step is to identify specific vulnerabilities. The dashboard below provides an overall picture of security risk and vulnerability that is easily digestible for everyone from the technical security professional to the CIO. It is divided into modules that correspond to different threats– external and internal.
NopSecDashboard
Step 2: Explore details
Security analysts can drill down further into vulnerabilities by searching and filtering. The case below shows results filtered by “Top Exploited.”  Other filters, listed on the left-hand side in the graphic below, include criteria for geographic location, available patches, top trends, etc.
Once experts find the individual threats that interest them, they can view a summary description of each case. The graphs along the top provide an overall view of the risk factor, operating system, and location of each threat that matches the search criteria.
NopSecAnalytics_TopExploited
Step 3: Discover solutions
Identifying and understanding the security threats is only part of the equation. The crucial piece is solving the vulnerabilities. To do this, Unified VRM prioritizes the most dangerous and relevant threats by ranking them by importance.
Remediation recommendations are listed next to each vulnerability, along with the number of assets it affects. In the example below, the Microsoft Remote Desktop Protocol Remote Code Execution Vulnerabilities affect 134 assets, so it is ranked as the number one issue to fix. Dividing the bank’s security into manageable pieces helps security professionals know what to focus on.
NopSecInternalNetwork_RiskRankings
In addition to simply advising remediation, the platform has a social aspect that allows for team collaboration. Users just select others they would like to involve in the conversation, and everyone has the ability to comment on the solution.
Step 4: Communicate via reports

To communicate issues and progress with everyone from executives to other technical experts, NopSec provides a reporting tool. It offers four options that tailor the information in the report to the appropriate level for different intended audiences:

    • Executive, for a high level status view
    • Technical, for a more detailed view with technical specifications
    • Full, for a complete view
    • Customized, for an overview mixed with details 
NopSecReport
Benefit to banks
The largest benefit NopSec brings to banks is the ability to proactively secure their systems. By identifying and prioritizing major security threats that affect hundreds of assets, banks’ technical teams can spend more time solving those issues, and less time searching for the issues.
Additionally, the Unified VRM system takes the institution’s security a step above what government regulations require, since they are often times too generic and not applicable to every environment.

Alumni News– October 16, 2014

  • Finovate-F-Logo.jpgFidelity to offer Betterment to 3,000 financial advisers who use its institutional wealth services division.
  • Lending Club named winner of The Economist’s annual Innovation Awards in the consumer products category.
  • TechCrunch reports: Sequoia-Backed Behalf Buys Stuff For Small Businesses Looking To Grow.
  • ReadyForZero PLUS Credit now shows credit scoring factors.
  • FT column on technology and banking features PhotoPay.
  • Pando Daily takes a look at Quantopian’s plan to launch a hedge fund.
  • Jumio teams up with Ribbit.me to build ID verification process for RibbitRewards marketplace.
  • Motif Investing iOS app adds account access with Apple TouchID.
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.

CEO Interview: Mike Iacobucci of Interactions

CEO Interview: Mike Iacobucci of Interactions

Thumbnail image for InteractionsLogo.jpg

For many in attendance at FinovateSpring 2014 in San Jose watching the Interactions demo, the “Aha!” moment came when the virtual agent began speaking flawless Spanish. 

The demo was already impressive, with murmurs of appreciation from the audience as the seamless call and response back and forth between the presenter and the Interactions virtual agent made believers of everyone in the room. 

Mike Iacobucci 2

But the Spanish might have been the breaking point, that moment when technology seemed to do that thing that the great Arthur Clarke insisted it could always do: become indistinguishable from magic.

Magical as the technology may seem, Interactions virtual agent technology is far from magic. Rather, it is the result of a patent-pending technology that succeeds where other virtual technologies, including Apple’s Siri, have struggled. 
Interactions technology has been deployed in industries ranging from retail to hospitality to healthcare, and include Fortune 500 financial services corporations. The company, founded ten years ago, is headquartered in Franklin, Massachusetts, and includes Softbank Capital, North Hill Ventures, Cross Atlantic Capital Partners, Sigma Partners, Prime Ventures, and Updata Partners among its investors. 
We talked with Interactions President and CEO Mike Iacobucci about his company’s technology, how it came to be, and the ways it can be put to use to save money, improve efficiencies, and help improve the customer/client experience.


