FinovateEurope’s Alumni Alley: Relevant Rewards, Data Driven Banking, and Innovations in Digital Billpay

FinovateEurope’s Alumni Alley: Relevant Rewards, Data Driven Banking, and Innovations in Digital Billpay

Many of Finovate’s most storied alumni made their Finovate debuts at our European conference, FinovateEurope. Next year at FinovateEurope (March 14 through 15) we will feature the event’s alums in a special showcase called Alumni Alley. For those companies that first demoed their innovations at FinovateEurope, Alumni Alley is a great opportunity to show the world their latest innovations and accomplishments.

Is Alumni Alley for you? Visit our Alumni Alley hub today and find out!

This week, we shine a light on another set of three companies that made their first Finovate appearances at our first FinovateEurope conference in 2011: a digital advertising platform for banks, an innovator in data-driven digital banking, and an e-billing/billpay pioneer.

Cardlytics Delivering Relevant Rewards Before it was Cool

Cardlytics was a young company when it made its Finovate debut at FinovateEurope in London in 2011. The Atlanta, Georgia-based firm already had gained significant traction for its technology: a transaction marketing platform that helped banks and retailers offer rewards to customers based on their individual buying behavior. During its demo, Cardlytics noted that its technology reached tens of millions of consumers via hundreds of retailers in the U.S. who were leveraging the platform to deliver what have now become table stakes in the loyalty and rewards business: precise targeting and highly relevant offers. Cardlytics returned to the FinovateEurope stage a year later, earning a Best of Show award for its latest loyalty management solution.

From a company with 100 employees and more than $27 million in funding in 2011, Cardlytics has grown into a leading advertising platform for banks and other financial institutions. The company boasts more than 184 million bank customers on its platform and more than $650 million in customer rewards paid. Cardlytics went public in 2018, and currently trades on the NASDAQ under the ticker CDLX. The company has a market capitalization of more than $169 million.

Scott Grimes and Lynne Laube, Cardlytics’ first and second CEOs, demonstrating the company’s technology at FinovateEurope.

“We delivered solid double-digit growth despite the serious challenges present in the economy,” Cardlytics CEO Karim Temsamani said in November when the company shared Q3 financials. “While the economy may be uncertain, I believe there is inherent resiliency in platforms that prove return on ad spend, and I am positive we can grow profitably.” Temsamani joined the company as CEO this summer, taking over from co-founder Lynne Laube who is retiring from the leadership post. Temsamani comes to Cardlytics from Stripe, where he worked as Head of Global Partnerships and, before that, Head of Banking and Financial Products.

Lodo Software, D3 Technology, and the Road from PFM to Data Driven Digital Banking

These days, the idea of fintechs coming from places other than Silicon Valley is increasingly commonplace. But in 2011, there was something more than a little novel about the fintech innovation that was coming out of places like Omaha, Nebraska – courtesy of startups like Lodo Software.

Making its Finovate debut at FinovateEurope 2011, Lodo Software demoed a cross-selling solution that helped banks leverage the data gathered by the PFM component of the platform to personalize offers and marketing campaigns. The product, OurCashFlow, organized and analyzed customer data to ensure that financial institutions are sending the right messages to the right customers at the right time. The platform’s messages and notifications are scheduled within the platform and are delivered to customers via their PFM dashboard.

D3 Technology CEO Mark Vipond demoing the company’s technology at FinovateEurope 2011 in London.

Lodo Software rebranded as D3 Technology in 2014 in a move that CEO Mark Vipond said reflected “the company’s evolution from a personal financial management software provider to the creator of one of the market’s only true omnichannel, data driven digital banking solution.” The company created D3 Banking to help financial institutions deliver a consistent, personalized, banking experience anywhere, at any time, and on any device. Five years later, in the summer of 2019 , fellow Finovate alum NCR announced that it would acquire the company.

“NCR is a great fit for D3 and the timing is right for us to combine forces to create a powerful digital transformation platform for large financial institutions,” Vipond said when the acquisition was announced. “This transaction enables us to capitalize on new market opportunities and bring top-tier capabilities to our mutual and future clients.”

AcceptEasy: A Pioneer in E-Billing and Billpay via Email

Enabling secure and straightforward e-billing and payments via email was the innovation championed by Netherlands-based fintech AcceptEmail at FinovateEurope in 2011. Founded in 2006 and launching its solution less than a year later, AcceptEmail offered a three-click process for customers to pay bills directly from their email accounts without requiring manual data entry and re(entry). The company’s technology brings convenience to the billpay process for consumers and helps billers realize lower DSO (days sales outstanding) due to more customers paying their bills faster as well as less collection activity. The platform also supports credit management (notifications and reminders) as well as smart SEPA Direct Debit notifications.

