Author: Julie Muhn (@julieschicktanz)

FinovateSpring: Behind the Scenes with Tactile Finance, Visible Equity, and Vorstack

FinovateSpring: Behind the Scenes with Tactile Finance, Visible Equity, and Vorstack
By Julie Muhn (@julieschicktanz) Posted on
Categories: Tactile Finance, Visible Equity, Vorstack

In our third FinovateSpring Behind the Scenes feature, we’re taking a look at three companies that demonstrated for the first time on the Finovate stage. We sat down with Tactile Finance, Visible Equity, and Vorstack to capture more information about their solutions.

If you missed our first and second Behind the Scenes features, you can check them out here:

TactileFinanceLogo
What they do
Tactile Finance’s Tacfi makes the mortgage process easy to understand and more transparent for borrowers. It helps the borrower navigate mortgage options and connect with lenders.
Stats
      • Launched in April 2014 at FinovateSpring
      • Tacfi’s target user is any home buyer, whose average age is 35 to 40 years old 
The experience
To sign up for Tacfi, users only need to provide their name, email address, and create a password.
TacfiSignup
They start by entering details of the home they’re interested in, such as the home price, property taxes, and other monthly expenses such as condo fees.
TacfiHomeBuilder
The calculator shows users what their mortgage payments will look like over time. 
TacfiBuilder2

From here, users can save the information about their loan, have the option to determine the amount of the home loan for which they are eligible, or can proceed to get a real quote from a lender, based on the information they entered into the mortgage calculator.


VisibleEquitySmall

Visible Equity

What they do
Visible Equity helps financial institutions determine their compliance with fair lending laws, which apply to all parts of the lending process including pre-application, underwriting, loan pricing, post closing activities, and modifications.

With the click of a button, its software can detect unfair and biased lending practices, which can often times lead to fines, degraded ratings, lawsuits, and negative impact on the brand. Visible Equity gives institutions a way to mathematically prove that their lending practices are in compliance.

Stats

    • Serves 300+ clients 
    • Analyzes over $120B in loans daily
The experience
Occasionally, financial institutions have lending policies in place that result in unintentional bias against certain groups such as age, race, gender, geographical location, etc.
The screenshot below shows a loan pricing discrimination analysis that has been generated to determine discrimination against race. The table shows loan count by race and breaks down the interest rate to show the difference between the actual rate and the expected interest rate. 
VisibleEquityPricingDiscrimination
Lenders can view all outstanding loans and are able to sort by loan attributes.
VisibleEquityLoans
Visible Equity’s responsive design web platform can be optimized for viewing on a tablet or mobile device, so lenders have a portable way to view and share metrics, data, and charts.
VisibleEquityipad
VorstackLogoNew

What they do
Vorstack is a cyber defense platform that helps online security professionals more efficiently target fraud. Its system helps them deal with the massive volume of emails they receive by automating reports based on the fraud in question.

Additionally, the open-source nature of Vorstack’s platform enables sharing of details under certain parameters with a trusted circle of other security professionals. Using this collective intelligence, Vorstack helps target fraud more quickly and efficiently.

Stats

  • Raised $5.2 million in Series A funding
  • 15 employees
  • Launched for financial services at FinovateSpring 2014
The experience
Security breaches, such as the recent ones reported by popular retailers, not only impact end consumers, they also take a toll on security professionals. Shortly after such breaches, security reps at banks can be inundated with emails asking if the institution should be concerned, and what areas are impacted.
The Vorstack platform functions as the graphic depicts below. Information is gathered, organized, analyzed, then is returned to the user, outlining potential areas of fraud concerns.
VorstackCOARGraphic
The screenshot below shows the dashboard where the security professional can view a break down of the number of fraudulent events they should be concerned with. It combines data from multiple organizations in order to give visibility of potential fraudulent activity before it happens.
VorstackDashboard
The Events section of the platform enables the security professional to take a closer look at both global and local events on an individual basis.
VorstackEvents

We’ll continue featuring more companies behind the scenes in the coming weeks so stay tuned.

