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Finovate Blog
Tracking fintech, banking & financial services innovations since 1994
The challenge of modernization remains a daunting one for many community banks and credit unions. Faced with the expense and risk of a “rip and replace” strategy on the one hand and a seemingly endless series of quick fixes, workarounds, and complex third-party relationships on the other, some financial institutions remain in a limbo of inaction.
To this end, the latest innovations from banking technology platform company Nymbus are a welcome development. In our interview with Nymbus CEO Jeffery Kendall, shared here, we talk about the current state of core banking systems, the innovative “sidecar” approach to core modernization that Nymbus offers, and the transition toward vertical banking which helps community financial institutions deliver differentiated solutions to a wider range of customers and members.
“We are a United States-focused banking technology platform. We work with community banks and credit unions (that) tend to be in the one to ten billion asset size; those are the customers we are able to help the most. We provide a full banking stack that allows them to run their core processing, their digital banking experiences, onboarding experiences … from one unified platform.”
Chairman and CEO of Nymbus since 2020, Jeffery Kendall has more than 20 years of experience in technology and financial services. He succeeded Scott Killoh, who founded the company in 2015. With Kendall as CEO, Nymbus has secured more than $123 million in funding courtesy of Series C and D rounds in 2021 and 2023, respectively. The company launched a Credit Union Service Organization (CUSO) in 2021, and has forged partnerships with financial institutions like PeoplesBank, VyStar Credit Union, and MSU Federal Credit Union.
A leading provider of banking technology solutions for financial institutions, Nymbus offers a full-stack banking platform for US banks and credit unions that helps them accelerate their growth and enhance their market positioning. The company modernizes legacy core systems for both brick-and-mortar and digital-first institutions. Nymbus also supports vertical banking strategies and the launch of subsidiary brands with a sidecar core alternative. The company is headquartered in Jacksonville, Florida.
Each year at FinovateFall, we look for new and exciting ways to showcase the breadth of fintech innovation that lies just below the radar of the mainstream fintech conversation. This year, we introduced The Impact Zone: a special program for fintech startups that gives them access to highly curated content and demos; unlimited high-level meetings with financial institutions, banks, credit unions, and venture capital firms; and a strategically located table outside the plenary hall to facilitate networking and maximum visibility.
“The Impact Zone debuted at FinovateFall this year, spotlighting eight startups with AI-driven solutions in bill management, wealth management, digital lending, and more,” Finovate VP and Director of Fintech Demos Heather Stowell explained. “Focused on growth and scaling, these innovators are ones to watch—expect to see them on the Finovate stage soon!”
Let’s meet the companies from FinovateFall 2025’s Impact Zone.
AiVantage
Headquartered in Vienna, Virginia, AiVantage provides credit unions, banks, and financial institutions with AI-powered solutions that help them improve efficiency, enable personalized customer engagement, and drive growth.
The company’s flagship solution, InteractiveAI, helps construct each customer interaction uniquely at scale to help financial institutions innovate and stay competitive. Karan Bhalla (LinkedIn) is CEO.
In June, AiVantage announced that it had secured a large strategic investment from Our Community Credit Union (OURCU). The amount of the funding was not disclosed. As part of the investment, OURCU will take a seat on the AiVantage CUSO board of directors.
Blue Street Data
Founded in 2022 and headquartered in Pittsburgh, Pennsylvania, Blue Street Data facilitates the process of finding, evaluating, and purchasing third-party data.
The company’s PQC Engine is an intelligent search platform that enables businesses to discover, compare, and buy high-quality datasets at the optimal price. Including use cases such as personalization, risk modeling, and market analysis, Blue Street Data’s technology helps financial institutions derive greater value from external data. Andy Hannah (LinkedIn) is CEO.
Earlier this year, Blue Street Data announced that it had joined the Sourcing Industry Group, also known as SIG|ORG, an international network for sourcing, procurement, and risk professionals. The company hopes its engagement with the group will elevate the standard for how organizations and businesses evaluate and transact with external data.
CloudBankin
CloudBankin offers an end-to-end cloud-based loan software solution to enhance digital lending. CloudBankin’s Loan Origination System enables a variety of financial institutions—including banks, NBFCs, and MFIs—to disburse loans in less than 10 minutes.
The company’s AI-powered lending agents monitor risk, improve decisioning, and enhance customer engagement across credit underwriting, fraud detection, document intelligence, repayment prediction, and collections. Mani Parthasarathy (LinkedIn) is CEO.
