FinDEVr 2014: PayNearMe Shows How It’s Possible to Pay Using Cash Online

FinDEVr 2014: PayNearMe Shows How It’s Possible to Pay Using Cash Online
This post is part of our live coverage of FinDEVr San Francisco 2014.
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PayNearMe showed how it has digitized cash:

Bringing Cash Payments into the 21st Century
PayNearMe secrets unveiled. Why do we even bother with innovating cash? How we developed a system to digitize cash? And how modern development techniques laid the foundation for PayNearMe to become the fastest growing electronic cash transaction network?
PayNearMeHomepage
Presenter: Kurt Thams, CTO
About:
PayNearMe enables consumers to pay rent, repay loans, buy tickets, make online purchases, and do much more with cash. Consumers can make cash payments in their own neighborhood in less than 60 seconds through PayNearMe’s network of 17,000 authorized payment locations including 7-Eleven®, Family Dollar®, and ACE Cash Express® stores.
Website: paynearme.com
Twitter: @PayNearMe

FinDEVr 2014: CopSonic’s SDK Uses Sonic Waves to Enable MultiFactor Authentication

FinDEVr 2014: CopSonic’s SDK Uses Sonic Waves to Enable MultiFactor Authentication
This post is part of our live coverage of FinDEVr San Francisco 2014.
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CopSonic takes sonic and ultra sonic waves to create an authentication technology that works on all phones:

Sonic and Ultrasonic Authentication Solution Working on All Mobile Phones

The CopSonic SDK allows contactless multi-factor authentication based on ultrasounds or sounds. This SDK is the first to introduce an “airgap” with encrypted analog information into the digital circuit. The security level thus achieved by CopSonic reaches current military security levels.
CopSonic is a universal solution working on all feature phones, smart phones, smart watches, tablets, computers, smart devices, internet of things, etc. as long as they are equipped with speakers and/or a microphone. It is operational on all standard GSM networks, on the internet or any other TCP-IP compatible network. The solution requires no change of Telco or of the existing hardware.
CopSonic enables e-commerce, financial and cybersecurity industries to propose a universal and secure solution for strong authentication to all of their customers worldwide. This authentication solution is an alternative to the use of online and/or offline passwords.
PhonicAccess and GateSonic are anti-phishing use cases of this highly secured technology. Also, for the first time, CopSonic enables the use of smart-bracelets as a secure access key.
CopSonicHomepage
Presenters: Emmanuel Ruiz, CEO & Head of Innovation and Brian Roeten, Chief Business Operator
About:
CopSonic is a French company founded in 2013 specialized in the development and marketing of its sonic and ultrasonic authentication technology. The company is composed out of a strong team of researchers and engineers specialized in security, payment, sonic and ultrasonic authentication protocols. Recently, CopSonic joined the Microsoft Partner Network and became a member of the FIDO Alliance organization.
Website: copsonic.com
Twitter: @CopSonic

FinDEVr 2014: OnDeck’s Lending API Helps Assess Business Health to Deliver Loans Faster

FinDEVr 2014: OnDeck’s Lending API Helps Assess Business Health to Deliver Loans Faster
This post is part of our live coverage of FinDEVr San Francisco 2014.
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OnDeck showed how its lending APIs help financial institutions lend to small businesses faster:

OnDeck Lending API’s – Frictionless, Extensible, Powerful
The OnDeck Score evaluates thousands of data points – from cash flow to public records to social data – to more accurately and efficiently assess business health and deliver capital in as fast as 24 hours. 
Pamela Rice, OnDeck’s SVP of Technology, is discussing how the OnDeck platform provides a critically needed mechanism for financial institutions and other business service providers to efficiently reach the Main Street small business market. 
The company has several APIs, which provide powerful, fully integrated lending capabilities to third party partners, thus allowing for instant pre-qualifications, pre-approvals and loan applications. Through a coding and product demo, Pamela will demonstrate how both developers and non-developers can interact with OnDeck’s APIs in a UI sandbox and how to utilize our Salesforce app for frictionless plug-and-play integration. 
OnDeckHomepage
Presenter: Pamela Rice, VP Technology
About:
Launched in 2007, OnDeck uses data aggregation and electronic payment technology to evaluate the financial health of small and medium sized businesses to efficiently deliver capital to a market underserved by banks. Its proprietary technology – the OnDeck ScoreTM – enables small businesses to obtain affordable loans with a fraction of the time and effort that it takes through traditional channels. OnDeck’s credit models look deeper into the health of businesses, focusing on overall business performance, rather than the owner’s personal credit history. 
As a leading direct lender of small business loans, OnDeck has deployed more than $1 billion in capital nationwide.
Website: ondeck.com
Twitter: @ondeckcapital

FinDEVr 2014: Finicity Launches Financial Aggregation API

FinDEVr 2014: Finicity Launches Financial Aggregation API
This post is part of our live coverage of FinDEVr San Francisco 2014.
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Finicity launched its Financial Aggregation API:

