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Finovate Blog
Tracking fintech, banking & financial services innovations since 1994
FinovateSpring 2026 may be over, but the demos are just getting started. All 54 videos from the demo stage are now available to watch for free on Finovate.com and the Finovate YouTube channel.
This year’s demos showcased how fintechs are rethinking everything from AI-powered banking and embedded finance to fraud prevention, lending, payments, customer experience, digital identity, and wealth management. Earlier this month in San Diego, fintechs took the stage to deliver Finovate’s signature live, seven-minute demos in front of an audience of financial institutions, investors, analysts, and industry leaders.
Whether you attended FinovateSpring and want to revisit your favorite presentations or missed the event and want to catch up on the latest fintech innovation, the full demo lineup is now available on demand.
And stay tuned, because there’s more content on the way.
Recorded keynote presentations, panel discussions, fireside chats, and additional conference sessions will be added to the Finovate YouTube channel in the coming weeks, offering even more insight into the trends shaping financial services in 2026.
Empowering banks and credit unions with customer-centric solutions that enhance efficiency for both institutions and individuals is a key role of fintech innovation. Whether the goal is increased security, faster transactions, or personalized financial guidance, solutions that tackle these challenges not only make financial life easier and safer for customers and members, but also help banks and credit unions streamline operations, grow their user bases, and compete more effectively in the marketplace for financial services.
This year, FinovateSpring 2026 will showcase five companies that are streamlining the account onboarding (and offboarding) process, helping banks and credit unions offer new services like earned wage access and protected transactions, and reducing compliance risk for financial institutions of all sizes.
Eisen automates escheatment for abandoned accounts, dormant balances, forced closures, and stale checks, reducing back-office work by 90%. Financial institutions use Eisen’s escheatment, disbursement, and outreach tools to streamline account offboarding while automating manual work and reducing risk of non-compliance.
Headquartered in New York and founded in 2021, Eisen has partnered with organizations across various industries—banks, brokerages, telecoms, and more—to manage unclaimed property and automate escheatment compliance. The company builds products that help businesses proactively manage their offboarding, creating a new category of Account Offboarding Solutions that ultimately help reunite customers with their money.
Holdyn is a trust-first fintech platform enabling secure, structured transactions and conditional payments. In addition to moving funds instantly, Holdyn also allows users to define how and when funds are released, reducing counterparty risk in both local and cross-border transactions.
Founded in 2025 and headquartered in Tel Aviv, Israel, Holdyn offers protected transactions that safeguard both sides, enabling users to pay with confidence and get paid with certainty. Capital remains secured within Holdyn’s payment infrastructure—powered by Stripe—and is released only upon mutual verification that all transaction conditions have been met.
Kiro Money helps FIs grow deposits and product adoption by embedding intent-aware guidance that converts user uncertainty into action inside their platforms. The company embeds agentic AI into fintech and banking platforms to deliver contextual, personalized financial intelligence. Kiro Money also offers financial education workshops, programs, and coaching to expand financial guidance and education access to the next generation.
Headquartered in San Francisco and founded in 2024, Kiro Money combines financial expertise and science to simplify finance. The company offers approachable conversations with money coaches to provide clear, direct answers that cut through the complexity to give customers the answers they need.
Loquat enables banks and credit unions to scale faster by digitizing onboarding, cutting review times by 80%, and unlocking new deposit growth. The company provides seamless KYC/KYB, fast onboarding, virtual cards, and automated, digital lending with streamlined origination and tailored underwriting. Loquat’s CALM Portal for credit unions and banks provides back-office queue management, compliance monitoring, and application decision-making for institution staff.
Founded in 2018 and headquartered in Miami, Florida, Loquat also offers an AI-driven insights engine, Loquat IQ, that leverages a financial institution’s data to deliver tailored insights for strategic and operational success.
