FinovateSpring 2025

FinovateSpring 2025: Women in Fintech, Financial Inclusion, and the State of Community Banking

FinovateSpring 2025: Women in Fintech, Financial Inclusion, and the State of Community Banking
By David Penn Posted on
Categories: FinovateSpring 2025, List series

This year, FinovateSpring will feature a trio of Executive Briefings offering insights into key topics in fintech and financial services.

Featuring panels of industry professionals and moderated by veteran analysts and entrepreneurs, FinovateSpring’s Executive Briefings are an excellent opportunity for attendees to participate in deep-dives and extended discussions on specific issues—and take away significant insights and strategies for action.

Tickets for FinovateSpring are still available. Visit our registration hub today and save your seat!

Wednesday morning, FinovateSpring will host its Women in Fintech Executive Briefing. Titled “How we can solve fintech’s gender diversity problem,” this session will look at the current state of gender diversity in fintech and offer insights into strategies to ensure greater participation by women in financial services and foster female leadership in the industry.

Moderated by Liang Zhao, CEO and Founder of Vansary, this session will feature:

Wednesday afternoon, FinovateSpring will feature its Financial Inclusion Executive Briefing, “How can banks capture the huge growth opportunity offered by this new customer base?”

This session will examine the challenges faced by the unbanked and review ways that banks and other financial institutions can help more individuals and small businesses improve their financial wellness by establishing a positive banking relationship.

Moderated by Jim Perry, Senior Strategist, Market Insights, this session will feature:

  • Priscilla O-lyari, Regional Marketing and Communications Outreach Officer, FACE Coalition

Thursday afternoon, FinovateSpring will present its Community Banking Executive Briefing, “The Common Storm for Community Banks: How can they find a path to change and compete in the new digital world?”

In this briefing, panelists will discuss the challenges and opportunities faced by community banks in America today, and where these key financial institutions should turn in terms of growing their customer bases, introducing new technologies, and competing with larger rivals in finance and even Big Tech.

Moderated by Jason Henricks, CEO, Alloy Labs, this panel will feature:

  • Pam Kaur, Head of Bank Technology, BankTech Ventures

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FinovateSpring 2025 Sneak Peek Series: Part 7

By Madeline Clines Posted on
Categories: Auditive, Bolder Money, Contour, FinovateSpring 2025, FinovateSpring 2025 Sneak Peek, Hyperdesk, Invesst, OnestPay, Stack AI

A look at the companies demoing at FinovateSpring in San Diego on May 7 – 9. Register today using this link and save 20%.

Auditive

Auditive allows financial institutions to onboard third parties or vendors 4x faster while monitoring risk confidently and continuously.

Features

  • Measures third-party risk
  • Monitors risk continuously
  • Showcases vendor risk posture
  • Processes RFPs faster

Who’s it for?

Financial institutions, banks, and credit unions.

Bolder Money

Bolder Money helps banks become leaders in the relationship banking revolution with an easy-to-implement, all-in-one platform that meets customer needs.

Features

  • Provides personalized, step by step financial guidance
  • Offers real-time insights on balances and spending
  • Delivers product recommendations in the moment of need

Who’s it for?

Community banks and credit unions.

Contour

Contour delivers remarkably human AI voice and chat assistants to handle complex customer inquiries 24/7, reducing support costs while improving customer satisfaction.

Features

  • Provides human-sounding voice interactions 24/7, eliminating IVR menus and hold times
  • Takes real actions to auto-resolve customer issues
  • Securely integrates with existing systems for easy deployment

Who’s it for?

Banks, credit unions, and consumer fintechs.

Hyperdesk

Hyperdesk is an AI sales agent and CRM that finds and qualifies local business leads for banks so that their teams can close more deals, faster.

Features

  • An AI sales agent that finds leads for users
  • A search engine that helps banks pull in more leads
  • An AI-first CRM purpose-built for banks

Who’s it for?

Banks and credit unions that offer business lending.

Invesst

Invesst compresses hours of research into minutes, automating analysis, valuation, memo creation and more for investors, analysts, and advisors desiring speed, precision, and freedom from terminals.

Features

  • Unifies brokerages, APIs, and market data into one compliant AI platform
  • Automates up to 70% of investment research workflows

Who’s it for?

Investors, analysts, financial advisors, research teams, RIAs, asset managers, hedge funds, fintech platforms, and firms.

OnestPay

OnestPay™ is a next-gen payment system replacing gift cards with flexible merchant credits—buy at a discount, earn bonuses, and use, gift, trade or pool credits online or in-store.

Features

  • Customers save with discounts and flexible use of credits
  • Merchants boost revenue, cut fees, and control loyalty
  • Both gain a smarter, more rewarding payment experience

Who’s it for?