Finovate: Interactions is a two-time Best of Show award winner. What is it about Interactions that draws such a positive response?
Mike Iacobucci: There are two reasons our demo was impactful: first, because it was a live demo and second, because our technology works flawlessly. 
We’ve all used an automated system in the past, be it an IVR when calling for customer care or Siri on an iPhone. And we know from these experiences that they’re far from perfect technologies. Many of us have seen the replays of Microsoft’s live speech-recognition failures during keynotes in 2006 and 2012.
interactions_homepage_new1
The other reason is because our technology appeals so much to the audience as consumers. Not only do we have a cool technology. It also addresses a serious problem that people know all too well – that a five-minute customer-service call can raise our blood pressure more than our teenage children. 
Our technology makes contacting customer service a value-added experience, and that innovation makes our presentation even more exciting.
Finovate: What has Interactions been working on since FinovateSpring in April?
Iacobucci: Interactions is working to expand our product portfolio by bringing enhanced human-like text and speech-based conversations to every channel and device. Our services are rooted in customer care, but we’re moving into more revenue-generating areas like marketing and sales. 
We’re rapidly expanding into Asia and delivering customer implementations in newer channels like mobile chat and proactive messaging.
Finovate: What makes Interactions’ “Adaptive-Understanding (TM) technology” different from other voice-automation technologies?
Iacobucci: Speech recognition averages 75% accuracy with simple, open-ended prompts in the best conditions, which means that it’s going to fail for consumers in at least one out of every four attempts. Comparatively, our patented Adaptve-Understanding technology performs with 95+% accuracy on simple to complex open-ended prompts, which really changes the game.
Our technology focuses on how computer and human intelligence can work together to achieve a desired outcome. We always use automated speech recognition to apply business rules. When needed in small doses, we supplement with our Human Assisted Understanding capability to leverage a trained analyst’s natural proficiency at noise discrimination and interpretation.
In short, it’s automation with a human touch. And we’ve accomplished this and made it scale for very large multinational enterprises.
interactions_homepage_new2
Finovate: Are there things that a virtual assistant does better than a live human customer service representative? Do you see this changing as VA technology becomes more sophisticated?
Iacobucci: Absolutely. Customer service representatives are great at handling unique situations, troubleshooting complex issues, sales inquiries, and retention calls. However, there’s nothing value-added by having customer service representatives handle data-collection processes. For example, we can fully automate a loan application. It’s a lengthy process, but for us, it’s just capturing a few dozen fields of data. Nothing we can’t handle. And by automating these transactions, the savings are incredible.
When your virtual assistant is handling all of these data-collection transactions successfully, your agents can then spend more time with the call-types best handled by people. And that improves agents’ job satisfaction and retention rates. And, it keeps them more engaged.
Additionally, a virtual assistant is much more secure than a live agent, and collecting private information is an area where we excel. Moreover, we’re consistent, and this is extremely relevant to the financial services sector. The virtual assistant engages in a consistent manner from conversation to conversation, and if anything needs to be read back word for word, our solutions are a much safer bet than a live agent.
interactions_homepage_new3
Finovate: Two years ago in an interview with the Boston Business Journal, you hinted at an initial public offering. Is that still under consideration?
Iacobucci: We have no specific plans for a public offering. The company has the characteristics of a company that can be an innovative institution to a large market.
Finovate: What is the clim
ate like in Boston for fintech innovation? How does it compare to that of Silicon Valley?
Iacobucci: In many ways, Boston and Silicon Valley are extremely similar. With an incredible amount of talent pouring in from the top institutions in the country and an entrepreneurial spirit rivaled by few other cities, Boston is an extremely inviting climate for fintech innovation. 
This is only magnified by a strong presence in venture capital as well as progressive banking and financial institutions like Fidelity, State Street, and Putnam Investments. Additionally, there is a highly concentrated and rapidly growing focus on speech recognition, as seen by recent investments in Boston from Amazon. Google, Nuance, and Interactions.
Finovate: What can we expect from Interactions in the coming months?
Iacobucci: We’re looking to be a broad provider of services to the market beyond the customer care market. We want to leverage our platform to reach other market segments and other regions in the world where speech technology is otherwise inefficient or incapable.
We’ve created interactive systems in both speech and text that can foster the types of conversations that were never thought possible with automation, and with our technology, our potential applications are limitless.
Learn more about Interactions. Watch their Best of Show winning live demo from FinovateSpring 2014 here.

