Author: Julie Muhn (@julieschicktanz)

Holvi’s Online Banking Service Connects Retail Customers with Banking Product Providers

By Julie Muhn (@julieschicktanz) Posted on
Categories: FinovateEurope 2013, Holvi
This post is a part of our live coverage of FinovateEurope 2013.

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Next, Holvi demonstrated how users can take advantage of its partner ecosystem:

“Holvi connects retail customers and providers of banking and payments products in a seamless ecosystem. Holvi partners have created current accounts, among other uses, for election candidates to run their campaigns (Kokoomus, largest political party in Finland), entrepreneurship education (local chapter of Junior Achievement), and crowdfunding for cultural projects (Mesenaatti.me). 

Holvi online banking service is easy to tailor for specific verticals, by partners or the customers themselves. For providers of banking and payments products Holvi offers access to the long tail of retail customers.”
Product Launch: September 2012
HQ: Helsinki, Finland
Founded: 2011
Website: holvi.com
Twitter: @Holvi

Presenting Kristoffer Lawson (Co-Founder)
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Luminous’ BankFiling Helps FIs Increase Business Lending

By Julie Muhn (@julieschicktanz) Posted on
Categories: FinovateEurope 2013, Luminous
This post is a part of our live coverage of FinovateEurope 2013.

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Afterwards, Luminous launched its loan origination solution:

“BankFiling loan origination solution enables financial institutions to increase lending to business banking customers, while reducing risk.”

Product Launch: February 2013
HQ: Johannesburg, South Africa
Founded: 2009
Metrics: Luminous was the first to release a ground breaking solution to deliver in-depth, financial management reports for both the banks and their customers.
Twitter: @luminousbanking
Presenting Andrew Teversham (CTO) and Andrew Buchanan (Global Head of Sales)
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Meniga’s New PFM Module Helps Users Decide if They Can Afford Certain Purchases

By Julie Muhn (@julieschicktanz) Posted on
Categories: FinovateEurope 2013, Meniga
This post is a part of our live coverage of FinovateEurope 2013.

Thumbnail image for MenigaLogo.jpgWrapping up the first session this morning, Meniga demonstrated its platform that helps users make smart purchasing decisions:

“To buy or Not to buy is a white-label module for mobile banking applications, that uses PFM functionality to empower and influence consumers at the point of sale or when considering buying something. 
It allows users to check if they can afford what they are about to purchase or see how much closer to their savings goals they would get if they save the money and use it to feed their goal instead.
One unique aspect of this innovation is allowing users to leverage their social networks and direct messages to crowd-source the decision and instantly collect feedback before making the purchase. This fun and simple feature uses gamification to engage users and their network of friends.”
Product Launch: December 2009
HQ: Stockholm, Sweden
Founded: 2009
Metrics: $1.3M raised, 35 employees, cash-flow positive. European market leaders in white-label PFM solutions for retail banks with 10 implementations and with retail banks in Sweden, Norway, Finland, Germany, Poland, S. Africa, Russia and Iceland.
Website: meniga.com
Twitter: @meniga
Presenting Georg Ludviksson (CEO & Co-Founder) and Einar Gustafsson (VP Product Management)
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IND Group Uses Real Life Situations to Reshape How Users Interact with Their PFM Platform

By Julie Muhn (@julieschicktanz) Posted on
Categories: FinovateEurope 2013, IND Group
This post is a part of our live coverage of FinovateEurope 2013.

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Next, IND Group demonstrated how it is reshaping PFM:

“By placing the customers at the center, we have reshaped the traditional idea of PFM to meet the end-users’ everyday needs. 

Instead of functions and features we have developed stories that are real life situations, emerging in different stages of our lives and having financial impact, such as “Expecting a baby”, “Prepare for a rainy day”, “Buy a home”, “How to spend less” or “Retirement planning.” This entirely new approach in digital financial customer service takes online banking and financial management to the next level, offering mass retail financial planning and advice.”


Product Launch: 2013
HQ: Munich, Germany
Founded: 1997
Metrics: €12M in revenue in 2011. Staff of around 240 people, 7 offices, several partners and subcontractors around the world. 35 retail banks and financial institutions as clients.
Website: indgroup.eu
Twitter: @indgroup
Presenting József Nyíri (Founder & Chief Innovator) and Tamás Braun (General Manager, IND Group UK)
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Dynamics Launches ePlate, a Better Rewards Card, in UK

By Julie Muhn (@julieschicktanz) Posted on
Categories: Dynamics, FinovateEurope 2013
This post is a part of our live coverage of FinovateEurope 2013.

