Holvi is the long tail of retail banking. It changes the whole concept of the bank account from a passive utility to an active enabler of any activity. Out-of-the-box Holvi comes with built-in payment acceptance, tools for financial understanding and the ability to share it with a group. We bring in building blocks from our banking and payments partners that our customers can add to their Holvi accounts.
Holvi is used by small businesses, non-profit organisations, projects and individuals. Holvi is regulated by the FIN-FSA and is located in Finland. Holvi is launching Europe-wide in 2013.
Innovation type: Online, payments small business
Kalypton
Point solutions for payments? Why limit yourself? Proven at scale in Africa,
Tereon is a complete payments ecosystem and toolkit designed to support rapid innovation.
With Tereon, you can implement any number of innovative products and payment services, be they point solutions or new networks. You can support any business logic, and you can use existing core systems and settlement processes to provide secure, inter-operable, account-to-account, payments that meet stringent regulatory standards.
We will demonstrate a four-party deployment that supports payments from phone to phone, phone to card terminal, card to terminal and on-line in multiple currencies.
Innovation type: Banking
Metaforic
Metaforic has a product that protects mobile applications from unauthorized changes and subversion of the existing code. In effect, by using our solution, the financial institution has control over what the application does if it is compromised. It can quit, display a message, send a silent security alert to bank servers or any other behavior the developer cares to define.
For financial institutions that have a lot of mobile developments underway, Metaforic technology can be integrated with existing developments at the end of the software development lifecycle. This technology is an automatic process not requiring significant developer time or security expertise.
Innovation type: Security
Pockets United
Pockets United occupies a hot space: carriers see their business threatened by all-encompasing data flats, while traditional banks and credit card companies see payment shifting to mobile devices – whose users are owned by the carriers, ultimately leaving both seeking for differentiators.
BAM! ‘Social’ is the next big thing in mobile payments, yet it is not easy to implement for existing PSPs or banks. A category killer in this field must be social by design.
Think of us as Paypal, just with a lot more pal – and get excited about a cutting-edge user experience that is fun to use day after day! Because, after all, dividing expenses should lower the burden for all, not cause additional effort for some.
Innovation type: Mobile, payments, PFM
rplan
Investing can be time-consuming. rplan has created a simple, easy-to-use tool to create your own personal investment portfolio from over 2,400 available investments to find the ones best suited to you.
rplan is for customers who want choice, but who don’t want to become finance specialists just to manage their investments – because there are better things to do in life than researching mutual funds.
Innovation
type: Investing & asset management, online, PFM
SumUp
SumUp’s vision is to change commerce on a global scale starting with a real and existing payments problem.
Today, millions of small businesses are missing out on customers because they cannot accept card payments due to high fees and long contract durations. SumUp offers the easiest way for small businesses to accept card payments.
Using only a portable card reader and an app for iOS and Android, merchants can accept card payments on their mobile device, with a transparent fee of only 2.75% per transaction.
SumUp will demo a new cashless point-of-sale solution that will radically simplify the way people pay in every day life.
Innovation type: Cards, mobile, payments, rewards
PYMNTS: Shopkeep POS undergoes latest revision and releases 2.0 version.
NerdWallet 
Netbanker 