Aggregation Reloaded

Forged and hardened in consumer PFM over the past 13 years, Finicity is publicly launching its Financial Aggregation API service with unparalleled FI uptime, broad FI coverage, 24/7 developer support, and exciting new endpoint features that will elevate your UX.
FinicityHomepage
Presenter: Nicholas Thomas, President & Co-Founder
About:
Founded in 1999, Finicity is a privately held fintech industry pioneer. Leading the charge to the Evented Financial Web, Finicity enables fintech developers to build real-time apps through its RESTful Aggregation API and the Finicity API Platform.
Website: finicity.com 

FinDEVr 2014: Bluefin’s Point-to-Point Encryption Reduces PCI Compliance Headaches

FinDEVr 2014: Bluefin’s Point-to-Point Encryption Reduces PCI Compliance Headaches
This post is part of our live coverage of FinDEVr San Francisco 2014.
BluefinPaymentSystems

Bluefin Payment Systems showed how its Point-to-Point Encryption Solution helps PCI compliance issues:

Bluefin, Point-to-Point Encryption (P2PE)

Bluefin is the first validated Point-to-Point Encryption (P2PE) Solution listed by the PCI Security Standards Council, North America. P2PE can reduce the scope of card data environment and related PCI requirements. Your software doesn’t need to be PCI Compliant if card data is encrypted using P2PE.
BluefinPaymentHomepage 
Presenters: Ruston Miles, Chief of Product Innovation and Tim Barnett, Chief of Technology
About: Bluefin Payment Systems is a leading FinTech company focused on processing, integrating, and securing payments. Bluefin offers P2PE, tokenization, mobile payment SDK’s, payment gateways, merchant accounts, PCI Compliance, transparent redirect, recurring billing, and branded online merchant account enrollment.
Website: bluefin.com
Twitter: @BluefinPayments

FinDEVr 2014: Paradigm4’s SciDB Helps Developers Answer Hard Questions with Fast Answers

FinDEVr 2014: Paradigm4’s SciDB Helps Developers Answer Hard Questions with Fast Answers
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This post is part of our live coverage of FinDEVr San Francisco 2014.

Paradigm4 demonstrates how its SciDB makes it easier for builders to do big things with Big Data.

Crypto-Currency and Massive Network Analysis
We’ll begin with a graphical overview of a crypto-currency financial network, discuss the key issues and challenges around massive network analysis and then demonstrate our solution using SciDB via the RStudio user interface.
Presenter: Bryan Lewis, Chief Data Scientist
Paradigm4Home_FinDEVr2014
About:
Paradigm4 develops and supports SciDB: the open source, analytic DBMS; programmable from R & Python. SciDB is designed from the ground up to support more facile data management for Big and Diverse Data, and to do faster and bigger math. Hard questions. Fast answers. Open source.
Website: paradigm4.com
Twitter: @paradigm4

FinDEVr 2014: StockTwits Helps Traders Invest in the Social Era

FinDEVr 2014: StockTwits Helps Traders Invest in the Social Era
This post is part of our live coverage of FinDEVr San Francisco 2014.
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StockTwits discussed the best way for investors to compete in the social era:

Investing in a Social, Local and Mobile World

We are in a mobile boom that has connected people who also happen to be investors. The markets have always been giant mood rings, but the periods of quiet and volatility are more intense. We’re discussing the best ways to use StockTwits to invest in the social era.
StockTwitsHomepage
Presenter: Howard Lindzon, Chairman
About:
StockTwits is a social network and publishing platform for investors and traders. We created the $ prefix for stocks (e.g. $MSFT). Follow @StockTwits and go to stocktwits.com for real-time ideas and stock conversations.
Twitter: @stocktwits

FinDEV 2014: ModoPayments Helps Builders Create Beautiful Buying Experiences

FinDEV 2014:  ModoPayments Helps Builders Create Beautiful Buying Experiences
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This post is part of our live coverage of FinDEVr San Francisco 2014.

ModoPayments showed how beautiful apps lead to beautiful mobile buying experiences.

How to Find Money & Love with Mobile Apps (OK, maybe more money than love)

Learn about the best-kept-secret in mobile payments APIs: Modo. Modo will show you in 6 minutes or less how to build a beautiful buying experience that entices consumers to spend money, and make you money, through exceptional economics. This is all with the cunning use of the mobile app of your dreams. Your love mileage may vary.
Presenter: Bruce Parker, CEO & Founder
modoHome_FinDEVr2014
About:
With Modo you can build beautiful buying experiences, with exceptional economics. Whether you are looking for more sales, transactions, or rockstar moments for your consumers, Modo can help. Using Modo’s handcrafted API, your mobile app gets to perform in-store purchases at tens of thousands of store locations. Modo powers the payments and you design the experience. Everyone is looking for something: personal, magical, and beautiful. So why not give it to them? Your app, plus our platform – more of what you want.
Twitter: @GETmodo

FinDEVr 2014: The Mifos X Platform Serves those Who Lack Access to Financial Services

