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Finovate Blog
Tracking fintech, banking & financial services innovations since 1994
Community banks and credit unions have long been the cornerstone of local economies. As technology and consumer preferences evolve, however, so must their revenue strategies.
Today’s Streamly video highlights a conversation I had with Rob Thacher, CEO at BankShift, a banking-as-a-service platform. During our conversation, Thacher and I discussed embedded finance, leveraging data to create personalized products, fintech partnerships, subscription services, and BankShift’s Brand on Banking.
BankShift built a business model all around the credit union space because they give dividends back to their members. And so we built a Brand on Banking ecosystem that enables community banks and credit unions to be different and have a new revenue stream. Financial institutions can embed their own technology inside that brand for revenues, for loyalty, and control.
BankShift creates a digital banking platform that helps community banks and credit unions generate new revenue streams, enforce control, and build loyalty. The company’s SDK provides low-code tools that help financial institutions create a branded, a unified app with a single login and a money transfer tool. The Oregon-based company was founded in 2020.
A look at the companies demoing at FinovateFall in New York on September 9 and 10. Register today using this link and save 20%.
BankShift
BankShift is a brand-on-banking ecosystem for digital banking platforms, crafted by humans with experience in digital-first and data-driven innovations from leading financial institutions and brands.
Features
Leverage free API gateway for real-time vendor monitoring
Elevate operations and engagement with intuitive web admin portal
Scale platform with patent-pending branding technology
Who’s it for?
BankShift harmonizes brands with banking technology, enabling community banks and credit unions to seamlessly embed their digital banking ecosystems within a brand’s app to create new revenue streams.
Carrington Labs
Carrington Labs empowers financial institutions with explainable AI solutions to enhance credit risk scoring and loan limit recommendations, driving more informed and inclusive lending decisions.
Banks, credit unions, payment providers, and financial institutions focused on unsecured consumer lending.
Delfi Labs
Delfi Labs is a financial technology company that provides an AI-enabled SaaS copilot to help enterprises of all sizes protect themselves from financial market volatility.
Features
Non-generative AI, Oracle: provides actionable strategies in minutes
Risk analytics, Overwatch: offers advanced simulations for markets, balance sheets, and securities
Delivers powerful yet intuitive dashboard
Who’s it for?
Delfi’s initial focus is to serve community banks, credit unions, and financial asset managers in optimizing their balance sheets and structuring risk management strategies in real-time.
Odynn
Odynn is an embedded fintech, AI/ML, loyalty optimization program management platform for travel tech. Odynn has re-imagined customer loyalty while generating significant revenues for its partners.
Features
Delivers next-gen program management platform (holistic travel portal)
Offers live pricing in points, miles, and cash, for every major travel loyalty program
Generates personalized redemption recommendations for end users
PointChain is an intelligent risk management platform designed to bring proactive compliance and risk controls to the forefront. They are focused on delivering real-time transaction monitoring and regulation filings.
Features
Illustrates real-time transaction monitoring
Highlights how a bank can deal with a flagged transaction (Request for Information)
Includes intelligent SAR/CTR Filings
Who’s it for?
Banks, credit unions, credit card companies, and financial service providers who are required to implement and adhere to stringent BSA and AML policies.
Speakeasy
Speakeasy enables fintechs and financial institutions to grow API user adoption and streamline integrations with auto-updated robust SDKs, Terraform providers, and documentation.
Features
Accelerates integrations with SDKs
Prevents breaking changes with testing
Guarantees consistency with governance
Who’s it for?
Any company working in the financial space that has an API — whether available to the public or for private, internal company use only.
Zingly.ai
Zingly.ai empowers businesses to deliver value across the entire customer journey by seamlessly blending data, GenAI, and humans in persistent digital spaces for personalized, lasting relationships.
Features
Creates persistent digital spaces for ongoing, personalized customer interactions
Delivers seamless integration of data, GenAI, and human touch
Offers goal-oriented GenAI for acquisition through support and upsell
Who’s it for?
Zingly.ai serves businesses from Fortune 500-scale to SMBs in banking and financial services.
