FinDEVr Live: Nexmo APIs Use the Cloud to Decrease Fraud, Secure Transactions, and Protect User Identity

Nexmo_homepage_FinDEVr2015 | | @nexmo

Nexmo_FinDEVr2015_logoNexmo is the global cloud communications platform leader providing innovative communication APIs and SDKs for voice, text, messaging and phone-verification services. Nexmo enables applications and enterprises to communicate with their customers reliably and with ease, no matter where in the world they are located. Companies such as Alibaba, Airbnb, LINE, and Viber send millions of messages per month using Nexmo APIs. Nexmo was recognized by analyst firm Gartner as a 2014 Cool Vendor in Communication Service and by Roaming Consulting Company as a Tier-1 A2P SMS Messaging Vendor in 2015.

Using the cloud to decrease fraud, secure transactions, and protect user identity
Online and mobile banking has come of age and consumers today are empowered with dozens of convenient ways to manage their finances online. However, securing transactions, protecting user identity and protecting both the financial institutions and consumers from an ever-increasing risk of fraud has not evolved. Most users do not follow the recommended practices for online security, and the fragmentation of online identities implies most of them repeat passwords across their different identities. Strong authentication in such scenarios is often cumbersome and makes for a bad end-user experience. In this session, we share how Nexmo’s APIs and SDKs can help you increase security, significantly decrease fraud and protect user identity, without compromising the end-user’s experience.

Key takeaways:

  • How phone number-based identifiers, coupled with phone-based verifications, can help businesses easily implement strong authentication to increase security, significantly decrease fraud and protect user identity, without compromising the end-user’s experience.
  • How you can quickly and easily integrate Nexmo’s powerful APIs into most fintech-app flows.
  • How to future-proof your engineering efforts by using best practices to be ready for scale from the start, regardless of the size of your user base.



Eric Nadalin, CTO
LinkedIn |

Nadalin is the CTO and co-founder of Nexmo. He has managed teams in both the payments and messaging spaces for 18 years. His startup, iPIN, was acquired by Valista and integrated with major mobile operators around the globe. Nadalin holds both bachelor’s and master’s degrees in computer science.

FinDEVr Live: AppSHIELD SDK from SnoopWall Helps Defend Against Malicious Apps

SnoopWall_homepage_FinDEVr2015 | | @SnoopWallSecure

SnoopWall_FinDEVr2015_logoIt’s the year of mCrime (mobile crime), and all banking apps are easily eavesdropped on by ‘trusted apps’ that actually have malware allowed on iTunes, Google Play, and Microsoft App store. SnoopWall will present a live demo of this ‘breaking into my own banking account’ on mobile using a malicious Flashlight App. Then, you’ll learn about AppSHIELD SDK.

Increase adoption of your mobile app with AppSHIELD SDK
AppSHIELD SDK is the only solution to this problem that works. We’ll show how IBM Trusteer SDK and INAUTH SDK and Arxan are easily circumvented by cyber criminals intending to steal consumer PII. If you see AppSHIELD SDK in action (in 95+ financial institutions), you’ll want it in your banking app to protect your consumers and your brand.

Key takeaways:

  • All mobile banking apps are insecure and hackable
  • Many trusted apps exploit these mBanking vulnerabilities
  • Our AppSHIELD SDK is the only solution to make mBanking apps bulletproof against mCrime



Gary Miliefsky, CEO
LinkedIn | @Miliefsky |

Miliefsky, CEO of SnoopWall, is the inventor of the company’s novel counterveillance technology. He has been extremely active in the INFOSEC arena: He is a member of, CISSP; and is an advisory board member of the Center for the Study of Counter-Terrorism and Cyber Crime at Norwich University and

Chris Gauthier, VP Engineering

Gauthier is SnoopWall’s VP of engineering. He’s also the chief software architect for SnoopWall and co-inventor of the AppCrusher. He’s an early stage engineering team leader, hands-on coder, and passionate white-hat with a strong, ethical hacking background.

FinDEVr Live: Corezoid Offers a Digital Core to Update Outdated Backends

CorezoidHomepage | | @Corezoid

COREZOID logo copyCorezoid is a company founded in 2014 and registered in the U.S., with a developer’s office in Dnipropetrovsk (Ukraine). Its biggest private investor is PrivatBank (Ukraine), the largest bank in Ukraine.