Veep Software offers AnytimePay to banks and credit unions within their app. AnytimePay allows their customers to access their pay between pay cycles. Earned Wage Access solutions like AnytimePay help improve short-term liquidity for employees and reduce reliance on high-cost alternatives. The company’s technology helps attract new, younger members; encourages increased activity within the organization’s app; and provides financial wellness to the organization’s customers.
Headquartered in Miami, Florida, and founded in 2019, Veep Software is innovating how people pay globally, providing technology that enables banks and credit unions to compete with neobanks and fintechs with their own apps.
Why banks should care
Surveys of bank and credit union leaders consistently note that solutions that help them keep their accountholders safe and their financial lives easier to build and manage are prized most by customers and members. At a time of growing cybersecurity challenges—including AI-powered fraud threats—as well as dramatic technological change, partnering with fintechs that specialize in these fields and offer these solutions is a proven way for banks and credit unions to boost efficiency by streamlining operations, and grow their customer bases via in-demand services that offer financial guidance; early access to earned wages; and secure, conditional payments, and more.
Launching and scaling new products isn’t as simple as developing a new tool and making it live. There are plenty of tasks that need to be considered alongside the actual product release, including governance and compliance, marketing and social campaigns, consumer testing and surveying, finding and fixing vulnerabilities, and consumer follow-up.
At FinovateSpring 2026 in San Diego, we’re hosting five fintechs that are making this next phase of product launches possible. Check out the variety of capabilities and learn more about the companies behind them below.
PentEdge AIMS gives community banks and credit unions an examiner-ready AI governance platform that’s purpose-built for the $500 million to $100 billion institutions navigating federal AI risk guidance. Founded in 2025, the North Creek, New York-based company delivers a real-time scoring dashboard with a view of AI exposure across a portfolio, offers pre-built vendor AI risk profiles, and provides audit-ready PDFs for examiners.
Intention.ly’s Advisor Brand Builder (ABB) helps firms build a differentiated brand, website, and content engine in a matter of days to enable advisors to attract ideal clients and outpace competitors. Among the company’s engagement options are a diagnostic assessment, a fractional CMO and COO, an outsourced marketing team, and more. Headquartered in King of Prussia, Pennsylvania, Intention.ly was founded in 2021.
Customer Link by PwC offers banks a set of “synthetic customers” through which they can test products, pricing, and experiences. Firms can use results to quickly generate quant data and turn survey crosstabs into clear, segment-specific growth actions.
Founded in 1998, PwC provides clients with a wide range of capabilities, including consulting, cybersecurity, AI, audit, and more. The company is headquartered in New York.
Rezliant’s Maestro Pulse helps fintechs, payment providers, and small financial institutions automatically fix security vulnerabilities in their codebases, PII (Personally Identifiable Information) data flows, and API integrations. The company provides contextualized triage of fintech vulnerabilities, automates remediation of multiple critical flaws simultaneously, and delivers effortless two-click fixes directly from email notifications.
Headquartered in Mesa, Arizona, Rezliant was founded in 2023.
Founded in 2024, Kato helps lenders scale with compliance-first automation. The San Francisco-based company’s technology helps firms reduce servicing costs up to 80%, increasing recoveries by 1%, and freeing agents to focus on high-value work.
Why banks should care
While it seems like the hard work of a new product launch is the planning and development phase, the reality is that execution is where most initiatives succeed or fail. Banks are expected to move faster, create and develop more frequently, and deliver better customer experiences. Doing so, however, requires navigating compliance requirements, validating product-market fit, securing systems, and effectively bringing products to market.
Platforms that support these adjacent functions help reduce the friction that often slows product launches. They enable banks to move from idea to execution more efficiently, while minimizing risk and ensuring alignment with regulatory expectations. In an environment where speed and precision both matter, having the right infrastructure around product launches can be the saving grace that changes a product from a failure into a success.
Financial services are growing more complex, which means that risk, compliance, and governance are no longer simply back-office functions. These services, which were once considered “boring” aspects of fintech, are now core to how banks and fintechs operate, compete, and scale. From evolving regulatory expectations to increasingly sophisticated fraud and operational risks, financial institutions are under constant pressure to maintain control while continuing to innovate.
