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Banking Technology Awards Recognize Finovate Alums

By David Penn Posted on November 18, 2015
Categories: Fidor Bank, FIS, Fiserv, Misys, Temenos

Fidor Bank won in the “Best Use of IT in Retail Banking” category at the 16th Annual Banking Technology 2015 awards this week. Earning recognition in the Readers’ Choice component of the awards were Temenos, FIS, and Misys.

The awards ceremony was held last week in London. The winning companies were chosen from more than 120 entries by eight judges from the fintech industry. Readers’ choice awards were granted based on online voting results from readers of both Banking Technology magazine and bankingtech.com.

Fidor Bank won with its Smart Current Account that offers customers easy onboarding, no credit check, no maximum balance, and a competitive interest rate. Deposits are insured up to the GBP equivalent of €100,000, and the company is running a promotion whereby every “Like” Fidor U.K. gets on its Facebook page increases the amount of interest paid to Smart Current Accountholders.

Talking about the launch of the Smart Current Account back in September, Fidor CEO Matthias Kroner told The Memo’s Alex Wood:

Customers will be able to do a lot more than just transfer money. Customers can move their money abroad, or move it into other services, such as savings bonds and eventually into platforms including P2P lending, precious metals, crowdfunding projects, and so on.

In the Readers’ Choice competition, Temenos won an award for Best Core Banking Product/Service; FIS won Best Payments Product/Service with its Clear2Pay; and Misys won Best Risk Management Product/Service for its FusionRisk Credit solution. All three companies were also winners of the Banking Technology Readers’ Choice Awards last year, along with fellow alum Fiserv, which in 2014 won an award for Best Financial Crime Product or Service.

Fidor Bank participated in FinDEVr 2015 in San Francisco this fall, discussing its approach to No Stack Banking. The company’s last Finovate appearance was at FinovateEurope 2011 in London.

Temenos also presented at FinDEVr 2015, unveiling its B2B Financial Apps Marketplace, and earlier in the year demonstrated its Temenos Connect Mobile Banking solution at FinovateEurope 2015.

FIS demonstrated its Cardless Cash solution at FinovateSpring 2015. Misys presented its FusionBanking Essence Digital platform at FinovateEurope 2015, and Fiserv introduced fintech audiences to its Mobility Enterprise technology at FinovateFall 2015.

Interested in fintech in the U.K. and Europe? FinovateEurope returns to London, England on 9/10 February 2016 for our next fintech conference. Find out more at our FinovateEurope 2016 page .

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Finovate Alumni News

By Julie Muhn (@julieschicktanz) Posted on November 18, 2015
Categories: Avoka, Bitbond, Cachet Financial Solutions, Cloud Lending, Hyperwallet, Kabbage, Nexmo, Nymi, Ripple, Tuition.io, Xignite

On Finovate.com

“Tuition.io Raises $5 Million in Series A”

“Banking Technology Awards Recognize Finovate Alums”

Around the web

Bitbond launches bitcoin purchasing power index.

Hyperwallet Launches Loyalty Program for Independent Workers.

Pymnts chats with Nymi founder and CEO Karl Martin.

Avoka introduces digital account opening from within Salesforce.

Kabbage to power Sage’s small-business loan offering.

Market intelligence provider Ipreo selects Xignite to provide real-time, and delayed, equity prices to its investor-relations platform, BD Corporate.

Deccan Herald features Cloud Lending Solutions.

Nexmo announces partnership with Netherlands KLM.

The Paypers interviews Nilesh Dusane, Ripple VP of global sales and client relations.

PYMNTS.com talks about the future of the prepaid market with Larry Blaney, EVP of sales for Cachet Financial Solutions.

This post will be updated throughout the day as news and developments emerge. You can also follow alumni news headlines on the Finovate Twitter account.

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Finovate Alums Earn Spots Among UBS Future of Finance Finalists

By David Penn Posted on November 17, 2015
Categories: CashSentinel, Coinalytics, MaxMyInterest, SayPay, Stratos, WealthForge

SayPay Technologies, Stratos, and Wealthforge will compete for top honors at the UBS Future of Finance Challenge on 10/December in Zurich. The three will join nine other finalists vying for $50,000, 300+ hours of mentoring, and the opportunity to develop their technology in a UBS innovation center.