SMBs, retail chains, banks, fintechs, consumers, nonprofits, and loyalty providers.

Stack AI

Stack AI is an enterprise platform allowing organizations to build and deploy autonomous AI agents for customer support, data analysis, workflow automation, and other tasks.

Features

  • Build AI agents quickly with no-code tools
  • Automate workflows across departments
  • Secure deployment with enterprise-grade compliance

Who’s it for?

Any enterprise looking to automate workflows.

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People Get Ready: FinovateSpring 2025 Comes to San Diego Next Week

People Get Ready: FinovateSpring 2025 Comes to San Diego Next Week
By David Penn Posted on
Categories: FinovateSpring 2025

FinovateSpring 2025 launches next week, May 7 through 9, at the Sheraton San Diego Hotel and Marina in San Diego, California. The event will be Finovate’s first conference in Southern California and we can’t wait to share what we have in store.

Registration is still open. If you have not picked up your ticket yet, then be sure to stop by our FinovateSpring 2025 registration hub and save your spot.

There’s so much going on in fintech right now, from the rise of AI-powered banking solutions to the challenge of managing a dramatically shifting regulatory environment. Here are some last-minute details to help you make the most of your visit to this year’s FinovateSpring.

Get Connected

Our ConnectMe app is a great way to track the conference agenda, set up your schedule, and network with your fellow attendees. Download the ConnectMe app and build your profile today.

What, Where and When

Each day of FinovateSpring begins at 8am with registration, breakfast, and networking. A light breakfast will be served in the exhibition hall, and sponsor booths will be open for networking.

The general sessions for all three days begin at 9am with remarks from Finovate Vice President Greg Palmer.

Demos will be presented on Wednesday, May 7 (Day One) and Thursday, May 8 (Day Two) of FinovateSpring. The Best of Show winners will be announced at 5pm on Day Two.

Special highlights

FinovateSpring will hold its special, invitation-only, Leaders+ event on Tuesday, May 6th. This session, curated for senior executives from banks, credit unions, insurers, and asset management offices, will feature keynotes, fireside chats, special addresses, and a networking opportunity at the end of the evening. To learn more about the program, including eligibility requirements and opportunities to apply, contact our event VIP Relationship Manager at [email protected].

Interested in learning more about deploying AI in financial services? FinovateSpring is hosting an exclusive, closed door AI Business Briefing for banks and financial institutions Wednesday afternoon, May 7th. Featuring experts from VASS Intelygenz, VASS FSI, Banco Popular, and McKinsey & Company, this session will discuss how banks and fintechs are leveraging AI-powered solutions to unlock new revenue streams and cut costs. Contact [email protected] for eligibility and invitation information.

Also on Wednesday afternoon, FinovateSpring will feature its Credit Union Spotlight. This special event is a unique opportunity for our credit union attendees to meet with fintechs who are building solutions specifically designed for credit unions and their members. Credit union attendees will also have an opportunity to meet, learn, and network with each other at the end of the session.

Interested? Reach out to [email protected] for details on eligibility.

Last-minute reminders

Bring your badge / Wear your badge. Make sure you’ve got your badge on when at the conference. It’s your key to entry and the easiest way to be recognized by your fellow attendees!

Business casual to business formal is the dress code for the event. Save the shorts, sandals, and sunglasses for poolside.

We look forward to seeing you next week in San Diego for FinovateSpring! Travel safe—and don’t forget your sunscreen!

Questions? Reach out to us at [email protected].

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FinovateSpring 2025 Sneak Peek Series: Part 6

By Madeline Clines Posted on
Categories: Accend, Casca, Cascading AI, CoHome, Crosswise, FinovateSpring 2025, FinovateSpring 2025 Sneak Peek, Instarails, Parcha

A look at the companies demoing at FinovateSpring in San Diego on May 7 – 9. Register today using this link and save 20%.

Accend

Accend is an AI-powered, human-in-the-loop platform that delivers accurate, same-day financial spreading and analysis.

Features

  • AI-driven financial spreading with human validation for 100% accuracy
  • Same-day turnaround across all formats and geographies
  • Built-in credit memo, ratio analysis, and benchmarking

Who’s it for?

Commercial banks, community banks, credit unions, B2B fintechs, etc.

Casca

With Casca, FDIC-insured banks and non-bank lenders fund small business loans in under seven days with 90% workflow automation, reduced costs, and thousands of hours in operational efforts reclaimed.

Features

  • Automates document collection, saving 20 hours per week
  • Reads 10,000 pages in five minutes
  • Provides instant pre-qualification
  • Accepts applications 24/7 (63% come in after business hours)

Who’s it for?