At FinovateSpring 2026, a new group of companies is demonstrating how banks can modernize governance, streamline compliance, and better manage risk across the organization. Below are five companies helping banks move toward a more proactive, automated, and scalable approach to risk, compliance, and governance.
CRIF delivers a broad suite of credit bureau services, analytics, and decisioning platforms that help financial institutions make smarter, faster, and more transparent lending decisions. Its technology enables banks and lenders to design, test, and deploy credit strategies with greater speed and control, combining data, analytics, and governance into a single framework.
The platform offers no-code strategy design for business users, real-time simulations with KPI validation, and embedded AI agents that support compliant and explainable decisioning. Headquartered in Italy and founded in 1988, CRIF serves banks, credit unions, fintechs, and lenders globally, helping them modernize credit risk management while maintaining regulatory confidence.
Rulebase helps financial institutions scale compliance by automating testing and quality assurance across customer interactions and internal workflows. Its platform continuously monitors activity, detects potential violations, and generates audit-ready evidence, enabling teams to move beyond manual reviews and point-in-time checks.
By improving speed and accuracy while reducing regulatory risk, Rulebase allows organizations to focus on high value activity while maintaining compliance. Founded in 2025 and headquartered in New York, the company offers a modern approach to embedding compliance directly into day-to-day operations.
Winnow helps financial institutions simplify and streamline compliance by replacing manual research and fragmented processes with a centralized, easy-to-use platform. Its solution delivers tailored, attorney-reviewed regulatory guidance, enabling organizations to quickly understand and meet their compliance obligations without the time and cost of traditional methods.
By reducing complexity and improving accuracy, Winnow allows teams to spend less time interpreting regulations and more time executing against them. Founded in 2018 and headquartered in Anaheim, California, Winnow provides a more efficient path to staying compliant in a complex regulatory environment.
The Electronic Guardian offers a secure digital repository designed to help individuals organize, protect, and transfer critical financial and personal information. Its platform, The Coop, consolidates important documents and assets into a centralized system that evolves into a comprehensive estate inventory, supporting legacy planning and asset continuity.
Built with private encryption and “at rest” recoverability, The Coop ensures sensitive information remains both secure and accessible when it matters most. Founded in 2019 and headquartered in Pittsburgh, The Electronic Guardian enables banks, credit unions, and insurance providers to offer added value through estate organization and long-term asset protection solutions.
Model IQ, developed by Kevin D. Oden and Associates, is an automated platform designed to help financial institutions manage model risk and meet stringent regulatory requirements. Built by quants, the solution streamlines compliance with SR 11-7, FDIC, and NCUA guidelines by bringing structure, speed, and consistency to the model risk management process.
The platform automates the entire model lifecycle to accelerate review timelines while improving accuracy and audit readiness. Founded in 2018 and headquartered in San Francisco, Model IQ serves financial institutions ranging from community credit unions to regional banks and fintechs, offering a scalable approach to governance in an increasingly model-driven industry.
Why banks should care
Risk, compliance, and governance are central to a bank’s operations, directly impacting an organization’s ability to scale. As banks adopt AI, expand digital channels, and operate across increasingly complex regulatory environments, the volume and velocity of risk has increased to a point where manual processes and siloed systems can’t keep up.
Platforms that automate compliance testing, improve decision transparency, and streamline model risk management offer banks a way to stay ahead of regulators while operating more efficiently. Just as importantly, they reduce the operational burden on internal teams.
For end users, having a place to store and manage their key documents can be crucial for both security and organization. Financial institutions that offer tools like this as a benefit will not only add a revenue stream, but will also give clients another reason to associate them with safety and security.
Financial infrastructure is becoming increasingly valuable as it powers payments and financial products. Instead of operating within closed systems, banks are now operating within broader ecosystems in which customers expect seamless integrations, faster money movement, and financial services experiences that become invisible within the customer journey.