CloudBankin’s Loan Management System has delivered 97% operational efficiency, 50% reduction in time-to-market for product launch, 90% decrease in the data entry error, and 100% compliance with industry regulations. Founded in India, the company’s US headquarters is in Delaware.
Hansa
Hansa helps lenders report commercial payment data to business credit bureaus. The company serves as a single connection point to all major commercial bureaus and consortia to make it easier for businesses to access the best underwriting data and remain compliant.
Hansa’s technology automates many of the pain points of credit reporting to help reduce delinquencies and support credit-building for small business borrowers. Henry Magun (LinkedIn) is Founder and CEO.
Founded in 2023 and headquartered in New York, Hansa began this year with the launch of its enterprise solution for commercial loan payment reporting. The new offering consists of two key components: a data reporting system that simplifies reporting by transforming and transmitting CSV file and API request data to credit bureaus, and a borrower dashboard that gives borrowers greater transparency on how their payments affect their credit.
Moneylab
Moneylab offers an AI-powered platform that enables banks and credit unions to optimize the way they manage their assets and liabilities.
Headquartered in Vancouver, British Columbia, Canada, Moneylab gives Chief Financial Officers a solution that consists of a collection of AI agents and expert systems that specialize on specific processes such as compiling and writing variance reports, monitoring loan portfolios, and pricing securities assets in real time. Vincent Wong (LinkedIn) is Moneylab Co-Founder and Chairman.
Founded in 2019, Moneylab announced this spring that it had acquired strategic intellectual property from Carfang Group. The all-share transaction will complement Moneylab’s platform offering by providing historical and current data points and analytical processes.
Netswitch Technologies
Netswitch offers a prepaid and debit card processing solution with a built-in ledger that is specially designed for fintechs and sponsor banks.
The company’s platform features pre-configured card controls and compliance workflows. Its custom Large Language Model (LLM) supports quick configuration and faster UI development to ensure rapid onboarding. Kris Lakshmanan (LinkedIn) is CEO.
Founded in 2020 and headquartered in Lawrence, Kansas, Netswitch supports the issuance and processing of debit, virtual, corporate, and employee cards, as well as travel and gift cards.
Nextvestment
Nextvestment offers an AI-native engagement layer for wealth management teams. The platform’s conversational co-pilots transform client questions into trusted conversations, actionable insights, and portfolio guidance.
The technology enables financial advisors to better engage with clients and provide personalized service at scale. At the same time, Nextvestment empowers clients to examine and explore their portfolio and the markets on their own, with a seamless handoff to professional advisors when they need guidance the most. Michael Davies (LinkedIn) is CEO and Founder.
Launched in 2024 and headquartered in Singapore, Nextvestment announced earlier this year that it had joined the NVIDIA Inception Program. The free, virtual accelerator enables startups innovating in AI, data science, and high-performing computing to access NVIDIA developer resources and technical training, go-to-market support and expertise, and exposure to venture capital firms via the NVIDIA Inception VC Alliance.
TrieveTech
TrieveTech offers an AI-powered, multi-tenant, white-label platform that sits at the intersection of bill aggregation, payments, analytics, insights, and customer experience enhancement to enable Energy Service Companies (ESCOs) to easily and quickly brand, customize, launch, and integrate new products and solutions. John Mulcahy is President.
Launched in 2020, TrieveTech is headquartered in Akron, Ohio. The company’s technology helps firms lower overhead costs, reduce customer care needs, and increase customer retention, leading to greater profit margins.
At a time of uncertainty in both politics and policy, an entreaty to think about “what’s possible” might sound naive—if not terrifying.
Yet, at the onset of FinovateFall 2025, which just wrapped up last week, thinking about “what’s possible” was the challenge laid down by Finovate VP and Master of Ceremonies Greg Palmer. And to the delight of our FinovateFall audience, it was a challenge that our demoing companies, keynote speakers, and insightful panelists were more than ready to accept.
What we heard from the experts
What’s possible … AI as a tool to empower and augment human action was an especially persistent theme over the three days of FinovateFall. In fact, even our pre-conference, invitation-only, Leaders+ event on Sunday evening featured a reminder that AI was increasingly the tool of choice for those under 30 when it came to a range of financial tasks from establishing a budget to making better credit decisions. Crucially, as J.D. Power’s Jennifer White pointed out, Gen Z is using AI for answers to more immediate questions, not exclusively for long-term planning. For them, AI is a co-pilot rather than a forecasting or projecting tool.
