FinovateFall Sneak Peek: TransferTo


The Sneak Peek series looks at the innovators demoing live on stage at FinovateFall 2015. Be sure to pick up your tickets to our annual autumn conference. We’ll see you in New York!

TransferTo FinovateTransferTo operates a global Mobile Money Hub, enabling organizations to transfer money in real time to mobile phones. The company expects 1 billion mobile money-accounts by 2020.


  • Faster – real-time transfer to even the most remote locations
  • Better value – lower costs
  • More secure – strong compliance engine screens each transaction

Why it’s great
TransferTo helps businesses offer mobile money, goods and services, and airtime top-ups around the world in real time. TransferTo will launch its Mobile Money Hub at Finovate Fall.


TransferToPresenter1Eric Barbier, CEO
Barbier founded TransferTo in 2005. He previously co-founded Mobile 365—the global leader in mobile messaging interoperability of SMS—which was acquired by Sybase in 2006 (for $425 million USD).

TransferToPresenter2Charles Damen, EVP Global BD, Mobile Money
Damen is responsible for the development of Mobile Money and its strategic partnerships. Charles was a founding member of Mobile 365 and his previous positions include head of global payments at


Friday is the Final Day to Save Big on FinovateFall 2015 Tickets


At Finovate, the Early Bird gets the hundred-dollar discount.

This Friday is the final day of Early Bird ticket sales for FinovateFall 2015. Our fall conference returns to New York City, 16/17 September for two days of live fintech demonstrations and high-caliber networking. The show will take place at the New York Hilton Midtown on the Avenue of the Americas. Find out more about the venue and local hotels here.

We hope you’ll join us. And we really hope you’ll take advantage of our early bird discount and save $100 off the ticket price by registering before the end of the week.


We began introducing the companies that will be presenting at FinovateFall 2015 last month. Over the next few weeks, we’ll share more information, background, and insights into the entrepreneurs and innovations that will be on stage next month in New York City. Take a peek at the current roster below, and look for the full list of presenters the first few days of September.


With 10 hours of live fintech demonstrations and another eight hours dedicated to networking among attendees, presenters, sponsors, and partners, FinovateFall 2015 is a unique opportunity to meet with some of the biggest problem-solvers and solution-builders in fintech. Come for the live demos. Stay for the Best of Show voting and celebration. And enjoy a sneak peek at what some of our industry’s most innovative entrepreneurs and organizations have to offer.

Time is running out, so we’ll let you take it from here. Early bird savings on tickets to our fall conference end on Friday. Stop by our FinovateFall 2015 page and register today.

FinovateFall is sponsored by The Bancorp, CapitalSource, Envestment, Financial Technology Partners, Hudson Cook, KPMG, and Zions SBIC.

FinovateFall is partners with Aite, American Bankers Association, Bank Innovators Council,BankersHub, bobsguide, Breaking Banks, California Bankers Association, Canadian Trade Commissioner Service, Celent, CoinTelegraph, Crowdfund Beat, Ebanking News, Hotwire, IDC Financial Insights, Javelin,Let’s Talk Payments, Mapa Research, Mercator Advisory Group, MergerMarket, The New Economy, NYPAY, The Paypers, SME Finance Forum, and World Finance.

Capriza Chosen by Flextronics, Marvell, NTT, Symantec to Boost Workflow Efficiency


A quartet of tech veterans have selected Capriza to help simplify essential workflows in SAP, Oracle, and Sharepoint, as well as in their custom-built systems. Semiconductor-producer Marvell and security specialist Symantec will use the Capriza platform to streamline and manage Oracle processes. Supply-chain provider Flextronics, and Japanese telecom-subsidiary NTT, will use the platform to improve SAP processes. Workflows for timesheet entries and approvals are among the main areas of focus.

Myckel Haghnazari, an IT director at Flextronics called Capriza “one of the most innovative products” he’d seen in 15 years of working in technology. Haghnazari sees the platform as critical to helping “transform some of our core front-office applications into personal, responsive mobile apps.”

As Mayank Mehta, Capriza VP for product, explained in an article earlier this month in IT Business Edge, solutions are available to help enterprises develop mobile apps from their existing application code. The problem, according to Mehta and Capriza, is that many of these solutions fail to “capture and extend” the workflow the legacy application is in. Capriza’s solution is that rather than have developers write new code or build APIs, instead use a virtual browser tool in the cloud that captures the application’s business logic and workflow automatically and that generates a smaller, micro mobile application to suit the specific need.

Capriza calls its approach “zero coding, zero APIs, zero upgrades.”

One of Gartner’s Cool Vendors for 2014, Capriza was named one of 1o mobile startups to watch at the beginning of the year by Network World. Its technology has been deployed by T-Mobile, Brocade, VMWare, TiVo and more.