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Dynamics came up to the stage next, launching their ePlate device to enable consumers to build a better rewards card, in the UK:

Dynamics’ intelligent powered payment cards include a fully card-programmable magnetic stripe that can be re-written with each transaction to reduce fraud. Using Dynamics’ backend system, users can select from a list of rewards, to tailor their own experience.

Product Launch: February 2013
HQ: Pittsburgh, PA, USA
Founded: September 2007
Twitter: @DynamicsTweet
Presenting Jeff Mullen (CEO) 
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The Currency Cloud Takes the Headache Out of Paying International Suppliers

By Julie Muhn (@julieschicktanz) Posted on
Categories: FinovateEurope 2013, The Currency Cloud
This post is a part of our live coverage of FinovateEurope 2013.

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Then, The Currency Cloud demonstrated how its XBP Connect API makes international payments easier:

“We will be showcasing the power of integrated international payments for businesses. Accounting solutions are ubiquitous in business, yet the break in the workflow when having to make international payments to suppliers is inefficient, time consuming and prone to operational risk. 

Using The Currency Cloud’s XBP Connect API, the first truly effective applications that enable international payments to be managed directly from Sage and Salesforce.com are being launched at FinovateEurope 2013. The applications enable a business to initiate and manage their international payments just as they would their payments to domestic suppliers – directly from their ledger. Paying international suppliers becomes significantly easier and lower in cost and the business accounting function drastically more productive.”
Product Launch: August 2012
HQ: London, UK
Founded: March 2011
Metrics: $7.12M Series A in 2012 from 3 VCs: Notion Capital, Atlas Venture and Anthemis Group. Revenues for 2012 = $1.3M. 26 people. 100 customers/partners that enable over 250,000 corporates and consumers to benefit from our capabilities. Satellite office in Malta in Joint Venture with The Demajo Group.
Twitter: @currency_cloud
Presenting Michael Laven (CEO) and Nasir Zubairi (Director, Product Marketing)
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Dashlane Releases New Features to Make Online Transactions Even Easier with Integrated Rewards and Loyalty Solution

By Julie Muhn (@julieschicktanz) Posted on
Categories: Dashlane, FinovateEurope 2013
This post is a part of our live coverage of FinovateEurope 2013.

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Afterwards, Dashlane showed how its new features can make online payments frictionless:

“Dashlane will demo its core technology: a cross-platform (desktop and mobile) consumer application that enables keyboard-less transactions on any site – no integration required. 

In addition to being the ‘point of payment choice’ for our users, Dashlane offers financial services and ecommerce partners a privileged seat by the user during all their online transactions. We’re developing many new features to make online transactions incredibly easy and frictionless for our users.”

Product Launch: April 2012
HQ: New York, NY, USA
Founded: December 2009
Metrics: Dashlane is an NYC and Paris-based startup with 30 employees, founded in 2009. Our app launched publicly in April 2012, and is available on Mac, PC, iOS, and Android. Our users (currently in the six figures) have used Dashlane on over 250,000 websites and spent over $30M online and on mobile devices using Dashlane. We raised a $5M Series A in 2011 from Rho Ventures, FirstMark Capital & Bernard Liautaud (Founder, Business Objects & Co-Founder, Dashlane).
Website: dashlane.com
Twitter: @dashlane
Presenting Emmanuel Schalit (CEO) and Nishant Mani (VP Partnerships & Marketing)
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Fiserv’s Mobiliti Master Wallet Lets Users Choose Their Own Mobile Payment Experience

By Julie Muhn (@julieschicktanz) Posted on
Categories: FinovateEurope 2013, Fiserv

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

Third to the stage, Fiserv showed how its Mobiliti Master Wallet gives users control of their mobile experience:

“Mobiliti from Fiserv is the world’s most deployed mobile banking and payments platform. The Mobiliti Master Wallet enables consumers to choose which mobile payment wallets they wish to participate in and how. It retains the financial institution and its mobile banking app at the centre of the user experience for cloud-based and NFC mobile payments.”

