AdviceGames Uses Gamification to Help Users Budget for their Mortgage

By Julie Muhn (@julieschicktanz) Posted on
Categories: AdviceGames, FinovateEurope 2015

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This post is part of our live coverage of FinovateEurope 2015.
 
AdviceGames unveiled its Risk Game to help users budget better for their mortgage:

The Risk Game teaches the players how to budget more wisely. The starting point is the Financial Health Score (FHS), an index of a consumer’s financial health. The FHS determines the starting level in the game and drives the routing.

Players can use their earned points for saving and protecting themselves against unexpected events. Real life comes in when the players receive tips and see their FHS adjusted in their bank account based on their real behavior. The objective of the game is to activate people to better budget and therefore be able to pay their mortgage installments, reducing the risk for the bank.

 

Presenters Diederick van Thiel, CEO & Founder, and Rosali Steenkamer, COO & Founder
 
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Product Launch: March 2015
Metrics: Privately owned, 15 employees, 7 customers, broke even in 2014
Product distribution strategy: Through financial institutions, through other fintech companies and platforms, licensed
HQ: Hilversum, The Netherlands

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Smart eMoney Presents LockByMobile to Stop Credit Card and ATM Security Breaches

By David Penn Posted on
Categories: FinovateEurope 2015, Smart e-Money

Smart_eMoney_logo_high-res.jpgThis post is part of our live coverage of FinvoateEurope 2015.

The team from Smart eMoney is on its way to the stage with its anti-fraud security solution, LockbyMobile.

To address the potential breach in credit card or ATM security, LockByMobile provides an additional security layer for cardholder accounts such as credit, debit, ATM and prepaid card, or even electronic wallets. It empowers cardholders to take control by “locking and unlocking” their accounts in real time using their mobile phone.

The service offers granual settings such as locking specific channels (point of sale, online, mobile, or ATM), or transaction settings (amount and merchant types), as well as limiting the transactions to certain countries and currencies.

LockByMobile’s concept comes from the Lock/Unlock feature of Smart Money, winner of the ‘Best Mobile Security Feature’ award, November 2009, GSMA in Barcelona.

Presenters: Angelito Villanueva, VP & head of innovation, and Guillaume Danielou, senior product manager 

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Product launch: October 2014
Product distribution strategy: Direct to Business (B2B), through financial institutions
HQ: Manila, Philippines
Metrics: 217 employees
Twitter: @LockbyMobile

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Xignite Introduces its FactSet Fundamentals API

By David Penn Posted on
Categories: FinovateEurope 2015, Xignite

Xignite_logo_high-res.jpgThis post is part of our live coverage of FinovateEurope 2015.

Our next presenter is Xignite, launching its FactSet Fundamentals API.

Xignite FactSet Fundamentals is the first RESTbased API to provide accurate and trusted historical financials, fundamentals, earnings and more across more than 170 global exchanges. Users can retrieve financial statement data for quarterly, semi-annual, annual, and restated filings for companies across North America, LATAM, EMEA, and APAC, In addition, users can retrieve daily-calculated fundamentals, based on FactSet financial statement data, from P/E ratios and market caps, to 60-month betas, and 200-day moving averages, and more.

Presenter: Stephane Dubois, CEO & founder

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Product launch: February 2015
Product distribution strategy: Direct to Consumer (B2C), Direct to Business (B2B), partnerships with fintech and financial services companies
HQ: San Mateo, California
Metrics: 1,000+ customers; 100+ APIs, 100+ data sources, $20 million raised; 20 billion API calls per month
Website: xignite.com
Twitter: @xignite

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Mistral Mobile Unveils m-Aegis, a Multi-Factor Integrity Solution for Mobile Apps

By David Penn Posted on
Categories: FinovateEurope 2015, Mistral Mobile

MistralMobile_logo_high-res.jpgThis post is part of our live coverage of FinovateEurope 2015.

Making its way to the stage is the team from Mistral Mobile launching their mobile, multifactor integrity solution, m-Aegis.
m-Aegis is the only multi-factor, telco-independent, integrity solution for mobile applications requiring high-confidence device and user binding. The mobile phone is increasingly used for handling critical information and transactions. With the explosion of such usage comes risk. Can financial service providers be confident that their communications channel or mobile application has not been tampered with? With m-Aegis, Mistral Mobile provides the tools to bind mobile users to respective financial services using multiple factors. The result is increased system integrity and ultimately the security of your customer’s information and transactions.
Presenters: CEO Ludwig Schulze, and CTO Timo Tervo 
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Product launch: February 2015 at FinovateEurope
Product distribution strategy: Direct to Business (B2B), through financial institutions, through other fintech companies and platforms, licensed.
HQ: Oulu, Finland and New York, New York, U.S.A.
Metrics: 15+ employees
Twitter: @MistralMobile

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Fiserv’s Mobiliti Increases Users’ Control of Mobile Banking through Unique Features

By Julie Muhn (@julieschicktanz) Posted on
Categories: FinovateEurope 2015, Fiserv

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This post is part of our live coverage of FinovateEurope 2015.
 