Finovate Debuts: mCASH

Finovate Debuts: mCASH

Finovate Debuts is a blog series to introduce companies who demonstrated for the first time on the Finovate stage.

mCash_logoff2014

mCASH

mCASH seeks to make payments easier by enabling consumers to pay and get paid directly from their mobile device. By scanning a QR code on a screen or printed on paper, consumers can pay for goods or services at a physical point-of-sale (POS), in-app, or online. Additionally, they can make peer-to-peer payments by sending the funds to the recipient’s mobile phone number.

Stats
    • Founded in 2010
    • 25 employees
    • $9.5 million in funding
    • 360,000 merchants have POS terminals that support mCASH
    • Uses two-factor authentication
The experience
Consumers first need to set up their funding source(s), which can include credit and debit cards, direct bank transfer, or prepaid cards. For multiple funding sources, they can set a default option.
mCASHmobile6

Consumers can use mCASH at a physical point of sale or online, by scanning a QR code.

>> At physical POS
mCASH recently partnered with payment terminal provider Point, which is owned by Verifone, to enable merchants to accept payment through mCASH at the physical POS. To pay, users simply open the mCASH app, scan the QR code that appears on the payment terminal, and accept the payment.

mCASHVerifone

When a merchant does not have a POS terminal that supports QR codes, they use a printed QR code affixed near their register.

>> Peer-to-peer payments
To make peer-to-peer payments, users simply:

    1. Select the amount they want to send
    2. Pick the account to fund the transaction
    3. Choose a recipient from their address book
    4. Swipe to confirm the payment
The money is both debited and credited in real time.
mCASHmobile1
>> Mobile merchants
mCASH recently debuted a web app specifically for mobile merchants. Unlike Square and iSettle, this solution does not require additional hardware. Instead, the customer uses their smartphone to scan the QR code on the screen of the merchant’s smartphone, tablet, or laptop.

After scanning the QR code, the consumer receives a payment request on their smartphone and swipes to pay and complete the transaction.

>> Printed ads
mCASH can also be used directly on printed advertisements, billboards, or TV ads to entice consumers to buy. When merchants include a QR code next to a product for sale, customers can scan it using the mCASH app to begin the checkout process. The app requests payment from the customer, who selects their preferred payment method, confirms the amount, and provides their pre-loaded shipping details.

mCASHmobile5
Merchant benefits
Aside from being a platform that merchants can use to accept payments, mCASH also makes it easy for businesses to build loyalty, offers and rewards into the payment experience.
mCASH provides consumers a low friction way to pay while offering merchants an easy and inexpensive method of collecting payment. The two-factor authentication creates a secure payment environment that reduces the risk of fraud for both parties.

Businesses who wish to on-board with mCASH face few hurdles since there is no need to purchase additional hardware and the web-based payment platform works on every device with a browser. Additionally, mCASH chargers a lower transaction fee than solutions such as Square and iZettle.

Check out a video of mCASH’s live demo here.