(Click image to watch video)

The Future of Finance Challenge had more than 600 applicants. Regional Finals were held this month in Zurich, London, Singapore, and New York. To be eligible, entrants must not have received a Series A or total funding of more than $10 million. Solutions presented could be an idea, concept, or a functional demo and needed to either “focus directly on, or have a potential connection or application with, banking and financial services.”

All three Finovate alums reaching the finals made their Finovate debuts at FinovateSpring 2015 in San Jose. SayPay Technologies, a finalist from the Singapore round, will go into the finals with its Customer Authentication Experience. SayPay CEO Steve Hoffman said, “The distinguished panel of UBS judges was quick to recognize how SayPay transforms fragmented current authentication solutions into a seamless, enjoyable customer interaction with their financial institutions.” SayPay was founded in February 2014 and is headquartered in Pleasanton, California. The company launched its BillPay and Secure Web Sign-In at FinovateSpring 2015 in May.

Stratos presented its wallet-simplifying, Bluetooth Connected Card with enhanced security, and emerged from the same New York round as fellow Finovate alum, Wealthforge. Stratos demonstrated its technology at FinovateSpring 2015 in May. It was founded in 2012 and is headquartered in Ann Arbor, Michigan; Thiago Olsen is CEO.

Wealthforge impressed UBS judges with its automated, integrated risk management solution for issuers and intermediaries. Mat Dellorso, CEO and co-founder, wrote at his company’s blog: “With the WealthForge Invest Button, anyone raising private capital can take advantage of an intuitive, modern approach to managing the process of raising more capital in less time.” Wealthforge was founded in 2011 and is based in Richmond, Virginia. Wealthforge gave Finovate audiences a look at the Invest Button during its demo at FinovateSpring 2015.

Also competing in the New York round were Finovate alums, MaxMyInterest and Coinalytics. FinovateEurope 2015 veteran CashSentinel represented Finovate alums in the Zurich round.

Joining SayPay Technologies, Stratos, and Wealthforge in Zurich will be:

European fintech fans! Join us in February as Finovate returns to London for FinovateEurope 2016. For more information, and to save your spot, visit our FinovateEurope page.

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Finovate Alumni News

By David Penn Posted on November 17, 2015
Categories: Arxan Technologies, CenturyLink, Coinbase, Credit Karma, Fastacash, Kony, Meniga, Praesidio, Xero

On Finovate.com

“Finovate Alums Earn Spots Among Finalists in UBS Future of Finance”

Around the web

Arxan announces Cyber Security scholarship program.

PYMNTS.com interviews Adam White, Coinbase VP and product manager, on the “killer app” phase of bitcoin.

CNBC looks at Fastacash and the launch of its remittance app, XOPO.

CenturyLink adds former U.S. Senator Mary Landrieu to their board.

Banking CIO Outlook magazine features Praesidio.

Credit Karma gives away one-billionth free credit score since its 2008 launch.

Kony appoints Stephen J. Rohleder, former Accenture COO, to its advisory board.

Xero pilots program to allow users to file their GST returns.

Bloomberg: Banks Catching Up with Amazon Turn to Iceland Startup Meniga for Ideas.

This post will be updated throughout the day as news and developments emerge. You can also follow alumni news headlines on the Finovate Twitter account.

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Mobile Monday: Communicating Critical App Updates via Email

By Jim Bruene Posted on November 16, 2015
Categories: Email Marketing, Email Samples, Mobile Banking, Service, Uncategorized, US Bank

Email from US Bank to mobile banking customers (12 Nov 2015)

Last week I wrote about how much I liked US Bank’s new native app. So I understand why the bank is anxious to get users ported over to the new version. Customers are going to like it. Guaranteed.

Yet I was a little surprised, just a week into the new version, to receive an email warning that the previous app was about to stop working (see message above). This urgency makes customers question whether something is seriously wrong with the previous version. The message is also annoying in that it doesn’t really give the customer any clue as to whether their version is the current one, or not. It provides only the version number (2.1.76) which is the cut-off between good and bad apps.