Build your company’s digital core with Corezoid is a cloud operating system. It is based on finite automata theory. Corezoid allows companies to do less hardcoding and concentrate on business growth. Digital core increases the speed of launching new products, reduces the cost of software support and development, and helps to fix an outdated company’s backend. It is a stem cell for software engineering, a completely new approach to the IT-solutions development, and a modern engine for any company that wants to rule the world.

Key takeaways:

  • Speed of IT project implementation
  • Establishing friendly relationships between various software complexes
  • Real-time dashboards



Sergii Danylenko, Chief Marketing Officer
LinkedIn | | +38 06 74 44 3781

Maxim Bondar, CTO
LinkedIn |

FinDEVr Live: Avalara Helps Developers Navigate the Wacky World of Sales Tax

Avalara_homepage_FinDEVr2015 | | @avalara

Avalara_FinDEVr2015_logoSales tax is complicated, but Avalara makes it easy. Since 2004, our dedicated team of revolutionaries has worked day and night to help businesses of all sizes achieve compliance by providing a fast, easy, and accurate way to manage transactional taxes. Avalara’s API dynamically delivers instantaneous sales-tax decisions based on precise geo-location in more than 12,000 taxing jurisdictions in the U.S. Avalara’s API offers the ability to automatically assign hundreds of thousands of taxability rules and the latest jurisdiction—boundaries within your desired accounting, shopping cart, or point-of-sales system—to deliver the right rate and tax calculation.

The wacky world of sales tax
Transactional sales tax is not the easiest thing for an organization to tackle. With million of addresses, thousands of taxability rules and taxing jurisdictions involved, it can be a daunting task. We’ll take a whimsical look at some of the more interesting and bizarre sales-tax cases, look at the technology that Avalara has built to solve this problem, and take a deeper dive into the APIs that are available for developers.

Key takeaways:

  • Complexity of transactional tax explained
  • How APIs solve this problem for developers
  • Weird and wacky sales-tax scenarios



Loke Uei Tan, Senior Manager, Developer Relations
LinkedIn | @lokeuei |

Tan has been working in the evangelism capacity for a decade at Microsoft and most recently leads the developer team at Avalara, a cloud-based sales-tax-automation service. He brings with him an extensive knowledge in building and running a successful evangelism program in any modern organization.

FinDEVr Live: Xignite Presents its Newest Financial Market Data API Technologies for Developers

Xignite_homepage_FinDEVr2015 | | @xignite

Xignite_FinDEVr2015_logoNamed one of the 10 coolest brands in banking, Xignite, Inc. provides cloud-based financial market-data APIs to help emerging companies and established enterprises deliver real-time and reference market data to their digital assets, such as websites and apps. Xignite’s clients include more than 1,000 financial services, media, and software companies from disruptive fintech firms, such as Betterment, FutureAdvisor, Motif Investing, Personal Capital, Robinhood, StockTwits, Wealthfront, and Yodlee, to leading financial institutions, exchanges and market data vendors including Nasdaq, SIX Financial Information, and BMO.

Hoverboards, driverless cars and streaming financial data – the future is now!
Attend this session to learn about the newest financial market data API technologies on the horizon. Attendees might even get a sneak peek at some unannounced Xignite products. Xignite’s key engineering team members will be joined on stage by several Xignite clients for a lively discussion of the future of API delivery.

Key takeaways:

  • Future API delivery technologies
  • Real-world application-discussion with robo-adviser and stock-trading app vendors
  • Sneak peak at unannounced technology



Anand Viswanathan, Developer
LinkedIn | @anand_seph |

Viswanathan spearheads developer efforts at Xignite and is the creator of Xignite Labs. Prior to Xignite he held developer positions at Viagogo, Media Interface, and Network Design Lab, The Ladders and Michigan State University, where he also taught advanced programming. He is fluent in Hindi and Tamil.

Al Chang, CTO (not pictured)
LinkedIn | @xignite_al |

Chang is a fintech-industry technology expert. He has led engineering and professional services organizations in high-growth software companies, including Google, Oracle, Advent Software, and TenFold Corporation. Chang holds both master’s and bachelor’s degrees in mechanical engineering and a bachelor’s of science in biology from MIT.

FinDEVr Live: BlockCypher Presents How Bitcoin and the Blockchain Enable Programmable Money

Blockcypherhomepage | @BlockCypher

BlockcypherLogoBlockCypher showed how it helps companies easily build reliable blockchain applications. The BlockCypher team built a generic blockchain platform, exposing simple web APIs for developers to build on. BlockCypher runs multiple blockchains on the same infrastructure, including their own blockchain. BlockCypher provides a cloud-optimized enterprise-grade blockchain platform with no single point of failure, linear scaling, and uptimes >99.99%.

