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FinovateFall 2014: Ready, Steady, Go!

By David Penn Posted on September 22, 2014
Categories: FinovateFall 2014

It’s rehearsal day here at FinovateFall 2014 – just 24 hours before the lights go up and the first of 70 live demos of the latest in fintech innovation begins.

Monday is a day of preparation for everyone: for the innovators practicing their pitches and triple-checking their laptops, smartphones, and tablets; for the ballroom technical crew and the Finovate team tending to last minute details …

But Monday is a day of preparation for attendees, as well. And to help make sure you’ve got everything you need in order to make the most out of your FinovateFall experience, here’s a last minute rundown of the whats, whens, and whys of the event – whether you are joining us in New York here at the Hilton Midtown or following the show via Twitter or the Finovate Live Blog.

Registration

Registration begins at 8am, with the first demo starting at 9am. We are expecting a full house, so be sure to arrive early.

Agenda

Below is quick guide to the demos on Tuesday and Wednesday.

Twitter & Live Blog

They say if you can make it here, you can make it anywhere. But for those who weren’t able to make it to New York this time around, there are a couple of ways you still can take in every minute of FinovateFall.

Our Live Blog at Finovate.com will cover every demo, every presenter, every company over the two days of FinovateFall. You can also follow the show by way of our Twitter feed @Finovate. Just use the hashtag #Finovate and join in the conversation.

Bizzabo App

And last but not least, if you’re here in town for FinovateFall 2014, please be sure to join the community on Bizzabo. Available on iOS, Android, and via the web, Bizzabo is a great way to see, meet, and connect with your fellow attendees as well as learn more about the companies demoing at the event.

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Counting Down to FinovateFall 2014

By Julie Muhn (@julieschicktanz) Posted on September 21, 2014
Categories: FinovateFall 2014

We’re only a day-and-a-half away from FinovateFall 2014, our twenty-first conference, and things are really coming together here in New York City.

The Finovate team arrived earlier this week and has been busy fine-tuning the venue, organizing attendee packets, and preparing for the largest Finovate audience of all time, nearing 1,500 (thanks everyone!).

The presenting companies will begin pouring into the venue tomorrow to practice their demos and get the lay of the networking hall.

Before you arrive, here are some key things to keep in mind:

Where

New York Hilton Midtown

1335 Avenue of the Americas

New York, NY 10019

Agenda

We’ll open the doors at 8AM. Registration and continental breakfast will continue until just before 9AM, at which point the first demo will begin.

Here’s the full agenda:

Here’s a list of the exact time each company’s demo will start.

Don’t forget

Remember to pack plenty of business cards and wear comfortable shoes
Download the Finovate app before the show to get a glimpse of who you’ll be rubbing elbows with
Contribute to the conversation on Twitter using #Finovate, and follow @Finovate to stay updated on news about the companies on stage
Check out the Finovate blog to watch the live coverage of each company’s demo on stage.
If you’re up for some last minute studying, check out our Sneak Peek series to see what some of the demos will focus on.

If you have any last minute issues or questions, please see our frequently asked questions or email [email protected] and our team will be happy to help. We can’t wait to see you all in New York!

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FinDEVr Preview: Paradigm4, PayNearMe, Personal Capital, StockTwits, and Tradier

Here’s Part Three of our final preview of the companies that will be demoing their technologies on Tuesday, September 30, Day One of FinDEVr. In this installment, we look at:

Click here for Part One. Part Two is available here.

FinDEVr is less than a week away. But there’s still time to get your tickets and save your spot.

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.

Keynote: 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.

Why it’s great for developers:

More data science, less computer science with SciDB:

ACID DBMS
Horizontally scalable on commodity HW
Massively parallel matrix math
Programmable from R or Python

Big analytics without big hassles. Hard questions. Fast answers. Open source.

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.

Keynote: 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?

Workshop: Strong But Agile: Innovation When Money is On the Line

Innovation in fintech happens faster than ever. When working with other people’s money, there is no room for error. How do you build teams and systems that are flexible for agile product development and rigid for security and reliability? What’s the relevance of historical payment systems? And what about Bitcoin?

Why it’s great for developers:

Supports endless number of payment use-cases including mobile, web, printed, and embedded barcodes.
Offers real-time communication path and various payment authorization options
Multiple implementation paths

The PayNearMe cash transaction platform is extremely flexible, handles the heavy lifting for merchants, and can plug into a large array of payment use cases.