Alumni News– October 9, 2014

  • Finovate-F-Logo.jpgArxan Technologies partners with Xamarin to provide developers with enhanced application security solution.
  • InComm partners with PayPoint to launch Digital Gaming Vouchers.
  • Former Commonwealth Bank CMO Andy Lark appointed as Xero’s new CMO.
  • Technologie.ie interviews Brian Monaghan, head of online at CurrencyFair on the growth of hacking.
  • Avaus lists Holvi among the 30 smartest companies in Finland.
  • Fairer Finance gives top marks to Zopa in its latest personal loan roundup.
  • Fast Company profiles how BioCatch makes online art out of visualizations of hacking attacks.
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.

Alumni News– October 8, 2014

  • Finovate-F-Logo.jpgXpenditure brings in $1.25 million in funding.
  • Pymnts interviews Mike Laven, CEO of Currency Cloud.
  • WePay launches WePay Clear to powers payments invisibly from the backend.
  • TSYS upgrades CentreSuite, its online self-service solution for commercial cardholders.
  • LSC deploys Cachet Financial Solutions’ Select Mobile Money Platform for LSC’s CU Money prepaid card users.
  • Investment News features Personal Capital.
  • Actiance integrates with PeopleLinx to facilitate social media adoption.
  • Hospitality Marketing Concepts selects Arroweye Solutions to deliver personalized rewards cards and welcome kits.
  • Top Image Systems announces relocation of TIS America’s headquarters to Plano, Texas.
  • In a funding round led by CME Group, Dwolla raised $9.7 million in new capital.
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.

Xpenditure Brings in $1.25 Million in Funding

Xpenditure Brings in $1.25 Million in Funding
xpenditureLogo

Xpenditure, a mobile and web-based expense management platform announced today that it raised $1.25 million in funding from existing investors.

This funding, added to Xpenditure’s initial round of $1.75 million, brings the Belgium-based company’s funding to $3 million.

It plans to use the funding to expand its operations. In fact, it recently opened an office in New York City and plans to grow its team from 15 to 25 people by the end of 2014.

XpenditureHomepage

When users scan their receipts into Xpenditure, the system pulls all relevant data and organizes the information in its web-based portal. Once all of the users’ expenses have been uploaded and organized, they can export expense and reimbursement reports into their ERP software or a CSV file.

Xpenditure was developed in 2011 by CardWise, a company that specializes in prepaid card products.

Check out the demo video of Cardwise’s Xpenditure at FinovateEurope 2014.

FinovateFall 2014 Demo Videos Are Ready for Your Viewing Pleasure

FinovateFall 2014 Demo Videos Are Ready for Your Viewing Pleasure

If you were stuck in the office, scanning the Twitter feed while your colleagues attended FinovateFall a couple of weeks ago, we have good news! You can watch all of the action, as recorded live from the stage, in the FinovateFall demo videos we’ve released today.

FF14CrowdIMG

The 70 presenting companies showed off their newest technology, much of which is the result of years of hard work, in front of the record-breaking crowd of 1500 people.

To get started, feel free to watch the Best of Show winners:

AnchorID

blooom

CrowdFlower

LOYAL3

MX (formerly MoneyDesktop)

Nice

Toopher

Also, don’t forget to check out our Flickr feed that showcases photos from the demos, networking, and everything in between.

Alumni News– October 7, 2014

  • Finovate-F-Logo.jpgMatchi opens global fintech challenge 
  • New Frontier Group to integrate BehavioSec’s behavioral authentication solution in online banking.
  • Boku acquires competitor Mopay, now covers 5 billion users.
  • BBC: Wonga to write off £220m of debts for 330,000 customers.
  • Financial Planning features FutureAdvisor.
  • Tradeshift announces new operations in Japan and Europe, new executive appointments.
  • Merchant Customer Exchange (MCX) partners with InComm to leverage its POS integrations.
  • WallStreetSurvivor.com launches Financial Education Courses.
  • Vista Equity Partners to take Tibco Software private for about $4.3 billion.
  • Expensify announces $3.5 million round led by Barracuda Networks.
  • Blockchain raises $30 million in growth capital.
  • Credit Karma announces equity investment of $75 million; $1 billion valuation.
  • Spreedly announces new investment; raises $750,000 in equity financing.
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.

