What’s Hot and What’s Not in U.S. Fintech

We teamed up with the Fintech Cocktail Club earlier this month to play another game of Fintech Tinder (otherwise known as hot or not).

Here are the rules– we shouted out a list of 20 fintech trends and our cocktail-fueled audience shouted their opinion on whether the trend is hot or not*. The result was a not-quite-scientific analysis of what is trending in U.S. fintech.

The hottest

  • Regtech
    I was fairly surprised to hear the audience react so strongly to this trend, since the U.S. is lagging in regtech startups and adoption. Out of all 20 trends, however, Regtech was the clear winner.

What’s hot

  • AI
    Artificial intelligence has been experiencing increased attention in the fintech community since late 2015. As we close out 2017, players in the fintech sector seem to be in all out hype mode on the subject.
  • Open Banking
    Though the U.S. doesn’t have any pending open banking regulation, folks still seemed quite optimistic about this trend. It is worth noting here that most of the audience from whom we received feedback represented non-bank fintech startups.
  • Mobile account opening
    Certainly a necessity for mobile-centric onboarding, mobile account opening has been around for awhile. It seems to have received new life with many enabling technology developments and IoT device launches throughout the years. For example, many companies have incorporated biometrics and Apple Watch capabilities into their mobile onboarding processes. In the future we can expect this trend to surge once again when we see augmented reality incorporated into mobile account opening.
  • Blockchain
    Possible use cases for the blockchain transcend far beyond bitcoin into implementations such as identity management and smart contracts. The audience was apparently well-aware of this, as they almost unanimously categorized blockchain as “hot.” Interestingly enough, our U.K. audience offered a more undecided, split vote regarding blockchain use.
  • Gamification
    It’s good to know that gamification still has skin in the game, so to speak. Using behavioral economics to incentivize behavior pre-dates fintech, and it appears that as techniques improve fintechs are still open to leveraging gamification to motivate user action.
  • Augmented Reality
    With the launch of iOS 11 opening developer capabilities for augmented reality, this is a rising topic in fintech. Expect to see value-added use cases in banking and fintech in the next year.
  • Challenger banks
    With the lack of challenger bank launches in the U.S. (that is, compared to the U.K.), it was surprising to see the group cheer on challenger banks so vociferously. Perhaps a sign that more challenger banks are coming to the U.S.?
  • Insurtech
    Insurtech was another hot-button topic. The audience seemed to heavily favor this trend over others, despite the relative lack of insurtechs in the U.S.

Not hot

  • Chatbots
    It was surprising to hear the audience classify chatbots as “not hot,” given that chatbots have been on the rise in fintech lately, and their inclusion among the FinovateFall Best of Show winners. Finn.ai, a Canada-based chatbot, was one of seven Best of Show award winners among the 70 demoing companies at FinovateFall 2017.
  • Roboadvisory
    The wealth tech boom seems to have subsided for a bit. It hit hard between 2014 and 2015, when new roboadvisors– each with its own unique investing algorithm– were launching on an almost daily basis.
  • ICO’s
    Initial Coin Offerings (ICO’S) have been the talk of the fintech town lately. However, because of risk and regulation concerns, many see this fundraising technique as nothing but a fad.
  • Alternative credit scoring
    Recent questions regarding the fairness of traditional credit scores combined with the implementation of enabling technologies such as artificial intelligence and machine learning landed alternative credit scoring in the “not” category.
  • Voice banking
    Voice banking received a few head nods during the demo portion of FinovateFall 2017, but most argued that this is just another solution looking for a problem.
  • Mobile wallets
    I mostly threw this on the list to get a reaction from the crowd– and quite a reaction I got! It’s 2017, and mobile wallets barely have a pulse.
  • Biometric authentication
    This is yet another trend I was surprised to see land in the “not” category. Perhaps the audience was feeling salty by the time they reacted to this trend. I think we’ll continue to see biometrics– in multiple different forms– trend in fintech for years to come.
  • Card-linked offers
    Card-linked offers was another trend I added to the list to illicit a colorful response from the crowd. A trend from 2012, card-linked offers has made an appearance in a few new fintech solutions, but mostly as just an add-on.
  • Virtual reality
    I whole-heartedly agree with the assertion that virtual reality in banking is not hot. The enabling technology has a place in gaming and not as a new channel through which consumers will check their credit score or bank balance.
  • Alternative lending
    This trend peaked in 2015 and began declining in 2016. While many alternative lending companies are still profitable (and thriving) the ones that have landed on profitability and regulatory difficulties have caught a lot of media attention, leading to an overall downturn in this space.