Product Launch: 2013
HQ: Brookfield, WI, USA
Founded: 1984
Metrics: $4.34B revenue, 20,000 employees, 16,000 financial institutions as customers
Website: fiserv.com
Presenting Jonathan Atkinson (Sales Consultant, Digital Channels) and Fiona Murray (Sales Executive, Digital Channels)
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TESOBE’s Open Bank Project API Encourages Innovation and Transparency

By Julie Muhn (@julieschicktanz) Posted on
Categories: FinovateEurope 2013, TESOBE

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

Second up, TESOBE took the stage with its Open Bank Project (OBP) API:
“The world’s first Singing Bank! (singingbank.com) demonstrates three principles of the OBP API:
1) It encourages innovation (niche markets, interfaces, languages. etc.)
2) It supports public views on transaction data whilst preserving sensitive information
3) It results in lower barriers to entry, better security and lower cost
The OBP Transparency/Social Finance application is for organisations that want to practice wider transparency and/or generate a real time dialogue around their finances.
The OBP App Store allows vendors to showcase and consumers to find and rank apps.
The OBP Virtual Machine allows CTO’s to easily evaluate our technology.”
Product Launch: May 2012
HQ: Berlin, Germany
Founded: 2005
Twitter: @tesobe
Presenting Simon Redfern (CEO & Founder) and Ismail Chaib (Project Manager)
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Cardlytics Organizes Your Rewards in a Facebook App

By Julie Muhn (@julieschicktanz) Posted on
Categories: Cardlytics, FinovateEurope 2013
This post is a part of our live coverage of FinovateEurope 2013.

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Then, Cardlytics took the stage with its Facebook app that summarizes rewards for users:

“Cardlytics’ latest innovation is a Facebook app, initially launched from an online banking session, containing a rewards summary page showing all available offers. The innovation is a working prototype with a release available to banks in Q2 2013.”

Product Launch: Q2 2013
HQ: Atlanta, GA, USA & London, UK
Founded: 2008
Metrics: The company has raised just under $60M in venture capital and has over 250 U.S. employees and over 15 U.K. employees. Cardlytics’ targeted advertising platform can reach 220M U.S. consumers and 10M U.K. consumers. Over 20% of consumers are reached through an integrated mobile solution.
Twitter: @cardlytics
Presenting Jason Brooks (Managing Director) and Charles Humphrey (Commercial Director)
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BörseGo’s Guidants Platform Gives Users Access to Financial Information via Widgets

By Julie Muhn (@julieschicktanz) Posted on
Categories: BörseGo, FinovateEurope 2013
This post is a part of our live coverage of FinovateEurope 2013.

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Afterwards, BörseGo showcased its Guidants platform:
“Guidants is a unique html5-based platform to access any imaginable kind of financial information and calculations. Guidants comprises more than thirty small widgets the user can freely add, arrange and save on his workspace. Each such widget has one task like displaying a chart, the fundamentals of a stock, showing a video stream or giving direct access to a broker. 
The user can modify each widget according to his needs (size, content, appearance) and connect single widgets with others so that they interact with each other. All widgets make use of real-time push technologies and thus live up to the heightened requirements of our information society.
Guidants is free of charge and users can subscribe to premium content and additional widgets.”
Product Launch: October 2011
HQ: MĂĽnchen, Germany
Founded: 2000
Metrics: 70 employees, 10M revenue, working
Website: boerse-go.ag
Presenting Johannes Pfeuffer (Executive Assistant) and Christian Ehmig (CTO)
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rplan Launches Portfolio Builder to Help Users Select Investments Based on Personal Goals and Risk Preferences

By Julie Muhn (@julieschicktanz) Posted on
Categories: FinovateEurope 2013, rplan
This post is a part of our live coverage of FinovateEurope 2013.

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Second, rplan launched its Portfolio Builder platform that guides users through the investment process:
“Portfolio analysis aims to help investors answer three fundamental questions:
• What have I got?
• How well am I doing?
• What can I do to improve?
It shows users how much they have invested and where, but also tells them how they are doing based on risk, cost, performance, and goals. Finally, it offers in-depth analysis based on asset allocation and fund analysis, alerting users to how they can improve their portfolios.
Portfolio builder helps users create an investment portfolio based on key criteria such as goals and risk. It allows users to narrow down from 2,400 available investments to those that are applicable to them, giving them feedback on their investment decisions as they go in areas such as asset allocation and fund selection.
The key to both these features is simplicity, giving mainstream investors the knowledge, tools and confidence to manage their own investments.”
Product Launch: February 2013
HQ: London, UK
Founded: January 2011
Website: rplan.co.uk
Twitter: @rplanme
Presenting Andy Creak (CEO) and Nick Curry (CPO)
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