This message offers so many opportunities to improve that I was compelled to compile a top-10 list of gripes (plus 2 bonus nitpicks). They are listed, more or less, in priority order:

I had already updated to the new version, so this message was completely unnecessary. And if the bank doesn’t know which version I’m using, it should say so.
There is no explanation of why it was suddenly so urgent to upgrade. Skeptical users were left to their imaginations, not something you want in these days of widely publicized security breaches.
Instead of talking about version numbers, why not just describe the new app? It looks completely different! A quick description and screenshot would have been understood by 90% of the readers, and would have allowed users to move on with their day, rather than having to engage in a tedious “find the version-number hunt.”
If you must use a version number, then at least explain how to find it. The email failed to address that key point in the body, fine print, or within any links provided within the message. It’s not that simple to find the version number. You must log in, find the hidden primary navigation, choose “About the App” and notice the version number in the lower right corner (see inset).
If you are going to make such a big change, use a whole number for the new version of your app. In this case, it would be easier to say, “Use v3.0 or later.”
The links provided to update the app did not go to the iTunes app-update page, but instead went to a marketing page at USBank.com. And the marketing pages, while well done, also did NOT link to the app store’s update pages. In fact, to confuse things still further, the marketing page said the new version “was coming soon.”
The only way to get help was to make a phone call to the general 800 number; no direct line to tech support was given. And not even an FAQ page, email address, chat, or any other type of digital link was provided for help in responding to this matter.
The email message was not optimized for mobile. It was hard to read on my iPhone 6.
It does not specifically address what happens if you don’t update within the next few days; “discontinuing support” has a number of meanings from simply not getting tech support to completely not working.
The bank’s message concluded with thanks for being a mobile banking customer, but they could have also thanked me for taking time out of my day to deal with this “Maintain access … update now” emergency subject line in my inbox.
<Nitpick #1> The first sentence of the second paragraph uses “new” three times.
<Nitpick #2> The closing sentence repeats the “enhanced convenience” copy point. This is a generic benefit at best and shouldn’t be invoked twice in a 150-word message. The resulting inconvenience to update makes their value judgment of questionable importance.

Bottom line: Customer communications are not easy, especially with newer technology. So make sure to test them with some less-savvy users before hitting publish.

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Finovate Debuts: Persistent Systems Introduces Social Payment Solution BuddyPay

By David Penn Posted on November 16, 2015
Categories: Finovate Debuts, Persistent Systems

Persistent Systems made its Finovate debut in May with a new solution called BuddyPay. The technology makes it easy for one person to pay for goods or services purchased online by someone else. Think about a parent helping a son or daughter pay for expenses while away at school. Or a caregiver paying for a service bought by a senior in their charge. Rather than sending money back and forth, BuddyPay converts the consumer into a “Payer” and a “Buyer” in real time and lets the Payer handle the payment while the Buyer receives the product or service.

Company facts:

Founded in May 1990
Headquartered in Pune, MH, India
Earned more than 20% revenue CAGR for the past five years
Named one of the top ten companies for Indian investor relations by Thomson Reuters Extel Survey Awards

Shriram Natarajan, VP technology consulting for persistent systems, demoed BuddyPay at FinovateSpring 2015 in San Jose, California.

How it works

BuddyPay is an app that sits on the merchant platform and shows up as a “BuddyPay” button. A shopper, or “Buyer,” finds a product and then notifies or “pokes” the person on his “Buddy List,” such as a parent, to pay for it.

The person notified, the “Payer,” can then look at the item. If the Payer agrees, they send a notification back to the Buyer who returns to the online shopping cart to complete the transaction.

The Payment Request notification from the Buyer enables the Payer to see exactly what is in the Buyer’s shopping cart. The Payer can then choose their preferred payment method and pay for the item. Once the order is processed, both parties are notified of the completed transaction, and the Buyer can then make shipping arrangements.

The future

Another use-case includes employees paying for work expenses or even someone picking up the tab for a group of friends dining at a restaurant. The technology is ready to be integrated: Persistent Systems has developed SDKs for mobile app and e-commerce engine deployment and is eager to work with both merchants and banks.