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Finovate Alumni News– May 16, 2014

By Julie Muhn (@julieschicktanz) Posted on
Categories: BodeTree, Intuit, Jumio, MiiCard, PayPal, SocietyOne, Swipely, Temenos
  • Intuit buys Invitco to help bookkeepers put bill processing in the cloud.
  • SocietyOne, an Australian peer-to-peer lender, mulls entering NZ market, is talking with ‘multiple parties’.
  • miiCard graduates from SixThirty accelerator.
  • Swipely tops $2 billion in annual sales managed; launches Summer ’14 release.
  • Bermuda Commercial Bank picks the T24 core banking system, Model Bank, from Temenos.
  • FinSMEs talks about BodeTree with CEO and co-founder Chris Myers.
This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.

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Finovate Alumni News– May 15, 2014

By Julie Muhn (@julieschicktanz) Posted on
Categories: Arxan Technologies, BillGuard, Fiserv
  • Finovate-F-Logo.jpgArxan Technologies to offer all FS-ISAC & BITS members a complimentary, new iOS Mobile App Vulnerability Assessment.
  • Fiserv awarded patent for predictive modeling technology.
  • BillGuard launches on Android; unveils new data breach alert feature.
This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.

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Finovate Alumni News– May 14, 2014

By Julie Muhn (@julieschicktanz) Posted on
Categories: ACI Worldwide, BodeTree, Bolstr, FinovateSpring 2014, Finovera, FutureAdvisor, LikeFolio, Loop, Manilla, Pindrop Security, Rippleshot, Saved Plus, Simple, TextPower, TIO Networks, Wallaby Financial, Wealthfront, WePay
  • Finovate-F-Logo.jpgTIO Networks partners with New Jersey’s Public Service Electric and Gas Company to set up bill payment kiosks.
  • Pindrop Security and AGNITiO partner to protect call centers as they adapt to an increasingly mobile customer base.
  • Bolstr explains the basics of crowdfunding on NBC Chicago.
  • Loop Wallet app now available on Android.
  • Maps Credit Union chooses ACI Worldwide’s online banking platform.
  • Javelin Strategy takes a look at bill pay alternatives to Manilla, including Finovera.
  • BodeTree brings in $2 million in Series A round.
  • SavedPlus, LikeFolio, Wallaby, FutureAdvisor, Simple and Wealthfront earn spots on CNN Money’s list of the 15 best financial websites and apps.
This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.

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Finovate Alumni News– May 13, 2014

By Julie Muhn (@julieschicktanz) Posted on
Categories: Banno, FIS, InComm, Insuritas, Mambu, ProfitStars, ShopKeep POS, TIO Networks, TSYS, Yseop
  • Finovate-F-Logo.jpgYseop expands to New York http://bit.ly/QEtHWx
  • InComm partners with Softgate Systems to enable consumers to make cash bill payments in-store for 12k billers.
  • TIO Networks partners with PSE&G to enable customer payments at 2,000+ retail locations.
  • TSYS chooses ShopKeep to offer POS technology in the cloud.
  • FIS introduces Early Risk Manager, a turnkey, cloud-based risk and compliance solution for FIs.
  • Back to Banno: ProfitStars rebrands Andiamo mobile payments solution; now called Banno Mobile.
  • Mambu wins core banking contracts with financial organizations in Nigeria, Angola, and Kenya.
  • United Community CU partners with Insuritas to create a virtual “Insurance Aisle” inside the credit union.
This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.