Personal Capital helps people live better financial lives with technology-enabled advisory services as well as free financial software and educational content. Their award-winning apps enable you to effortlessly view your entire financial life in one place. Personal Capital brings to everyone wealth management that previously only the wealthiest could afford.

Keynote: The Art of Data Aggregation

This presentation is for developers and engineers who build applications on top of data gathered from multiple sources. The objective of our data aggregation platform is to model (and report) a user’s complete financial life.

We share the three key architectural principles that have made this platform possible:

Owning the aggregated data to improve quality
Synthesizing data and developing machine learning intelligence to obtain unique insights
Developing APIs that hide data complexities to drive efficient UI development

Why it’s great for developers:

Better data quality by owning collected data
Unique insights via data synthesis & machine learning intelligence
Efficient UI development via APIs that hide data complexities

We create complex models of a user’s financial life using a rich data aggregation platform and present it to the user in a simple and straightforward way.

StockTwits is a social network and publishing platform for investors and traders. We created the $ prefix of stocks (e.g. $MSFT). Follow @StockTwits and go to stock twits.com of real-time ideas and stock conversations.

Keynote: 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.

Why it’s great for developers:

Get caught up on what stocks and markets are trending fast
Follow smart people that speed your financial markets learning curve
Leverage relationships to make money

Our mobile apps are easy to use and the trending ticker along with our suggested list make staying in tune with markets easy and doable in 10-20 mi
nutes a day.

Tradier is a financial services cloud provider that offers a groundbreaking solution to serve platform providers, developers, and investors. The Tradier solution features an innovative set of fully hosted APIs, modules, and “out of the box” tools that are leveraged by a growing list of providers.

Keynote: An API Like Never Before – Do What Matters and the Rest Is Already Done

Have you ever tried to build a financial market app? It is painful and just about impossible. Too much data, trading, platform and process barriers. Tradier has done all that heavy lifting for you. An API that abstracts the pain and delivers the gain.

Why it’s great for developers:

Free developer access (no brokerage account required)
Historical market data going back nearly 30 years
A Broker who does not compete against you

Removal of barriers to financial market app innovation. Ease of implementation with fully-supported APIs.

We hope you’ve enjoyed our FinDEVr Preview series. We’ll be back in a week with our preview of companies presenting and holding workshops on Day Two / October 1 of FinDEVr.

And if you missed our previous editions of our FinDEVr Preview, the links below will help get you up to date.

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FinDEVr Preview: CopSonic, Finicity, Mifos Initiative, ModoPayments, and OnDeck

By David Penn Posted on September 21, 2014
Categories: CopSonic, FinDEVr San Francisco 2014, Finicity, Mifos Initiative, modoPAYMENTS, On Deck Capital

FinDEVr begins in just over a week. To be a part of the first fintech event for developers, click here to get your tickets today.

Here is Part Two of our last look at the companies that will demo on Tuesday, September 30. In this installment, we meet:

Part Three is available here. If you missed our first installment, check out Part One here.

And don’t forget to join the growing community of developers, software architects, and engineers on Bizzabo.

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.

Keynote: 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 “air gap” 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 intent 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 secure access key.

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.

Keynote: 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.

Why it’s great for developers:

24/7 Pre and Post-deployment Agg Support
Improve your app UX with unparalleled FI Agg uptime
Come see the launch of the Evented Financial Web

The Finicity API Platform, RESTful Aggregation API and Developer Portal make it EASY to deploy financial apps into the Evented Financial Web ecosystem.

The Mifos Initiative is a 501(c)3 non-profit 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 2.5 billion unbanked.

Our platform is game-changing because we are mobilizing a global community, which is the only way to confront the massive problem we face. Our open source license and community driven approach is unlocking new collaboration and enabling new business models that will allow the financial inclusion sector to scale upward and outward. It enables small institutions to mature and large institutions to reach down cost-effectively in a manner that never could be possible before.

Keynote: Mifos X, Open Technology Platform Unlocking New Opportunities at the Base of the Pyramid

There is a massive opportunity to serve the 2.5B individuals who lack access to financial services. 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.

