ValidSoft Uses “SMART” Technology to Protect Mobile Payment and MBanking Transactions

By Julie Muhn (@julieschicktanz) Posted on
Categories: FinovateSpring 2013, ValidSoft
This is a part of our live coverage of FinovateSpring 2013.

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Then, ValidSoft took the stage to demo its Secure Mobile Architecture for Real-time Transactions, SMART:

“ValidSoft’s SMART platform caters for the disparity in mobile networks and devices, use cases and the corresponding transactional risk intrinsic in mobile payment applications. SMART achieves this by providing a layered architecture of voice and mobile network‐based security protocols and technologies, both visible and invisible, to protect mobile payment and M‐banking transactions alike.”

Product Launch: February 2011
HQ: London, United Kingdom
Founded: 2003
Website: validsoft.com
Twitter: @ValidSoft
Presenting John Petersen (Global Head of Business Development) and Emmanuelle Filsjean (Global Head of Marketing)

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Cymonz Enables Financial Institutions to Integrate Currency Exchange and International Payment Services Into Their Platform

By Julie Muhn (@julieschicktanz) Posted on
Categories: Cymonz, FinovateSpring 2013
This is a part of our live coverage of FinovateSpring 2013.

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Next, Cymonz demoed how its software can enable financial institutions to integrate currency exchange and international payments services into their platform:
“The Cymonz application includes a client transactional website and the back office management application with specific currency and international payment business processes, customization and integrations. The application addresses a wide spectrum of needs, including client management, currency transactions, risk management, settlements and compliance. 
Cymonz integrates with third party applications and can be configured to allow for liquidity, payments, customer service as well as anti money laundering, marketing and support tasks. 
iOS and Android applications are also available along with the ability for you to white label your currency application and provide it to your partners to increase currency and payment flows.”  
 
Product Launch: July 2012
HQ: Christchurch, New Zealand
Founded: January 2012
Website: cymonz.com
Presenting Simon Lynch (CEO)

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Mortgage Harmony Presents HarmonyLoan Central with Loan Retention Software

By David Penn Posted on
Categories: FinovateSpring 2013, Mortgage Harmony

Thumbnail image for MortgageHarmonyLogo.jpgThis post is part of our live coverage of FinovateSpring 2013.

Targeting mortgage, auto, student, and commercial loans, Mortgage Harmony is coming to the stage with their HarmonyLoan technology.
“HarmonyLoan Central is the client-branded, consumer web-interface for borrowers to access their HarmonyLoan. The Loan Retention Software (LRS) eliminates a traditional refinance. With one click and an e-signature, a borrower resets their rate, incurring zero closing costs, with no credit check, or underwriting, all in minutes. The FI has no back office processing costs, increases retention, at a premium yield. The servicer reduces portfolio churn, and the originator creates a recurring revenue stream. In other words, everyone wins.”
Product Launched: September 2012
HQ Location: McLean, Virginia
Company Founded: December 2008
Metrics: More than $1.5 million raised; 8 employees; 12 customers
Twitter: @harmonyloan
Presenting Keith Kelly (CEO) and Ray Crosier (President)

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Allied Payment Network Introduces the First Mobile Point, Shoot and Pay App for Smartphones

By David Penn Posted on
Categories: Allied Payment Network, FinovateSpring 2013

Thumbnail image for AlliedPaymentLogo.jpgThis post is part of our live coverage of FinovateSpring 2013.

Applying emerging bill pay technologies to the financial industry, here’s Allied Payment Network with Picture Pay.
“Allied’s Picture Pay is the nation’s first mobile bill payment application that enables financial institutions’ customers to pay bills using the camera on their mobile device. With Picture Pay, users simply take a picture of the bill, enter the amount and date, and the bill is paid.
Picture Pay’s technology does the rest by reading the data from the bill, then syncing with the customer’s bank or credit union to process the payment. Additionally, Picture Pay can automatically add a new biller to the user’s online banking system, eliminating the hassle of entering the payee and account information online.”
Product Launched: January 2013
HQ Location: Fort Wayne, Indiana
Company Founded: August 2010
Metrics: 12 employees
Twitter: @AlliedPayment
Presenting Ralph Marcuccilli (President) and Steve Paradine (SVP Sales)

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SeedInvest Helps Entrepreneurs and Angel Investors Find Small Business Futures to Fund

By David Penn Posted on
Categories: FinovateSpring 2013, SeedInvest

seedinvestlogoblack.jpgThis post is part of our live coverage of FinovateSpring 2013.