What’s ?

  • Mortgagetech/ Proptech
    This was the last trend the audience voted on, and I think the cocktails had taken their toll by this time, because almost everyone in the crowd seemed to be confused. My take: it’s hot.

Opinions: U.K. vs. U.S.

You may remember our analysis from earlier this year in our piece Playing Fintech Tinder in which we analyzed the opinions of a U.K.-based audience on 11 fintech trends. The results were surprisingly similar, with only two differences. While in the U.K., the audience was split and/or undecided on two trends– blockchain and challenger banks, the U.S. audience was more vocal and decided about the trends, voting both as “not hot.”

*Note: the actual terminology for feedback was “sexy or not”, since “hot” sounds similar to “not”

A Look Back at FinovateFall’s Four-Day Flow

Adding a pair of Discussion Days to Finovate’s traditional Demo Days format, has made it that much easier for Finovate attendees to answer the question perennial post-conference question: “So. What did you think?” Two days of keynote speeches, panels, and presentations – to say nothing of another two days of networking – gave Finovate attendees time to digest, discuss, and debate many of the ideas, technologies, and solutions that dominated the conference.

Indeed, with more than 500 minutes of live demos on Days One and Two, and twin-track, double-barrel breakout sessions and panels on Days Three and Four – it seems like the only more valuable commodity than cool fintech last week was the time to take it all in.

So with that in mind, here are a trio of Big Themes that go a long way toward defining both the content of and conversation around FinovateFall 2017.

Best of Show 2.0

Bringing our Best of Show winners on stage to kickoff the Discussion Days was a great opportunity to once-again highlight the achievements of some of our most innovative companies – as chosen by Finovate attendees. In addition to giving those who missed parts of our Demo Days the opportunity to meet our Best of Show winning companies, our panel also gave the companies the chance to reintroduce themselves and their technologies, as well as talk about their overall Finovate experience.

The Best of Show panel also helped shine a spotlight on which subsectors within fintech are really experiencing significant innovation. Think PFM is dead? Meet Envestnet | Yodlee, a multiple Best of Show winner with a new, less sophisticated take on promoting and supporting financial health and wellness. Have a hard time telling one chatbot from another? Not those who voted for Finn.ai, another multiple Best of Show winner, whose virtual banking assistant continues to impress.

From new payment technologies (Jiffee) and security solutions (SpyCloud) to customer insight technologies (Sensibill), more social approaches to investing (Voleo), and an easier way to contribute to your favorite causes (Sustainably), the Best of Show panel was a well-placed bridge to the broader discussions and deep dives on Days Three and Four.

Power to the Panel!

When it comes to getting down to fintech’s brass tacks, give me a stage filled with some of our industry’s most loquacious luminaries. Whether the topic is banking for the underbanked or blockchain technology, there’s nothing like a panel of fintech potentates to remind us of what matters to consumers, merchants, and financial institutions alike.

And what did we learn? From panelist and keynote speaker alike, it is clear that the rise of AI will be the most dominant feature of our technological future – and this will be as true for fintech as for any other subset such as biotech or insurtech. Dave Birch, Director of Innovation for Consult Hyperion, announced during his keynote speech, “Your AI will be selling financial services to my AI,” while members of our AI showcase discussed the numerous ways AI is already helping us meet challenges ranging from customer engagement to workflow automation to fraud management.

And of course big props to Day Four keynoter Tim Urban of @WaitButWhy fame whose “The AI Revolution and the Road to Superintelligence” provided a thoughtful, rousing, occasionally frightful but always entertaining exegesis on AI.

In addition to artificial intelligence, there was plenty of old school human brain power at work, as well. Consider Bradley Leimer’s interview with Jon Stein of Betterment, the informative exchange between John Waupsh and Jim Bruene on community banking, and Ghela Boskovich discussing women and investing during the Wealth Management & Investing Summit track for just a few samples of the high-calibre conversation during our Discussion Days.

Where All the Fintech Women At?

There is no doubt that fintech – like the rest of technology – is becoming a more diverse place for entrepreneurs and technologists of all backgrounds. Sometimes the networking sessions at a Finovate conference can resemble a gaggle at the United Nations as the mix of Baby Boomers, GenXers, and Millennials from across the world come together to talk fintech.