Mifos X is the world’s only open source technology platform for financial inclusion. Built around an API-centric, cloud-based software architecture, the Mifos X Platform is a modern, connected core banking system for responsible financial services organizations bringing basic financial services to the poor globally.

Our innovative solution consists of a full suite of open technologies to scale the reach of financial inclusion to the 2.5B unbanked, encompassing an open source platform released under the Mozilla Public License 2.0, completely exposed through a full set of open APIs as well as a suite of cloud products and mobile apps on top of the platform. Whether you are an innovator looking to build a brand new fintech solution, an integrator looking to integrate or scale an existing product, a reseller looking to extend, implement, support, or host a feature-rich core banking system, or a financial institution looking for a solution out of the box, Mifos X has it covered.

Mifos X consists of 1) the platform (A RESTful back-end which talks to a MySQL database and is built on the Jersey/Spring/JPA stack) 2) the community app (AngularJS app that provides support for the most commonly used financial inclusion model
s) and 3) RESTful APIs from our platform accessing all the core underlying functionality to enable the community to quickly build their own enterprise grade financial inclusion products/apps on any technology stock.

Workshop: Building Apps for Financial Inclusion on the Mifos X Platform

In this hands-on session, you’ll learn how to quickly build enterprise-grade financial inclusion solutions on top of Mifos X, an open-source cloud-based Java platform providing the common core banking functionality through a full set of RESTful APIs, an AngularJS web app and an Android client.

Why it’s great for developers:

Market-Validated: 75 customers serving 2.5M clients
Open & Community-Driven: Open Source via MPL 2.0
Extensible: Complete platform – RESTful APIs on a modern tech stack

Mifos is the world’s only fully open API-driven platform for financial inclusion providing a technology foundation to reach the 2.5 Billion unbanked at the Base of the Pyramid.

ModoPayments powers better buying experiences with better economics, created by YOU! Using our handcrafted API, any developer can build their own mobile app with the ability to perform in-store purchases at tens of thousands of store locations. Modo powers the payments and tech and you design the experience.

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

Learn about the best kept secret in payments platform APIs: Modo. Modo will show you in 6 minutes or less how to build a better buying experience that entices consumers to spend money, and make you money, with the mobile app of your dreams. Your love mileage may vary.

Workshop: Get Your Hands on Modo

Now you know the secret about how the Modo API can transform buying experiences for your users, audience or customer base, and make real money with your mobile app. Get to this workshop, roll up your sleeves, and build an app you will fall in love with.

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 Score – 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.

Keynote: 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.

Why it’s great for developers

OnDeck’s technology makes the lending process simple, fast & efficient
APIs enable 3rd parties to provide more small businesses with the capital they need when they need it
OnDeck’s technology has enabled the lender to deploy more than $1 billion in capital to small businesses across the U.S.

OnDeck’s technology has enabled the lender to deploy more than $1 billion in capital to small businesses across the U.S.

Click here for Part Three of our look at fifteen companies that will be sharing their innovations at FinDEVr on Tuesday, September 30.

And if you missed our previous editions of our FinDEVr Preview, the links below will help get you up to date.

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FinDEVr Preview: BehavioSec, Bluefin Payment Systems, CardFlight, Cloud Lending, and Concur

By David Penn Posted on September 21, 2014
Categories: BehavioSec, Bluefin, CardFlight, Cloud Lending, Concur, FinDEVr San Francisco 2014

One of the great things about FinDEVr is the way it gives us the opportunity to get to know both new companies and innovators as well as see familiar companies and innovators in new and exciting ways.

To this end, here is the first of three looks at another fifteen innovators who will be taking the stage on September 30, Day One of FinDEVr.

Click here for Part Two. Part Three is here.

Tickets are still available for the first event for fintech developers. Click here to save your spot today. And once you’ve registered, don’t forget to join the community on Bizzabo.

BehavioSec is a leader 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.

Keynote: Realtime Scoring of Behavioural Biometrics via Web Services

Presenting our web & mobile SDK, we deep dove into the back end services and show how easy it is to instrument a web site or mobile app with frictionless behavioral biometrics to add a new layer of security.

In an interactive session we are demonstrating a number of use cases of both real-time scoring and ‘after the fact’ biometrics forensics. We open up the client SDK to show the APIs, file formats, etc. In parallel we expose the typical integration points to see the architecture and the power the backend web service APIs offer developers to represent additional transaction security in a way that suits your organization’s business needs.