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Finovate Alumni News– May 12, 2014

By Julie Muhn (@julieschicktanz) Posted on
Categories: Actiance, BancBox, Dealstruck, Entrepreneurial Finance Lab, FIS, Jumio, Loop, Manilla, ShopKeep POS, SmartyPig, Strands, Xero
  • Xero and ASB launch business to bank payments.
  • Bancbox and Kingdom Trust Company partner to streamline the crowdfunding and P2P lending platform for the IRA investor.
  • Actiance tops Forrester’s social risk and compliance product list.
  • Strands hires new CEO, Erik Brieva.
  • Dealstruck and Entrepreneurial Finance Lab named finalists in Core Innovators Challenge.
  • FIS announces launch of FIS Instant Card to accelerate FI’s ability to provide new or replacement cards.
  • Chris Skinner highlights the relationship between SmartyPig and ICICI Bank in a feature on Banking-as-a-Service.
  • ZDnet takes a look at ShopKeep POS, including its recent $25 million investment form Thayer Street Partners.
  • The Motley Fools calls Loop, the invention that “will change the way you pay for everything.”
  • The Rock Trading Ltd. partners with Jumio for real-time ID verification services.
This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.

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Finovate Alumni News– May 9, 2014

By Julie Muhn (@julieschicktanz) Posted on
Categories: Bolstr, CUneXus, Fiserv, ID.me, Klarna, Kony Solutions, MasterCard, MoneyDesktop, Q2ebanking, Rippleshot, Stockr, Venovate
  • Q2ebanking releases first quarter results with 2014 Q1 revenue of $16.8 million, up 31% YOY.
  • Stockr voted Top 100 Website by PC Magazine.
  • Dell Services improves enterprise mobility offerings with Kony partnership.
  • Silicon Slopes: MoneyDesktop snags AtTask executive for EVP of Sales.
  • MasterCard launches “auWallet” prepaid card program for APMEA region in partnership with KDDI.
  • Nymeo Federal Credit Union to deploy account processing technology from Fiserv.
  • Klarna, Provenir launch project to combine fraud risk decisioning with compliance, risk management automation.
  • Entrepreneurial digital startup hub, 1871, features Rippleshot.
This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.

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FinovateSpring: Behind the Scenes with CUneXus, ID.me, and Venovate

FinovateSpring: Behind the Scenes with CUneXus, ID.me, and Venovate
By Julie Muhn (@julieschicktanz) Posted on
Categories: CUneXus, FinovateSpring 2014, ID.me, Venovate

We’ve had a blast following up on the news buzz created by the 68 companies we saw demo at FinovateSpring 2014 last week in San Jose. Now we get to report on a few more details of companies that demoing at Finovate for the first time. 

Today, we’re taking a closer look at:

We’ll have further coverage in the coming weeks, so stay tuned!

What they do
CUneXus’ Perpetual Loan Approval product gives financial institutions a way to show borrowers a constant view their borrowing power across multiple loan products. It pre-approves the customer instead of simply providing a prediction of what the loan payment and terms may be, if the loan is accepted.
This constant pre-approval can create stickiness by keeping the lending institution in the top of the consumer’s mind when they are ready to make a decision about a loan or credit card. And, since the approval automatically changes with the consumers’ financial standing, it is a more efficient way to customize loan promotions.

Stats

    • FI client size ranges from $400 million to $2 billion
    • Launched in December 2013
The experience
The web and mobile screenshots below show the variety of offers the end consumer sees. The platform shows everything from credit cards to auto loans, to personal loans. Since the platform is dynamic, it will change the offers depending on the consumers’ financial situation. 
For example, if the consumer accepts the offer on the car loan, the platform will automatically rescind the offer on the RV or motorcycle loan.
CUneXuswebandMobilePhoto2

CUneXus also uses geolocation to target the end user when it matters– at the point of their decision. For example, after a user has been standing at a car lot for longer than 5 minutes, FIs using CUneXus can send them a push notification reminding them of the loan offer for which they are pre-qualified.

CUnexusmobilephoto2
Since the system pre-approves users, activating the offer is easy:
CuNexus3Mobiles
After selecting the type of loan and amount, users need only to enter their phone number and when they would like to talk to an agent. To speed the process, they have the option to take a picture of a recent pay stub as proof of income.
Beyond creating more borrower transparency, CUneXus makes loan distribution more efficient for the lending institution. The automation of the loan offer, combined with carefully timed push notifications, can drive more revenue from online and mobile banking.