This sentiment was elaborated on by Alex Johnson of Fintech Takes in his Analyst All Stars presentation Tuesday morning. Johnson took on the notion of AI as a tool for automation, suggesting instead that AI—and Large Language Models (LLMs) more specifically—be thought of as ways to augment human activity rather than replace it outright. Johnson underscored LLMs as “probabilistic guessing machines” rather than “determinist systems,” and explained that to the extent that the latter is what’s required in financial services, LLMs alone can fall short.
That said, Johnson noted that by applying LLMs in ways that maximize what they are good at, financial institutions can leverage processes like mortgage servicing to better understand the diverse and even niche preferences of their customers. This data can be used not only to introduce new products and services, but also to scale up entire new businesses built around these edge cases.
No conversation about AI at FinovateFall would be complete without a reference to Jon Lakefish’s return to the Finovate stage for another mind-bending conversation on the latest AI tools. His Wednesday morning keynote—Creating Trust and Loyalty through AI-Enhanced CX—helped attendees understand the powerful resources available to not only build new products, but also to discover what new solutions are possible given a deeper, AI-enabled analysis of a business, its customers, and goals. In less than five minutes, Lakefish showed how a variety of readily available AI tools could enable, say, a Finovate sponsor, to uncover and pursue a new niche product line. From the latest innovations in ChatGPT—”the LLM platform for almost everything”—to Manus.AI, the first publicly available Agentic AI platform Lakefish has felt comfortable showcasing, the message was clear: the world of what’s possible is becoming larger every day and AI is a primary resource for navigating and creating within it.
One telling insight shared during our Investor All Star panel at the end of Day Three underscored the power and potential for AI when it comes to emerging fintechs, in particular. During a discussion on which trends investors were most drawn to, our panelists cited fraud prevention and compliance technology among the most attractive areas for investment, with personal finance management (PFM)-related solutions increasingly less so. Nevertheless, panelist Lindsey Fitzgerald of Vesey Ventures noted that even within this group, it was possible for truly innovative startups to stand out if they are able to deploy enabling technologies like AI in new and novel ways. “AI changes the possibility of a startup being 10x better (than its rivals) in any category,” she explained.
What we saw from the innovators
I have long contended that the roster of companies that win Best of Show at Finovate conferences in any given year is as good a heat check on the state of fintech innovation as you’re likely to find. This year’s batch of FinovateFall Best of Show winners was no exception.
By theme, FinovateFall attendees were impressed by innovations in a wide range of areas. Nevertheless companies innovating in the fraud prevention space probably experienced the greatest amount of on-stage competition—a point I’ll return to. Kudos to Casap for standing out from an impressive pack with its technology that helps combat fraud, including an especially pernicious form of e-commerce crime called “first-party fraud.” Founded in 2023 and headquartered in New York, Casap recently raised $25 million in Series A funding for its payment dispute resolution solution.
Arguably the most compelling case for financial institutions to offer services like investments came from Eko CEO Mart Vos. His company, now a two-time Finovate Best of Show winner, provides a solution that enables financial institutions to integrate digital investing functionality directly into their platforms. Vos warned banks and credit unions not to be complacent as their customers open investment accounts with innovative brokerages like Robinhood. While mere brokerages today, many of these firms are looking at ways of expanding their banking offerings, or obtaining banking licenses outright. By integrating investment services into their platforms and making them seamlessly accessible, financial institutions incentivize customers and members to keep their funds “at home.”
Enabling more qualified borrowers to secure funding is a cause championed by many innovative fintechs and it is no surprise to see two such companies among this year’s Best of Show winners. This year at FinovateFall, New York-based Krida demonstrated its AI intelligence layer for business lending. The company’s solution leverages AI to provide bankers with automated workflows for document collection, lead tracking, and data management. This enables new bankers to be more effective sooner and empowers all bankers to spend more time with their client relationships and less time with paperwork. Hailing from the other side of the country, Irvine, California-based LendAPI is a super orchestration platform that enables CTOs, CROs, and CCOs to work together to build enterprise platforms. At FinovateFall, LendAPI CEO Timothy Li demonstrated how to use the technology to launch a 1003 mortgage application in minutes. Both Krida and LendAPI are newcomers to the Finovate stage.
Another Finovate newcomer to take home Best of Show honors from FinovateFall last week was VerticeAI. The Atlanta, Georgia-based fintech provides credit unions and community banks with tools for predictive analytics, AI-powered marketing content, and targeted customer acquisition. The company began the year announcing new partnerships with Texas-based Education Credit Union and North Carolina-based Duke University Federal Credit Union.
Last but certainly not least, it was great to see the positive impression LemonadeLXP made on our FinovateFall audience last week. A Finovate alum since 2022 and, like Eko, now a two-time Best of Show winner, LemonadeLXP offers a learning experience and digital adoption platform for both the staff and customers of financial institutions. At the conference, the Ottawa, Canada-based company demoed its InsightAI solution which enables firms to develop and deploy their own employee training programs.