Bitcoin, blockchain, and programmable money
See how Bitcoin and blockchains enable programmable money. From simple scripts to complex contracts, code can automate the transfer of value and make it traceable, distributed and cryptographically secure. Dedicated blockchains and smart contracts can automate trading with fast settlement as well as encode complex derivatives. Want to learn how blockchains can fundamentally impact finance and Wall Street? How about rebuilding a bank in two days without keeping funds in custody? Want a sneak peek at what blockchains and peer-to-peer distributed consensus can do? This session will put you on the right track and create a spark for you to build the next big finance thing.

Key takeaways:

  • Everything in bitcoin is code
  • What is the blockchain, what can you do with it, and how to code on it
  • Any good developer can now functionally replace a bank



Matthieu Riou, CTO, Co-founder
LinkedIn | @mriou |
Riou has architected many software systems at MommaZoo, C3, Intalio, BEA, Reef, BNP, and Societe Generale. He’s a member and former VP at the Apache Software Foundation and has founded and mentored many different open-source projects, from distributed databases to build tools. Matthieu holds both bachelor’s and master’s degrees in computer science and artificial intelligence.

Catheryne Nicholson, CEO, Co-founder
LinkedIn | @Catheryne_N |
Engineer, entrepreneur, mother, and former U.S. Navy officer, Nicholson has built large-scale software platforms in education, energy and emissions management, CRM, and defense systems for MommaZoo, C3, Siebel Systems, and Northrop-Grumman. She’s a graduate of the U.S. Naval Academy and Stanford University. Her credentials include: BSAE, MSCE, and PE MechE.

FinDEVr Live: MX Describes How it Delivers Better Code to Developers

MXhomepage | | @MXenabled

MXMX launched its core Digital Money Management (DMM) solution, MoneyDesktop, in October 2010. In just five years, MX has become one of the fastest-growing fintech companies and the DMM provider-of-choice to more than 550 banks and credit unions. MX is committed to building online and mobile financial software that entices consumers to increase their financial intelligence through a user experience that makes money management feel natural, simple and gratifying. As the industry is disrupted at a rapid pace, MX is committed to keeping financial institutions relevant and on the forefront of innovation.

How you build something is more important than what you’re building
Is your code simple, clean and maintainable? That’s the first question you should be asking rather than focusing on function. Studies have shown that up to 70% of the cost of software is incurred during maintenance. Readability, or the ease of reading source code, can promote software maintainability and is at the core of MX’s philosophy. In this 20-minute session, Brandon Dewitt, MX’s CTO, is discussing the fundamentals of building technology and how MX is delivering innovation and better code directly into the hands of engineers responsible for technology in their financial institutions.

Key takeaways:

  • Building a maintainable platform
  • Why style of code matters
  • Facilitating a smooth transition as you onboard new engineers

Presenter: Brandon Dewitt, CTO
LinkedIn | @abrandoned |
Brandon Dewitt, CTO of MX, actively contributes to open-source projects and has worked in software engineering at Nike, BakerHill, and Experian. He leads the MX engineering team to produce cutting-edge solutions for the fintech industry.

FinDEVr Live: Banking API from Kontomatik Helps Developers Build Better Financial Products

Kontomatik_FinDEVr2015_homepage | | @Kontomatik

Kontomatik_FinDEVr2015_logoKontomatik presents a leading banking API. The service supplied by Kontomatik API is mostly aimed for the banks with competitive products: online lenders that are looking to optimize loan-issuing processes, and startups that want to build their apps around a supreme technology. Online credit scoring, instant KYC, and contextual financial offers are the key benefits supplied by Kontomatik API, yet the main service is the provision of tools that lets an organization become a true innovator in the financial industry. Kontomatik API is now available in Poland, Spain, Czech Republic, Slovakia, Mexico, Brazil, Russia and more countries to come.

Create financial industry 2.0 with banking API
Customers often choose unsuitable products because of lack of innovation. Until now. Banking API introduced by Kontomatik allows penetration of banking transaction systems, aggregation, analysis, and processing of data. This data is an opportunity for strong growth for the financial companies with attractive products. Our presentation will uncover the key benefits of the banking API, its application in the banking and financial sectors, scope of countries and future plans. Also, you will see exactly why the Kontomatik technology is a superior way to connect to the banks.

