Finovate Blog

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.

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3 Degrees

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.

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Donevia

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.

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FinQub

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.

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Finzly

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.

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Glide

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.

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Go Abacus

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.

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Kato

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.

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MHC Automation

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.

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Mobena

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.

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Naehas

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.

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Neural Payments

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.

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On Time Harvest

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.

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SLC Digital

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.

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Tacnode

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.

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Transvision

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.

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Valcori Automated Solutions

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.

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Vertyx

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.

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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.

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Photo by drmakete lab on Unsplash

For years, financial institutions have talked about delivering more personalized experiences. But personalization is evolving beyond simply putting a customer’s name in a message or recommending a product based on broad demographic segments. In the last few years, banks and fintechs have been using behavioral and transactional data, AI, incentives, and contextual insights to understand what customers need and deliver relevant experiences at the moments when they are most likely to act.

At FinovateFall 2026, taking place September 9 through 11 in New York, a diverse group of companies will demonstrate new approaches to customer engagement and financial wellness. Their technologies range from hyper-personalized digital banking and transaction intelligence to financial education, community commerce, loan repayment incentives, and investing tools for the next generation. Below, we’ve highlighted nine companies that will take the stage at FinovateFall to illustrate how financial institutions can turn customer data and everyday financial interactions into opportunities to build stronger, more valuable relationships.

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BankUniverse

BankUniverse helps financial institutions identify consumers who demonstrate an intent to purchase a financial product and then improve the digital journey that converts those prospects into customers. Its privacy-first platform analyzes digital interactions using GenAI and helps banks optimize product journeys and target relevant audiences without sharing sensitive personal information with third parties. The company says its technology can increase digital sales by more than 20%.

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Tapix by Dateio

Tapix turns raw payment data into usable transaction intelligence, enriching transactions with information such as merchant names, logos, locations, and categories. That cleaner data foundation can power everything from clearer transaction histories and subscription identification to personal financial management, customer analytics, and hyper-personalized communications. Tapix can also help reduce disputes and chargebacks by giving customers a clearer understanding of where and how they spent their money.

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Doshi

Doshi provides an AI-native engagement layer that combines financial education with gamification to help banks better understand when customers may be ready for additional financial products. As users learn and interact with educational experiences, Doshi turns behavioral signals into product-readiness insights that financial institutions can use to deliver more timely and relevant engagement. The approach gives banks a way to connect financial wellness initiatives with measurable customer growth.

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Finalytics.ai

Finalytics.ai helps financial institutions create “segment-of-one” digital experiences using behavioral, transactional, and third-party data. Its AI models continuously analyze available information to determine which content, messages, and offers are most relevant to an individual visitor at a particular moment. The result is a digital banking experience designed around individual intent rather than broad customer segments.

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GenAspire

GenAspire helps community financial institutions build relationships with the next generation of customers through a white-labeled teen banking app and financial literacy program. Students learn about saving, budgeting, and spending through lessons, quizzes, rewards, and real-world financial experiences, while parents retain visibility and controls. For credit unions and community banks, GenAspire also serves as an acquisition channel, distributing their branded banking experience through school partnerships and helping institutions establish relationships with young customers before they select their first primary financial institution.

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Goodbuy

Goodbuy helps credit unions turn community commerce into a customer engagement and growth channel. Its credit union-branded marketplace connects individual members with local small businesses, giving businesses exposure to new customers while providing members with incentives to shop locally using their financial institution’s cards. The model is designed to drive small business account acquisition and deposits while also generating greater card usage and interchange revenue.

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Nextvestment

Nextvestment brings AI-powered self-service to wealth management, allowing clients to explore investment ideas and financial questions on their own while helping advisors identify moments when human intervention may add the most value. The platform is designed to improve engagement without replacing the existing advisory relationship, giving clients greater freedom to explore while helping advisors focus their attention where it is most needed.

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Perqia

Perqia helps lenders improve loan repayment behavior by turning payments into a more engaging customer experience. The platform uses cash-flow-timed incentives and rewards to encourage borrowers to prioritize their loan payments and pay before accounts become delinquent. Borrowers receive a self-service experience with visibility into upcoming payments and incentives, while lenders gain insights that can help improve engagement, reduce delinquencies, and lower collection costs.

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Young Early Starters

Young Early Starters (YES) combines financial education with real-world investing to teach children how markets and long-term investing work. Designed for children ages eight to 18, the platform allows young users to learn about companies and investing before putting real money into stocks and ETFs. Parents set budgets and limits and approve individual trades, pairing hands-on investing experience with more than 300 educational lessons. For banks and other financial institutions, the model offers another avenue for establishing financial relationships earlier in a customer’s life.

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Why banks should care

Personalization has historically been treated largely as a marketing challenge. Banks would determine which customers fit a segment, identify the product most likely to appeal to that segment, and deliver a targeted message. But the companies above demonstrate a broader opportunity built on better transaction data, behavioral signals, rewards, financial education, and AI. These tools can indicate when a customer is ready for a new financial product, encourage positive repayment behavior, create engagement long before a customer needs a financial product, and help banks determine what an individual customer needs in real time.

In 2026, customer engagement is more than clicks, logins, and open rates. Banks and credit unions need to give customers reasons to deepen their relationships and keep coming back. The companies coming to the FinovateFall 2026 demo stage show how financial institutions can use technology to make those interactions more relevant, timely, and useful.

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Photo by Gustavo Fring