Finovate Alumni News– July 31, 2013

  • Netbanker: BBVA Compass bundles microbiz checking with PAYware mobile card processing.
  • FIS brings mobile, eBanking, remote capture and more to Sterling Bank.
  • GoBank announces plan to promote its mobile-first bank account in more than 500 Barnes & Noble bookstores on college campuses.
  • Pymnts.com interviews Allen Friedman of TSYS Acquiring Solutions on the role of EMV in a cardless world.
  • NYT features how LearnVest is bringing financial planning to the masses.
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.

BBVA Ventures Investment to Help SumUp’s South American Expansion

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SumUp is coming to America – one hemisphere at a time.

The European mobile payments company is expected to reach South American shores by the end of the year, according to a report in TechCrunch published today.

News of the expansion comes as SumUp announced receiving funding from BBVA Ventures, the venture capital wing of Spanish bank, BBVA. The amount of BBVA’s investment was undisclosed, but it is believed to be part of the larger investment of more than $20 million announced by SumUp in May. That round included participation by investors ranging from American Express to Groupon to Tengelmann Ventures.

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Funding from BBVA will contribute toward SumUp’s growth into South America, as well as help extend the brand in European countries like Spain and Portugal, where BBVA is strong. SumUp also recently announced expansion into Russia.
Both BBVA and SumUp are alumni of FinovateEurope 2013, held earlier this year in London. BBVA demoed Stockbuzz.es, technology that analyzes Twitter data for clues to market sentiment. SumUp presented its mobile payments solution, which makes it easier for small businesses to accept card payments.
See BBVA’s presentation here. SumUp’s demo is available here.

Judges Name BBVA and Fidor Bank AG Two of Four Winners of the 2013 Bank Innovation Awards

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We recently returned from the Bank Innovation conference in San Francisco, where the 2013 Bank Innovation awards were presented on Monday afternoon.

A panel of judges selected BBVA and Fidor Bank AG as 2 of 4 companies whose innovations made a difference in 2012.

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BBVA won for its BBVA Game that uses gamification to incent clients to use its banking services. Elements of the game include points, badges, and a leaderboard that come together in a virtual economy. In the 6 months since its launch, more than 100k customers have signed up. Watch the demo video of BBVA debuting its new Stockbuzz program at FinovateEurope 2013.

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Fidor Bank AG
Fidor Bank AG won for Like-Zins, a user-generated interest rate program. For every 2,000 Facebook likes that Fidor receives, it raises the interest rate on FidorPay checking accounts by 10 basis points per year (with a cap of 15% per year). So far, the Facebook community has increased the accounts by 50-70 basis points. Fidor demoed at FinovateEurope 2011.

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Also among the winners are:

  • Long-time Finovate sponsor The Bancorp Bank, which is the financial institution that backs both Moven and Simple.
  • SaverNation, a company that helps users fund their retirement by saving small percentages of their normal purchases.

See Bank Innovation’s full coverage of all of the winners here.

Three Finovate Alumni Make Top Ten Mobile Banking App List

SimpleLogo.jpgLooking for the best in fintech innovation? According to American Banker, there’s a Finovate alum (or three) for that.

Simple, Pageonce, and BBVA Compass were featured in a slide show highlighting the “top ten most progressive mobile banking apps.”

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How did these three make American Banker‘s short list? According to the reviewers, “account application features, design, and ease of use” were among the main factors that helped distinguish the top ten (including these three Finovate alumni) from the rest of the mobile banking app field.
Watch Simple’s most recent Finovate demo here. And Pageonce’s presentation at FinovateSpring 2010 is here

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BBVA debuted stockbuzz.es on the Finovate stage in London at FinovateEurope in February.  Take a look at our Live Blog post from the event here.