Key takeaways:

  • How to bring your services fully online
  • The main benefits of banking API
  • Emerging markets and technology



Peter Hiekmann, VP Sales
LinkedIn |

Hiekmann has been working in the financial and technology industries for more than 25 years. Prior to his work with Kontomatik, Hiekmann was improving the performance of such companies as Fujitsu, Cisco, BT Global Services, and more. Hiekmann recently climbed to the peak of Mount Kilimanjaro.

Marcin Truszel, CEO

FinDEVr Live: Commerce Driver from EVO Snap Helps Make the EMV Shift Quickly and Securely

EVOSnap_homepage_FinDEVr2015 | | @canyousnap

EvoSnap_FinDEVr2015_logoAs the integrated payments division for EVO Payments International, EVO Snap* simplifies in-store, online, and mobile payment, making payments a Snap* for software companies and merchants. EVO Snap* is a one-stop shop for application integration, merchant underwriting, and payment processing. EVO Snap* offers single-integration access to omnichannel payment processing through one API and can instantly decision, board, and activate merchants.

Making the shift to EMV quickly and securely
The cost and complexity of managing EMV certification can quickly become overwhelming. There is a better way. Create EMV approved iOS, Windows, and Android-based point-of-sale (POS) applications in a snap with the Commerce Driver from EVO Snap. As with a printer-driver, the precertified Commerce Driver SDK installs alongside your software application, adding PCI-compliant transaction processing to iOS, Windows, and Android-based POS systems. The Commerce Driver facilitates all transactional communication with EVO’s global processing platforms and approved hardware devices and meets all EMV level 3 compliance requirements for payment processing in the U.S. and Europe.

Key takeaways:

  • How retailers can prepare for the EMV liability shift
  • How EMV impacts mobile POS (mPOS)
  • Increasing addressable global markets with standardized EMV solutions



Peter Osberg, SVP U.S. Product and Worldwide Integrated Payments, eCommerce and Gateway Solutions
LinkedIn |

Osberg, as SVP U.S. product, worldwide, is responsible for globally defining and executing EVO’s integrated software strategy.

Darren Adelgren, VP Product, Customer Care
LinkedIn |

As VP of product and customer care, Adelgren is responsible for defining and leading the product and integration strategy for EVO’s integrated payments group, EVO Snap.*

FinDEVr Live: Deluxe Shows How to Leverage its eChecks in Your App

DeluxeHomepage | | @deluxecorp

DeluxeLogoDeluxe Corporation is a changing, evolving, growing company. Strategic acquisitions have created a unique suite of services helping businesses and financial institutions to attract and retain customers, including marketing services and payment solutions. Creativity, innovation and entrepreneurial spirit—combined with the resources and strength of a well-established company—creates a culture expected at a startup rather than a Fortune 1000 company. Our customer base includes nearly 4.6 million businesses, approximately 5,600 financial institutions, and 6 million individual customers. The eCheck is cutting-edge technology combining the best of check writing with the convenience of email, giving businesses a fast, easy payment solution.

eChecks—electronically delivered checks
Financial institutions process 20 billion paper checks worth $30 trillion every year in the U.S. alone. Deluxe eChecks combines the best of check writing with the convenience and speed of email delivery. We’ll explain exactly how eChecks technology works, including the ability to integrate remittance data as well as securely send thousands of payments at one time, and how you can easily leverage them in your application to send/receive payments without paying transaction fees.

Key takeaways:

  • How the oldest form of non-cash payment, the check, has been modernized
  • How to easily leverage eChecks into your application to send/receive hundreds to
    thousands of dollars in payments at once
  • Why and how to use eChecks in your application


Dean Tribble, VP ePayment Product Engineering and Development
Tribble has been innovating in technology for 30+ years, including asynchronous Promises before the internet, hypertext technologies that led to the URL before the web, and information marketplaces before eBay. He was CTO and founder of Agorics Inc. His teams architected the first Java-based client-server brokerage-information system for Schwab, the first electronic check service for the FSTC, and an enterprise-wide application and infrastructure security system for Sun Microsystems. Tribble invented secure email technology for business that was acquired by Microsoft, where he then led development of security and compliance features for Microsoft Exchange. As a principal architect, he participated in security and operating system incubation work that led, for example, to new asynchronous features, such as “awaits” in C#. Tribble co-invented the eCheck service as a founder and CTO of VerifyValid and continues to lead that development as the VP of ePayment product engineering and development at Deluxe.