Gender diversity is another area where fintech in general and Finovate in specific have made strides. In what might be the largest number of women leading or participating on the Finovate stage, our Demo Days featured Olivia Lovenmark (Voleo), Ana Silva and Sara Martins (ITSector), Janice Diner (Horizn), Meggie Ladlow (United Income), Nikhita Iyar (Moxtra), Inbal Tirosh (Endor), Izabella Gawron (ING Bank Slaski), Sarah Clark (Mitek), Elisabeth Asirifi (cyberProductivity), Ellison Anne Williams (ENVEIL), Lauren Matheson (PromonTech), Diana Winstanley (ebankIT), Harini Padmanabhan (Envestnet | Yodlee), Lisa Shields (FI SPAN), and Donna Tilden (RateSeer).

But our work is far from done. As more than one attendee noted, our panel on fintech incubators on Day Four featured 14 startups showcased by seven accelerators – but nary a woman on stage. “Let’s fix this!” one attendee tweeted – and we agree. For those of us who play any role in helping encourage and enable the next generation of fintech entrepreneurs, ensuring the representation of #womenintech needs to be job one.

We hope you enjoyed our expanded FinovateFall 2017. For more coverage of the conference, check out our Best of Show review, our Twitter coverage, and our upcoming Finovate in the Press feature!

FinovateFall in the Press

One week ago today, the doors closed on FinovateFall 2017. The extended format allowed for rapid-fire fintech demos, while the in-depth summit sessions and keynote presentations offered an in-depth look into specific, hot-button issues for banks and fintechs.

If you missed out, don’t worry– the demo videos will be live on Finovate.com in a few weeks and here’s a look at the Best of Show winners, Twitter highlights, and what impressed the media:

Aite Group
FinovateFall 2017: Industry Fears and Data Science Take Center Stage
by Javier Paz

American Banker
Collaboration in, disruption out at Finovate
By Penny Crosman

Bank Innovation

Banking Exchange

Banking Technology
FinovateFall 2017: a look back at the four-day flow
by David Penn

Big Fintech Media

Top takeaways from Finovate Fall: Part I
by Glen Sarvady

Digital Wealth Insights
PFM Meets AI and Reinvents Financial Planning
by Ian McKenna

eFinancial Careers

Finovate TV YouTube Channel

Fintech Finance

Sustainably wins Best of Show at Finovate Fall in New York
by Matilda

Global Association of Risk Professionals
Can Technology Tame the Sanctions Compliance Beast?
Katherine Heires

Gonzo Banker
8 Quick Finovate 2017 Takeaways
by Sam Kilmer

Wide Range of Startups Demo at Finovate Fall 2017
by Ryan Lichtenwald



New York Business Journal

Payments Journal
An SMS “Check” to access Cash from an ATM?
by Joseph Walent

OCC Says It’s Not Ready For FinTech Banking Applications

Red Fan Communications

U.S. banking regulator not ready for fintech charter applications
by Anna Irrera

William Mills Agency Blog

A hearty thanks to everyone who demoed, presented, attended, and networked! Our show would not exist without all of you. We’ll see you next year or at Hong Kong in November.

We’ll update the list as more press comes in. If you’ve published a piece you’d like us to include, please email the link to research@finovate.com.

Live Demos and Deep Dives: FinovateFall Takes to Twitter

Image courtesy Jenna Bascom Photography

FinovateFall 2017 is in the books! And if the initial reports are any indication, our new, expanded, four-day format was a great addition to the fintech conference landscape. Two days of live demos followed by two days of deep dives into some of the most critical issues in our industry created a unique, exhilarating experience for all involved.

The enthusiasm for FinovateFall 2017 came through loud and clear on Twitter. Whether tweeting about favorite candidates for our Best of Show award or retweeting insights from our keynote speakers and panelists, our followers on Twitter made sure that #Finovate was a fun and informative place for “grizzled fintech professionals” and newcomers alike.

So here’s a sample at what our #Finovate community on Twitter had to say over the four days of FinovateFall 2017. And remember to follow us @Finovate!






Finovate Talks: The Conversation Continues

Today at FinovateFall, we continued to speak to some of our key speakers about the hottest topics that we have been discussing over this year’s event. Here, Nathan Snell, Chief Innovation Officer at nCino stresses the importance of customer experience and how the “innovation journey” can be improved when he spoke to Julie Muhn, Finovate Research Analyst at the conference.