Founded in 2011 and headquartered in Palo Alto, California, Capriza will make its Finovate debut at FinovateFall 2015 in New York in September. The company has raised more than $50 million in funding, and includes among its investors Andreessen Horowitz, Harmony Ventures, and Tenaya Capital. Yuval Scarlet is CEO.

To see Capriza live at our upcoming fall event, click here to register today. Early bird savings are still available.

FinovateFall 2015 Presenting Companies Announced


Since we received the highest-ever number of applications to demo during our FinovateFall conference in New York, we quickly discovered that electing presenters would not be easy. After a month-long screening process, we narrowed the pile to the newest and most innovative ideas in fintech.

Today, we’re revealing the first group of companies that will take the stage at the event.

Don’t miss your chance to see all of these companies, and more, demo their technology live. Tickets have been selling fast for the event, which will be held 16/17 September at the New York Hilton Midtown. See you there!


Advisor Software uses APIs and apps in a hybrid cloud architecture to steer investment advisers away from traditional wealth-management software that’s too rigid, difficult to integrate, expensive, and hard to scale.

Alfa-Bank’s Sense Financial Advisor brings personalization to larger universal banks by using big data analysis and artificial intelligence.

Avoka offers a rapidly deployed, omnichannel customer onboarding and engagement software with a simplified customer interface to help financial institutions better cross-sell.

BehavioSec’s BehavioMobile offers fraud detection by monitoring device rhythm and interaction patterns that are unique to each end user.

Big Data Scoring’s credit scoring methods help the consumer credit industry by using publicly available, unstructured data to evaluate clients without traditional credit bureau data.

Blockstack’s software platform uses private blockchains to eliminate back-office inefficiencies for financial services firms.

The Buzz Points mobile app and merchant portal benefits local financial institutions and local businesses by creating a currency to incentivize account holders.

Capriza uses an enterprisemobility platform to solve for complex, customized, desktop-only workflows using zero coding, APIs, application upgrades, or integrations.

Credit Karma will launch a free and efficient mobile app to remove the complexities of understanding and managing credit and personal finance for U.S. consumers.

Crowdability is a screening tool to help individual investors rapidly filter thousands of private start-up deals using a proprietary algorithm developed in conjunction with top angels and venture capitalists.

D3 Banking has developed Small Business Banking to bring omnichannel, data-driven, digital banking solutions to financial institutions’ small business customers.

DAVO Technologies’ automated technology solution solves small- to mid-sized merchants’ sales-tax pain-points.

Dynamics’ Next Generation Payment Cards crack a 30-year lack of card innovation by embedding full computer architecture inside a payments card.

ebankit’s banking solution uses the latest technologies to offer a unified experience across channels with a holistic view.

Eco-Mail’s exchange-based technology eliminates physical mail delivery for mailers, consumers and large enterprises by using its proprietary platform to eliminate paper-based B2B, C2B and B2C mail.

Euronovate’s new generation pad offers customers strong authentication.

Fern Software’s FaaS system incorporates free-standing apps to offer tools from vendors with no core system.

Finanteq’s white-label SUPERWALLET helps banks take full advantage of their potential by integrating m-commerce and remote services with mobile banking apps.

First Performance’s communication and processing platform offers financial institutions a more direct issuer-to-cardholder engagement solution that solves the problem of decreased card usage due to fraud-related concerns.

Fiserv’s Digital Banking Solution helps financial institutions deal with the continuously increasing demand to create a banking experience with impact for end users.

Flybits’ cloud-based, context-aware technology steers companies away from generic content and manual searching on mobile apps.

Gro Solution’s account-opening solution uses a concise workflow and multilayered approach to solve high mobile abandonment for financial institutions.

Hedgeable’s NEXT Partner Network makes private banking platforms available to millennials.

HelloWallet’s Retirement Explorer brings high-quality, user-friendly retirement guidance to 401(k) participants.

Hypori’s Virtual Mobile Infrastructure brings a defense architecture to enterprises’ Bring Your Own Device (BYOD) policies.

ID Analytics brings patented analytics and real-time behavioral insight to consumer risk management.

Lexmark’s Kofax brings retail banking customers a real-time, voice driven, voice response, collaborative onboarding solution in a mobile app.

Ldger offers its distributed ledger technology to modern credit market investors and originators to avoid inefficiencies in traditional capital market processes.

LiftForward’s SaaS analyzes consumer or business credit default risk to help a business determine whether to provide terms or credit to its customers.

LiquidLandscape is an interactive notebook that uses data visualization to prevent financial decision-makers from drowning in data.

Mogl’s card-linked-offer technology bridges the gap between online to offline commerce for businesses across the country.

North Side offers a more natural, fun, and efficient natural language interface that enables banks to know their customers better and sell them credit, investment and cash-management services.