Fintechs are working to satisfy the demand for this infrastructure using API-driven tools that can support real-time payments, cross-border transactions, and embedded finance use cases. At FinovateSpring 2026, we’re hosting a group of fresh fintechs that will showcase their solutions designed to simplify payments, modernize infrastructure, and unlock new revenue opportunities. From digital asset infrastructure to cross-border payments and operational platforms, these four companies leading the way.
AlphaPoint enables smaller financial institutions to adopt stablecoin payments and treasury capabilities without the cost and complexity of building in-house infrastructure. Its platform provides the tools banks need to support digital asset transactions, helping them modernize payments and compete with larger, more technologically advanced players.
Founded in 2013 and headquartered in New York, AlphaPoint gives banks a faster path to integrating blockchain-based financial services, positioning them to participate in real-time, programmable money.
Quanto helps businesses reduce operational friction across financial workflows by streamlining back-office processes, allowing companies to focus on growth.
Founded in 2025 and headquartered in Chicago, Quanto helps organizations scale more efficiently, reduce complexity, and accelerate time to scale.
Reativ’s cloud-based treasury management system offers financial institutions real-time visibility into cash positions, liquidity, and risk. Its platform combines automation and AI-driven insights to help banks optimize cash usage, reduce operational costs, and improve decision-making.
Designed for regional and community banks as well as credit unions, Reativ can reduce operational expenses by up to 50% while enhancing regulatory readiness. Founded in 2026 and headquartered in Portland, Oregon, the company offers a modern, centralized approach to treasury management.
Clockout helps financial institutions drive deposit growth and customer engagement through embedded financial wellness tools. Its platform is designed to increase direct deposits, boost per-user revenue, and differentiate banks and credit unions in competitive markets.
Founded in 2022 and headquartered in Tennessee, Clockout enables institutions to deepen relationships with their customers while creating new revenue opportunities tied to everyday financial activity.
Why banks should care
Banks are under pressure to offer faster money movement, integrate with third-party platforms, and meet rising customer expectations. At the same time, firms need to manage costs and are constrained by legacy systems.
Fintechs are helping bridge this gap with solutions that simplify treasury management, enable stablecoin and real-time payments, and streamline operational workflows that allow institutions to modernize without large-scale overhauls. At the same time, embedded finance and deposit-driving tools create new opportunities to grow balances, increase revenue per customer, and stay competitive in an increasingly platform-driven financial ecosystem.
One of the great promises of fintech innovation is the idea of democratizing finance. This includes everything from helping more deserving borrowers secure access to credit to helping a new generation of savers and investors learn good habits that will ensure financial wellness from young adulthood through retirement. As much of the fintech world becomes increasingly—and understandably—obsessed with the latest developments in AI and decentralized finance, a sizable contingent of innovators continues to solve practical problems for students, young savers, and credit-starved small businesses.
This year at FinovateSpring 2026 in San Diego, May 5 to May 7, we will introduce five fintechs that will show how their latest innovations use advanced technologies to simplify international payments for students, boost financial literacy for teens and their families, and enhance small business lending with AI-powered underwriting and alternative data.
Crebit Pay is a stablecoin-powered FX platform enabling low-cost, near-instant global payments for students, while helping credit unions onboard and serve international members.
Crebit Pay’s platform provides near-instant settlement and is 4-10% cheaper than traditional FX. It serves underserved corridors ignored by major providers, offering a stablecoin infrastructure that is fully invisible to users, fiat in and fiat out.
Founded in 2025, Crebit Pay is headquartered in San Francisco, California.
GenAspire offers real-world banking for the next generation. The company’s values-driven teen banking app and financial literacy program is trusted by more than 2,200 schools, designed for families, and built for community financial institutions. Designed for credit unions and community banks, GenAspire’s technology gamifies teen banking and incentives financial literacy.