What they do
ID.me works a bit like PayPal for affiliate groups such as students or veterans. Its network proves that the user is affiliated with the group so that merchants can target these specific groups with discounts and rewards, without the hassle of making them prove their identity.
At FinovateSpring, ID.me showed how its identity verification can be used at the physical point of sale, as well as online.
Stats
    • Financing: $16M
    • Federal Grants: $2.8M
    • Employees: 29
    • Revenues (Run Rate): $4M
    • Registered Users: 475,000
The experience
The user selects their affiliate group and adds the required information to verify their affiliation. In the screenshot of the web interface below, Blake has already verified his affiliation as an army veteran. ID.me also gives him the option to verify himself as a student or first responder to receive additional merchant benefits. 
Once he is verified, he is prompted to link a credit card with his account.
 
IDme02DeskTopLink
After the user is verified as a member of the affiliate group and has linked their card, they can receive rewards at the physical point of sale, as well as online.
The screenshot below shows the iPad interface of a brick and mortar merchant’s POS system. After swiping the credit card that he previously linked to ID.me, the user (Blake) automatically received the merchant’s discount for veterans.
Since this merchant has card-linked rewards enabled, the transaction was seamless. Blake did not need to know that the merchant offered special discounts for veterans and the merchant did not need to ask Blake for proof that he is a veteran.
IDme03TabletThankYou
Below is a snapshot of some of the more than 70 merchants that ID.me is partnering with. CEO Blake Hall advised me to keep an eye out this summer, when ID.me will release news of a slough of new big-name merchants.
IDme01DeskTopHome
What they do
The Venovate (venture + innovate) platform seeks to make the investing process more transparent, accessible, and efficient. It has a two-pronged approach:
1) For investors 
It curates alternative investment opportunities and serves as a broker so accredited investors can directly invest in them. Venovate carefully vets the list to ensure the opportunities are compliant and have a good likelihood of positive returns.
2) For fundraisers
The platform enables alternative investment funds and private companies to raise funds from $200,000 and up on its platform. Venovate verifies the accreditation of investors before allowing them to invest (non-accredited investors can still join, but are in view-only mode; they are not allowed to invest).
The online platform makes it easy for both parties with search capabilities and e-signature functionality.
Stats
    • Can reduce the fundraising process from 10 months to 10 weeks
    • Launched in April 2014 at FinovateSpring
The experience
When creating their profile, the investor selects the type of investments they are interested in, as well as the dollar range and the number of investments they are willing to make per year. Additionally, the platform shows the investor’s accreditation status and investment history in the upper right hand corner.
This is useful for fundraisers, who are given full visibility to these details before deciding who they will allow to invest in their project.
2 - Venovate - Investor Profile
Venovate’s company directory serves as a resource for investors to search companies seeking investment. It provides high-level information on companies, with an option to drill down into more specific detail.3 - Venovate - Company Directory
Each fundraising company has its own profile that provides more details for interested investors. The deal profile below shows relevant information about the deal. It covers basics such as description and minimum investment amount. It also shows the valuation cap, the number of current investors and the number of users currently watching the investment.

4 - Venovate - Deal Profile

Venovate announced its public beta at FinovateSpring, along with an investment from Studio 9+, an accelerator program based in Silicon Valley.

Stay tuned for more behind the scenes features next week.

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Finovate Alumni News– May 8, 2014

By Julie Muhn (@julieschicktanz) Posted on
Categories: Andera, Boku, Cachet Financial Solutions, Coinbase, MasterCard, Motif Investing, ProfitStars, RevolutionCredit
  • Finovate-F-Logo.jpgBoku partners with Deutsche Telekom to power the MNO’s payments offerings, provide it with a mobile app, and give customers the ability to pay for digital goods and services simply using their existing mobile phone account.
  • ProfitStars named among the 2014 Best Places to Work in Kentucky.
  • American Banker: Andera Acquisition to Bolster Bottomline’s Digital Banking Business.
  • Cachet Financial Solutions files initial registration statement with the SEC looking to raise $20 million through a public stock offering.
  • MasterCard Accelerator for European startups announces May 16 deadline.
  • Motif Investing raises $35 million in move toward wealth management market.
  • RevolutionCredit announces $10 million investment from Accion Venture Labs.
  • Coinbase’s acquisition of Kippt to bring usability to bitcoin.
This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.