Why it’s great for developers:

Frictionless web or mobile fraud prevention via behavioral biometrics
Lite touch integration to deliver a new layer in security for web and mobile platforms

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.

Keynote: Bluefin, Point-to-Point Encryption (P2PE)

Bluefin is the only 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.

Why it’s great for developers:

Your software doesn’t need to be PCI Compliant if you implement Bluefin’s P2PE Solution.
Add P2PE to webpages/applications using keyboard emulation or HID version.

Bluefin is currently the only PCI Council-listed P2PE Solution. P2PE encrypts card data before it reaches your applications and protects card data from malware.

CardFlight is a leading provider of mobile POS technology and tools that makes 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 kits (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.

Keynote: 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. Encryped 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.

Why it’s great for developers:

We provide iOS and Android SDKs and a credit card reader to add swiped credit card payments to your application.
We process transactions through our PCI compliant gateway, eliminating your scope for PCI Compliance.
We integrate with all major processors (Stripe, Braintree, Balanced, etc.)

CardFlight is a leader in credit card payment enablement for mobile. We make it easy to accept swiped credit card payments in your own application, allowing you to keep your merchant provider, branding and customer experience.

Cloud Lending Inc., is an enterprise cloud lending solution provider. Our agile solutions are designed to empower lending businesses to simplify business processes, stay compliant an deb future ready.

Keynote: Cloud Lending Inc. – Enterprise Lending Software

Cloud Lending products enable financial institutions 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.

Why it’s great for developers:

It is end-to-end and supports multiple loan types
It is borrower focused
It addresses regulatory changes in a matter of hours

We run on Salesforce, leveraging both its CRM to track loan status form bid to re-payment and its ability to integrate with other native apps.

Concur is a leading provider of integrated travel and expense management solutions trusted by over 25,000 clients around the globe with over 25 million users. The Concur Platform allows developers to develop and market innovative solutions to the lucrative $1.23 trillion business travel market.

Keynote: Numbers, they don’t lie …

Concur processes more than $55 billion dollars in annual T&E spend for its 25 million customers. In this presentation, Mithun Dhar, Director of Evangelism & Strategic Marketing, will walk us through and give insight into this spend and tell developers why its a great opportunity to tap into this lucrative market.

Why it’s great for developers:

Access to 25 million business travelers
Access to more than 25,000 businesses that use Concur
Insight into over $55 billion dollars of annual T&E spend

Business travel is a $1.12 trillion industry, with U.S. business travelers logging 460M trips a year. The Concur Platform allows you to tap into this lucrative market.

Click here for Part Two of our three-part look at another set of companies that will be presenting and holding workshops at FinDEVr on Tuesday, September 30. For Part Three, click here.

And if you missed our previous editions of our FinDEVr Preview, the links below will help get you up to date.

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FinDEVr Preview: FinancialApps, Avoka, Xero, and InComm

By Julie Muhn (@julieschicktanz) Posted on September 19, 2014
Categories: Avoka, Financial Apps, FinDEVr San Francisco 2014, InComm, Xero

We’ve been helping you prepare for FinDEVr for a few weeks now. Between the presentations, networking, and workshops, there will be a lot to keep busy with during the show, so we wanted to make sure you’re ready.

Today we’re featuring:

Avoka
Financial Apps
InComm
Xero

To join in on the action, you can get your ticket here.

Avoka is a leading customer experience management company specializing in multi-channel customer transactions. Avoka powers customer engagement applications for banking and insurance organizations worldwide, capturing and delivering business-critical customer transactions into back-office systems.

Keynote: Omni-Channel & Social Account Opening In 60 Seconds

Avoka will demonstrate omni-channel account opening through our engagement platform demonstrating

Responsive & adaptive design
Cross-over between channels
Pre-fill from social profiles
ElectID verification
Separation of information capture from core systems to facilitate easy cross-sell.

Workshop: Build An Omni-Channel Account Opening Experience In Under 60 Seconds

Avoka will build an account opening experience in under an hour that Is responsive & adaptive

Supports cross-over between channels
Is integrated to social media for pre-fill
Is integrated to electronic ID verification
Facilitates cross-sell with loose coupling to core systems

Benefits for developers:

Omni-channel digital customer experience
Analytics platform to understand your customers engagement experience that enables;
Speed, agility and rapid decision making

Omni-channel customer experience in days instead of weeks or months.