Watch more interviews here:


Finovate Talks: Creating the Foundations for Financial Literacy

Ederick Lokpez, Director Engagement Strategy, Customer Experience Office, U.S. Bank

Watch here >>


Finovate Talks: RegTech – Innovation vs. the Regulation Regime

Joanne Barefoot, CEO at Barefoot Innovation Group

Watch here >> 


Finovate Talks: RegTech – Tech or Die

Pascal Bouvier, Fintech Venture Investor & Thought Leader

Watch here >>


How Can Banks with Older Core Systems Take Advantage of Fintech Innovation?

Oded Shoshany, CEO at CelerityFinTech

Watch here >>


Investing with a Difference: How To Stand Out From the Crowd

Ross Baird, CEO, Village Capital

Watch here >>


Top Tips for Startups To Stand Out Within Incubators

Matt Armstead, Executive Director, Fintech71

Watch here >>


FinovateFall 2017 Best of Show Winners Announced

Join us in a hearty congratulations for the seven companies that earned not just the admiration of our FinovateFall 2017 attendees, but their votes for Best of Show, as well.

With more than 70 companies demonstrating their technologies live on stage over the course of two days, some diversity in theme and topic is to be expected. What is especially interesting about our Best of Show winners this time around is that, while numbering only seven, these innovators still reflect a wide variety of approaches toward solving some of the most vexing challenges in our financial lives. These are the technologies that we increasingly turn to for help when it comes to saving and investing for the future, working better and more efficiently with our banks and credit unions, and safeguarding our property, our financial transactions, and even our identities against fraudsters, hackers, and other malevolent actors.

So hats off to the Best of Show winners of FinovateFall 2017. From Finovate veterans that have been honored by our attendees with Best of Show trophies in the past to newcomers who made huge, positive impressions in their Finovate debuts this week, these are the companies that help define our industry and show us the direction of fintech innovation to come.

Envestnet | Yodlee for its Financial Health Check that leverages account and transaction-level data to measure and score overall financial health across multiple dimensions including spending, savings, borrowing, and planning.


Finn.ai for its Virtual Banking Assistant, powered by artificial intelligence and available via channels ranging from Facebook Messenger to Amazon Alexa, which makes everyday banking simple and easy for customers.


Jiffee for its tap & pay mobile technology that turns any device into a payment terminal, enabling consumers to pay anywhere and everywhere without relying on plastic credit and debit cards.


Sensibill for its +Pulse solution that helps spot revenue opportunities from on- and off-card purchase data, providing a targeted prospect list for personalized, in-app campaigns.


SpyCloud for its monitoring and alert service that helps organizations better understand their employee and customer digital footprints by giving them visibility into their exposed credentials actively being traded in the underground.


Sustainably for its social good platform for consumers and businesses that turns the spare change from shopping into micro-donations to philanthropic causes.


Voleo for its social trading app that makes it easy for people to invest together, saving time and money, while simultaneously leveraging the collective wisdom of networked investors to pursue market-beating returns.

We want to thank all of the companies that demonstrated their technologies live on stage this year for FinovateFall 2017. From AI, the blockchain, and chatbot technology to mortgagetech, payments, and voice-enabled banking, the breadth of solutions and services shown over the past two days of our conference bodes well for the future of fintech. And be sure to join us Wednesday morning at 9:15 a.m. as we host our first-ever roundtable discussion featuring representatives from each of our Best of Show winning companies.

Notes on methodology:
1. Only audience members NOT associated with demoing companies were eligible to vote. Finovate employees did not vote.
2. Attendees were encouraged to note their favorites during each day. At the end of the last demo, they chose their three favorites.
3. The exact written instructions given to attendees: “Please rate (the companies) on the basis of demo quality and potential impact of the innovation demoed.”
4. The seven companies appearing on the highest percentage of submitted ballots were named “Best of Show.”
5. Go here for a list of previous Best of Show winners through 2014. Best of Show winners from our 2015 and 2016 conferences are below:
FinovateEurope 2015
FinovateSpring 2015
FinovateFall 2015
FinovateEurope 2016
FinovateSpring 2016
FinovateFall 2016
FinovateAsia 2016
FinovateEurope 2017
FinovateSpring 2017

FinovateFall 2017: Demo Days Review and Preview

The first day of FinovateFall 2017 is in the books. With 36 companies presenting their technologies live on stage Monday morning and afternoon, fintech fans were treated to an advance look at what our industry’s top executive and technical talent has to offer. If you missed our opening day of demos, don’t worry. We’ll have videos of each and every demonstration available in our video archives within the next few weeks.