Persistent Systems has made headlines recently, announcing the design and implementation of online communities for cloud-managed, enterprise wi-fi solution provider, AirTight Networks. The company was also involved in the Digital Pune Hackathon. Launched last month and organized by the Sakal Media Group and 14C in partnership with Persistent Systems, the Hackathon gave 180 students the opportunity to use technology to solve problems within the areas of transportation, public health, and water management. Top projects will be implemented by local organizations such as the Pune Municipal Corporation (PMC) and the Pune Metropolitan Regional Development Authority (PMRDA).

Check out the demo video from Persistent Systems from FinovateSpring 2015

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VATBox Wins Spot in Inaugural Global MasterCard Start Path Class

By David Penn Posted on November 16, 2015
Categories: VATBox

VATBox will join three other startups in the inaugural global class of the MasterCard Start Path program.

The six-month class includes “immersion weeks” hosted in Berlin and Singapore, as well as ongoing support from the MasterCard network. The companies will also be invited to attend the Start Path Global Partner Summit to meet and network with representatives from more than 20 banking, retail, and technology companies such as Samsung Card, TSYS, and Bank of Montreal.

The four startups will have access to the nearly 40 companies that have been previously mentored by, or partnered with, Start Path, including Finovate alums, Big Data Scoring, CardFlight, nymi, and Rippleshot.

VATBox CEO and co-founder Isaac Saft demonstrated the VATBox Automated VAT Recovery and Visibility solution at FinovateEurope 2015.

Stephane Wyper, global lead for MasterCard Start Path, said that the program was designed to be “more globally inclusive” and “provide startups access to new markets without uprooting them.” To qualify for the program, startups must have a live product in the market and have received initial funding. Joining VATBox will be payment analytics startup, Control; Japanese PFM innovator Moneytree; and artificial intelligence specialist, Rainbird.

Launched in 2014, MasterCard Start Path supports early stage startups working on the next generation of e-commerce solutions, including building big data, mobile, and cloud-based applications. The program seeks diversity among participating startups, encouraging companies with different levels of funding, team sizes, revenues earned and place of origin to apply. There were more than 200 applicants to this incoming inaugural global class.

In addition to making its Finovate debut at FinovateEurope 2015 in London in February, VATBox raised $24 million in growth equity investment in August. The company provides an automated VAT (value-added tax) recovery solution that helps maximize VAT returns in a transparent and compliant way.

Founded in 2012 and headquartered in Herzilliya, Israel, VATBox demonstrated its Automated VAT Recovery and Visibility platform at FinovateEurope 2015 in London. Isaac Saft is CEO and co-founder.

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Finovate Alumni News

By Julie Muhn (@julieschicktanz) Posted on November 16, 2015
Categories: Alkami Technology, BBVA, Billhighway, Chain.com, Coinbase, Corezoid, itBit, Persistent Systems, Ripple, TokBox, VATBox, Wealthfront

On Finovate.com

“VATBox Wins Spot in Inaugural Global MasterCard Start Path Class”

“Finovate Debuts: Persistent Systems Introduces Social Payments Solution, BuddyPay“

Around the web

Billhighway ranked number 398 fastest growing company in North America on Deloittes 2015 Technology Fast 500.

Inspirus Credit Union replaces its existing digital banking system with Alkami Technology’s ORB platform.

Corezoid–powered mobile Privat24 for Android lets users scan and digitize discount cards.

Let’s Talk Payments features Coinbase, Chain, Ripple, and ItBit in its roundup of top fundraising blockchain and bitcoin companies for 2015.

PYMNTS.com interviews Ripple CEO Chris Larsen on payment trends for 2016.

BBVA’s new release of BBVA Wallet enables users to redeem credit card rewards on the spot.

TokBox’s new developer toolkit brings voice and video chat to Apple TV apps.

Facebook’s CTO Mike Schroepfer joins Wealthfront’s board of directors.

This post will be updated throughout the day as news and developments emerge. You can also follow alumni news headlines on the Finovate Twitter account.

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Thinking Capital & Flybits Make Deloitte’s Technology Fast 50 Canada Awards

By Julie Muhn (@julieschicktanz) Posted on November 13, 2015
Categories: Award winners, Flybits, Thinking Capital

Deloitte last night announced the winners of its Technology Fast 50 rankings, and two Finovate and FinDEVr alums made the cut.