Finovate Alumni News– March 1, 2013

  • Finovate-F-Logo.jpgMetaforic’s self-defending software immune system named the Gold winner by Info Security Products Guide’s 2013 Global Excellence Awards.
  • Worldwide Insure names Expensify the February Travel App of the Month.
  • TIO Networks expands Services with First Data’s Money Network Prepaid Services.
  • Bloomberg Television interviews Klarna CEO Sebastian Siemiatkowski.
  • CashStar co-founder, CEO David Stone to lead panel on mobile shopping and gifting at Prepaid Expo.
  • AEGON Turkey insurance sales processes go mobile with Figlo tablet solution.
  • Lending Club appoints former Visa President as Director.
  • Apps from BBVA Compass, Pageonce, and Simple highlighted in American Banker’s list of the top ten, most progressive mobile banking apps.
  • My Money Blog reviews Jemstep Portfolio Manager.
  • Co-founder and CEO of Birdback, Nicolai Watzenig named guest speaker at eDeal Summit.
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.

Finovate Alumni News– February 28, 2013

  • Thumbnail image for Finovate-F-Logo.jpgMasterCard to deploy Mobile PayPass technology in Brazil, the company’s first NFC payment project in Latin America. 
  • Social Commerce Today takes a look at Azimo and the multi-billion dollar remittance market. 
  • Woopra, the customer analytics blog, profiles BillFloat
  • BBVA Compass picks Keynote’s DeviceAnywhere platform for mobile app testing. 
  • Kashoo announces “flash sale” for its iPad accounting app. 
  • Mobile Payments Today highlights the Pay Anyone app from Pageonce
  • Comarch invests PLN 1 million in a bid to strengthen its customer support services.
  • Wired magazine features Acuity Systems’ Harlan Hutson talking about authentication and moving beyond the digital wallet.
  • Efigence-implemented Alior Currency Exchange wins best innovation of the year award for 2012 from Polish Academy of Sciences and editors of Business Forum magazine.
  • BBVA named Model Bank of the Year by Celent.
  • ShopKeep POS wins Stevie Award for Best customer service.
  • Fortune 100 company chooses Taulia to provide extensive invoicing capabilities.
  • PaySimple launches starter promotional pricing to help newer companies grow and manage their businesses.
  • TESOBE’s Open Bank Project organizes FinTech hackathon in London on the 19th of March at Level39.
  • Doxo introduces provider online bill pay and view.
  • PayPal expands relationship with Coinstar to add coins or dollars into or withdraw money from their PayPal accounts.
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.

FinovateEurope 2013 in the Press

Here’s a look at some of the press coverage we received from FinovateEurope last week:

AllFacebook
Money-Transfer Service Azimo Integrates with Facebook
By David Cohen
American Banker

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Cardlytics Brings Offers, Rewards to Bank Customers on Facebook
by Mary Wisniewski
True Office, Thomson Reuters Partner to Offer Gamified Compliance Apps
by Mary Wisniewski

Backbase blog
Backbase Unveils Amazon-like Digital Marketing Module at FinovateEurope 2013
by Prue Duggan

Bank Marketing Strategy
Moven From Mobile Banking to Mobile Money
by Jim Marous

Bankier.pl
mBank idzie za ciosem i pokazuje kolejne nowości
by Michał Kisiel 
Nowy mBank zapowiada mOkazje i przelewy wysyłane jak wiadomości

Banking Technology
Finovate Europe sees arrival of the Old Guard
by David Bannister
Temenos debuts LiveDesigner at Finovate Europe
by David Bannister

BankNXT
Finovate Europe 2013: Bank to the Future
by Auke Douwe

Berliner Morgenpost
SumUp will traditionelle Kassen abschaffen
by Jürgen Stüber

Computer World
Gamification trend could save banks from huge compliance fines
by Matthew Finnegan

Credit Union Times
Mobile Banking by Voice Next Up? Print Preview 
by Robert McGarvey