Banks, community banks, credit unions, and non-bank lenders.

CoHome

CoHome aims to simplify real estate investing through affordable, fractional ownership—giving more people chances to own and benefit from property investments.

Features

  • Turns student rent into equity through co-ownership
  • Unlocks passive income from high-demand college housing
  • Enables banks to tap into a $55B new market

Who’s it for?

Individual real estate investors.

Crosswise

Crosswise is pioneering the future of compliance and risk management. Their agentic AI platform enables companies to build compliance documents and workflows in minutes.

Features

  • Provides AI-powered workflows for quicker compliance, improved cost efficiency, and risk reduction
  • Offers real-time regulatory intelligence
  • Delivers agentic execution of complex compliance tasks across verticals

Who’s it for?

Banks and large fintech companies.

Instarails

Instarails empowers financial institutions and businesses with a proprietary payment network that delivers instant, compliant global transactions with built-in fraud protection.

Features

  • Delivers instant global payments via bank accounts, e-wallets, and cash payout
  • Utilizes a single API connection with no additional infrastructure needed
  • Provides a white-label solution with automated compliance and fraud checks

Who’s it for?

Financial institutions and businesses requiring efficient international B2B, B2C, and C2C payment capabilities.

Parcha

Global banks and fintechs use Parcha to automate KYC/B manual reviews, accelerating account opening, increasing efficiency, and reducing costs.

Features

  • Create, test, and deploy AI agents for compliance in minutes, not hours or weeks
  • Automate any compliance workflow in one platform
  • Integrate with existing account opening systems

Who’s it for?

Small-to-medium-sized banks, global fintechs, and payment platforms.

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AI, Empathy, and Leadership: 5 Questions for Tech Product Manager Bhoomika Ghosh

AI, Empathy, and Leadership: 5 Questions for Tech Product Manager Bhoomika Ghosh
By Julie Muhn (@julieschicktanz) Posted on
Categories: FinovateSpring 2025, Interview, List series

AI is reshaping not just products but the very way product teams operate. To explore how the rise of AI is changing the role of the product manager, we sat down with Senior Tech Product Lead Bhoomika Ghosh. to get a better idea of the necessary balance between data and human intuition, and what ethical leadership looks like in the AI era.

A passionate technologist with a background spanning engineering, consulting, and product management, Ghosh has led product innovation at the intersection of AI/ML and customer experience. Her fascination with technology’s ability to solve human challenges began early in her career, wherein as an undergraduate, she developed an application that transformed 2D MRI slices into 3D models, helping doctors accurately identify tumor locations and volumes. This early venture sparked Ghosh’s passion for building technology that creates meaningful impact efficiently, and at scale.

We’re thrilled to feature her insights ahead of her appearance at FinovateSpring, where she will speak on the panel exploring gender diversity and responsible AI leadership.

AI is changing how products are built, but how is it changing how product managers operate? 

Bhoomika Ghosh: The evolution of product management in this AI era has been nothing short of transformative. While our north star as a product manager (PM) remains unchanged—i.e., solving customer problems and delivering utmost value to customers—what has shifted is how we navigate towards that vision with AI. I see two dimensions of AI transformation within the product management space: first, we see a rise in product managers who leverage AI as a productivity accelerator. Tools like Bolt and Cursor are revolutionizing our prototyping capabilities, reducing prototype development cycles from weeks to mere hours, and initial design times by 35%. This efficiency gain allows PMs to invest more time in understanding deeper emotional user needs and ensuring our products create genuine value. Second, we see AI-enhanced PMs, who are using AI to fundamentally transform customer experiences in ways we never imagined. For example, Microsoft’s 365 Copilot leverages AI to revolutionize customer service interactions, which resulted in a 40% reduction in resolution time through AI-powered insights and recommendations. Looking ahead, I see AI enhancing our ability to make better quality and higher quantity decisions faster and evolve with customers in real time to deliver what matters the most to them.

What role does human intuition play in AI product management? 

Ghosh: In today’s rapidly evolving tech landscape, AI adoption has surged from 33% to 65% in just the past year—making the role of human intuition in product management more crucial than ever. While AI excels at processing vast amounts of data and automating routine tasks, our uniquely human capabilities of judgment, critical thinking, and empathy remain irreplaceable. Take the evolution of customer service chatbots, for instance. While AI can handle >50% of routine inquiries, it’s the human product managers who recognize that customers need occasional human intervention for complex emotional situations, leading to hybrid human and AI solutions. This exemplifies what I call the “PM’s AI Trilogy of Responsibility,” where product managers in the AI world are now responsible to safeguard customer trust, ensure scalable efficiency, and measure genuine success beyond just automation metrics. The irony isn’t lost on me that in pursuing “artificial” intelligence, we’ve heightened the importance of “human” intelligence.

