ETRONIKA’s BANKTRON E-Channels Management Platform Offers a Personalized EBanking Experience with Animated Widgets

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This post is a part of our live coverage of FinovateEurope 2013.

Wrapping up the third session of the day, ETRONIKA showcased its BANKTRON E-Channels Management Platform:
“ETRONIKA’s BANKTRON e-channels management platform enables a completely new approach to the banking and finance industry, which provides front-end users elegant, safe, and secure financial products and services. 
The solution allows financial institutions to offer a highly personalized, attractively simple, and enhanced e-banking experience for its clients across all channels and devices.
BANKTRON makes all delivery channels work seamlessly together as an integrated whole.”
Product Launched: Q2 2013
HQ: Vilnius, Lithuania
Founded: 2000
Metrics: 50 employees, self-funded
Website: etronika.com
Twitter: @EtronikaTweets
Presenting Kęstutis Gardžiulis (CEO & Co-Founder) and Vytautas Šopis (Project Manager)
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Integrated Real-Time News and Data Analytics from Heckyl Technologies

This post is a part of our live coverage of FinovateEurope 2013.
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As we move toward the end of the first afternoon session, Heckyl Technologies is about to take the stage:

“Heckyl FIND 2.0 (Financial In News & Data) is a real-time news and data analytic platform for retail traders and brokerages.
FIND gets integrated with trading terminals to provide high quality information, visuals, heat maps of sentiment, and market data to help traders find the trading opportunities in this fast moving market.
FIND helps you explore new ideas and keep pulse on the current business events/issues. Whether you are a short-term trader, investor, or fund manager, and whether you prefer equities, forex, or commodities, you will find a wealth of information that matters to ‘you’ streaming at your fingertips.
FIND is for retail traders like Bloomberg and Thomson Reuters are for institutions.”

Platform Launched: January 2013

HQ Location: India
Company Founded: December 2010
Website: heckyl.com
Twitter: @iTrake
Presenting Mukund Mudras (Co-Founder) and Som Sagar (Co-Founder)
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Optimizing Data and Information with FreeAgent

This post is a part of our live coverage of FinovateEurope 2013.

Afterwards, FreeAgent showcased its solution that uses data to assess risk: 

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“We are extending the reach of our solution to make much more intelligent use of the data and information that is the life-pulse of a business. Our users will be able to gain insight into the health of their business in real-time, with FreeAgent automatically highlighting performance trends and potential problems in an easy to understand way.
Equally compelling is our capability to make this information available to banks and other lenders, giving them insights into the strength and financial well-being of their customers, with one eye on customer service and another on risk.”

Product Launched: Q2 2013

HQ Location: Edinburgh, UK
Company Founded: April 2007
Metrics: 50 employees; 27,000 paying customers
Website: freeagent.com
Twitter: @freeagent
Presenting Ed Molyneux (CEO) and Kevin McCallum (Business Development Director)
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LeanBanking Introduces figo-API to Unify Finances

This post is a part of our live coverage of FinovateEurope 2013.

Next to the stage is LeanBanking:

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“The figo-API is bringing together banks, payment providers, and financial service providers via one API that is stored in the cloud.
We’re transforming your finances into meaningful and actionable views, categories, budgets, and recommendations by enriching transaction 
metadata.
We’re changing the banking paradigm from a ‘pull’ to a ‘push’ experience.
The figo-API is an off-the-shelf solution for service providers that want to offer bank account related services.”

Product Launched: February 2013

HQ Location: Munich, Germany
Company Founded: August 2012
Website: figo.me
Twitter: @figoapp
Presenting Markus Lüdemann (Founder)
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Trustly Helps You Safely Pay and Get Paid for Goods Sold Online

This post is a part of our live coverage of FinovateEurope 2013.