Datamonitor 
Finantix takes mobile banking to the next level

Ebests.com
Fresh from a $30m funding round, Kabbage looks beyond the US to launch its loans platform for UK SMEs
by Paul Sawers
SumUp demos its latest mobile-payments tech for Europe: Order a coffee simply by saying your name
by Paul Sawers
El Economista
BBVA participa en FinovateEurope entre ´startups´ europeas
El País blog
Móvil y banca en España
by Álvaro Martín Enríquez
Financial Times
Eye-opening options
by Peter Williams
Money app aimed at Facebook users
by Duncan Robinson
Triumph of technology
by Peter WIlliams
Finextra
Moven gears up for launch
Temenos unveils LiveDesigner tool for Web application development
The Currency Cloud API integrated into Salesforce and Sage 50
Forrester blog
Finovate Europe 2013: Bank to the Future
by Auke Douwe Veenstra
Finovate Europe 2013: Digital Financial Innovation
by Benjamin Ensor
FX-mm
The Currency Cloud’s unique cross-border-payments-a-service capability available for leading enterprise software 
GoMo News
UK startup debuts mobile money app for Facebook
by Dave Evans
ICT journal
Huit innovations financières primées à Finnovate
by Hélène Lelièvre
Temenos étend sa gamme de solutions pour l’expérience utilisateur
by Bastien Brodard
Intelligent HQ
#Finovate NOW a new generation of Social Bankers
by Hayden Richards
FinTech News: #Finovate, #Gamification trends
by Hayden Richards
International Business Times
Sharing Money On Facebook Just Got Easier: Should Banks And PayPal Be Worried?
by Christopher Zara
Mapa Research
Finovate Day One Round Up
by Paul Merry
Finovate Day Two
by Joshua Grant
Money Marketing
Ian McKenna: New tech will drive down costs
by Ian McKenna
PandoDaily
Moven gives sneak peek of new mobile banking app
by Hamish McKenzie
Payments Journal
Kabbage Extends Its Small Business Funding Model To the UK
Payments Source
Cardlytics Searches for Issuer Adoption on Facebook
by John Adams
PR Web
Meniga Awarded its Second “Best of Show” Trophy at Finovate
Programmable Web
Integrate Cross-border, International Payments Processing with Currency Cloud’s XBPConnect API
by Eric Carter
Puls Biznesu blog
Taki będzie Nowy mBank
by EUGENIUSZ TWARÓG
RFP Connect
SAGE SA To Introduce BlackSwan Financial Platform at FinovateEurope 2013
Shiny, Shiny
Azimo lets you transfer money to your Facebook friends
By beccacaddy
Tamebay
Ezbob to expand to the US
By Chris Dawson
Kabbage announces UK launch at Finovate EU
by Chris Dawson
TechCrunch
Kabbage Brings Data-Focused Online Merchant Lending To The UK
by Leena Rao
Social Money Transfer Service Azimo Adds Facebook Integration To Squeeze Western Union
by Steve O’Hear
Telegraph
Now you can use Facebook for international currency transfers
By Justin Harper
The Next Web
Cardlytics’ transaction-linked ads for bank statements to get Facebook integration, as EU launch nears
by Paul Sawers
Open Bank Project aims to bring financial transparency to organizations with an API and Web 2.0
by Paul Sawers
P2P FX platform CurrencyFair announces $500m of transactions so far,
and vies fo $1bn in 2013 alone
By Paul Sawers
SumUp demos its latest mobile-payments tech for Europe: Order a coffee simply by saying your name
by Paul Sawers
TICBeat
BBVA triunfa con Stockbuzz, una app que analiza el IBEX35 en Twitter
by Miriam Castellanos
Travolution
Azimo claims first with Facebook funds transfer service
By Travolution
VentureBeat
Kabbage brings its quick fix loans to UK merchants
by Christina Farr
Thanks to everyone who came and helped make this year’s FinovateEurope the biggest yet.
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We will continue to add to this list throughout the next few weeks as new coverage is published. If we are missing press coverage or if you would like to add to the list, please contact julie@finovate.com with the link.