Where we go from here
This year I was struck by the number and quality of solutions on display that were dedicated to fighting fraud and dealing with related concerns like dispute management and chargebacks.
Fraud prevention may not be the most glamorous corner of fintech. Fraud in the digital space is a persistent, if not growing, threat to all of us; someone very close to me lost their life savings in a phishing scam earlier this year. But it’s not something that we like to talk about very much. Victims feel shame. Institutions suffer reputational damage. Providers scramble to offer their own proprietary solutions. The fraud lifecycle, so to speak, is silent and siloed. And this makes fraud harder to fight.
Perhaps this is why some of the most novel technology innovations and business strategies are found among those engaged in the fight against fraud. Consider the aggressive deployment of AI to combat deepfakes or the increasingly common collaborations between institutions—particularly credit unions and community banks—to share best practices to keep their members and customers safe. At a time when personal security concerns are paramount—in financial services and beyond—it is heartening to know that so many of fintech’s best and brightest are on the case.
Congratulations to the six companies that won Best of Show at FinovateFall 2025 this week!
This year’s roster of FinovateFall Best of Show winners includes proven veterans that have earned Best of Show awards from Finovate audiences in the past, as well as companies new to Finovate who impressed our attendees with their live demonstrations of problem-solving innovations in fields ranging from digital banking and wealth management to financial education and AI-enabled data management.
Please join us in congratulating all of the companies that demoed their latest fintech innovations at FinovateFall this week. And with that, meet the winners of Best of Show for FinovateFall 2025!
Casap for its technology that helps financial institutions and fintechs lower operational costs and lift, curb fraud-related losses, accelerate resolution times, and strengthen customer relationships at scale.
Eko for its solution that enables clients to increase logins into digital banking by 4x and bank deposits by 11%, while reducing the likelihood of customers leaving their financial institution by 6x.
Krida for its technology that reduces cycle times, manual tasks, and borrower drop-off, giving banks a faster path to funded loans, higher throughput, and stronger community relationships.
LemonadeLXP for its InsightAI that improves staff and customer education and access to knowledge while driving significant operational efficiencies.
LendAPI for its cross-organizational collaboration tool where CTOs, CROs, and CCOs can all build an enterprise platform together.
Vertice AI for its innovation that leverages AI to translate data into personalized product and service recommendations, helping teams boost engagement, acquisition, and retention through smarter, hyper-targeted outreach.
We’d like to thank everyone who made FinovateFall 2025 such a great success: our sponsors, speakers and delegates who continue to make Finovate conferences must-attend events on the fintech calendar.
The next stop on the Finovate tour is sunny San Diego for FinovateSpring 2026. We look forward to seeing you there!
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 six 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 through 2025 conferences are below:
Eleven of the more than 60 companies that will be demoing their latest fintech innovations live on stage at FinovateFall next week are headquartered in countries other than the US.
This week’s edition of Finovate Global highlights these fintechs from the Middle East, Western and Central Europe, Canada, India, the UK, and Ireland. With innovations in fields ranging from wealth management and digital banking to fraud prevention and lending, this year’s roster of international alums is a reminder of the robustness of fintech innovation around the world.
FinovateFall 2025 comes to the New York Marriott Marquis in Times Square, September 8 through September 19. Tickets are still available. Visit our FinovateFall hub and save your spot today!
Founded in 2022, Aurem offers an intelligent operating system for retirement and wealth providers. Their platform helps institutions unify and optimize their products, processes, and data and deliver them globally in days.
Founded in 2020, Dimply enables organizations to optimize operations, enhance customer engagement, uncover growth opportunities, and accelerate digital transformation.
Founded in 2014, ebankIT empowers financial institutions to innovate quickly, reduce costs, and deliver personalized services across all channels, accelerating growth and future-proofing their digital strategy.
Founded in 2017, FintechOS enables banks and credit unions to launch any product faster, modernize customer experiences, and adapt quickly to market and regulatory changes—without replacing their core systems.
Founded in 2019, Keyless replaces outdated MFA with biometrics, improving UX and saving millions. One bank saved $3.5 million by eliminating call centers for OTP-based recovery.
Founded in 2018, LemonadeLXP’s InsightAI improves staff and customer education and access to knowledge, while driving significant operational efficiencies.
Founded in 2021, MoneyPlanned empowers institutions to offer intelligent, automated financial planning—boosting advisor efficiency, reducing cost-to-serve, and delivering personalized client experiences at scale.