AcceptEmail (now AcceptEasy) CEO Peter Kwakernaak introducing his company to Finovate audiences at FinovateEurope 2011.

The company was acquired by Serrala in February 2020 for an undisclosed amount and announced a rebrand to AcceptEasy. The rebranding was designed to reflect the fact that the company had evolved beyond email to become a bill service provider that enables payments in all digital channels. “The flexibility and architecture of our technology is perfect for all sorts of transactional messaging,” AcceptEasy CEO Peter Kwakernaak explained. “The payment moment is becoming a personalized and interactive contact moment .. (it) is one of the most important steps in the customer journey.” He added, “Our services make it possible for enterprises to provide consumers and small businesses an optimized brand experience and save costs in the process.

Photo by Nikita Khandelwal

Where the Alums Are: A Remembrance of FinovateSpring Past

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It is hard to believe that it is almost time for FinovateSpring 2014.

There’s still plenty of time for you to get your tickets to our upcoming event in San Jose, California on April 29 and 30. Our final Sneak Peek preview post is up, all the companies who were prepping under the radar are now out of stealth, and we can’t wait for you to see what this year’s spring crop of fintech entrepreneurs and innovators has in store.

Before we do, however, let’s take a moment to take a look back at last year’s FinovateSpring alums. As we scrolled through blog archives, several themes jumped out: the appetite for startups remains as passionate as ever, with three of our Spring 2013 alums being acquired by such financial sector potentates as Intuit and PayPal. And venture capitalists continue to see innovation in this space as a more than worthwhile investment, with 20 separate fundings for Spring 2013 alums

We’ve grouped the achievements into four categories: Exits, Fundings, Awards, and Acquisitions. Enjoy!

  • Jack Henry buys Banno for undisclosed sum
  • The rumors are true: eBay’s PayPal acquires Braintree for $800 million in cash
  • Intuit buys tax planning/preparation specialist GoodApril
  • TaxAct acquires Balance Financial
  • CardFlight secures $1.6 million in seed funding from ff Venture Capital
  • Encap earns seven-figure investment from ProVenture Seed
  • EyeVerify earns $2.3 million in Series A funding
  • Jemstep raises $4.5 million in Series A round
  • Kabbage brings in $270 million in debt financing to provide small businesses with funding of their own
  • Kabbage brings in $75 MIllion in debt financing
  • Leaf raises $20 million from Heartland Payment Systems
  • Alternative lender LendUp raises $14 million in new funding
  • D3 Banking creator Lodo Software Brings in $3 million
  • Narrative Science secures $11.5 million in Series C funding
  • OpenCoin wins investment from Google Ventures, IDG Capital Partners
  • P2BInvestor raises $1.2 million in Series A round
  • PayNearMe leverages Family Dollar Partnership; raises $20 million
  • PayNearMe raises $10 million in Series D funding, launches Express Merchant Onboarding Option
  • Prestadero raises 5 million pesos ($400,000 USD) in first round of funding
  • Quantopian raises $6.7 million in Series A round
  • Realty Mogul raises $9 million in round led by Canaan Partners
  • SeedInvest raises $2 million in crowdfunded investment campaign
  • SeedInvest Raises $1 million in round Led by Jumpstart New Jersey Angel Network
  • Zooz Closes $2 million Series A round Led by XSeed Capital
  • OpenCoin acquires SimpleHoney
  • Kofax acquires data integration software provider Kapow Technologies
  • NICE to acquire Causata to enhance customer experience management

Finovate Alumni News– January 30, 2014

  • Finovate-F-Logo.jpgArxan appoints Patrick Kehoe as Chief Marketing Officer.
  • GRANCO Federal Credit Union to offer Geezeo powered PFM.
  • Mitek’s Mobile Photo Payments now offered by a large, unnamed cable, telecomm and media companies.
  • Lighter Capital extends 40th loan.
  • Lodo Software changes its name to D3 Technology.
  • miiCard adds former SWIFT CEO Lázaro Campos, previous VP of SecureWorks Richard Lewis, and prior Clydesdale executive Kenny White to its Board of Directors.
  • Zopa secures £15 million from London-based Arrowgrass Capital Partners.
  • Crowdfund Insider looks at SeedInvest and its comment letters to the SEC on crowdfunding and the JOBS Act.
  • LendUp launches educational video series to help combat identity theft.
  • Flint Mobile announces start of partner program for ISOs, MSPs, and ISVs.
  • Financial Times column on online banking and the cloud features Fidor Bank.
  • Your Story features TransferWise and its co-founder Taavet Hinrikus.
  • InComm and H&R Block enable consumers to reload their H&R Block Emerald Card at more than 60k Vanilla Reload locations in the U.S.
This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.