Financial Apps provides a suite of developer tools and API access for financial account and transactional data. Our solutions help to quickly build the next generation FinApp. The Financial Apps Relevancy Engine helps make data actionable, providing a comprehensive solution for Fintech development

Keynote: Driving the Data to Action

Detailed financial data is the “Big Data” we all want to work with. In this presentation, Financial Apps is showing how its Platform and Relevancy Engine enables developers to access, consume and integrate consumer financial data within their solutions..

Workshop: Get Relevant: Driving Data to Action

The Financial Apps Platform simplifies the way developers build, manage, and scale their applications’ transaction driven components. In this workshop, we will demystify the process of transforming financial data into relevant solutions that can directly consumed by your applications. Learn how to:

Connect to financial data using Financial Apps’ easy to use RESTful based JSON API and developer libraries
Construct complex data aggregations in minutes using Boolean logic with the FA Relevancy Engine Interface
Execute and deliver new datasets at run time speed and make schema changes without system interruptions
Create queries and rules that analyze your data and deliver actionable results and alerts

Benefits for developers:

Broad API providing access to your consumers Financial Data.
Data Modeling and Workflow capabilities integrated within the platform.
Solutions to make data actionable

Currently powering industry leading FinTech applications, The Financial Apps platform and tools are available for integration today! We make data actionable

InComm is the leading provider of prepaid and transaction technologies with 400,000 points of distribution, nearly $ 30 billion annual transaction volume and reaching over 1 billion customers weekly.

Keynote: Cashtie API – Rails for Cash Payments

Cashtie is an API that enables cash payments for bill pay, funding an account and money transfer at InComm’s retail network. The Cashtie API connects to a transaction processing platform and is the rails for cash payments from its partners.

Workshop: Cashtie API – Democratizing Access to Retail POS

In this workshop we are showcasing how we democratized access to the POS (Point of Sales) of some of the largest retailers in the world like Walmart, CVS, Rite Aid, Target, Family Dollar and many more. We are demonstrating how to insert transactions as line items into the customer receipt including validating pre-tender transactions and completing post tender.

We are also presenting various use cases how the Cashtie API is used to digitize cash payments and touch on our different integration methods for developers.

Why it’s great for developers:

Digitizing cash
Democratizing access to large retailers POS
Instantly build retail network for cash acceptance

Use Cashtie to streamline and simplify cash payments.

Xero is beautiful, easy-to-use online accounting software for small businesses and their advisors. The company has over 300,000 paying customers in more than 100 countries around the world. Xero ranks No. 1 by Forbes as the World’s Most Innovative Growth Company.

Keynote: Open for Small Business

Small business is at the heart of every economy. Simple efficiency gains like eliminating data entry or getting paid twice as fast can make or break a business. At Xero we’ve created an open, extensible platform upon which hundreds of developers have created tools and joined our mission to make small businesses all over the world succeed.

Workshop: Building an API driven Ecosystem for Small Business

In this session, you’ll hear how Xero has successfully grown it’s marketplace to over 300 integrated applications. How we’ve structured our developer partner program and built our open API as well as the key lessons we’ve learned along the way.

Why it’s great for developers:

Integrated Accounting
Open API
Successful Partner Program

Xero provides an Open API, with the opportunity for integrated accounting between important small business applications.

If you missed any of the previous FinDEVr Preview posts, check them out below:

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FinDEVr Preview: Eshtapay, EVO Snap*, Intuit Partner Platform, and Xignite

By Julie Muhn (@julieschicktanz) Posted on September 19, 2014
Categories: Eshtapay, Evo Snap*, FinDEVr San Francisco 2014, Intuit, Xignite

In the weeks ahead of FinDEVr San Francisco, we’re taking a closer look at the companies that will share their technology through presentations and workshops on September 30 and October 1.

Today, we have two installments. In the first, we looked a Avoka, Financial App, Incomm, and Xero. In part two, we’re featuring:

There’s still time to pick up your ticket to join in on the first event for fintech developers.

Eshta develops and operates Eshtapay as a financial platform that can act as online payment system, e-wallet, escrow system, and self-service payment terminal back-end. Eshtapay (due to its very flexible architecture) is a Swiss-Army knife for the online banked and unbanked alike.