Founded in 2015, OPL’s cash-flow-based lending helps banks transform their operations through agile lending, AI-driven insights, and intelligent credit underwriting—expanding credit access to SMEs.
Founded in 2019, R34DY helps organizations transform their business by taking the pain out of integrations and making it easy for business owners to create use cases and reduce time to market.
Founded in 2013, Sequretek provides AI-powered, continuous threat exposure management ensuring compliance, governance, and holistic threat visibility across cloud and on-premises systems.
Here is our look at fintech innovation around the world.
Latin America and the Caribbean
Mexico-based SME platform Kapital doubled its valuation to $1.3 billion upon securing up to $100 million in Series C funding.
Latin America’s largest insurtech, 180 Seguros, raised $9 million in funding.
Evertec acquired 75% stake in Brazilian fintech Tecnobank.
Asia-Pacific
Hong Kong-based stablecoin-powered cross-border payments infrastructure provider Obita announced $10 million in new funding.
International payment solutions provider dtcpay inked a Memorandum of Understanding (MoU) with the People’s Committee of Da Nang during Vietnam Blockchain Day.
Sub-Saharan Africa
Tanzania-based fintech NALA expanded into Kenya courtesy of a partnership with Equity Bank and Pesalink.
Ripplepartnered with Chipper Cash, VALR, and Yellow Card to make its USD-backed stablecoin Ripple USD (RLUSD) available to institutions in Africa.
Congolese fintech Maishapay earned a spot in Visa’s Africa Fintech Accelerator program.
Central and Eastern Europe
JPMorgan Chase announced plans to launch a digital bank in Germany.
Payments network TrueLayer went live in Poland this week.
Tietoevry Banking signed a SaaS agreement with IC Cash Services, its first foray into the German ATM market.
Middle East and Northern Africa
Israel-based fraud prevention innovator BioCatch and Nasdaq Verafin partnered to fight payment fraud.
Mastercard and Zain Cash teamed up to advance digital payments in Jordan.
Egyptian cross-border digital solutions provider Munify raised $3 million in seed funding.
What are you looking forward to most at FinovateFall next week (September 8 through September 10; New York Marriott Marquis Times Square)? Is it the 60+ live fintech demos that will hit the stage first thing Monday morning? Maybe it’s our keynote address on banks and stablecoins, or one of our executive briefings on community banking or AI in financial services? Maybe you’re one of the lucky ones invited to our special Leaders+ event Sunday evening?
Whatever you’ve got your sights set on, we’re thrilled to have you join us in New York for our annual fall conference. And to further whet your appetite for all things FinovateFall, here are a few exciting options to add to your agenda that Finovate attendees over the years have cited as among their favorites.
Tickets to the show are still available! Visit our FinovateFall registration hub and save your spot today!
Analyst All Stars: How financial services have been changed forever
FinovateFall always kicks off Day Two with our Analyst All Stars session. One of our most popular features, Finovate’s Analyst All Stars showcases three leading fintech analysts who take the stage for just seven minutes each to focus on a specific issue in our industry. Our expert analysts will share their insights on the trends that are impacting fintech today and driving the innovations of tomorrow. Tue, Sept 9. 9:05 am.
Tech Trends That Will Define Financial Services & Fintech into the Next Decade
The Bank of 2030—How to Move from a Product Centric Design to Life Stage Banking
Beyond the Application: Making Customer Onboarding More Effortless
Speaker-Led Lunch Discussions: A Taxing Time for Fintech: JPMorgan Data Fees & What it Means for Open Banking in the US
Our Speaker-Led Lunch Discussions are a great way to network and share insights with leading fintech analysts, founders, and executives on some of the most topical issues in fintech and financial services. This year, we’re focusing on the challenges that open banking is facing in the US—from JPMorgan’s threat to charge for access to consumer data to the regulatory battles in Washington, DC and in the courts. Tue, Sept 9. 12:40 pm.
Investor All Stars: In turbulent times, what is the outlook for the market & what does it mean for funding levels, valuations & the future of financial services? Looking to the future, how can niche product fintechs be turned into platform companies?
What is the current state of fintech funding? How will the policies of the Trump administration impact investment in growing fintechs? What can we expect in the M&A space? What areas of fintech are seeing the strongest investment and where are fintechs most vulnerable to funding shortfalls? Our Investor All Stars panel will tackle all these questions and more! Wed, Sept 10. 3:35 pm.