Want a piece of the action as high-quality start-ups and small businesses seek funding? SeedInvest is up next with a demonstration of their new crowdfunding platform.

“SeedInvest is demonstrating its state-of-the-art, equity-based, crowdfunding platform and a number of groundbreaking features including:
Due Diligence Dashboard
  • Virtual Diligence Session
  • Permission-based Dataroom
  • Diligence Board
Simple Invest
  • Instant Identity Check
  • Legal Docs Execution
  • Streamlined Funds Transfer
Virtual Boardroom
  • Virtual Board Meetings
  • Easy Reporting
  • Quick Signatures”
Product Launched: February 2013
HQ Location: New York, New York
Company Founded: January 2012
Twitter: @seedinvest_co
Presenting Ryan Feit (CEO & Co-Founder) and James Han (Co-Founder)

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Arxan Helps Defend Financial Institutions’ Mobile Apps Against Fraud, Malware, and Unauthorized Access

By Julie Muhn (@julieschicktanz) Posted on
Categories: Arxan Technologies, FinovateSpring 2013

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This is a part of our live coverage of FinovateSpring 2013.
Then, Arxan Technology demonstrated how its Mobile App Integrity Protection products defend financial institutions’ mobile apps:

“Arxan’s Mobile Application Integrity Protection products deliver critical defense and shielding at the application layer with static and active self-defend and tamper-proof attributes. By deploying Arxan protected apps, financial institutions can launch advanced and feature-rich mobile financial services with confidence. 

Our state-of-the-art ‘Guards’ are small units of object code that “lockdown” applications with multiple and performance sensitive protection against attacks such as: malware, fraud, data breach repackaging, unauthorized access, IP theft, removal of security or critical business logic; all of which would have significant consequences for financial institutions.” 

Product Launch: January 2012
HQ: Bethesda, MD
Founded: January 2001
Metrics: Arxan has raised $30M to date; HQ is in the U. S. with global offices in EMEA and APAC 
Website: arxan.com
Twitter: @arxan
Presenting Kevin Morgan (CTO & VP Engineering)

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PayNearMe Launches White-Label Offering

By Julie Muhn (@julieschicktanz) Posted on
Categories: FinovateSpring 2013, PayNearMe
This is a part of our live coverage of FinovateSpring 2013.

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Second up this afternoon, PayNearMe launched a white-label offering of its cash-payment service for the underbanked:

“Powered by PayNearMe is a white-label treasure services product that any financial institution can offer to their merchants to enable them to accept cash payments from consumers at thousands of 7-Eleven and ACE Cash Express stores nationwide.”

Product Launch: May 2013
HQ: Sunnyvale, CA
Founded: May 2009
Website: paynearme.com
Twitter: @paynearme
Presenting Danny Shader (CEO & Founder) and John Minor (VP Product Management)

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Curaxian Analytics Helps Merchants and Processors Manage the Economics of Risk

By David Penn Posted on
Categories: Curaxian, FinovateSpring 2013

Thumbnail image for CuraxianLogo.jpgThis post is part of our live coverage of FinovateSpring 2013.

Leading off our first session after the noon break is Curaxian, presenting their fraud risk management solution.
“Curaxian Analytics is a software service that helps merchants or processors quickly identify fraud attacks and build better rules that find the optimal balance between stopping fraud, protecting good orders, and minimizing manual review volume. It also helps merchants and processors reduce authorization declines and control interchange costs.”
Product Launched: March 2012
HQ Location: San Francisco, California
Company Founded: January 2012
Metrics: 70 merchants; $110 billion in risk managed; 34 countries
Website: curaxian.com
Presenting Mitch Muroff (CEO) and Jane Cloninger (Associate)

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Placecast Presents the ShopAlerts Wallet for Location-Based Offers Keyed to Mobile Payments

By David Penn Posted on
Categories: FinovateSpring 2013, Placecast

placecast_logo.jpgThis post is part of our live coverage of FinovateSpring 2013.