Keynote: Eshtapay: The Financial Swiss-Army Knife

Eshtapay is directly operated in Ukraine and Egypt and also used online from Dubai to France to power self-service payment kiosks, service vending machines, service marketplaces, and ATMs. With less than 6 months time to market for deployment, Eshtapay exhibits remarkable versatility and efficiency.

Workshop: Eshtapay: 80M People Market Case Study

Eshta CEO Catalin Braescu is offering a detailed break down of the customization and deployment of Eshtapay for the 80-million-person Egyptian market. Expect a colorful presentation, Indiana Jones situations, breakneck deadlines, and a Hollywood happy ending!

Why it’s great for developers:

Suspiciously easy to integrate
Dangerously fast to deploy
Tempting pricing

Your company + Eshtapay = fast access to billions of developing world consumers.

EVO Snap* is a one-stop shop for application integration, merchant underwriting and international payment processing. Our developer platform provides single-integration access to omni-channel payment processing and value-added services through one API – making it easy for developers to support merchants.

Keynote: DIY Offers and Rewards – Closing the Digital Loyalty Loop

Description: Activate and deepen relationships with customers by linking consumer data with payment and marketing services to create customized loyalty programs, card-linked offers and real-time rewards at point-of-sale.

Workshop: DIY Offers and Rewards API – A Look Under the Hood

Get up close and personal with the EVO Snap* Connect offers and rewards API and discover how to integrate offer publishing and card-linked redemption services into your loyalty app. Learn how to leverage pre-built service modules and explore options for making your bank/app portal more valuable to merchants by offering detailed retail analytics. We’ll crack open the API, review available data, and offer up sample code.

Why it’s great for developers:

Simple, fast & easy-to-use payment APIs & integration tools
Simplify merchant activation & approval
Expand your global footprint and EMV readiness

Acquirer, Processor & Technology Partner – All-in-One. EVO Snap* is a one-stop shop for application integration, merchant underwriting and international payment processing.

Intuit Partner Platform (IPP) is an open platform that enables developers to integrate with rich financial and transactional data through REST-based APIs and offers unparalleled reach to millions of small businesses through Intuit Apps.com.

Keynote: The Small Business Opportunity

The importance of small business to the global economy can’t be denied. With 600 million small businesses worldwide, the opportunity to drive their success is huge. Reach millions of small businesses by developing for Intuit QuickBooks Online, an open platform for developers that taps into the power of QuickBooks and the cloud. With partners from Square to American Express to Vend, QuickBooks Online allows Intuit and its ecosystem to simplify the business of life for millions of small businesses.

Workshop: Intuit’s Financial Data APIs: Getting Started With the Best Platform to Connect to Small Business and Consumer Financial Data

QuickBooks Online (QBO) has the largest small businesses audience in the world and the QBO API opens up this valuable market to partners and developers like you. The Customer Account Data (CAD) API is the same API that powers Mint.com giving you access to transaction data from over 19,000 financial institutions. In this session we will review the QBO and CAD APIs.

This session is best for developers looking to serve small businesses and accountants.

Key Takeaways:

What the QBO Platform offers to you as a partner and developer
How to start integrating with the CAD API so you can get started quickly

Why it’s great for developers:

QB Apps.com reaches millions of qualified SMB customers & accountants
You can easily connect your SaaS app to SMBs
Extend the power of QB to handle multiple jobs

Through IPP, developers can extend the power of QuickBooks, join Intuit’
s ecosystem of applications, and tap into millions of existing SMB customers.

Xignite is the pioneer of cloud-based market data APIs & the provider for leading Fintech innovators Wealthfront, StockTwits, Robinhood & Yodlee. Our APIs cover every asset class, market & data type available & are ideal for integrating data into FinTech mobile apps, websites, and platforms.

Keynote: Kick-Start Your FinTech Business with Xignite Market Data APIs

Xignite powers hundreds of breakthrough FinTech apps and platforms – touching millions of investors & finance professionals each day. Learn how Xignite can help you kick-start your FinTech business, fuel your growth, and power your success with our easy-to-integrate financial data APIs.