Fiserv showed how Mobiliti gives the customer more control and transparency.
Fiserv is demonstrating what the next generation digital banking interactions will look like, with a heavy focus on the payments-user experience, coupled with value-added services related to the payment. Built on Fiserv’s world-leading Mobiliti platform, the demonstration will include:
• Augmented Reality
• Merchant Offers
• Integrated Payments
• Card Management
• Proactive Banking
The demonstration is geared towards the consumer and allowing them greater control and transparency over their spending and banking habits.
Presenters: Jonathan Atkinson, market development, digital channels and payments; Martyn Lock, sales executive, digital channels
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Product launch: September 2014
Metrics: $4.81 billion in revenue, 2013; publicly traded; 21,000 associates worldwide; 14,500 financial institutions and business clients worldwide
Product distribution strategy: Direct to Business (B2B), through financial institutions
HQ: Brookfield, Wisconsin, U.S.A.
Founded: July 1984
Website: fiserv.com
Twitter: @fiserv

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Revolut Presents its Personal Money Cloud Removes All Hidden Banking Costs

By David Penn Posted on
Categories: FinovateEurope 2015, Revolut

Revolut_logo_high-res.jpgThis post is part of our live coverage of FinovateEurope 2015.

Our next presenter is Revolut, with its personal money cloud.
Revolut allows you to exchange currencies at interbank rates, send them through social networks, and spend with a multi-currency card accepted anywhere. All is done with the touch of a button, through a beautiful mobile application. There are features that will blow your mind. Just one example: the ability to pay with bitcoins in any shop through the Revolut multi-currency card. And there are several others.
Presenters: Nikolay Storonsky, CEO & founder, and Vlad Yatsenko, CTO
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Product launch: January 2014
Product distribution strategy: Direct to Consumer (B2C), through financial institutions, thorugh other fintech companies and platforms
HQ: London, United Kingdom
Metrics: We have ~6,000 users pre-subscribed for our beta launch, and have arranged nine deals with big-name companies (including MasterCard) for product implementation
Website: revolut.com
Twitter:

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mBank & i3D Present Their Interactive Digital Bank Branch

By David Penn Posted on
Categories: FinovateEurope 2015, mBank & i3D

mBank_i3D_logo_high-res.jpgThis post is part of our live coverage of FinovateEurope 2015.

Pure-play Internet bank mBank and virtual reality innovator i3D have teamed up to demo their New Interactive Retail Branch Concept.
mBank and i3D have developed a digital branch with an interactive “art exhibition” experience using the best technology available—gigantic multi-touch screen, motion-sensing, and face recognition.
Presenters: Jacek Iljin, mBank’s managing director, sales and processes; Marcin Wisniewski,  i3D’s director, sales and marketing
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Product launch: November 2014
Product distribution strategy: Direct to Consumer (B2C)
HQ: Lodz, Poland, 9mBank; Gliwice, Poland, i3D
Metrics: mBank is the fourth largest Polish banking group with more than 4.6 million customers in PL, CZ, and SK; $400 million net income in 2013, and 6,000 FTE.
i3D is a world-class provider of advanced solutions for full reproduction of real world in virtual reality, including content development, VR software, equipment, and 3D image projection systems.
Website: mbank.pl & i3d.pl
Twitter: @mbankpl

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CPB SOFTWARE’s PROFOS Tool Helps Financial Advisors Meet Client Needs

By Julie Muhn (@julieschicktanz) Posted on
Categories: CPB Software AG, FinovateEurope 2015

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This post is part of our live coverage of FinovateEurope 2015.
 
CPB SOFTWARE showcased its PROFOS tool for financial advisors.

PROFOS is the app for bankers! Mobile services are up-to-date, comprehensive, intuitive and discreet. PROFOS is more than a common app. It combines your customer’s data with consultancy features supporting advisors skills – highly demanded by your clients!

PROFOS helps your advisors easily show and present deep banking knowledge combined with a better understanding of your clients’ needs. Your conversations with clients will change and at any place requested, your clients will be more attentive and understand more easily. Hence, for you: MORE profit with LESS effort.
Presenters: Peter Thomayer, CEO; Barbara Aigner, consultant; Markus Nekham, consultant
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Product launch: September 2014
Metrics: €3.5 million in equity, €17M in revenue for 2014, 130+ employees, 700+ customers in 7 countries
Product distribution strategy: Direct to Business (B2B), licensed
HQ: Vienna, Austria
Founded: 1996

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Mobino Introduces Mobino Cash, a Swiss Standard for Mobile Money

By David Penn Posted on
Categories: FinovateEurope 2015, Mobino

Mobino_logo_high-res.jpgThis post is part of our live coverage of FinovateEurope 2015.