Novabase offers wealth clients and their financial advisers a customizable app ecosystem that enables engagement for self-service clients along with adviser contact.

PaySwag helps lenders, municipalities, utilities, medical and other creditors collect delinquent payments from the underbanked using a gamified mobile application combining payments with cash or cards, financial education, communication, payment plans, and rewards.

Quisk’s digital cash payment and integrated marketing and loyalty solution uses its patented, cloud-based software platform that enables a simple, secure and convenient solution.

RMS distributes its referral and rewards platform consumer channels online, and via a mobile app.

SaleMove’s live engagement platform makes it easier for financial institutions to sell and service complex financial service products online by using instant video chat and guided browsing.

Sliced Investing is an online platform that provides accredited investors access to alternative investments, such as curated hedge funds, private equity and late-stage private-company investments.

Socure’s solution for consumers and companies facing ever-increasing challenges with usernames, passwords, and verification employs facial biometrics technology.

Soundpays‘ universal mobile wallet enables users to pay online, in-store and on TV with a single app that uses sound waves to initiate a transaction.

Thetaray helps financial institutions with fraud detection and credit-risk reduction by using its anomaly-detection algorithm that leverages big data analytics in real time.

TransferTo’s Mobile Money Hub offers money-transfer operators a solution that enables developing markets to send money remittances via mobile.

Tranwall offers card issuers, processors, and corporations a card payment control solution.

Trulioo’s GlobalGateway helps fintech companies with the electronic identity-verification process by using its AML/KYC-compliant ID verification and normalized API.

Urban FT’s white-label, digital banking solution helps smaller and regional banks and credit unions to compete with larger FIs by enabling them to create, customize, and edit digital solutions for each card program via its Platform Management Portal.

Voitrax’s trade reconstruction engine uses transcription, machine learning and natural language processing to help financial institutions comply with regulations by enabling them to provide trade reconstruction reports in real time.

Walletron’s moBills mobile wallet, data integration and push notifications help any biller deal with today’s underwhelming mobile bill presentment and payment options.

Xignite’s cloud-based market-data APIs help financial services, media, software and corporate developers simplify the complexity of sourcing and integrating market data.

Xpenditure solves the hassle of expenses by eliminating the expense claim as it’s known today for businesses of all sizes.

Yseop’s Smart BI helps analysts, advisers and bankers draw insights from financial data in real time using self-service products.

FinovateFall is sponsored by The Bancorp, CapitalSource, Envestment, Financial Technology Partners, Hudson Cook, KPMG, and Zions SBIC.

FinovateFall is partners with Aite, American Bankers Association, Bank Innovators Council,BankersHub, bobsguide, Breaking Banks, California Bankers Association, Canadian Trade Commissioner Service, Celent, CoinTelegraph, Crowdfund Beat, Ebanking News, Hotwire, IDC Financial Insights, Javelin,Let’s Talk Payments, Mapa Research, Mercator Advisory Group, MergerMarket, The New Economy, NYPAY, The Paypers, SME Finance Forum, and World Finance.

FinovateFall 2015: Ladies and Gentlemen, Launch Your Applications!

Spring may have sprung, but for many here on the Finovate team, the fall season is already on our minds.

Why? Because the application-window for companies looking to demo their latest fintech innovations at FinovateFall 2015 in New York is now open! And that’s a big deal for fintech players of all shapes and sizes. For example:

  • Startups ready to show new technology in front of an audience of banking executives, press and industry analysts, fellow fintech firms and venture capitalists.
  • Industry veterans eager to show the world that they’ve still got more than a few innovations to showcase.
  • International firms looking to launch, or make serious inroads, into North America.
  • Direct-to-consumer financial firms with a digital value-proposition new to the industry.

If this describes you and your technology, then FinovateFall 2015 may be the opportunity you’ve been waiting for!


FinovateFall 2015 returns to the New York Hilton Midtown for two days of technological innovation and intense networking. The conference will be held on 16/17 Sept 2015, featuring our signature 7-minute live demos focused on the “special sauce” of true innovation in fields ranging from authentication and digital investing to mobile payments and P2P lending.

Watch last year’s presenters in the FinovateFall archives. For a refresher on last year’s Best of Show winners, read our FinovateFall 2014 Best of Show review.


For attendees: Be a part of the live audience at FinovateFall 2015. Register today and take advantage of special pre-sales savings!

For presenters: Demo your technology on stage at FinovateFall 2015 before an audience of nearly 1,500 financial professionals. Email us at for information on how to apply. The application window for FinovateFall 2015 opens today and applicants are encouraged to apply as early as possible.

Other questions? Send us an email at or contact Finovate Event Director, Greg Palmer, 1-800-418-0980.