Let’s talk leadership. How do you think the rise of AI is reshaping what good leadership looks like in product and technology teams? 

Ghosh: In the AI era, product and technical leadership demand a fundamental reimagining of how we guide teams and build products. What’s fascinating is that while 92% of global business leaders report positive ROI from their AI investments, success isn’t purely about technological implementation—it’s about creating an environment where both innovation and ethical considerations flourish. We see that the most successful AI products emerge from teams where leaders have mastered the delicate balance between data-driven decision-making and human empathy. Take Netflix’s AI-powered recommendation system, which generates $1 billion in annual value not just through algorithmic excellence, but through leaders who understood the critical intersection of technical capability and user psychology. This exemplifies how modern tech leadership requires a dual focus: pushing technological boundaries while staying deeply anchored in customer impact and responsible AI practices. As we navigate this transformation, I also see good leadership exuded in a way where teams are taught to watch over their shoulders and think beyond the happy path scenarios. For instance, what happens if AI was to fail? What would be your contingency plans? These tenets will help leaders foster an environment where teams feel empowered to innovate responsibly, ensuring our products genuinely enhance human experiences.

Many industries beyond big tech are leveraging AI. What advice would you give to product teams in a traditional industry like finance who are building their first AI-driven solutions? 

Ghosh: The financial sector’s AI transformation offers powerful lessons for product teams embarking on their AI journey. While our brains might be the most sophisticated decision-making system, AI serves as a powerful amplifier of human capabilities, particularly in areas like fraud detection, personalized banking experiences, and risk assessment. In my experience, the key to approaching AI implementation is to solve specific customer pain points, and not solely use it as a technological showcase or a competitive advantage. I suggest AI implementation using a three-pronged approach. First, start with well-defined, high-impact use cases where AI can demonstrably improve customer experience rather than implementing AI for its own sake. Second, build cross-functional teams that blend domain expertise with AI capabilities. For instance, when developing AI-powered fraud detection systems, its combination with financial security expertise and machine learning capabilities enables real-time transaction monitoring and anomaly detection, protecting both customers and institutional integrity. Finally, and most crucially, establish robust feedback loops with your customers early in the development process. I often challenge teams to consider, “How would this feature feel to a user having their worst day?” This perspective is particularly vital in finance, where AI decisions can significantly impact people’s lives. I’ve seen the most successful AI adoption use cases aren’t simply using the technology, but rather building trust through it using transparent, ethical, and user-centric solutions.

Finally, what aspect of FinovateSpring are you most looking forward to? 

Ghosh: I’m particularly excited about participating in the gender diversity panel at FinovateSpring, where we’ll explore the crucial intersection of diverse leadership and responsible AI development across industries. As a woman leader in tech, I advocate that diverse voices in product development aren’t just about equity or quotas, but rather about building better, more comprehensive solutions that serve entire customer bases. Beyond the panel, I’m looking forward to engaging with fellow industry leaders about responsible AI implementation in fintech. As we see AI adoption in financial services growing at an unprecedented rate, the conversations around ethical AI development and secure deployment become increasingly critical. I’m eager to both share insights from successful AI implementations I’ve seen and learn from other organizations’ experiences in navigating this complex landscape.

Don’t miss your chance to hear Bhoomika Ghosh, along with a wide range of other thought leaders and experts, on the FinovateSpring stage next month on May 7 through 9. Tickets are now available!

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FinovateSpring 2025 Sneak Peek Series: Part 5

By Madeline Clines Posted on
Categories: Félix, FinovateSpring 2025, FinovateSpring 2025 Sneak Peek, Herd Security, Intellect Design, Quavo Fraud & Disputes, QuickFi, Quivly AI

A look at the companies demoing at FinovateSpring in San Diego on May 7 – 9. Register today using this link and save 20%.

Félix

Félix enables financial platforms to offer seamless cross-border payments via WhatsApp, combining embedded finance with a fast, familiar, and conversational user experience.

Features

  • Enables cross-border payments for users directly from banking platform or wallet
  • Unlocks new revenue streams through remittances
  • Supports fast, easy, and secure integration with minimal lift

Who’s it for?

Banks, credit unions, community banks, wallets, and digital banks.

Herd Security

Herd Security is a security awareness platform designed to train users on the dangers of deepfakes through modules and AI-based simulations.

Features

  • Provides engaging, micro-based cyber training
  • Delivers user metrics proving behavior change
  • Offers patented voice deepfake defense

Who’s it for?