D3 Banking Creator Lodo Software Brings in $3 Million


Lodo Software, creator of D3 Banking digital banking services, has recently padded its bank account. The Nebraska-based company announced yesterday that it brought in $3 million.

Invest Nebraska and Treetop Ventures contributed the funds, which will be used to bolster sales and marketing efforts and develop more products.


Since launching in 2007, the company has brought in more than $9 million.

Lodo Software debuted D3 Banking at FinovateSpring 2013. Check out the demo here.

Finovate Alumni News– November 5, 2013

  • Finovate-F-Logo.jpgLodo debuts D3 Consumer banking multichannel management platform.
  • App Annie’s Free Upgrade Brings Advertising and Analytics Onto a Single Platform.
  • CurrencyFair raises $2.5 million from Frontline Ventures.
  • TSYS introduces Merchant Insights to hep customers better monitor and analyze social media data.
  • ACI Worldwide announces completion of Official Payments acquisition.
  • Jim Marous’ Bank Marketing Strategy features Mitek in a discussion of “banking innovation for the fat-fingered.”
  • Local CBS affiliate in San Francisco highlights crowdfunding, real estate, and Realty Mogul.
This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.

Finovate Alumni News– September 18, 2013

  • FinovateLOGO.jpgKalixa Group to provide payment services to Italian gaming services provider, Sisal.
  • ACI Worldwide recognized as fastest growing biller direct electronic bill payment provider by Aite Group.
  • Manilla tops 15 million bills and statements delivered.
  • Netbanker reports: Simple Revamps Homepage
  • 200 Financial institutions adopt Lodo Software’s PFM.
  • Jumio adds facial detection to Its web and mobile identify verification service, Netverify.
  • MyBankTracker looks at MoneyDesktop’s uncluttered visualization of financial goals.
  • The Business Review blog highlights Dynamics’ partnership with Key Bank. 
  • TIO Networks forms partnership with Cowlitz Public Utility District.
  • Gartner names Backbase a Visionary Portal Software Vendor for the third year running.
  • Tradeshift Collaborative Workflow wins this year’s AP Innovative Technology of the Year Award.
  • Check partners with Irvine Ranch Water District to provide billpay and tracking for IRWD customers.
This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.

Lodo Software Launches D3 Banking to Help Banks Deliver a Personalized Customer Experience

This is a part of our live coverage of FinovateSpring 2013.


Next, Lodo Software debuted its D3 Banking solution:

“D3 Banking is data driven digital banking. It provides a full range of integrated financial services using a powerful, predictive analytics engine to deliver a personalized customer experience anytime, anywhere, on any device. 

The D3 Banking components utilize next generation technology and can be deployed on a single server or distributed across servers to support cloud-computing environments. Those components include: D3 Analytics, D3 Insight, D3 UX, D3 Apps, D3 API, D3 Connect and D3 Control. These components provide the resources necessary for financial institutions to deliver a consistent, relevant and profitable experience to their customers.”

Product Launch: May 2013
HQ: Omaha, NE
Founded: 2007
Twitter: @D3Banking
Presenting Mark Vipond (CEO) and Jeelani Shaik (CTO)


FinovateSpring 2013 Sneak Peek: Part 2

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If you missed Part 1 of our FinovateSpring 2013 Sneak Peek, click here to read about some of the innovative companies that will be presenting at our upcoming May event in San Francisco.

To learn more about the show, visit our FinovateSpring 2013 page here.  Or if you’re just looking to pick up your tickets to the event, click here.

Part 2 of our Sneak Peek will feature another 12 companies that will be among those demoing on the Finovate stage in San Francisco next month. We’ll have even more companies to show you next week.