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Finovate Alumni News– May 7, 2014

By Julie Muhn (@julieschicktanz) Posted on
Categories: Actiance, App Annie, BancBox, BBVA Compass, Credit Sesame, Dashlane, Jack Henry, Kabbage, On Deck Capital, Personal Capital, Prosper, Striata, TradeHero
  • Finovate-F-Logo.jpgiFactor and Striata partner to offer robust push ebill solution to utilities.
  • Kingdom Trust and Bancbox partner to streamline the crowdfunding and P2P lending platform experience for the IRA investor.
  • Alternative lending pays up: Kabbage raises $50 million, Prosper pulls in $70 million.
  • Actiance extends Socialite to include Google+ & YouTube.
  • VentureBeat looks at the rise of P2P lending of many Finovate alums and predicts $1 trillion in loans by 2025.
  • App Annie now lets app developers track ads, app store optimization.
  • TradeHero launches a Chinese version, bringing the stock market game to traders in China.
  • Lend Academy speculates Prosper now valued $600 million, up from a $100 million valuation around eight months ago.
  • Personal Capital reaches 500,000+ registered users. Now is tracking over $70+ billion in & is managing $500 million in assets for clients.
  • Credit Sesame offers Target customers free ID protection, credit monitoring and credit scores without deadlines.
  • Jack Henry Banking’s Core Director processing platform deployed by Oklahoma State Bank and The Bank of Clovis in New Mexico.
  • BBVA Compass teams up with On Deck Capital to better score small business borrowers.
  • WSJ Personal Technology column recommends Dashlane as the “best way to manage online passwords.
This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.

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Finovate Alumni News– May 6, 2014

By Julie Muhn (@julieschicktanz) Posted on
Categories: BancBox, Banno, Fiserv, Holvi, Insuritas, Jack Henry, Leaf, Lending Club, LendUp, MiiCard, Ripple
  • Finovate-F-Logo.jpgCU Alliance hires Insuritas to build non-cyclical fee income for credit union members.
  • Wade Arnold wins CEO of the Year award from Technology Association of Iowa, weeks after selling Banno to Jack Henry & Associates.
  • Holvi moves HQ to downtown Helsinki.
  • Fidor AG is first bank to deploy Ripple protocol.
  • Lending Club announces partnership with Union Bank.
  • Fiserv’s TradeFlow enhanced to support SWIFT’s GETC.
  • Sonora Bank implements SilverLake core processing platform from Jack Henry Banking.
  • LendUp raises $50 million credit debt facility from Victory Park 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.

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FinovateSpring 2014 in the Press

By Julie Muhn (@julieschicktanz) Posted on
Categories: FinovateSpring 2014

Press.jpg

Last Wednesday we wrapped up FinovateSpring 2014. Since then, press reps have been hard at work covering the news and product launches that buzzed throughout the two day conference. 
Below is a compilation of the news so far. We’ll add further coverage as it’s released throughout the week:

American Banker
Data Breaches Spur Security Focus at Financial Startups
by Kevin Wack
Mobile Payment Startups Stress Practicality Over Wow Factor
by Kevin Wack
Nice Systems Debuts Real-Time Voice Authentication for Bank Call Centers 
by Amilda Dymi

Bank Credit News
Financial technology providers named “Best of Show” at FinovateSpring
by Alexandra Villarreal 
Bank Innovation
Best of Show: financial technology winners from Finovate Spring 2014
by Steven Ramirez
Innovations in banking and tech: Finovate Spring 2014, Day 2
by Steven Ramirez

Bank Technology News

Five Companies to Watch from Finovate
by Kevin Wack

Barbara Friedberg Personal Finance
Finovate-Finance and Technology Intersect & Should You Care?
by Barbara Friedberg