As a refresher, here are the companies that demonstrated their technologies on Day One of Finovate Fall.

And below is the schedule for the companies that will be demonstrating their latest innovations on Tuesday, Day Two of our Demo Days presentations.

>> 8:45 to 10:15: Demo session 5 <<

>>10:15 to 10:45: Intermission & refreshments<<

>>10:45 to 12:05: Demo session 6 <<

>> 12:05 p.m. to 1:00 p.m. Buffet lunch <<

>> 1:00 p.m. to 2:20 p.m.: Demo Session 7 <<

>> 2:20 p.m. to 2:50 p.m.: Intermission & refreshments<<

>>2:50 p.m. to 4:10 p.m.: Demo Session 8 <<

>> 4:10 p.m. to 6:15 p.m.: Open bar reception, networking, and Best of Show presentation <<

Remember that after two days of live fintech demonstrations, FinovateFall 2017 continues on Wednesday and Thursday with two days of keynote addresses, panel discussions, roundtables and more. To get a peek at our expanded, Discussion Days schedule, check out our agenda for more.

Ready, Steady, Go! Welcome to FinovateFall 2017

FinovateFall 2017 drops on Monday – which means it’s rehearsal day here at the New York Hilton Midtown. And while the rest of the town is gearing up for the opening day of the NFL season, we’ve busy with tech checks, run-throughs, and all the preparations needed to ensure that our biggest FinovateFall to date will be our best FinovateFall yet.

And to help you make the most of your time here at our newly-expanded FOUR DAY conference, here are a few last-minute notes to keep in mind before you make your way to Manhattan.


This year, FinovateFall is a four-day affair, with two days of live demonstrations and two days of keynotes, panel discussions, and roundtables on many of the most critical issues and innovations in financial technology today. Check out the agenda and see what we’ve got planned for you.


FinovateFall returns to the New York Hilton Midtown, 1335 Avenue of the Americas, New York, NY 10019. The hotel is located in the heart of Manhattan and is readily accessible by public transportation.


FinovateFall begins Monday, September 11 and concludes Thursday, September 14. Live demonstrations will take place Monday and Tuesday. Keynotes and panel discussions will take place Wednesday and Thursday. Registration begins at 8am, with the first demonstrations beginning on Monday and Tuesday at 8:45am. On our Discussion Days, we will begin at 9am.


FinovateFall features more than 70+ fintech companies – both innovative startups and industry veterans – who will demonstrate their latest technologies live on stage during our Demo Days on Monday and Tuesday. During our Discussion Days on Wednesday and Thursday, you’ll hear from some of the leading thought leaders in the financial technology industry today. And with our newly-expanded format, look forward to joining upwards of 1,600+ of your fellow (and soror) fintech fans over the course of our four-day event.


FinovateFall provides fintech professionals with an opportunity to see the future of fintech today. The companies that demo their technologies live at Finovate conferences are the same innovators that financial institutions all over the world seek out for partnerships, collaborations, and insights into how to use technology to better serve, engage, and understand their customers and clients.


FinovateFall tickets are still available! Whether you’re focused on the live demonstrations during our Demo Days, looking forward to hearing from fintech visionaries during our Discussion Days, or planning to stay the whole week, visit our registration page today and save your spot.

This year we are offering a new way to help you and your colleagues make the most of our new, four-day Finovate experience. With our Split Your Ticket program, you can split the four-day conference with a colleague and pay just $700 more instead of paying the regular ticket price for each attendee. And, as always, group discounts are available, as well. Check out our FinovateFall registration page for more information.

Another way to maximize your participation at FinovateFall is to join the FinovateFall community on our event app. Keep up with the event agenda, network with fellow attendees, and learn more about our demoing companies, our Discussion Days speakers, as well as our sponsors and partners. The app is available at both Google Play and the Apple Store. Download. Log-in with your registration e-mail. And get social! If you have any difficulties with the app, please send us an e-mail at fall@finovate.com.

We’re looking forward to seeing you in New York!

What Does it Take to Be in the Audience of FinovateFall?