BBVA’s New Tool Uses Twitter Sentiment to Analyze Stock Market Behavior

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

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The final demo for the first session today is BBVA, who showed how its tool can assess whether views of the stock market expressed in Twitter correlate with actual market behavior:

“To find out if the “market sentiment” expressed in Twitter is correlated with actual market behavior, we at BBVA have launched Stockbuzz (www.stockbuzz.es). This is a site where the user can view the sentiment that Twitter users feel on the Ibex 35 and the securities that make up the index, and compare it with their actual share price on the stock exchange. 

The website is user friendly, easily understandable and attractive. It shows graphs and data based on the information that is posted on Twitter, but also promotes interaction with this social network, as it contains a section where site visitors can leave their own messages on the analyzed stocks.”

Product Launch: December 2012
HQ: Madrid, Spain
Founded: January 1857
Metrics: 117,500 employees, over 30 countries, more than 47M customers, 900,000 shareholders
Website: bbva.com 
Presenting Jose Antonio Gallego (Head of Open Innovation) and Marisol Menendez (Open Innovation Manager)
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Finovate Alumni News– January 24, 2013

  • Thumbnail image for Thumbnail image for Thumbnail image for Finovate-F-Logo.jpgThe WSJ looks at angel investing via SecondMarket.
  • BOKU announces mobile payments partnership with U.S. Cellular.
  • In 4Q 2012, peerTransfer partnered with 51 schools. Over 25% of international students in the U.S. can pay their education expenses using peerTransfer.
  • TSYS announces partnership with Priority Payment Systems.
  • Jim Offerdahl appointed as new Bazaarvoice CFO.
  • Credit Agricole is the first bank in Portugal to provide contactless cards.  See their demo at FinovateEurope in February!
  • Keynote offers free mobile testing via DeviceAnywhere.
  • American Banker reports: Iowa Bank Creates Digital Identities from Fingerprints & Photos using TASCET’s Financial ICONN software.
  • VentureBeat reports BBVA pools $100 million fund to invest in fintech startups. Come see BBVA’s live demo at FinovateEurope.
  • Credit.com announces “best balance transfer card” as part of Best Credit Cards in America series.
  • TrueOffice announces $3 million raised in Series A financing.  Catch their demo at FinovateEurope in February.
  • Access Development launches “Savings Across America” customer incentive product.
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.

Finovate Alumni News– January 21, 2013

  • Thumbnail image for Thumbnail image for Thumbnail image for Finovate-F-Logo.jpgAndroid Does takes a look at the latest update to Pageonce Money & Bills app.
  • ACI Wordwide announces winners of its Excellence Award for 2013.
  • Forbes considers Movenbank’s view of online reputation. See Movenbank demo live at FinovateEurope February 12 and 13.
  • The Des Moines Register takes an inside look at Ben Milne’s thoughts on the future of Dwolla.
  • SafetyPay announces record growth: Number of transactions in 2012 increased 149% over 2011, the dollar value of transactions increased by 88.5% in 2012 over 2011.
  • BBVA announces mobile RDC for iPhone. Come see BBVA demo its new tech at FinovateEurope in London.
  • Lending Club issues the 100,000th loan on its lending platform.
  • Credit.com‘s “Credit Cards” app now available on Google Play.
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.

FinovateEurope 2013 Sneak Peek: Part 1

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For our first ever two day FinovateEurope conference, we’ve selected 64 of the most innovative companies in fintech to demo their newest technology to an audience packed full of banking executives, press, analysts, bloggers, and more.
Each company provided a sneak peek of what they’ll demo next month. Below is the first installment of these teasers. We’ll have more next week.
Don’t miss your chance to see the live demo from each company and be a part of our FinovateEurope conference at Old Billingsgate Market Hall in London on February 12 and 13. Get your ticket here.
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Mobile devices are rapidly taking place of credit cards and visits to the bank. How can you have confidence that the user on the other end of that high value transaction is who they say they are? TraitWareID
So why not learn more about a comprehensive authentication solution specifically configured for applications with mobile users that offers a versatile, single, integrated approach that does not require additional hardware?