FinDEVr 2014: The Mifos X Platform Serves those Who Lack Access to Financial Services
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This post is a part of FinDEVr’s live coverage of FinDEVr San Francisco 2014.
Mifos presented how developers can use its not-for-profit platform for global financial inclusion:
Mifos X, Open Technology Platform Unlocking New Opportunities at the Base of the Pyramid
There is a massive opportunity to serve the 2.5 billion individuals who lack access to financial services (the unbanked). Discover how you can build and scale mobile and cloud-based solutions on top of the open Mifos X platform for financial inclusion which is led by a global community backed by Silicon Valley.
MifosHomepage
Presenter: Vishwas Babu, Chief Community Engineer
About: The Mifos Initiative is a 501(c)3 nonprofit that guides the development of the Mifos X solution for financial inclusion, an API-driven open-source platform with a suite of configurable cloud apps. Our community speeds the elimination of poverty by scaling financial services to the 2.5B unbanked.
Website: mifos.org
Twitter: @mifos

FinDEVr 2014: Cloud Lending is Taking Enterprise Lending Software to the Cloud

FinDEVr 2014: Cloud Lending is Taking Enterprise Lending Software to the Cloud
This post is part of our live coverage of FinDEVr San Francisco 2014.
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Cloud Lending showed how it helps financial institutions move the back office to the cloud:

Cloud Lending – Enterprise Lending Software

Cloud Lending products enable financial institutions to achieve scale and flexibility by moving the core back office to the cloud. Why did we choose Salesforce? The results that have been achieved by our customers using applications built on the Force.com platform – three-digit growth every quarter.
CloudLendingHomepage
Presenter: Darpan Saini, Co-Founder & CTO
About:
Cloud Lending is an enterprise cloud lending solution provider. Our agile solutions are designed to empower lending businesses to simplify business processes, stay compliant and be future ready.
Twitter: @cloudlending 

FinDEVr 2014: BehavioSec’s Real-Time Security Solution Leverage the Unique Way Users Interact with Devices

FinDEVr 2014: BehavioSec’s Real-Time Security Solution Leverage the Unique Way Users Interact with Devices
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This post is part of our live coverage of FinDEVr San Francisco 2014.

BehavioSec demoed its behavioral biometric ID authentication system.

BehavioSec Offers the Most Mature ID System that Uses Behaviour Analytics

BehavioSec presents the latest in real-time security through the ability to monitor the way users interact with their device. By monitoring the environment and interactions such as typing rhythm or mouse patterns, our technology is able to recognize if someone other than the intended user is operating the device. If a security breach is detected, additional security measures can be carried out to prevent fraud and stop identity theft.
  • Robust proven technology with more than 10 million active users in 2014
  • Scalable with more than 500 million mobile transactions processed
  • High performance with more than 20 banks using the service
  • Available now for cloud or onsite deployment
Presenter: Neil Costigan, CEO & CTO and Josefine Ahl, Development Team Leader
BehavioSecHome_FinDEVr2014
About:
Leaders in frictionless behavioral user verification & authentication, BehavioSec examines how you interact with a website or mobile device to provide a frictionless layer in web fraud prevention.
Twitter: @Behaviosec

FinDEVr 2014: CardFlight Brings Card-Present, POS Functionality to Mobile Apps

FinDEVr 2014: CardFlight Brings Card-Present, POS Functionality to Mobile Apps
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This post is part of our live coverage of FinDEVr San Francisco 2014.

CardFlight showed developers how to add POS functionality into their mobile apps.

CardFlight SDK for Mobile Payments

The CardFlight SDK allows any mobile developer to build mobile point-of-sale functionality into his or her own mobile apps. CardFlight supplies three things:
  1. Encrypted mobile card readers that fit into the audio jack of any smartphone or tablet
  2. Easy-to-integrate software development kits for iOS and Android, complete with developer-friendly documentation and support
  3. A PCI level 1 compliant payment gateway that works with all major processors/merchant accounts.
This allows developers to easily process swiped credit card payments within their own apps without the complexity of typical payment integrations. By using the CardFlight SDK, developers can fully customize their user experience and keep control of their product, while being able to integrate payment data into their other back-end systems (CRM, inventory management, analytics, and reporting, etc.)
The CardFlight SDK and gateway is compatible with merchant accounts from leading processors, including Braintree, Chase Paymentech, Global Payments, First Data, Stripe, TSYS, and Vantiv.
Presenter: Elie Toubiana, VP Engineering & Derek Webster, CEO
CardFlightHome_FinDEVr2014
About:
CardFlight is a leading provider of mobile POS technology and tools that make it easy for anyone to accept swiped (card present) payments in any mobile app with virtually any merchant account. They offer both iOS/Android mobile payment applications and software development kids (SDKs) that can be incorporated into custom applications. CardFlight’s platform also includes encrypted card readers and a payment gateway that supports over 20 different processors to provide clients with complete mobile payments and mobile POS (mPOS) solutions. CardFlight won the Electronic Transactions Association’s 2014 Technology Innovation Award.
Twitter: @CardFlight