Banks, credit unions, fintechs, or any other business looking to meet security awareness and compliance needs.

Intellect Design

Intellect Design’s CoDeXa is a no-code platform that empowers banks to quickly create and launch fully functional, role-based digital journeys, streamlining processes without development or IT involvement.

Features

  • No-code platform: Build digital journeys quickly without coding
  • End-to-end integration: Seamlessly integrate UI, APIs, and data models
  • Fast deployment: Launch corporate journeys in days, not months

Who’s it for?

Banks and credit unions.

Quavo Fraud & Disputes

Quavo Fraud & Disputes’s QFD® simplifies fraud and dispute management with end-to-end automation powered by proven AI, helping issuers reduce losses, ensure compliance, and restore financial trust.

Features

  • Choose from three AI levels to match automation needs
  • Automate non-actionable customer emails, like auto-replies and withdrawals
  • Intelligently guide users through merchant representment

Who’s it for?

Issuing banks, fintechs, processors, and credit unions of all sizes — anyone subject to regulation E/Z dispute resolution or serving institutions subject to it.

QuickFi

QuickFi is the first and only embedded finance platform in the market for secured commercial equipment lending.

Features

  • 100% digital, end-to-end borrower self-service with 24/7 access
  • Automated credit, contract structuring, business verification, and compliance
  • Complete transactions in minutes vs. days or weeks

Who’s it for?

Banks, equipment manufacturers, and equipment distributors.

Quivly AI

Quivly is an AI0-native revenue management platform. AI agents help post sales teams drive customer value and revenue with customer health insights, expansion, and retention opportunities.

Features

  • Automates operations workflows with AI agents
  • Embeds AI fields and tables into existing systems
  • Consolidates account views across CRM, data warehouse, billing, and customer support systems

Who’s it for?

Fintechs and B2B software companies (mid-market to enterprise).

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8 Key Trends to Watch at FinovateSpring 2025

8 Key Trends to Watch at FinovateSpring 2025
By Julie Muhn (@julieschicktanz) Posted on
Categories: FinovateSpring 2025

This year at FinovateSpring, we’re seeing a strong convergence of fresh technologies and real-world financial use cases. From embedded finance to AI-powered risk management, the innovation that will be on display during the event, which takes place May 7 through 9 in San Diego, is a signal of the rapidly evolving needs of both financial institutions and their customers. We analyzed the key themes across this year’s 40+ participating demo companies and uncovered eight standout trends shaping the future of fintech.

AI and Machine Learning Are Everywhere

AI is evolving from a nice-to-have feature into a foundational technology. This year, 15 companies are showcasing solutions powered by AI or machine learning to drive personalization, automation, and real-time decision-making. Whether it’s fraud detection, customer engagement, or operational efficiency, companies like APIMatic, Casca, Cinareo Solutions, Cratoflow, Crosswise, Crux Analytics, Illuma, Layerup, Parcha, Quavo Fraud & Disputes, QuickFi, Quivly AI, Solda.ai, Stack AI, and Winnow are showing that AI is the engine behind scalable, modern finance.

Digital Transformation Goes Deeper

As financial institutions continue to modernize, digital transformation is expanding beyond the basic front end changes we saw in 2020. Tools supporting the developer experience, infrastructure, and process redesign are now in the spotlight. Companies like APIMatic, Anonybit, Cinareo Solutions, Illuma, Intellect Design, Kaian, Layerup, Penny Finance, QuickFi, ReSight, Solda.ai, and Stack AI are helping banks shift to cloud-based, API-driven, and future-ready environments.

Consumer Banking is Getting Smarter

Consumer-focused solutions are trending with 10 companies offering innovations in retail banking. From improved digital experiences to smarter customer onboarding, companies such as Anonybit, Bits of Stock, CoHome, Hive Technologies, Instarails, Kaian, Parcha, Penny Finance, SuperMoney, and Winnow are reimagining how consumers interact with their banks.

Embedded Finance Gains Momentum

Embedded finance is enabling a broader range of companies– both financial and non-financial– to provide an increasingly diverse range of financial services. Nine companies, including APIMatic, BankShift, Casca, CoHome, DashDevs, Express Wages, Félix, QuickFi, and TAPP Engine are enabling financial services to be embedded within broader customer journeys in areas ranging from e-commerce to payroll to enterprise tools.

Payments Innovation Is Accelerating

From real-time disbursements to smarter infrastructure, payments remains a top priority. Companies like APIMatic, Cratoflow, DashDevs, Express Wages, Félix, Hive Technologies, Instarails, Intellect Design, and Quavo Fraud & Disputes are focusing on speed, transparency, and compliance across the payments stack.