Workshop: Power Your FinTech Apps with Xignite Market Data Cloud APIs

Come see how easy Xignite makes it to add virtually any type of financial market data into your app and why the top FinTech start-ups are Xignite customers. Get first-hand experience calling Xignite REST APIs for pricing, reference, and historical market data. Novices and experts are welcome; Xignite experts will be on hand to answer any questions and explain basic concepts (i.e. how to call a REST API) and share best practices (i.e. using our open-source SDKs).

Why it’s great for developers:

• Get going now with our special startup pricing

• Get to market first – thanks to our easy APIs

• Huge catalog of market data to fuel your growth

The flagship FinTech companies are winning with Xignite. Shouldn’t you be too?

If you missed any of the previous FinDEVr Preview posts, check them out below:

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Crowdflower Raises $12.5 Million in Funding

By Julie Muhn (@julieschicktanz) Posted on September 19, 2014
Categories: CrowdFlower, Funding

CrowdFlower, the company that uses crowdsourcing for data scrubbing, announced yesterday it raised some cash to help it bloom.

The newest installment, which was led by Canvas Ventures, brings the San Francisco company’s total funding to $28 million. Other investors in this round include Bessemer Venture Partners and Trinity Ventures.

CrowdFlower, which does data work for companies such as Home Depot and Cisco, pays more than 5 million people to contribute to the data scrubbing. Some of the applications include:

Data Collection & Enhancement
Content Moderation
Search Relevance Tuning
Sentiment Analysis

CrowdFlower plans to use the new funds to grow its product and customer base.

To see CrowdFlower demo its newest technology live, come see them at FinovateFall next week in New York. We still have a few tickets left.

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Fintech Fundings: $59 million Raised by 18 Companies in Third Week of September

By Eric Mattson Posted on September 19, 2014
Categories: Funding

Thanks to the $35 million Series-G funding of Finovate alum, Ping Identity, the fintech sector managed to pull in more than $50 million for the week. The 17 recipients of new investor cash included two financial comparison sites, Hong Kong-based CompareAsia which covers a broad range of personal finance products across Asia and Brooklyn-based Zapari, which focuses on U.S. health insurance.

Here are the latest fintech fundings in order of magnitude (fundings from Sep 13 through Sep 19):