Innovation type: Identity, payments, security

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Everyone knows the importance of social networks in the financial world. Millions publicly discuss their experiences with the different brands they interact with throughout the day. It also applies to the financial markets. Investors, large or small, share their views on the main market securities and how emerging news influences their trading. 
And of all the social networks, Twitter is probably the most widely used for this type of analysis. But, is there any chance to analyse the conversations about stocks and to obtain a sentiment? We will show you that is possible.

Innovation type: Online

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Biletu is the new way to organise events and share expenses between friends, family and colleagues.
Innovation type: Mobile, PFM, Rewards

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Cardlytics is a real-time marketing and analytics platform that enables over 350 banks globally to bring profitable, targeted rewards to their consumers. Cardlytics’ latest innovation is an integrated Facebook app, containing a rewards summary page showing a customer their available offers. Launching in 2013, this will allow banks to have a meaningful and valuable customer conversation in social. 
Watch as we demo creating the Facebook-to-Customer relationship, preserving customer privacy through our patent-pending OPS & OMS systems. Once the link is made we will demonstrate the targeted rewards and savings earned for a customer through the Facebook interface.

Innovation type: Mobile, online, rewards

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Comarch will showcase two solutions, which work together guiding customers from the interpretation of their transactions to suggestions of products and services that can really help them improve their financial standing. Comarch solutions use multiple motivation techniques to help customers achieve financial fitness through sound personal finance management.
Innovation type: Investing & asset management, mobile, PFM

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Dashlane, winner of Best of Show at FinovateFall in NYC 2012, will demo their core technology: a consumer app (desktop and mobile) that enables users to instantly checkout, login and fill forms in a flash universally on every website and every device, without the need for any site-side integration with merchants whatsoever. 
In addition to being a secure personal data management tool and the “point of payment choice” for users, Dashlane offers financial services and ecommerce partners a privileged seat next to the user during all their online transactions.
Innovation type: Payments, security

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Big Data. Pretty much the two words that are on everyone’s lips, but much harder to actually put into action… until now, that is. 
ERN will show you how our unique, big data technology platform brings together card payment and merchant data in real time. Using that data and insight, we’ll show you how (at last) you can intelligently target loyalty programs and marketing campaigns effectively. Better still, there’s even a smartphone app to deliver your customers eReceipts and mCoupons.
We look forward to showing you how you can close the loop on payment Big Data and create value from every single transaction.
Innovation type: Mobile, payments, rewards

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eyeOpen is launching the world’s first digital mortgage advisor. The digital mortgage advisor provides consumers with best-in-class mortgage advice. It provides banks and insurance companies with a leading user interface in conversions, advice algorithms and a management information dashboard on consumer behavior.
eyeOpen tested the digital mortgage advisor in The Netherlands with leading banks such as Rabobank, ING and ABN AMRO. The company sells the consumer advice software in Europe from its Amsterdam office and in the USA from its San Francisco office. 

Innovation type: Back office, banking, marketing

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EZBOB offers real-time financing for e-commerce businesses in the UK. The company has developed a web-based lending platform which gathers data, in real-time, allowing for instant lending decisions. 
An e-commerce business is analysed based on data pulled through API connections to data sources such as Amazon, eBay and PayPal, as well as strategic partners such as Channel Grabber, EKM and others. 
EZBOB’s proprietary algorithm allows the company to look beyond a traditional credit score. 
Innovation type: Banking, identity, lending, PFM, small business