With four days of fintech demos, discussions, and networking, FinovateFall is our largest show yet (there’s still time to reserve your spot). Starting September 11 we’ll host two days of demos showcasing the newest in fintech, then launch into thought-provoking keynote and panel discussions from September 13 through 14. It’s all taking place at the Hilton Midtown Manhattan in New York.

The show is only two days away, and we’ve gathered a massive audience of fintech and banking players, media, and VCs from across the globe:

So what does it take to be a part of the audience at FinovateFall? Getting your ticket is the easy part. Now here is your attendee checklist for the week:

  1. Find the right outfit– should you dress up in a full suit or dress down with Chuck Taylors, jeans and a blazer?
  2. Remember your business cards
  3. Clap at least 36 times per day– once for each demo
  4. Hold off on the second round of dessert. The lemon cheesecakes are tasty, but if you eat the second one you may not be able to fit into tomorrow’s pants.
  5. Try not to be obvious when looking at someone’s badge because you didn’t remember their name the first time
  6. Keep up with all of the incoming LinkedIn requests (congratulations: you’re so popular!).
  7. Select your favorite demo for Best of Show. With so many good companies, it’s difficult to choose.
  8. Decide between wine or beer at happy hour. Wine can potentially stain your shirt but beer might fill you up too much (see point number 4). Teetotalers, don’t get off easy, either. Water, soda, coffee, tea … we’ve got plenty of choices to keep you hydrated during happy hour, as well.
  9. Try not to get so distracted by the free coat check that you lose your claim tag.
  10. Remember your hotel room number (it’s a prime number… is it 317 or 357?).

Think you have what it takes? Then join us!

FinovateFall Sneak Peek: RateSeer Technologies

A look at the companies demoing live at FinovateFall on September 11 through 14 in New York. Pick up your tickets today and save your spot.

RateSeer’s Denoti provides clients with customized up-to-the-minute detection and notification of changes to any number of thousands of market indicators on any device.


  • Instant detection and notification for 1,000’s of market indicators
  • Mobile access to user-defined, real-time actionable data
  • Sleek custom dashboards with simple market visualizations

Why it’s great
Denoti also offers custom data and visualization solutions with its technology, data, and infrastructure along with client data, optional smart news feeds, and predictive market analysis.


Donna Tilden, CEO and Founder
More than the stereotypical accountant, Tilden combined decades of financial services experience with her passion for innovative, accessible technologies, and wealth management excellence.


Brian Smith, Head of Business Development
Smith is a wildly successful West Coast entrepreneur with decades of sales and wealth management experience.

FinovateFall Sneak Peek: ITSector

A look at the companies demoing live at FinovateFall on September 11 through 14 in New York. Pick up your tickets today and save your spot.

ITSector is an IT company specializing in credit solutions and digital transformation.


  • Credit origination solution contemplating all stages of credit lifecycle and all types of credit
  • UI with bots and augmented reality
  • Proactive banking with instant messaging

Why it’s great
Flowcredit is a management platform to all credit contracting stages. It is the perfect banking solution for the entire credit lifecycle.


Sara Martins, Business Developer
With a background in management, Martins is responsible for exploring market opportunities and for building key customer relationships.


Ana Silva, Marketing Manager
Silva implements and executes ITSector’s strategic marketing plan, helping build brand value and increase sales.

FinovateFall Sneak Peek: Promontech

A look at the companies demoing live at FinovateFall on September 11 through 14 in New York. Pick up your tickets today and save your spot.

Are you ready for the next generation mortgage journey? PromonTech creates technology that lenders and consumers can use collaboratively, transforming the digital mortgage experience.


  • Allows lenders and their customers to move seamlessly between self-serve and loan officer-assisted processes
  • Offers an easy, visually-appealing drag-and-drop interface
  • Seamlessly feeds the downstream loan origination process

Why it’s great
Promontech promotes data quality and regulatory compliance through visual design, automation, and analytics. The result? A flexible delivery culture that champions velocity and quality.


Michael Kolbrener, Chief Technology Officer
Kolbrener has a diverse history creating technology solutions. He builds high-performance teams recognized for their leadership, technical expertise, and delivery.


Tony Pietrocola, Head of Sales
Pietrocola got his start as an Apple Computer Systems Engineer and has founded and grown two successful technology companies in fintech and SaaS software, including vLoan.com and Bridgeline Digital.