Featuring:
Josh Tanenbaum, Managing Partner, Rebalance Capital (moderator)
FinovateFall 2025 is just over a week away. Coming to the New York Marriott Marquis in Times Square, this year’s fall conference begins on Monday, September 8 and continues through Wednesday, September 10.
With more than 2,000 senior decision-makers, 60+ live fintech demos, and 475+ financial institutions represented—including all of the top 20 US banks—FinovateFall 2025 is set to be one of our biggest events to date. If you haven’t registered, there’s still time! Visit our FinovateFall hub and save your spot today.
To help you make the most of your visit, here’s a quick checklist of things-to-do and need-to-knows.
Get Connected
Be sure to download the ConnectMe app and set up your profile. You’ll be able to review the agenda, set your schedule for the week, and start networking.
For live updates, follow #FinovateFall on LinkedIn and X/Twitter.
FinovateFall 2025 will feature more than 10 hours of dedicated networking time. Keep an eye out for our interactive discussion tables, which are a great way to connect with peers and share insights on issues ranging from AI in financial services to the battle for deposits.
Registration opens each conference morning (Monday through Wednesday) at 8 am. Continental breakfast and coffee will be available in the networking area.
General sessions begin at 9 am each morning.
Highlights
Our live demos begin Monday morning and continue through Tuesday afternoon. The Best of Show awards presentation will take place Tuesday evening at 5:50 pm in the networking hall.
Be sure to check out some of our perennial attendee favorites including Analyst All-Stars on Tuesday morning at 9:05 am, our industry stages on Wednesday morning starting at 10:45 am, and our Investor All-Stars Panel on Wednesday afternoon at 3:35 pm.
Join us for book signings with Ben Feller, Jason Mikula, and Theodora Lau. And have a little fun in our networking area with a portrait from our onsite caricaturist or a magic trick from our award-winning strolling magician and mentalist!
Final notes
Please remember to bring—and wear—your badge every conference day. You’ll need it to enter the event.
Dress code is business casual to business formal.
Questions? Visit our team at the registration booth on site, or ask a Finovate team member for assistance.
We can’t wait to show you what we have in store for you this year! See you in NYC!
A look at the companies demoing at FinovateFall in New York on September 8 – 10. Register today using this link and save 20%.
EnFi
EnFiis an AI platform addressing challenges in data, risk visibility, and staffing within commercial lending.
Features
Delivers highly-accurate borrower data ingestion, classification, and spreading
Provides near-instant credit box fit analysis for deal screening
Offers automated portfolio monitoring that flags risks before they happen
Who’s it for?
Banks, credit unions, private credit funds, and fintech lenders.
Monkey Tech
Monkey Tech is a digital, transparent supply chain finance marketplace that is revolutionizing working capital through its auction-based multi-funder platform.
Features
Includes an auction-based marketplace with 115+ lenders
Provides 100% digital supplier onboarding in three clicks
Delivers a 36bps average rate reduction vs market
Who’s it for?
Monkey Tech connects large corporations, SMEs and their supplier networks with banks, credit unions, and institutional investment funds.
OmniAI
OmniAI accelerates borrower onboarding with AI agents that automate document collection, data verification, and intelligent follow-ups, delivering decision-ready data directly into underwriting.
Features
Guides borrowers from intake to underwriting via email, SMS, and voice
Collects documents and verifies data in real-time
Responds 24/7 and prevents borrower drop-off
Who’s it for?
Banks, credit unions, and non-bank lenders across SBA, equipment finance, real estate, and other lending verticals.
ONEBIT
ONEBIT is an AI-powered financial assistant that connects small business sales and banking data, delivering real-time insights, reports, and smarter tools for easier financial management.
Features
Delivers real-time financial insights across sales and banking
Automates reports and cash flow tracking
Simplifies decision-making for small business owners
Who’s it for?
Small-and-medium-sized business owners.
Sideko
Sideko significantly reduces integration time by allowing users to describe workflows in plain English and get back complete, production-ready integration code quickly.
Features
Produces production-ready integration code for internal and external use from a simple prompt
Shortens time to revenue and value
Offers zero-maintenance integrations that automatically stay current
Who’s it for?
Banks, financial institutions, insurance organizations, payment providers, SMBs, and startups.
WaveCX
WaveCX is a digital engagement layer for financial institutions, delivering interactive demos, AI-powered search, and personalized in-app content to drive adoption and reduce support costs.
Features
Streamlines banking tasks instantly with type-to-action interface
Reduces support costs and errors with AI-powered automation
Drives adoption and improves customer satisfaction with personalized recommendations
With FinovateFallright around the corner (September 8 through 10), we wanted to update you as we fill out the last spots on our speaker roster for the event. Today, as part of the Finovate blog’s Speaker Series, we’re showcasing a pair of presentations focused on advanced authentication strategies for identity verification and how AI can be effectively deployed to help enhance the lending journey. We’re also previewing a special fireside chat on the latest big developments on the open banking front.