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Learn how Financial Simplicity’s portfolio business management infrastructure enables wealth firms to operate thousands of individually tailored investment portfolios efficiently and compliantly. 
It will reveal how portfolio management can blend new world social relevance with operational excellence. Specifically, Financial Simplicity will demonstrate:
    1. Whole of firm portfolio mandate and compliance monitoring in a single screen
    2. On-demand portfolio analysis within a socially relevant context
    3. Investor-tailored portfolio modelling at the click of a button
    4. Implement pre-compliant portfolio decision-making across a Centralised Investment Proposition in a matter of seconds
Innovation type: Investing & asset management

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Story of My Finances is an entirely new approach in digital financial customer service. It takes online banking and PFM to the next level of mass retail financial planning and advice. 
Stories are customer-driven financial life processes, such as How to spend less, Prepare for a rainy day, Buy a home or Retirement planning. Stories help end-customers to get financially fit and to have a peace of mind. Stories are the missing link between everyday people and financial products. 
We believe that we can improve people’s financial life by licensing our white-label technology to financial institutions.
Innovation type: Online, PFM, sales

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You’re seated comfortably watching TV, and suddenly you’re notified that a bank deposit was made into your account. Good news! Simply click, and you can see the details.
The Home Shopping Network presents the set of cooking pans that you have had your eye on for ages. With the press of a button, the pans are on their way to your house!

Innovation type: Marketing, online, sales

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Kalixa believes that today, payments simply don’t meet the real needs of consumers and businesses. For businesses payments are expensive, fragmented and leave them exposed. 
Ed Chandler, CEO of Kalixa, will showcase how next-generation technology that underpins a total payment journey can transform payments from a source of cost, complexity and confusion into a sustainable competitive advantage that stimulates innovation and fuels business growth.

Innovation type: Cards, payments

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We truly believe that the financial industry needs a radical rethink and that innovative financial services offering fair prices, transparency and creating no systemic risk are more important than ever.
Based on these conclusions, we developed an alternative to traditional FX products and services offered by banks and brokers. Kantox is a marketplace where companies can look for and find others companies – their counterparties – to exchange foreign currencies spot and forward without the intermediation of banks.
Innovation type: Payments

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Luminous’ BankFiling loan origination solution enables financial institutions to increase lending to banking customers, while reducing risk.
Innovation type: Banking, lending, small business

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mBank & Efigence present the first European comprehensive Bank 3.0 revolution in a large bank with a full financial product portfolio. 
mBank, an online bank, has successfully leveraged the internet to organically become the third largest in Poland. Now, it’s re-inventing itself by bridging startup-grade innovation on a mass scale. It will implement a wave of next-gen services: transactional banking, transactional/real-time marketing, PFM, social, gamification, video banking, mobility and more. 
It will show its innovative transactional site and the first European implementation of transactional marketing, highlighting a creative take on Facebook, social platforms and real-time consumer gratification.
Innovation type: Banking, online, rewards

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Movenbank will be the first consumer banking experience centered around mobile and enabling a consumer’s everyday financial wellness. We combine mobile banking, mobile payments, and real time financial health and spending insight to help customers spend, save and live smarter. 
Consumers pay with their mobile phones and receive insight on their spending behaviors at the point of sale when it matters most. When was the last time your checking account did that?
Innovation type: Banking, payments, PFM

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Your customers want a mobile service that is as smart as their device. Are you delivering? When customers use your mobile service, they often require assistance beyond self-service to resolve their needs. Having them realize they now need to call your contact center and start from scratch with the IVR causes disappointment and frustration. 
NICE Mobile Reach complements mobile self-service to bridge it with assisted-service channels. It lets companies intelligently engage their mobile customers, seamlessly connect them to the right representative with full context transfer, and then powerfully collaborate with them during the interaction. That’s smart customer service that creates value!
Innovation type: Communications, mobile, sales

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The Open Bank Project (OBP) is an open source-powered API for banks that enables account holders to access their transaction data using a wider range of applications and services. 
The OBP API supports transparency options (enabling account holders to share configurable views of their transaction data with trusted individuals and even the public), data blurring (to preserve sensitive information) and data enrichment (enabling users to add tags, comments and images to transactions). The OBP App Store enables banks and developers to showcase supported apps.
Innovation type: Back office, communications