Allied Payment Network: Allied Payment Network’s “Pay-It-Your-Way” strategy is driving mobile bill pay adoption by leveraging technology that consumers are embracing wholeheartedly – clicking, snapping a picture, or speaking.
  • Strategic differentiator for FIs
  • Live and available through multiple reselllers
  • Easily integrate into any mobile app
Why it’s great: Allied’s PicturePay has set the new standard for simplicity in mobile bill pay, using voice or a smartphone’s camera.
Encap: Provides a banking-grade, software-based authentication solution that offers uncompromising speed, security, and simplicity to boost
the adoption of financial services and applications.


  • 2- and 3-factor authentication that helps drive customer adoption
  • Seamless integration into apps
  • Lower cost of ownership
Why it’s great: Most 2- and 3-factor authentication solutions will make your customers hate your product. Integrating Encap will make them love it.
GoBank (by Green Dot Corporation): The first bank account designed from scratch to be opened and used on a mobile device, with deposits insured by the FDIC.


  • Real-time alerts
  • Fast: Join in minutes
  • Fair: No overdraft fees or minimum balance
Why it’s great: GoBank was created with the user experience top of mind to develop an innovative product with no hidden fees, complete transparency, reliability and peace of mind.


Gremln: Regulatory guidelines make social media compliance difficult for financial services. Gremln provides filtration, approval, and archiving. Teams can work together for secure social media.

  • Use social media AND keep your job
  • Verify posts are compliance before they are live
  • Multi-tiered approval process
Why it’s great: Your organization’s marketing and compliance forces can work in harmony to create secure, successful social media … all because of Gremln.
Jemstep: Jemstep Portfolio Manager is an online investment advisor that helps people lock in more money for retirement by telling them exactly what to buy and sell.
  • All they need to knowThumbnail image for JemstepLogo2.jpg
  • Exactly what to do
  • High-caliber guidance, not high fees
Why it’s great: Jemstep Portfolio Manager is the first and only resource of its kind, and it takes the complexity out of investing.


Licuos: A global B2B payment platform that generates the most efficient A/R and A/P netting, payment and funding proposals for businesses.
  • Improves the financial efficiency of businesses
  • Reduces businesses’s funding needs and credit risk exposure with their clients
Why it’s great: LICUOS allows businesses to reduce their dependence on banks so that they can significantly improve their working capital management.


Leaf: Leaf empowers small business owners to run and grow their businesses by providing a mobile payment platform built for local commerce.
  • Accept payments via the processor of your choice
  • Analyze business performance from any device
  • Easily engage customers
Why it’s great: LeafPresenter is the first tablet designed specifically for local retail, benefitting small business owners in ways not previously possible.
Lodo Software: D3 Banking uses a powerful, predictive analytics engine and adaptive UI to provide a full range of financial services tailored to customer’s needs anytime, anywhere.


  • Consistent customer experience via any digital channel
  • Customized, automated, targeted marketing
  • Flexible integration options
Why it’s great: D3 Banking delivers data-driven, digital banking, empowering financial institutions and their customers.
Micronotes: Delivers on the cross-sell imperative for digital banks.


  • Most productive digital cross-sell tool
  • Maximizes $/square inch of digital real estate
  • Gives interactive a whole new meaning
Why it’s great: Micronotes’s Cross-Sell helps financial institutions radically improve the productivity of cross-selling online to increase revenue.
Persint: Provides consumer analytics, leveraging account aggregation and peer data to answer every household’s financial questions of “where do we stand?” and “what next?”
  • 120 demographic peers from 5-click survey
  • Scoring of net worth, cash flow and risk
  • Opportunity identification & solution mapping
Why it’s great: Persint’s integration of peer data allows PFM to deliver objective conclusions on performance and credible advice on next steps.
Prestadero: The first, fully operational, peer to peer lending platform for the Mexican market.
  • Prestadero is upending traditional savings and loan operations in Mexico, offering loan rates and fixed income returns never before seen in our market.
Why it’s great: Mexico has some of the largest financial spreads in the world. Why? Nobody knows. Prestadero is here to change that.

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TSYS: By putting people at the center of every decision we make, TSYS is able to support financial institutions, businesses, and governments in more than 80 countries.
  • Remotely control how, when, by whom, and where money is used.
  • Real-time remote monitoring transactions
  • Increased risk mitigation
Why it’s great: TSYS is bringing its industry expertise to the exciting and fast-paced area of payments and mobile to show a completely different experience from the end-user perspective.
For more information on being a part of FinovateSpring 2013, see our FAQ. To register, visit out FinovateSpring page here.