FinovateFall 2014 in the Press

FinovateFall 2014 in the Press
ff2014PressRoom

After FinovateFall late last month, we’ve been monitoring the press and have seen some great coverage.

While the record-breaking crowd travelled back to their offices, the journalists and industry analysts were heads down at their computers, covering the recently unveiled product launches and new technology. Thanks to everyone who covered this event!

We’ll be updating this post as additional press coverage rolls in over the next few weeks.

Here is the press coverage:

ABA Banking Journal 
Developers set strong presence at FinovateFall
by John Ginovsky
Finovate, the place to get noticed
by John Ginovsky
FinovateFall’s “Best in Show” selections
by John Ginovsky
Fintech future featured at NY event
by John Ginovsky
 
Investing, PFM innovations predominate FinovateFall
by John Ginovsky
New payment solutions debut at Finovate
by John Ginovsky
Security solutions locked in at FinovateFall

by John Ginovsky

Link

Aite Group
FinovateFall Recap: New Digital Advisors Make Their Debut 
by Sophie Louvel Schmitt

American Banker
Four Standout Startups at Finovate Day 2
by Penny Crosman
The Seven Strongest Tech Ideas from Finovate, Day One
by Penny Crosman
Bank Innovation
12 High-Flying Demos from Day 2 of Finovate Fall 2014
by Philip Ryan

Recap of FinTech Week in New York
by JP Nicols

Ten Winning Demos from Day 1 of Finovate Fall 2014
by Philip Ryan
Bank Systems & Technology
Behavior Biometrics a Popular Defense Against Cyberthreats
by Becca Lipman
Finovate Presenters Deliver on Omnichannel Banking
by Jonathan Camhi
How Will Consumers Pay in the Future? Any Way They Want
by Jonathan Camhi
Must. Kill. Passwords.
by Jonathan Camhi
Barlow Reserach Associates 
Innovation Is Booming
by Donna Arce

Barron’s 
Robo-Advisors Multiply
by Mike Hogan
Beyond the Arc
Financial services innovation: live from Finovate Fall 2014
by Steven Ramirez
Financial technology innovation – Finovate Fall 2014
by Steven Ramirez
Finovate 2014 – the final chapter
by Steven Ramirez
Finovate Day 2 continues from New York
by Steven Ramirez
Fintech Innovation – Live Blog from Finovate
by Steven Ramirez
Innovation in financial services – Finovate Day 2
by Steven Ramirez
Our video blog with an overview of Finovate Fall 2014
by Stev
en Ramirez
Technology and innovation for banks – Finovate Day 1 continues
by Steven Ramirez
Video interview with Finovate founder Jim Bruene on financial innovation 
by Steven Ramirez
Video recap: financial services technology and innovation from Finovate
by Steven Ramirez
Celent
Fintech and the Democratization of Investments
by Will Trout

CNBC
Five ways to get help with your 401(k)
by Beth Pinsker
ConsumerReports.org
How to invest like a billionaire
by Nikhil Hutheesing
New free tool may help you deal with debt collectors
by Tobie Stanger
One way to make money with a stash of cash
by Nikhil Hutheesing
CU Times
Credit Union Finovate NYC Favorites: Onsite Coverage
by Robert McGarvey
Finovate’s Day of More: Onsite Reporting
by Robert McGarvey
Finovate NYC Draws Record Crowd: Onsite Reporting
by Robert McGarvey