Ping Identity

Cloud-based identity management

Latest round: $35 million

Total raised: $110 million

Tags: Security, ID, authentication, Denver, Finovate alum

Source: Finovate

TrueAccord

Automated debt recovery technology

Latest round: $5 million

Totals raised: More than $5 million

Tags: Credit, collections, debt, lending, San Francisco

Source: Crunchbase

Compare Asia Group

Asian financial products price comparisons

Latest round: $3 million

Total raised: $6 million

Tags: Lead generation, personal finance, Hong Kong

Source: Crunchbase

MileIQ

Automated tracking of car mileage for expense reporting

Latest round: $3 million

Total raised: $3 million

Tags: PFM, expense reports, tax deductions, automobile, San Francisco

Source: Crunchbase

SolidX Partners

Connecting financial institutions and institutional investors to Bitcoin

Latest round: $3 million

Total raised: $3 million

Tags: Cryptocurrency, bitcoin, NYC

Source: Crunchbase

Prairie Cloudware

Digital payments technology for financial institutions

Latest round: $2.1 million

Total funding: $3.8 million

Tags: Mobile, payments, Omaha, Nebraska

Source: FT Partners

Gem (formerly BitVault)
Bitcoin platform for developers

Latest round: $2 million

Total raised: $2.1 million

Tags: Bitcoin, cryptocurrency,

Source: Crunchbase

WealthSimple

DIY wealth management using ETFs

Latest round: $1.9 million

Total raised: $1.9 million

Tags: Wealth management, investing, roboadvisor, Toronto, Canada

Source: Crunchbase

Scutify

Social and information network for investors

Latest round: $1 million

Total raised: $1 million

Tags: Investing, news, Twitter, Linked:In

Source: Crunchbase

Koinify

Crowdfunding via cryptocurrencies

Latest round: $1 million

Total raised: $1.4 million

Tags: Bitcoin, cryptocurrency, Mountain View, CA

Source: Crunchbase

Prestiamoci

Italian P2P lending market

Latest round: $580,000

Total raised: $1.3 million

Tags: Lending, credit, crowdfunding, person-to-person, Italy

Source: FT Partners

DipJar

Dedicated tip hardware for physical point-of-sale

Latest round: $420,000

Total raised: $420,000

Tags: Payments, PFM, credit and debit cards, hardware, POS

Source: Crunchbase

CoinPlus

Bitcoin payments and storage

Latest round: $220,000

Total raised: $430,000

Tags: Bitcoin, payments, cryptocurrency, Luxembourg

Source: Crunchbase

Netero

Mobile remittance service provider

Latest round: $150,000
Total raised: $150,000

Tags: Remittances, funds transfer, mobile, payments, Dallas

Source: Crunchbase

QuanTemplate

Reinsurance technology platform

Latest round: Undisclosed

Total funding: More than $2 million

Tags: Insurance, Gibraltar

Source: Anthemis

Delta Data Software

Mutual fund and investing enterprise software

Latest round: Undisclosed

Total raised: Undisclosed

Tags: Investing, enteprise, Columbus, Georgia

Source: Crunchbase

Zipari

Health insurance comparisons

Latest round: Undisclosed

Total raised: Undisclosed

Tags: Insurance, Brooklyn, New York

Source: Crunchbase

Debt funding

Patch of Land (presenting Sep 23/24 @FinovateFall)

Real estate crowdfunding

Latest round: $125,000

Total raised: $1.5 million equity, $125,000 debt

Tags: Crowdfunding, mortgage, P2P lending, Los Angeles, Finovate alum

Source: Crunchbase

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Alumni News– September 19, 2014

By Julie Muhn (@julieschicktanz) Posted on September 19, 2014
Categories: Green Dot, Klarna, PayPal

Green Dot Agrees to Buy TPG for Tax Refund Processing.

PayPal Here now on Android tablets.

Klarna Announces U.S. Team As It Plans For 2015 Launch In The U.S.

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

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Plug Into FinDEVr San Francisco 2014

By Julie Muhn (@julieschicktanz) Posted on September 18, 2014
Categories: FinDEVr San Francisco 2014

Think you’re fully prepared for FinDEVr? Aside from watching some of the top names in fintech present their latest tech and coding alongside others attending the multiple workshops, there will also be plenty of time for networking.

Get a head start by downloading Bizzabo and searching “FinDEVr”. From there, you can see key information about the conference, join the FinDEVr community, and even send in-app messages to other attendees.

This native app is available in the Apple App Store and Google Play Store. There’s also a web app for Windows phones and web interfaces.

After you’ve downloaded the app, search “FinDEVr” and join the community using LinkedIn or the email address you used to register for the conference.

If you haven’t picked up your ticket yet, there’s still time. Get yours here.

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Coinbase Unveils its Open Source Bitcoin API, Toshi

By David Penn Posted on September 18, 2014
Categories: Coinbase

What is Toshi? And how might it put smiles on the faces of developers working to build Bitcoin-related web apps?

Toshi is the result of Coinbase’s exploration into building web applications using Bitcoin Core. A full Bitcoin node, Toshi gives developers access to raw blockchain data, and is 100% compatible with Bitcoin Core. The open source API is written in Ruby and is backed by PostgreSQL.

As explained on the Coinbase Blog, the problem with Bitcoin Core is that while it works well as a reference implementation, Bitcoin Core has its limitations. Specifically, developer struggled to query blockchain data through SQL databases, as well as when trying to scale projects toward the million-user mark over multiple (as in dozens) of servers.

So what can developers do with Toshi?

Read information about blocks, transactions, and addresses
Broadcast new transactions
Receive height and confirmation time stats on the block chain

Coinbase makes a point to say that Toshi is still a v0.1 release, and that developers can expect updates and enhancements to the API in the coming months. More information on Toshi is available here.

Coinbase recently announced that it was now available to European customers in 14 countries. In August, the company acquired blockchain explorer, Blockr.io. And in July, Coinbase launched Coinbase Vault to make it easier for bitcoin owners to securely store their digital currency.

A few Coinbase metrics:

14 countries fully supported
1.6 million consumer wallets
36,000 merchants
6,000 developer apps

Headquartered in San Francisco, Coinbase was founded in July 2012. Brian Armstrong is CEO and co-founded the company with Fred Ehrsam, who serves as President. The company demoed its technology as part of the FinovateSpring 2014 conference in San Jose. See a video of the company in action here.

And if you’re a developer, software architect, or engineer, then visit our FinDEVr page for more information about our upcoming event designed specifically for builders.

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