Customer Acquisition Is Being Reimagined

Nine firms are focusing specifically on helping financial institutions attract, convert, and retain customers more effectively. Expect to see data-driven onboarding tools, personalized product recommendations, and engagement platforms from innovators like BankShift, Cinareo Solutions, CoHome, Covet, Crux Analytics, Layerup, Penny Finance, Solda.ai, and SuperMoney.

Business Banking Is Getting a UX Overhaul

Small and mid-sized businesses have historically been underserved when it comes to having an elegant banking user experience. This year, companies like Anonybit, Casca, Crux Analytics, Instarails, Intellect Design, Parcha, Winnow are presenting tools built to streamline onboarding, lending, and money movement for the business banking segment.

Security, Identity & Compliance Stay Front and Center

As fintech grows more sophisticated, so do fraudsters. Six companies—including Anonybit, DashDevs, Herd Security, Illuma, Solda.ai, Stack AI, Crosswise, Quavo Fraud & Disputes, ReSight, and Winnow—are focusing on identity verification, AML, and regulatory compliance to ensure security doesn’t fall behind innovation.

FinovateSpring is more than a showcase of new technology, it’s a preview of where the industry is headed. These trends reflect the real challenges and opportunities facing financial services, and the companies listed are among the ones leading the way. Register today to see what they bring to the demo stage.

Photo by Maximalfocus on Unsplash

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FinovateSpring 2025 Sneak Peek Series: Part 4

By Madeline Clines Posted on
Categories: Anonybit, APIMatic, Cratoflow, Crux Analytics, FinovateSpring 2025, FinovateSpring 2025 Sneak Peek, Tavant

A look at the companies demoing at FinovateSpring in San Diego on May 7 – 9. Register today using this link and save 20%.

Anonybit

Anonybit prevents fraud and protects user privacy with decentralized biometrics at login, step up, help desk, and other user touchpoints.

Features

  • Enhances security with passwordless, privacy-preserving biometrics
  • Reduces fraud and support costs
  • Implements with easy pre-integrated, device-agnostic technology

Who’s it for?

Banks, credit unions, and fintechs.

APIMatic

With every bank and fintech heavily invested in API programs, APIMatic helps them generate ROI from these API investments via automation and AI solutions.

Features

APIMatic has developed API Recipes to give developers production-ready code in a guided manner.

  • Accelerates API adoption
  • Reduces integration time
  • Improves time to revenue

Who’s it for?

Banks, payment providers, and fintechs with public APIs.

Cratoflow

Cratoflow is an AI-powered accounting platform that automates 90% of workflows, streamlining invoicing, payments, and customer invoicing, accelerating close cycles, and boosting financial accuracy.

Features

  • Delivers invoice processing in 20 seconds
  • Provides seamless ERP integration
  • Automates approvals and workflows

Who’s it for?

Mid-market businesses with high transactional volume.

Crux Analytics

Crux Analytics is a relationship intelligence platform empowering bankers to drive more valuable outcomes with small business clients.

Features

Crux combines powerful workflow automation with data-driven intelligence to unlock sustainable institutional growth, efficiency gains for bankers, and more retentive relationships for SMBs.

Who’s it for?

Community banks, credit unions, and regional banks.

Tavant

Tavant’s LO.ai boosts loan officer productivity, cuts sales expenses, and empowers borrowers. Powered by Gen AI, it revolutionizes lending with enhanced lead conversion and reduced onboarding time.

Features

  • Provides a complete regulatory compliant solution
  • LO.ai qualifies borrowers and converts them into loyal customers, driving business outcomes
  • Ensures advanced, compliant solutions for lending ecosystems

Who’s it for?

Banks, credit unions, and lenders.

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Meet 5 Companies Demoing at FinovateSpring That Promote Financial Literacy

Meet 5 Companies Demoing at FinovateSpring That Promote Financial Literacy
By David Penn Posted on
Categories: CoHome, Express Wages, FinovateSpring 2025, Kaian, List series, Penny Finance, SuperMoney

April is Financial Literacy Month. While we are all getting an education in trade policy these days, making sure we’re up to speed when it comes to financial wellness is just as important.

With that in mind—and with FinovateSpring less than one month away (May 7 – 9)—we wanted to highlight those demoing companies that have financial literacy and inclusion at the heart of their mission.

CoHome

Based in San Francisco and founded in 2025, CoHome offers a real estate co-ownership marketplace and management app that makes owning property more accessible for college students and their parents, reducing rent to zero.

How they support financial literacy: CoHome introduces parents to the concept of co-investing in student housing for their child.

Express Wages

Founded in 2023 and headquartered in Memphis, Tennessee, Express Wages offers Earned Wage Access (EWA) services to enable employees to receive some or all of their wages as they earn them.