Finovate Alumni News– April 9, 2013

  • Finovate-F-Logo.jpgAG Beat features Entrepreneurial Finance Lab.
  • BSCG, Mitek, and Yodlee selected as Monarch B2B Innovation Award Winners.
  • Lodo Software appoints Matthew Lawlor, former founder & CEO of Online Resources, to board of directors.
  • South African Logistics Company implements Kofax Software to Automate HR. Watch Kofax demo live at FinovateSpring.
  • Business Credit Radio features Sue Heilbronner, PaySimple’s Chief Growth Officer.
  • American Banker highlights Plastyc’s unique approach to serving prepaid card users. Watch Plastyc’s demo at FinovateSpring.
  • Mati Greenspan, senior investment consultant at eToro, explains how eToro will soon support Bitcoin.
  • American Banker looks at Braintree’s multi-merchant approach. Come see Braintree demo at FinovateSpring.
  • Live Science considers how Narrative Science
    automates journalism and report generation. See Narrative Science’s live demo at FinovateSpring.
  • Quantopian announces algorithm development competition.  The company will demo at FinovaeSpring in May.
  • Bank Innovation reports: Intuit will continue to support FinanceWorks.
  • Reuters takes a look at TipRanks. See them demo at FinovateSpring.
  • eDeposit announces major new features in upgrade of mobile app.
  • TradeHero a winner at Echelon Singapore Satellite pitch competition.
  • INTJ Capital gives kudos to Quantopian’s decision to provide for external data sets. Join Quantopian in San Francisco for FinovateSpring in May.
  • American Banker interviews Green Dot CEO and founder Steven Streit. See Green Dot demo at FinovateSpring.
  • Realty Mogul is among the companies highlighted in Upstart Business Journal column on crowd funding. See them demo at FinovateSpring.

This post will be updated throughout the day as news and developments emerge. You can also follow all the alumni news headlines on the Finovate Twitter account.

Finextra Looks at Mint, HelloWallet, and Lodo to Consider Benefits of Implementing a PFM

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Yesterday, Finextra published an article highlighting the benefits of implementing a PFM. It publishes some interesting stats on key PFM platforms:

    • 90% of Mint’s almost 8 million users say the PFM haschangedtheirfinancial habits
    • Users are willing to pay $9 for HelloWallet*HelloWallet.jpgLodoSoftwareLogo.jpg
    • Lodo boasts member retention rates of98% among PFM users
    • According to Lodo, PFM users have more bank accounts than non-users

To learn more about Mint, HelloWallet, and Lodo, watch Mint’s FinovateSpring 2011 demo, HelloWallet’s FinovateSpring 2011 demo, and Lodo’s FinovateEurope 2011 demo


*Does not include employees who are given the PFM services as an employee benefit from their company.

Finovate Alumni News– March 21, 2012

  • Thumbnail image for Thumbnail image for Thumbnail image for Finovate-F-Logo.jpgCashStar brings eGifting platform to the UK.
  • Service2Media signs AppCenter Partner agreement with HintTech.
  • Clairmail appoints former Apple executive, Mitch Stein as new Director of Innovation and Design.
  • Lazy Man and Money blog covers SigFig, calling it the best way to track your investments.
  • Wonga launches Easter Egg hunt on Facebook.
  • eToro’s OpenBook wins 2011 Superior Trading and Resource (STAR) Award.
  • WSJ’s MarketWatch suggests using HelloWallet to help employees build wealth.
  • Relevantly Speaking highlights Offermatic in a podcast.
  • NY Times Bucks blog describes the experience of using Citi’s rewards card powered by Dynamics.
  • Finextra looks at Mint, HelloWallet, and Lodo to consider benefits of implementing a PFM.
This post will be updated throughout the day as news and developments emerge. You
can also follow all the alumni news headlines on the Finovate Twitter account.

Finovate Alumni News– February 23, 2012

  • Thumbnail image for Thumbnail image for Thumbnail image for Finovate-F-Logo.jpgLodo chosen by 120 banks and CUs.
  • Betterment lowers fees, introduces new features.
  • WorldPay offers BOKU as mobile payment method to its merchant network.
  • ReadyForZero launches savings platform.
  • Insurance Journal features Mitek’s Mobile Photo Quoting app for insurance.
  • Credit Sesame launches mortgage comparison tool.
This post will be updated throughout the day as news and developments emerge. You
can also follow all the alumni news headlines on the Finovate Twitter account.