Headquartered in Boynton Beach, Florida, GenAspire was founded in 2025.
Nextvestment enables safe self-service exploration while guiding advisors to intervene at the right moments, improving client engagement and advisor productivity without changing advisory models. The company’s generative AI platform, designed for financial institutions, family offices, and individual advisors, delivers real-time insights, proactive compliance, and personalized client experiences.
Founded in 2024, Nextvestment is headquartered in Singapore.
PROVIDR approves more qualified SME loans faster and cheaper but without additional risk through AI-driven, alternative-data underwriting, while reducing costs, improving accuracy, and growing market share. The company’s agentic credit platform gives loan officers the resources they need to make faster lending decisions, with more accuracy and full control.
Headquartered in Boston, Massachusetts, PROVIDR was founded in 2025.
Vine Financial enables lenders to scale commercial portfolios without adding staff, accelerate deal approvals, and adopt responsibly—turning underwriting from a manual bottleneck into a strategic advantage. The company’s platform lets financiers and borrowers collaborate more effectively, orchestrating the process to ensure that deals flow smoothly.
Founded in 2019, Vine Financial is headquartered in Austin, Texas.
Why banks should care
Expanding access to underserved markets, enhancing financial literacy, and improving operational efficiency and productivity are three areas where fintechs like these can help banks reach more customers, boost engagement, and generate better margins. At a time when it is becoming increasingly difficult for financial institutions to differentiate themselves from the crowd, strategies that can help them attract new customers and empower current customers to become better stewards of their own financial lives are critical.
All of these goals also represent practical opportunities to use technologies such as AI and decentralized finance. AI is making it easier for lenders to analyze both traditional and alternative data to uncover qualified borrowers that traditional underwriting strategies have tended to overlook. Decentralized finance is poised to revolutionize payments, making low-cost, near-instant payment options more broadly available, helping financial institutions better serve international customers while creating new potential revenue streams. Lastly, the ability of AI and DeFi to help eliminate inefficiencies and reduce costs is another main reason why banks and other financial institutions should look closely at the real-world applications of these still-evolving technologies.
If you are enjoying our preview of the companies demoing at FinovateSpring this year, then join us in San Diego on May 5 through May 7. Tickets are on sale now. Save your spot. Book your room. And bring your sunscreen!
How can banks, credit unions, and other financial institutions transform the massive volumes of data they process every day into actionable insights that can drive better decision-making, identify inefficiencies, and engage more customers? How will technologies like AI specifically help financial institutions challenged by competition from non-bank rivals, ever-evolving consumer expectations, and regulatory uncertainty?
This year at FinovateSpring 2026, we are showcasing five innovative fintechs that will demonstrate their solutions to help banks, credit unions, and other financial institutions boost productivity, manage risk, and create compelling experiences for their customers and members.
ContexQ is a forensic Graph AI that detects fraud, money laundering, and hidden beneficial ownership by seeing the relationships every other AI misses.
Headquartered in Singapore, ContexQ was founded in 2024. The company’s technology resolves fragmented identities across more than one billion entities in 12+ languages, predicts emerging fraud patterns using Graph Transformers, and unifies risk and revenue intelligence in one graph.
Finalytics.ai enables financial institutions to instantly unleash the power of AI by offering segment-of-one digital experiences for visitors informed by behavioral, transactional, and third-party data.
Founded in 2021, Finalytics.ai is headquartered in San Francisco, California.
Whatfix is an AI-native digital adoption platform that helps banks and other financial institutions accelerate system adoption, enforce compliance, and achieve measurable outcomes across mission-critical workflows.
Founded in 2013 and headquartered in San Jose, California, Whatfix offers technology that provides real-time contextual guidance powered by AI-driven ScreenSense, product analytics tied to workflow adherence and business outcomes, and mirror + AI roleplay for risk-free simulation and behavioral training.