Financial Services Club Blog
There is no next big thing … get over it #finovatefall
by Chris Skinner
Finextra
Geezeo unveils white label biz financial management tool
Malauzai bids to bring mobile app experiences to the desktop
Matchi opens global fintech challenge
Top Image Systems launches Google Glass app
Yodlee launches custom API for FIs
Fox Business
One way to make money with a stash of cash
by Nikhil Hutheesing
Forbes
Too Nice To Fail: Can Moral Finance Save Your Bank?
by Dan Simon
6 New Apps And Sites To Manage Your Money
by Richard Eisenberg
FPPad
Finovate Fall 2014 highlights, Advicent Solutions acquires Figlo, and tour the Office of the Future
by Bill Winterberg
FT Adviser
Regional Box
by Simoney Kyriakou
Gigaom
More money, more startups: Once-closed financial industry makes a place for independent entrepreneurs
by Jeff John Roberts
HedgeCo.net
HedgeCoVest Demonstrates New Platform At Finovate New York
Alex Akesson

Kansas City Business Journal
‘Hometown Kansas boys’ Blooom wins best in show at Finovate
by Bobby Burch
OP startup Blooom pitches green thumb for 401(k) management
by Bobby Burch
VC opportunities already begin to bloom for startup
by Bobby Burch

PaymentsViews 
FinovateFall 2014 Day 1
by George Peabody
FinovateFall 2014 Day 2
by George Peabody

Retirement Income Journal
A New Robo-Advisor Eyes the 401(k) Space
by Kerry Pechter 

TechCrunch
With Karrot, Kabbage Digs Into Lending Club’s And Prosper’s Consumer Loans Business
by Ingrid Lunden

The Huffington Post UK
The Path of Financial Innovation
by John Davis
Thinking Bigger
OP’s Blooom Wins ‘Best in Show’ at Finovate Conference
by James Hart
Time
5 Ways to Get Help With Your 401(k)
by Beth Pinsker
Jewish Business News
Biocatch Opens Art Of Fraud Exhibit Online
by Gil Tanenbaum
JPNicols.com
Recap of FinTech Week in New York
by JP Nicols

Kansas City Star Technology
Overland Park financial tech firm Blooom wins big in New York
by Steve Rosen
MoneyMarketing
Holly Mackay: Seven wonders of the fin tech world
by Holly Mackay
Ian McKenna in the US: Digital advice goes mainstream
by Ian Mckenna
Ian McKenna in the US (Pt. 2): What we can learn from the States
by Ian Mckenna
MoneySummit
How All 7 of This Year’s FinovateFall Best of Show Winners Hit the Mark with Innovation and Utility
by Jon Ogden
Next Avenue 
6 New Apps and Sites to Manage Your Money
by Richard Eisenberg
Silicon Prairie News
Kansas City’s blooom takes home Best of Show at Finovate in NYC
by Megan Bannister
St. Louis Business Journal 
PayPal moving toward Bitcoin: TechFlash 7 things
by Brian Feldt
University of Tennessee Daily Beacon
Opinion: Control your capital, conveniently
by Jonathan Martin
Upstart Business Journal
Canadian startup Financeit expands into U.S. market to help merchants give consumer loans
by J Jennings Moss
It’s high school all over again: Bitcoin punks won’t play with the cool kids
by Michael del Castillo
Startup Blooom pitches green thumb for 401(k) management at Finovate
by Bobby Burch
Wall Street & Technology
Behavior Biometrics a Popular Defense Against Cyberthreats
by Becca Lipman
The Emergence of Virtual Financial Planners
by Adam Honoré
Modernizing Voice Bond Trading
by Adam Honoré
William Mills Agency Blog
Live Blog at FinovateFall 2014: Day 1
by William Mills III and Steven Ramirez
Live Blog at FinovateFall 2014: Day 2
by William Mills III and Steven Ramirez
FinovateFall Video Interview: Jim Bruene, Owner of The Finovate Group
by Steven Ramirez
FinovateFall Video Interview: Jonathan Rowe, CMO of nCino
by Steven Ramirez
Video Recap: FinovateFall 2014 Day 1 Morning
by William Mills III and Steven Ramirez
Video Recap: FinovateFall 2014 Day 1 Afternoon
by William Mills III and Steven Ramirez
Video Recap: FinovateFall 2014 Day 2 Morning
by William Mills III and Steven Ramirez

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