The Technology Fast 50 awards, which are split across three categories, recognize achievements and evolution in the Canadian tech sector.

First up is Thinking Capital which achieved a Fast 50 award*. This award lists the 50 fastest growing Canadian technology companies based on the highest percentage of revenue growth over the past five years.

Thinking Capital’s alternative lending platform has helped more than 10,000 SME’s gain access to capital. The company offers merchant advances and term loans up to $300,000.

Growth: 144%
Ranking: 50
Headquarters: Montreal, Quebec
Thinking Capital presented at FinDEVr San Francisco 2015

Flybits was listed among 11 others in the Companies to Watch category, which is based on the same criteria for the Fast 50 award without requiring the company to be in business for 5 years.

Flybits helps financial institutions deliver a more personalized mobile experience by leveraging all aspects of a user’s context.

Headquarters: Toronto, Ontario
Funding: $4 million
Flybits debuted at FinovateFall 2015

*Qualifying companies must have: headquarters in Canada, been in business for at least five years, revenues of at least $5 million, their own proprietary technology, research and development activities in Canada.

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ID Analytics, Payfone Win at 2015 Fierce Innovation Awards

By David Penn Posted on November 13, 2015
Categories: ID Analytics, Payfone

ID Analytics won first place in its category at the 2015 Fierce Innovation Awards: Telecom Edition. The company impressed judges with its ID Connect solution, launched in September, which makes it easier to onboard and enroll customers digitally.

ID Connect validates identity with a minimal amount of information, helping businesses increase conversions and lower abandonments. The solution auto-fills application fields and risk assesses the user in seconds. The SaaS technology can be combined with ID Connect Photo, which uses a government-issued ID card to populate fields.

Also taking top honors at the event was Payfone. Payfone won the Over-the-Top (OTT) Monetization category with its Payfone Signature technology, and also won the Customer Security category with its Identity Certainty Platform.

Payfone Signature is a deterministic, trusted mobile identity that, according to the company, “cannot be forged, cloned, spoofed, or hacked.” The technology uses data from the mobile network operator level to “permanently bind, verify, and subscribe” mobile identity at the account level. The result is what Payfone calls “a persistent mobile ID.” Identity Certainty leverages the Signature technology to provide organizations with the ability to provide seamless yet secure access to sensitive business information.

The Fierce Innovation Awards span 24 different categories and feature an additional six companies singled out for “Best in Show” recognition. Judges for this year’s competition included representatives from the Verizon Innovation Program, TeliaSonera International Carrier, Comcast, and T-Mobile USA. Companies were judged based on:

technological innovation
financial impact
market validation
compatibility with existing network environments
end-user customer experience

Founded in 2002 and headquartered in San Diego, ID Analytics demonstrated its platform at FinovateFall 2015. Payfone demoed its 1 Touch Checkout solution at FinovateFall 2012. Payfone was founded in 2008 and is based in New York City.

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Finovate Alumni News

By David Penn Posted on November 13, 2015
Categories: DoubleNet Pay, Flybits, ID Analytics, Nutmeg, PayActiv, Payfone, Thinking Capital, Yodlee, Zooz

On Finovate.com

“Thinking Capital and Flybits earn Deloitte’s Technology Fast 50 Canada Awards”

“ID Analytics, Payfone Win at 2015 Fierce Innovation Awards”

Around the web

Zooz CEO Oren Levy talks about EMV.

American Banker features PayActiv in a look at budgeting apps.

Let’s Talk Payments presents a roundup of wealth managers turned robo-advisers, including Nutmeg.

Yodlee features how DoubleNet Pay enables automatic bill pay and financial health for employees.

This post will be updated throughout the day as news and developments emerge. You can also follow alumni news headlines on the Finovate Twitter account.

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Fintech Fundings: 16 Companies Raise $900 Million Week Ending 13 Nov 2015

By Jim Bruene Posted on November 12, 2015
Categories: Funding

It was a quieter week in fintech fundings. Other than Blackstone’s $820 million bet on NCR — founded in 1884 as National Cash Register, NCR is likely the oldest financial technology company on the planet — just $85 million flowed to the under-100-year-old crowd. And we are not sure if the NCR inflow should even be considered “new money.” According to today’s WSJ story, the money appears to be earmarked for share repurchases, meaning it’s just a transfer of $820 million to the existing common-stock holders, rather than new capital sitting on the balance sheet. But we’ll see if they do follow that path.