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The new, highly volatile market order that’s been prevailing for the last few years is raising the pressure on you to come up with asset allocations that are precisely fitted to your clients’ profile. Clients increasingly challenge the proposed investment strategies’ ability generate performance while preserving wealth. 
The BlackSwan Financial Platform lets you engage your clients in an interactive analysis of their risk. Explore investment options together with your clients and guide them through an informed process in selecting the most optimal asset allocation for their profile using clever quantitative finance algorithms.
Innovation type: Investing & asset management

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EdgeConnect is the industry’s most dynamic user experience platform (UXP). EdgeConnect provides a single, consistent platform that enables superior user experiences to be delivered across multiple distribution channels, for any product, any user, in any language and optimised for each device.
A major new editor within edgeConnect, LiveDesigner, is a game-changer in application design. It allows designers to change the look and feel, layout and behaviour while an application is executing, so that they can make changes and see the effects on dynamic application pages prior to live deployment.
Innovation type: Mobile, online, sales

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The Currency Cloud transforms the way businesses make international payments.
 
We inject cost savings, transparency and productivity enhancements into the payment process to deliver a service businesses deserve. Our platform connects to a host of exchange rate providers and payment networks to optimise the conversion, sending and receiving of international payments. 
Businesses access our service directly online, through our API, or via the multitude of firms such as banks, brokers, remittance agents, IFAs, and accounting solutions providers that extend our capabilities through their own services.
We will be showcasing the power of integrated international payments within treasury solutions.
Innovation type: Back office, payments

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Could the banks have avoided over $1 billion in fines for anti money laundering violations with this True Office game?
By playing the True Office | Thomson Reuters Anti Money Laundering desktop and mobile app, financial services employees are exposed to the regulatory risks they confront, and learn how to comply with anti money laundering laws and company policies. 
The data generated from this app provides financial services institutions with compliance analytics that help identify and reduce instances of anti money laundering risk.
Innovation type: Mobile, security

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TSYS Spend Controls puts control over card usage into the hands of the business owner or program administrator. It provides businesses a means to implement upfront transaction controls to ensure cardholder compliance with purchasing guidelines. 
Administrators manage parameters using a simple Web-based user interface, establishing guidelines according to business, department or individual needs. Each transaction is reviewed at the point of sale based on the pre-established parameters.
Innovation type: Banking, cards, marketing

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Virtual Piggy is the first e-commerce solution that enables kids to manage and spend money within a parent-controlled environment. 
We deliver online security platforms designed for the Under 18 age group in the global online market, and also enable online businesses the ability to function in a manner consistent with the Children’s Online Privacy Protection Act (“COPPA”) and similar international children’s privacy laws.
Innovation type: Payments, PFM

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VoiceTrust inTalk increases customer convenience, reduces call times, and provides enhanced security at financial institutions’ call centers. It does this by verifying a customer’s identity through passive listening to the conversation between the agent and the customer. 
Independent of the language spoken or the words uttered, inTalk is able to compare the speaker’s voice against the account holder’s voiceprint and indicate whether the speaker is the account holder or an imposter. The agent is alerted with a graphical indicator on their monitor.
Innovation type: Identity, sales, security

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Yseop will present several intelligent text-generating financial solutions. We will demo a prep-to-meeting report written in two seconds, an automatically generated two-page financial executive summary based on the latest market data and a personalized retirement planning application. 
Yseop is artificial intelligence that writes (and speaks) non-repetitive intelligent text, just like a human being, but at a speed of thousands of pages per second. Yseop analyzes a company’s business data, dialogs intelligently with its customers to understand their goals and then generates written comments and recommendations following the best practices of the company’s top experts.
Innovation type: Communications, sales, marketing