If you haven’t bought your ticket yet, you’re in luck! Our registration discount ends on Friday so visit our FinovateFall registration page today and take advantage of big savings!
Frictionless by Design: How T-Secured Network Authentication Accelerates Digital Adoption
Mark Clancy, Senior Vice President of Cybersecurity, T-Mobile, will discuss the value of network-based authentication in a world of forgotten passwords, clumsy verification steps, and vulnerable SMS codes. Clancy will also show how network-based authentication verifies identity directly through the mobile network , requiring no passwords, no codes, and no extra clicks. Mon, Sep 8, 10:05 am.
At T-Mobile, Clancy spearheads the company’s strategy to safeguard consumer data and boost enterprise-wide security measures. Clancy has 25+ years of experience in information technology and cybersecurity, having held executive positions at Sprint, Citigroup, and the Depository Trust & Clearing Corporation.
Headquartered in Bellevue, Washington, and a self-described “Un-carrier,” T-Mobile provides an advanced 4G LTE and nationwide 5G network that offers reliable connectivity for 132+ million customers. A publicly traded company on the NASDAQ exchange under the ticker TMUS, the company has a market capitalization of $282 billion.
Autopilot Lending: The AI blueprint for seamless lending journeys
Sandeep Hinduja, Vice President and Head of Banking (Americas), Newgen Software Inc., will discuss how to automate the end-to-end lending journey with no manual touchpoints; deliver seamless, personalized onboarding across digital, mobile, and in-branch channels; and leverage AI for smart document management to ensure both security and accuracy. Tue, Sep 9, 2:55 pm.
As Head of Financial Services as Newgen Software, Hinduja oversees business strategy and operations across the United States and Canada, driving innovative solutions for lending, account opening, business process automation (BPA), enterprise content management (ECM), and customer communication management (CCM).
New Delhi-based Newgen Software offers an AI-first unified digital transformation platform that provides native process automation, content services, customer engagement, and AI/ML capabilities. The company’s low-code application platform enables companies to build and deploy complex, content-driven and customer-engaging business applications from the cloud.
Will JPMorgan’s data war kill fintech innovation?
Lastly, I want to call your attention to a very special late addition to the FinovateFall lineup. Jim Marous—co-publisher of The Financial Brand, owner and publisher of the Digital Banking Report, and host of the Banking Transformed podcast—will speak about the state of open banking in the US today. Wed, Sep 10, 1:45 pm.
From JPMorgan’s announced plans to begin charging for access to customer data to Visa’s report that it is shuttering its open banking division, the drive to bring open banking to the US feels as if it is at a major crossroads.
Presented as a Fireside Chat, this discussion with banking and fintech veteran Marous will give delegates a greater understanding of the issues involved in the fight to make open banking a reality here in the States.
A look at the companies demoing at FinovateFall in New York on September 8 – 10. Register today using this link and save 20%.
AirKey
AirKey, developed by Capital One, turns bank-issued cards into hardware tokens for authentication and identity verification.
Features
Customers who activate their card with AirKey experience up to 20% lower transaction fraud, report higher NPS scores, and more.
Who’s it for?
Banks, credit unions, and any credit or debit card issuer.
Anonybit
Anonybit delivers privacy-preserving biometric authentication for fintech and banking, securing all touchpoints including enabling AI agents to prevent account takeover, fraud, and scams.
Features
Provides built-in integrations to online banking platforms
Delivers seamless, privacy-preserving authentication at every touchpoint
Manages blocklists, self-service account recovery, and tokens
Who’s it for?
Banks, credit unions, fintechs, payment providers, and enterprises.
Aurem
Aurem is an AI-powered operating system for retirement and wealth providers, unifying products, processes, and data to cut costs, simplify operations, adapt to regulation, and scale growth.
Features
Cuts costs
Eliminates inefficiency
Equips retirement and wealth providers with intelligence, automation, and adaptability to scale in a changing world
Who’s it for?
Banks, recordkeepers, and RIAs.
Casap
Casap’s AI-driven platform helps financial institutions and fintechs intelligently tackle the growing issue of first-party fraud and automate their disputes to improve operations.
Features
80% of dispute cases automated
85% reduction in processing time
40% decrease in customer contacts
51% reduction in write-offs/losses, improving NPS scores
Who’s it for?
Banks, credit unions, and fintechs.