How Express Wages supports financial literacy: Express Wages features a Financial Literacy blog on its website with articles and guides on budget-making, saving for a first home, and strategies to pay back student loans.

Kaian

Los Angeles, California-based Kaian provides a billpay support system that ensures that credit union members never have to worry about missing a payment due to temporary cash flow issues. The company was founded in 2022.

How Kaian supports financial literacy: Kaian’s AI-powered assistance provides personalized, on-demand financial guidance, including insights on budgeting, saving, and long-term financial planning.

Penny Finance

Founded in 2020 and based in Boston, Massachusetts, Penny Finance describes its mission as “closing the wealth gap.” The company offers an online financial planning engagement engine for credit unions and small banks.

How Penny Finance supports financial literacy: Penny Finance provides tailored education, resources, and perks to credit union members and customers of small banks.

Supermoney

Headquartered in Santa Ana, California and founded in 2013, SuperMoney offers a comprehensive financial services comparison website providing recommendations on products from personal loans and savings accounts to tax preparation firms and brokerages.

How SuperMoney supports financial literacy: SuperMoney offers financial tools and resources—as well as industry studies—to help individuals make better financial decisions.

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FinovateSpring 2025 Sneak Peek Series: Part 3

By Madeline Clines Posted on
Categories: BankShift, FinovateSpring 2025, FinovateSpring 2025 Sneak Peek, Hive Technologies, Illuma Labs, Layerup, ReSight

A look at the companies demoing at FinovateSpring in San Diego on May 7 – 9. Register today using this link and save 20%.

BankShift

BankShift’s new innovation is a low-code, patent-pending embedded banking platform that integrates financial services into non-financial apps, enhancing engagement, loyalty, and revenue opportunities.

Features

  • Seamless Integration: Embeds banking into apps with SDKs
  • Enhanced Security: Biometric authentication, KYC, and transfer lock
  • Uninterrupted Service: Break-glass failover ensures continuous banking

Who’s it for?

Credit unions, community banks, and regional banks.

Hive Technologies

Hive Technologies is a fintech solution that helps financial institutions serve low and moderate income consumers profitably in auto.

Features

  • Increases membership and customers by offering a differentiated auto finance product
  • Reduces net charge offs via improved payment performance from members
  • Improves the membership/customer experience

Who’s it for?

Financial institutions such as credit unions, banks, and OEM captives interested in serving more low and moderate income (LMI) consumers in auto.

Illuma

IllumaShield™ by Illuma streamlines caller verification with a frictionless voice biometrics authentication solution that protects against account takeovers.

Features

  • Improves account security and customer satisfaction
  • Reduces caller verification time by 85% or more
  • Deploys quickly with low lift from internal IT resources

Who’s it for?

Credit unions, community banks, regional banks, and insurance companies that need a state-of-the-art solution to prevent fraud in the contact center.

Layerup

Layerup builds Voice AI agents for financial institutions.

Features

Layerup’s Voice AI agents help automate inbound and outbound calls for financial institutions.

Who’s it for?

Banks and credit unions.

ReSight

ReSight takes raw data and generates periodic reports instantly – no manual work, just seamless automation with a click of a button.

Features

  • Delivers pixel perfect reporting from existing data
  • Removes the need for internal resources to manually create reports
  • Available on the cloud or self-hosted

Who’s it for?

Asset management firms, banks, credit unions, and financial software providers.

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FinovateSpring 2025: From AI and Crypto to Deregulation and the Customer Experience

FinovateSpring 2025: From AI and Crypto to Deregulation and the Customer Experience
By David Penn Posted on
Categories: FinovateSpring 2025

When it comes to fintech conference content, our keynotes are king.

From the growing role of AI in financial services to the deregulation trends in the US, this year’s FinovateSpring will offer a variety of insightful keynotes and special addresses on the most pressing issues in banking and fintech.

Below we’re highlighting some of the presentations that will be delivered from the main stage over the three days of FinovateSpring, May 7 – 9, in San Diego. Visit our FinovateSpring hub to learn more, check out the full agenda, and reserve your seat!