Excluding NCR, 15 companies raised $85.4 million this week. Year-to-date, the total is $16.9 billion or $22.8 billion counting the Worldpay and First Data IPOs.

Here are the deals by size from 7 Nov to 12 Nov 2015:

NCR
ATMs, POS and financial technology
Latest round: $820 million Post-IPO equity
Total raised: Unknown
HQ: Duluth, Georgia
Tags: Enterprise, ATM, POS, core banking, payments, Blackstone (investor)
Source: WSJ

CircleUp
Equity crowdfunding platform
Latest round: $30 million
Total raised: $47 million
HQ: San Francisco, California
Tags: Consumer, SMB, financing, equity, P2P, investing
Source: Crunchbase

MoneyFarm
Investment advisory for small savers
Latest round: $17.2 million
Total raised: $40 million
HQ: Milan, Italy
Tags: Consumer, investing, robo-adviser, mobile
Source: Crunchbase

Bango
Mobile payments for m-commerce companies
Latest round: $17 million Post-IPO equity
Total raised: Unknown
HQ: Cambridge, England, United Kingdom
Tags: SMB, payments, mobile, acquiring, merchants, credit/debit cards
Source: Crunchbase

Bread Finance
Unsecured consumer financing of purchases
Latest round: $14.3 million, Series A
Total raised: $14.3 million
HQ: New York City, New York
Tags: Consumer, lending, underwriting, payments, merchants, SMB
Source: Crunchbase, WSJ

Innovation Broking
Corporate insurance brokerage services
Latest round: $3 million
Total raised: $3 million
HQ: Watford, United Kingdom
Tags: Insurance, B2B, enterprise
Source: FT Partners

Moni
Mobile bank
Latest round: $1.45 million Seed
Total raised: $1.45 million
HQ: London, England, United Kingdom
Tags: Consumer, banking, personal finance, PFM, mobile
Source: Crunchbase

NextBank Project
Bitcoin exchange
Latest round: $950,000
Total raised: $ million
HQ: Vanuatu
Tags: Consumer, SMB, bitcoin, cryptocurrency, exchange, payments
Source: Crunchbase

Camino Financial
Lending marketplace targeting Hispanic-owned small businesses
Latest round: $750,000
Total raised: $750,000
HQ: Glendale, California
Tags: SMB, lending, lead gen, price comparison, commercial loans
Source: FT Partners

RenewBuy
Auto insurance portal
Latest round: $500,000 Angel
Total raised: $500,000
HQ: Gurgaon, India
Tags: Consumer, automobiles, motorcycles, insurance, lead gen, price comparison, quotes
Source: Crunchbase

ZeePay
Mobile payments at the point-of-sale
Latest round: $200,000
Total raised: $200,000
HQ: Ghana
Tags: Payments, mPOS, underbanked, merchants, retailers, acquiring
Source: WhoGotFunded

Painless1099
Savings platform for freelancers
Latest round: $25,000, Seed
Total raised: $25,000
HQ: Buffalo, New York
Tags: SMB, savings accounts, tax, Lincoln Savings Bank (partner)
Source: Crunchbase

EDGARreader
Financial technology intelligence application
Latest round: $25,000 Award
Total raised: $25,000
HQ: New York City, New York
Tags: Consumer, investing, information
Source: Crunchbase

Captain401
401(k) management platform
Latest round: Undisclosed
Total raised: Unknown
HQ: San Francisco, California
Tags: Employees, SMB, retirement, benefits, investing, YCombinator
Source: WSJ

LevelFunded
Employee benefits provider
Latest round: Undisclosed
Total raised: Unknown
HQ: National, Maryland
Tags: SMB, health care, employees, benefit management, insurance
Source: Crunchbase

FinTecSystems
Real-time financial data access for financial institutions
Latest round: Undisclosed
Total raised: Unknown
HQ: Munich, Germany
Tags: Enterprise, fraud, security, online banking, payments, API, developers, big data
Source: FT Partners

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Image: West Islip Business Machines

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