Finishing up the second session of Day Two of FinovateSpring is Placecast, developers of location-based marketing and loyalty programs for mobile operators and payment companies.
“The ShopAlerts Wallet combines Placecast’s expertise in location-based marketing with the latest innovations in mobile commerce. Built in HTML5, the Wallet works on all smartphone platforms and offers customers a first-ever turnkey solution for launching personalized, location-based mobile offers tied to mobile payments. There’s no app to build for marketers, and no app for consumers to download. Unlike other mobile wallet offerings, Placecast offers the Wallet as a white-label solution specifically built for credit card companies, mobile operators, and retailers.”
Product Launched: 2012
HQ Location: San Francisco, California
Company Founded: 2005
Website: placecast.net
Twitter: @placecast
Presenting Alistair Goodman (CEO) and Raymond Schachle (Business Leader, Visa)

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Refundo Launches Mobile App

By Julie Muhn (@julieschicktanz) Posted on
Categories: FinovateSpring 2013, Refundo

RefundoLogo.jpg

This is a part of our live coverage of FinovateSpring 2013.
Next up this afternoon, Refundo launched its mobile app:

“Refundo’s Mobile App creates an opportunity to transition millions of underbanked and unbanked households into the financial mainstream by enabling them to open an FDIC-insured bank account using just a smartphone. 

The Mobile App features account balance, debit MasterCard, transaction history, and a network of tens of thousands of ATMs and deposit locations across the U.S., and more. From the beginning, the Mobile App was designed to deliver the best user experience, security, and convenience in mobile banking.”

Product Launch: May 2013
HQ: Elizabeth, NJ
Founded: June 2011
Website: refundo.com
Twitter: @refundo
Presenting Roger Chinchilla (CEO)

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IntelliResponse Unveils its Virtual Concierge for Websites, Mobile Apps, and Social Media

By David Penn Posted on
Categories: FinovateSpring 2013, IntelliResponse

Thumbnail image for IntelliResponse_logo.jpgThis post is part of our live coverage of FinovateSpring 2013.

IntelliResponse is up next with their Enterprise Virtual Agent solution for the enterprise.
“The IntelliResponse Virtual Agent solution delivers a single, accurate, and approved answer to self-service questions posed across a wide array of customer interaction channels, including corporate websites, voice and text-enabled mobile applications, social media platforms, and agent desktops.
With the addition of voice recognition technology, the IntelliResponse Virtual Agent solution enables mobile users to simply ask their questions in a natural conversational style and receive one right answer wherever they are.
With IntelliResponse’s voice of the customer analysis tool, banks and other financial service institutions can intelligently organize the millions of customer questions in theme clouds to be able to quickly identify trends, ideas for campaigns, and more.”
Product Launched: April 2013
HQ Location: Toronto Ontario, Canada
Company Founded: 2000
Metrics: Under 100 employees; 155 enterprise customers; more than 365 live customer-facing deployments
Twitter: @IntelliResponse
Presenting David Lloyd (CEO)

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Credit Sesame Launches Goals Feature and Visual Mortgage Comparison Tool

By Julie Muhn (@julieschicktanz) Posted on
Categories: Credit Sesame, FinovateSpring 2013
This is a part of our live coverage of FinovateSpring 2013.

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Then, Credit Sesame launched its goals feature and new mortgage comparison tool:
“In the market for a new home? Get a complete analysis of your financial profile to understand what you can afford from discovery to decision. Easily find properties in your area that match both your requirements and your budget. Receive offers from multiple lending institutions and easily compare them to determine the right one for you. Make sure you’ll get the best mortgage rates by monitoring your credit for free on the go.
It’s the one mobile app that provides the information, analysis, advice and offers you need for every important financing decision.”
Product Launch: May 2013
HQ: Mountain View, CA
Founded: January 2010
Metrics: Number of accounts: 2M+; Loans under system management: $60B+; Total annualized savings identified for users: $600M+; Number of employees: 32; Money raised: $19.35M 
Twitter: @creditsesame
Presenting George McMullen (Director, Mobile Products)

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