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Third, Trustly showed how its direct, person-to-person payment solution can help you pay and get paid for items sold online:
“Today there are many payment methods available for the e-commerce market, but there are no solutions solving the pain people experience when buying and selling on electronic person-to-person marketplaces – the risks and hassle of exchanging cash, and in the case of non-local deals where the goods have to be shipped – the risk that the buyer will not receive the goods or the seller will not receive the payment. 
Trustly Direktbetalning removes these pains.
We’ll showcase how people from now on can safely pay and get paid for goods sold on Sweden’s largest marketplace, with an integrated fraud guarantee. Trustly Direktbetalning is a direct person-to-person bank payment solution embedded in the marketplace and does not require its users to learn any new behaviour or sign up to any new feature. It will (thanks to the combination of the following features) revolutionize the way people pay and get paid when purchasing goods from each other:
1. Direct and seamless payments embedded in the marketplace
2. Integrated instant identification – no false identities can be used
3. Fraud guarantee offered to both buyer and seller for complete peace of mind
Trustly Direktbetalning leverages Trustly’s proprietary direct bank e-Payment system. Its first marketplace partner is Blocket.se, Sweden’s largest marketplace with an aggregate value of ads posted in excess of €20B per year. It can, in principle, be embedded into any online marketplace in the world, or offered as a stand-alone service.”
Product Launch: Q1 2013
HQ: Stockholm, Sweden
Founded: April 2008
Metrics: Organically grown, Employees: 35+, Number of payments: 200,000+ monthly
Website: trustly.com
Presenting Carl-Henrik Somp (COO)
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Credit Agricole Launches App Store

This post is a part of our live coverage of FinovateEurope 2013.

Next up to the stage in the first afternoon session is Credit Agricole:

“The Credit Agricole Store is the first European appstore proposed by a bank and where financial apps are co-created between clients and developers thanks to the opening bank APIs.
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‘The Credit Agricole Store provides customers with access to many innovative and unique apps (18 new apps within 6 months), from social apps to video games to full display of account information, to apps for visually impaired customers.
The business model provides financial incentives for external developers to contribute and they join a co-op community based on the roots and values of the group.”

Product Launched: October 2012

HQ Location: Paris, France
Company Founded: 1885
Metrics: Over 100,000 site visits per month in the first three months; 18 mobile apps created; 22 new service ideas generated; bank has 160,000 employees; 54 million customers
Presenting Bernard Larrivière (Director of Innovation) and Emmanuel Methivier (CAStore Manager)
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CR2 Presents Bank Personalization Solution in BankWorld

This post is a part of our live coverage of FinovateEurope 2013.

First up on the stage after the noon break is CR2, who is offering a unique way for financial institutions to get to know their customers better:

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“Today banks have limited opportunities to personalize services across all self-service channels.

CR2 has designed BankWorld with powerful segmentation capabilities, enabling banks to design ATM, Internet, and mobile banking screens, products and services as well as interactive banners that can be delivered to a specific segment of customers and can be accepted instantly.

It allows banks to treat each customer as a unique individual and generate revenue from the self-service channels while improving customer satisfaction with a consistent and relevant offering. BankWorld simply helps turn self-service channels into self-selling channels.”

Product Launched: 1998

HQ Location: Dublin, Ireland
Company Founded: 1997
Metrics: 150 staff, with over 100 banks in 60 countries adopting CR2 solutions, offices in six countries
Website: CR2.com
Presenting Javier Hermida (Senior Consultant) and Kieran Kilcullen (CCO)
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OPENTECH Launches Enhanced Hybrid Apps for Mobile Banking and Payments

This post is a part of our live coverage of FinovateEurope 2013.

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Just before lunch, OPENTECH debuted its Enhanced Hybrid apps:
“At Finovate we are launching a revolutionary approach to mobile finance with our suite of Enhanced Hybrid (TM) apps for mobile banking and mobile payment.
Not happy with HTML5 UX, neither with native app complexity? Enhanced Hybrid is the solution:
•  User experience same as native apps
•  Development “server side” instantly available cross platform
•  Minimized testing effort thanks to a common codebase across all supported devices
•  Multiplatform rollout without additional development costs
•  Change management without publishing a new version on the app stores”

Product Launch: February 2013
HQ: Roma, Italy
Founded: May 2003
Metrics: In the last 4 years revenues have grown from €800K to over €4M. Five out of top 10 banks in Italy chose OPENTECH mobile banking product.
Website: opentech.com
Presenting Stefano Andreani (CEO) and Alessandro Borghini (Head of User Experience)
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Additiv’s add.direct Improves Customer Experience While Keeping Cost Down

This post is a part of our live coverage of FinovateEurope 2013.