Keynote Addresses: Deregulation, Crypto, AI, and More

What will the Trump Administration Mean for Banking, Fintech, and Innovation? What are the Risks and Opportunities of Deregulation? How Will Consumer Protection be Affected? Will We See More Bank M&A Activity as a Result of Deregulation? Featuring James McCarthy, Founder and Chairman, McCarthy Hatch. Wednesday / 10:15am

The Crypto Craze: Does it Matter? Rather than the Crypto Lottery, Should We Focus on Stablecoins as the Real Game Changer as They Become a Major Cross Border Payment Type? Featuring Michael Rihani, Director of Product, Coinbase. Wednesday / 4:05pm

The Inexorable Move from AI to GenAI to Agentic AI: What Challenges and Opportunities will Agentic AI create for FIs? What Does Agentic AI Promise and What Are the Risks? Featuring Nick Fok, Venture Partner, Erez Capital. Wednesday / 4:20pm

The Global Economic and Geopolitical Outlook and the Direction of Travel for the US Economy. Featuring Manas Chawla, Founder and Chief Executive, London Politica. Friday / 2:20pm

Additional scheduled keynotes include:

  • The intersection of Quantum and AI and What it Means for Financial Services. Friday / 3:25pm
  • Global Fintech Trends: Where are the Most Exciting Innovations and What Can US Banks Learn from Asia, Africa, and Latin America: How Collaboration between Traditional Banks and Fintechs in Emerging Markets is Fostering Innovation Enhancing CX and Driving Financial Inclusion. Friday / 9:05am
  • Where Next for Banking-as-a-Service Following the Collapse of Synapse? Thursday / 3:50pm

Special Addresses: Agentic AI, Credit Management, and Modernization

How Banks and Fintechs Are Using AI to Modernize, Automate, and Drive Profitability Now. Featuring Javier Pérez García – Global Director, VASS FSI (A Digital Transformation Company specializing in Financial Services). Wednesday / 10:00am

How AI-Enhanced Credit Management Elevates Creditworthiness, Trust, and New Revenue. Featuring Adrian Nazari, Founder & CEO, Credit Sesame. Wednesday / 1:50pm

The Age of Agentic AI: Financial CX at the Edge of Autonomy. Featuring Alan Ranger, VP of Marketing, Cognigy. Wednesday / 3:05pm

Out of the Box Keynotes: Cybersecurity, Culture Fluidity, and CX

Cybersecurity and Your Business—How to Protect Your Customers’ Money and Data, Plus Your Brand. Featuring John Iannarelli, The Voice of Cyber & Security, FBI John. Wednesday / 10:30am

Culture Fluid: A New Mindset in an AI-Driven Age. Featuring Sharon Gai, Author, Culture Fluid. Thursday / 10:35am

Creating Trust and Loyalty Through AI-Enhanced CX. Featuring Jon Lakefish, Founder, Lakefish Group. Friday / 9:50am

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FinovateSpring 2025 Sneak Peek Series: Part 2

FinovateSpring 2025 Sneak Peek Series: Part 2
By Madeline Clines Posted on
Categories: Bits of Stock, Express Wages, FinovateSpring 2025, FinovateSpring 2025 Sneak Peek, Penny Finance, Solda.ai, SuperMoney

A look at the companies demoing at FinovateSpring in San Diego on May 7 – 9. Register today using this link and save 20%.

Bits of Stock

Bits of Stock empowers financial institutions to offer fractional stock rewards on everyday transactions and account activity.

Features

  • Auto-enrollment of digital banking users into investment accounts
  • Free-to-premium investing and rewards account structure
  • Stock roundups and recurring investments

Who’s it for?

Community banks and credit unions.

Express Wages

With Express Wages on-demand pay, employees receive some or all of their wages as they are earned.

Features

The Express Wages solution offers a simple, safe dashboard where users can see wages and view financial wellness.

Who’s it for?

Banks, employers, businesses, and credit unions.

Penny Finance

Penny Finance is an online financial planning engagement engine that attracts, retains, and serves the digital generation by helping them get out of debt, get into investing, and retire with wealth.

Features

  • Delivers custom financial plans for members within minutes
  • Drives 60% digital engagement and 30% product referrals
  • Scales seamlessly with expanding enterprise requirements

Who’s it for?

Credit unions, community banks, and small banks.

Solda.ai

Leading fintechs and banks use Solda.ai’s AI sales representatives to automate onboarding, upsell, KYC, and retention calls with <1% AI detection at 60% cost.

Features

  • Automates sales with top-performing AI trained across phone, text, email, and chat
  • Scales instantly with multi-lingual, on-brand engagement
  • Reduces costs by 40% with <1% AI-detection

Who’s it for?

Consumer and commercial fintechs, banks, payment providers, and other financial services companies.

SuperMoney

SuperMoney’s personal finance super app puts money on autopilot, using real-time credit and bank data to deliver intelligent, stress-free financial decisions.

Features

  • Keeps spending aligned with user goals with AI-powered budgeting
  • Delivers tailored financial insights to put money on autopilot
  • Automates finding better loans and credit cards with Refi Robot

Who’s it for?

All financial service providers.

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