Celent
Finovate Spring 2014 Recap
by Jacob Jegher

Community Rising (BancVue Blog)
Finovate:  Winning Beyond The Stage
by John Waupsh
CU Times
5 Things You Missed at Finovate
by Robert McGarvey
Better Mobile Banking for the Underbanked: Onsite Coverage
by Robert McGarvey
Dueling Biometrics: Onsite Coverage
by Robert McGarvey
Focus on the Auto Loan: Onsite Coverage
by Robert McGarvey
More Protection Against Elder Fraud: Onsite Coverage
by Robert McGarvey
Dataconomy
29-30 April 2014: FinovateSpring 2014. San Jose, USA
by David Koch
Dealstruck Announces Two New Products
by Furhaad Shah
SmartAsset.com: A New Way To Interact With Your Finances
by Furhaad Shah
Dollars & Sense (Dealstruck blog)
Finovate Spring 2014 Recap
by Ethan
Finsider
Finsider’s Finovate Roundup
by Dan Simon
Forbes
Tech Entrepreneurs Are Here To Run Your Bank
by Dan Simon
Inc.
How Big Data Can Help Squash $35 Billion in Online Fraud
Christina Desmarais 
Javelin Strategy & Research blog
Three Trends You Should Know – From Finovate Spring 2014
by Mary Monahan

Keeping Nickels
Finovate Best In Show
by Nichelle Stephens
MoneyMarketing
Ian McKenna in San Jose: Online services can complement traditional advice
by Ian McKenna
Ian McKenna in San Jose (Pt 2): The rise of personal financial management
by Ian McKenna
MoneySummit
Battling Post-Lunch Lethargy
by Eric Dunstan
Do You See Disruption Or Opportunity?
by Bradley Leimer 
Finovate and the Context Of Fintech
by Bradley Leimer 
Financial Innovation is in the Air! It’s Time for FinovateSpring in San Jose
by Eric Dunstan
How a Remote Control for Credit Cards Creates Value for Consumers and Banks
by Eric Dunstan
PFM, Mobile Wallet, and Mobile Payments
by Eric Dunstan
San Jose’s Still Rocking
by Eric Dunstan
Starting off Strong on Day 2
by Bradley Leimer 
Tales from the Finovate Pit: Session 2, Day 2
by Bradley Leimer 
The Home Stretch
by Eric Dunstan 
Thoughts on PrivatBank’s Presentation
by Eric Dunstan 
What a Day!
by Eric Dunstan 
My Vin
Finnovate-2014 відкриється світовою прем’єрою topless-банкомата ПриватБанку
MyBankTracker
Remote Control for Your Credit Card Prevents Fraud, Overspending, and More
by Kathererine Muniz
NYmag.com
Is Silicon Valley the Future of Finance?
by Kevin Roose
RIABiz
How the RIA business made a dent at the 2014 Finovate conference in San Jose
by Zohar Swaine  
Investment News techconnect
A new planning tool for advisers challenges clients to win a game
by Joyce Hanson
VentureBeat
LendUp opens up its API to spread safer payday lending across the country (exclusive)
by Kia Kokalitcheva
Walt-Cox
Finovate Day 1, Session 1 (recap & rankings)
Finovate Day 1, Session 2 (recap & rankings)
Finovate Day 1 Session 3 (recap & rankings)
Finovate Day 1 Session 4 (recap & rankings)
Finovate Day 2 Session 1 (recap & rankings)
Finovate Day 2 Session 2 (recap & rankings)
Finovate Day 2 Session 3 (recap & rankings)
Finovate Day 2, Last Session (recap & rankings)
Finovate: Social from the Start
William Mills blog
Finovate Spring 2014 Live Blog- Day 1
by Steven Ramirez
by William Mills III
Finovate Spring 2014 Live Blog- Day 2
by Steven Ramirez
by William Mills III
Video & Podcast Coverage of Finovate Spring 2014
Link

Thanks to the dedication of the bloggers, journalists, and media reps for attending and covering the full variety of fintech over the course of the two days. 

The full demo videos will be available on Finovate.com within the next two weeks.We’ll see you all next year!

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