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Now, Additiv is demonstrating how its add.direct solution can improve customer experience while lowering cost:
“With add.direct we solve two major issues in banking today:
1. Costs
Add.direct allows for a major step in the industrialisation of banks by automating the mid- and front-office processes. It enables a true end-to-end business process along the complete customer journey.
2. Differentiation in the marketplace
Add.direct allows for a highly improved customer experience along all touchpoints and is the basis for serious 2.0 banking.”
Product Launch: September 2012
HQ: Zurich, Switzerland
Founded: 1998
Metrics: 40+ FTEs, privately held company, self-funded
Website: additiv.ch
Presenting Michael Stemmle (Chairman) and Manuel Thomet (Head, Bank 2.0 Consulting)
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eWise’s MyFin Mobile Banking Solution Combines PFM, Account Aggregation, and eAuthentication into a Single Solution

This post is a part of our live coverage of FinovateEurope 2013.

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Next, eWise brought its MyFin mobile banking solution to the stage:

“The eWise MyFin mobile banking application combines the most powerful elements of PFM, account aggregation, and eAuthentication into a single, integrated solution. 

The groundbreaking functionality of the eWise MyFin application transforms the consumer’s online banking into a simple, fast, and powerful experience that delivers unprecedented value to financial institutions through an integrated ROI engine.”

Product Launch: November 2012
HQ: Redwood City, CA
Founded: 2000
Website: ewise.com
Presenting Alex Grinberg (Founder) and Mark Matthews (Managing Director)
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Kalixa Launches New “Whereever, Whenever” Mobile POS Device

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This post is a part of our live coverage of FinovateEurope 2013.

Midway through the second session of the day, here is Kalixa with a demo of their new m-wallet, Kalixa mpos:

“Kalixa mpos is a new mobile POS device enabling ‘prosumers’ and small businesses to accept payments anywhere, anytime, and anyhow. Kalixa mpos accepts all major debit and credit cards and can be used wherever, whenever. Kalixa mpos is totally seure and can offer businesses next day settlement without contract.
Kalixa is a wallet linked to multiple devices – offering consumers one account, one wallet, one way to pay. As an m-wallet, Kalixa can make P2P and MFC transactions, in-store, online or payment over the phone, as well as offering the ability to withdraw cash from ATMs. With no exchange fees, no commission, no charges, Kalixa is prepaid and easy to load via internet banking, credit/debit card, voucher and direct company payments.”

Product Launched: February 2013

HQ Location: Vienna, Austria
Company Founded: January 2007
Metrics: More than 100 employees from 25 countries. Processes transactions worth 2.7 billion euros annually. Powers 90 of the world’s most popular alternative payment solutions. Serves more than 300 merchants. Has over 150,000 cardholders. Can accept, process, and pay in 32 European countries.
Presenting Kamran Hedjri (Chief Operating Officer) and Chris Ranallo (Software Test Engineer)
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Birdback Unveils Card-linking API Technology

This post is a part of our live coverage of FinovateEurope 2013.

Taking the stage next is Birdback.

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“Our technology platform enables features such as loyalty programs, offers and automatic receipts to run on consumer’s existing payment cards. This is made possible through a simple, plug & play API that retailers and advertisers can easily use to link their applications to payment cards.
Birdback’s API handles security, compliance and privacy aspects of card-linking. Card-linking applications range from traditional cash-back schemes to virtual gaming currency redemption. Birdback is demoing a use-case of its REST API.”

Product Launched: February 2013

HQ Location: London, UK
Company Founded: 2012
Metrics: $0.5 million in capital raised; 8 employees
Website: birdback.com
Twitter: @birdback
Presenting Halim Madi (Business Development Director), Ben Brown (CEO, Vouchacha)
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