Chimney
Chimney uses industry leading property data and award winning technology to generate real estate loans at lower costs with fewer staff required.
Features
Enriches existing systems, core, and CRM data with real-time property data
Uses propensity modeling and scoring to predict borrowers
Who’s it for?
Banks, credit unions, digital banking providers, and fintech partners serving homeowners.
Decisionly
Decisionly automates disputes for card issuers, using AI to drive scalable, compliant, and cost-effective dispute operations.
Features
Intelligent intake: Provides real-time validation at intake
Robust evaluation: Automates custom workflows to improve accuracy
Faster resolution: Improves cardholder experience and deadline compliance
Who’s it for?
Card issuers including banks, fintechs, and processors.
Krida
Krida is an AI intelligence layer for commercial banking, removing lending bottlenecks and delivering real-time insights that deepen relationships, boost revenue, and accelerate growth.
Features
Automates document collection, data extraction, and credit materials
Uses a self-serve borrower intake with instant feedback
Equips bankers with insights for faster, more confident lending decisions
Who’s it for?
Banks, credit unions, venture lenders, and non-bank lenders.
It’s official! The FinovateFall 2025 demo lineup has reached full capacity with 64 innovative technologies selected, bringing together an impressive array of established players and promising newcomers at the New York Marriott Marquis over September 8 through 9.
This year’s complete lineup represents the full spectrum of financial technology innovation. From emerging AI agents to next-generation payment and banking technologies, the 64 selected companies will demonstrate technologies addressing the most pressing challenges in financial services today.
Max Capacity = Max Innovation
For those who haven’t secured their spot yet, this Friday, August 29 is the last chance to save. Book your pass today.
A look at the companies demoing at FinovateFall in New York on September 8 – 10. Register today using this link and save 20%.
Conductiv
Conductiv helps lenders find more good loans, approve them faster, and grow portfolios safely using AI and permissioned data orchestration.
Features
Prevents fraud
Identifies charge offs before they happen
Finds new good loans hidden within existing loan applications
Who’s it for?
Banks and credit unions that make retail, SMB, and commercial loans.
Dimply
Dimply is an intuitive AI experience engine for builders in financial services to create, own, and evolve customer experiences, turning any data into personalized experiences, ready to embed instantly.
Features
Allow teams closest to customers to own the experience
Bring APIs in real-time to orchestrate data
Deliver personalized journeys inside existing apps and sites
Who’s it for?
Banks, credit unions, insurers, pension providers, wealth managers, and other financial services providers.
ID-Pal
ID-Pal’s ID-Detect is an additional layer of verification applied to every submission that accurately detects the most common type of AI document fraud, like synthetic IDs and portrait swaps.
Features
Confirms presence of physical, real ID vs. deepfake
Detects AI-manipulated IDs instantly and removes risk of fraud
Delivers seamless onboarding of real users and reduces false-positives
Who’s it for?
Credit unions, community banks, payment providers, wealth management firms, fund admins, merchant acquirers, and financial service providers.
Kaaj AI
Kaaj AI agents turn messy small business loan packages into clear, holistic risk assessments in just three minutes, helping lenders close ten times more loans.
Features
Delivers an end-to-end small business loan assessment in three minutes
Provides holistic credit and fraud risk insights with ready-to-review credit memos
Offers AI agents for loan officers, sales, and credit teams that unlock ten times more loans
Who’s it for?
Banks, credit unions, and small business lenders.
Payfinia
Payfinia’s composable QR payment service, built with Matera, allows FIs to deliver secure, instant QR code payments across FedNow, RTP, ACH, and digital asset platforms.
Features
Delivers instant, secure bank-to-bank payments via QR codes
Works across FedNow, RTP, ACH, or digital assets
Ensures safe, real-time transactions with native fraud controls
Who’s it for?
Credit unions, community banks, digital banking platform providers, and fintechs.
Scamnetic
Scamnetic offers cutting-edge, globally patented AI solutions that detect, prevent, and stop scams in real time, protecting identities and communications everywhere.
Features
KnowScam 2.0: Provides real-time scam detection across multiple channels
IDEveryone™: Delivers instant identity verification to prevent impersonation
Enhanced AI: Uses deepfake detection with actionable insights
Who’s it for?
Banks, credit unions, payment providers, fintechs, SMBs, and individuals.
Vertice AI
Vertice AI empowers community FIs with predictive analytics that transform data into actionable insights, driving smarter, measurable growth.
Features
Delivers AI-powered insights for precise customer targeting, boosting acquisition and cross-selling
Provides automated, personalized campaigns that maximize engagement