Global payment service Mobino is up next with its mobile money solution, Mobino Cash.
The Mobino Cash platform delivers superior convenience for customers with a seamless integration of many payment scenarios:
  • Peer-to-peer money transfer
  • Payment for goods and services in shops
  • POS and cash register integration
  • Quicker and safer e-commerce payments
  • Fluid payment flow for mobile commerce
  • Cheap and efficient international remittances
  • Registration and KYC process for unbanked
  • Cash-in/out operations at agents and ATMs
  • New one-touch payment from your smart watch
We are looking for distribution partners, merchants, and investors, to expand our reach in Europe and worldwide.
White labeling and cobranding are available.
Presenters: CEO Jean-Francois Groff, and CTO Alvaro Fussen
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Product launch: February 2015
Product distribution strategy: Direct to Consumer (B2C); Direct to Business (B2B) through financial institutions, through other fintech companies and platforms; licensed
HQ: Geneva, Switzerland
Metrics: Emerging market leader in Switzerland, expanding in Europe and Africa in 2015
Website: mobino.com
Twitter: @mobino

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FOBISS Presents its Cash Management Solution, FOBISS CM

By David Penn Posted on
Categories: FinovateEurope 2015, FOBISS

FOBISS_logo_high-res.jpgThis post is part of our live coverage of FinovateEurope 2015.

FOBISS is next with its intelligent business operations technology that leverages the power of artificial intelligence.
FOBISS CM performs the complex cash-demand forecasting and optimization tasks using its integrated artificial intelligence algorithms, capable of real-time processing of large amounts of information, evaluation of historical data, relations between them, trends, and projections. It chooses the optimum decisions out of millions of possible combinations—something standard analytical tools cannot do.
The biggest value of the technology lies in its rich, advanced analytic tools, such as “what if” scenario modeling based on real-time profitability counting capabilities, which allow decision makers not only to make the best operational and tactical decisions in real time, but also to flexibly and timely adjust to the winning strategies.
Presenters: Managing Director Mindaugas Leonavicius, and Global Sales Director Andrius Ojeras
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Product launch: 2011
Product distribution strategy: Direct to Business (B2B) through financial institutions, through other fintech companies and platforms; licensed
HQ: Eindhoven, Netherlands
Metrics: 30 employees
Website: fobiss.com
Twitter: @FOBISS_BV

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nextmarkets Previews its Web and iOS Apps to Help Investors Save Smarter

By David Penn Posted on
Categories: FinovateEurope 2015, nextmarkets

nextmarkets_logo_high-res.jpgThis post is part of our live coverage of FinovateEurope 2015.

nextmarkets is our next presenting company, with a web and mobile app to help investors earn more and learn more about the markets.

The way people trade on financial markets will change radically through the internet. so nextmarkets developed a smart and innovative web and mobile application that allows users to invest more effectively, save smarter, and learn how capital markets work.

The idea is simple but powerful. We wanted to develop web and mobile software that help users survive everyday ups and downs of financial markets and accomplish their objectives.

Presenters: Manuel Heyden, CEO, and Dominic Heyden, CTO 
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Product launch: April 2015
Product distribution strategy: Direct to Consumer (B2C)
HQ: Cologne, Germany

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Taulia Debuts Enhanced Discounting

By Julie Muhn (@julieschicktanz) Posted on
Categories: FinovateEurope 2015, Taulia

TauliaLogo.jpgThis post is part of our live coverage of FinovateEurope 2015.

Taulia showed how its Taulia Enhanced Discounting (TED) enables organizations to offer financing for suppliers.

Taulia Enhanced Discounting (TED) aims to revolutionize the funding of supply chain finance. TED combines the benefits of traditional dynamic discounting – when corporations offer an early payment to a supplier in exchange for a small discount – with a flexible supplier financing programme, which allows organizations to choose to use their own cash or the capital of a third-party financial institution, to capture early payment discounts.

With TED, organizations can offer their suppliers uninterrupted, affordable financing regardless of their own cash positions, operating obligations, or financial forecasts. Taulia is so confident of the value that TED delivers, that it guarantees its customers savings of £1M a year.

Presenters: Matthew Stammers, director, European marketing; Christophe Juvanon, director, European solutions consulting
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Product launch: February 2014

Metrics: $70M in equity raised, more than 200 employees across the globe including offices in San Francisco, London, Düsseldorf, and Sofia; 300,000+ supplier connections on the Taulia network

Product distribution strategy: Direct to Business (B2B) through other fintech companies

HQ: San Francisco, CA, USA
Founded: June 2009

Website: taulia.com
Twitter: @taulia

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