Why banks should care
Managing risk, providing compelling personal experiences for customers, and keeping costs low are three paramount challenges for banks, credit unions, and other financial institutions in 2026. Fortunately, all three are areas where technologies such as automation, machine learning, and AI have proven their effectiveness in detecting fraud, customizing user journeys, and identifying workflow inefficiencies and bottlenecks.
Meeting these challenges by embracing fintech innovation is not only a way for banks to ensure regulatory compliance, stay ahead of fraudsters, and become more efficient—it also offers opportunities for specialization and differentiation within the field. At a time when more and more companies are adding financial services to their product mix, innovations that also help banks and credit unions stick out from the crowd are as valuable as ever.
If you are enjoying our preview of the companies demoing at FinovateSpring this year, then join us in San Diego on May 5 through May 7. Register today using this link and save 20%.
In 2026, financial services have jumped well beyond the AI experimentation phase. At this point, firms are no longer considering whether or not to adopt AI, and are instead thinking about deployment strategies that will improve operations, decision-making, and internal productivity.
When organizations apply AI to their everyday processes, they can analyze data more effectively, automate workflows, glean insights, and help teams make better decisions with less manual effort. Regardless of the subsector, AI-driven platforms are becoming essential to creating modern banking infrastructure.
At FinovateSpring 2026, a fresh group of five companies will demonstrate their newest technologies that help banks turn AI from a buzzword into a practical tool for operational intelligence and efficiency.
Founded in 2025, Ventus AI transforms raw banking transaction data into semantic customer intelligence to enable personalized experiences, smarter analytics, and human-centered digital banking without changing core infrastructure.
The Delaware-based company helps banks and wealth managers turn transactions into dynamic personas, proactively detect customer life events, and offer plug-in intelligence for any core banking system.
Zengines addresses data transformation challenges to modernize mainframes without losing logic. The platform helps organizations work with legacy code to seamlessly migrate data into modern systems. The company offers two products: Data Lineage, which offers critical and easy-to-understand insights into firms’ legacy systems; and Data Migration, which empowers business analysts to drive the entire process without coding expertise.
Headquartered in Bedford, Massachusetts, Zengines’ modern approach makes legacy systems searchable, which helps firms satisfy auditors faster so transformation and compliance don’t stall.
Lyzr Architect is an enterprise AI platform that converts natural language into governed, production-ready agentic applications. Founded in 2023, the company offers a platform that enables secure, compliant deployment across banking, financial services, and insurance enterprises.
The New Jersey-based company helps convert natural language into production-grade multi-agent applications, provides deterministic validation with governance and audit logging, and offers full-stack apps, exportable code, and GPU-optimized model execution.
Founded in 2024 and headquartered in San Francisco, California, Saris AI is an agentic AI solution that builds and launches AI agents to automate back-office workflows. The company helps banks and credit unions scale their operations without adding headcount by automating 90% of their tasks with zero change management.
Saris AI securely integrates with core banking platforms, loan origination systems, document repositories, and communication tools to help organizations lower workflow costs.
Syntex’s digital onboarding software helps banks and credit unions verify documents, track approvals, and reduce small-business onboarding to a matter of days.
Founded in 2025, the company offers a self-serve client intake with document verification; provides real-time tracking of documents, approvals, and ownership; and reduces onboarding from weeks to days with a Reg B audit trail.
Why banks should care
For financial institutions, the promise of AI extends well beyond simply delivering a better customer experience. In 2026, fintechs are bringing great opportunities to help firms modernize legacy operations without dramatically increasing costs or headcount.
Banks face mounting pressure to process more data, respond faster to customers, and maintain compliance in today’s increasingly complex regulatory environment. AI platforms that can surface insights from transaction data, automate internal workflows, and help teams navigate complex systems bring a practical way to improve productivity and decision-making.
FinovateSpring 2026 will take place at The Sheraton San Diego on May 5 through 7. Register today using this link and save 20%.Finovate attracts 600 bankers from across the spectrum—afrom the largest US banks to regional banks, community banks, and credit unions.
