Persint, StockSmart Begin Incubation Phase of Yodlee’s NEXT

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Finovate alumni Persint (Spring 2013) and StockSmart (Fall 2013) are starting off the week with a bang. Both companies have been selected to participate in Yodlee Interactive’s NEXT, a partner lifecycle program for fintech startups and entrepreneurs.

The goal of NEXT is to “promote and accelerate” innovation in the fintech space. The program consists of an initial incubation stage, during which the companies are given free access to Yodlee Interactive’s API for six months. Those companies that show “marked traction” will be invited to the second, acceleration stage and, after that, a final cultivation stage. The two latter stages give the startups opportunities to work with industry veterans and Yodlee partners.

Learn more about Yodlee’s NEXT program here.
Thumbnail image for YodleeLogo2012.jpgYodlee is a leading financial innovation platform, with more than 600 companies around the world using it to power financial applications and services. Headquartered in Redwood City, Yodlee last appeared on the Finovate stage in 2012 in New York, and will be returning to the Big Apple this year as part of FinovateFall 2013.


Persint is a Finovate alumn that demoed its customer analytics technology at FinovateSpring 2013 in San Francisco. The Atlanta-based company was founded in March 2012 by Steve Coton and Curry Pelot. See their demo from earlier this spring here.
StockSmart will be making its Finovate debut in Sepember, joining us in New York for FinvoateFall 2013. Learn more about StockSmart here.

Finovate Alumni News– August 19, 2013

  • FinovateLOGO.jpgPersint among four new startups entering incubation phase of Yodlee Interactive Partner Lifecycle Program, NEXT.
  • Virtual Piggy to provide payment system to video game publisher Marvelous USA.
  • TSYS announces integration with FICO fraud management technology.
  • Monitise SVP of Strategy Richard Johnson talks about “making money mobile” at the Wired Money conference.
  • StockSmart joins Yodlee Interactive’s NEXT program for nurturing fintech startups. See StockSmart demo at FinovateFall in New York.
  • Fidor Bank customers to get access to social trading platform ayondo.
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.

Persint Debuts Consumer Analytics Application

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


Starting off the final session today, Persint debuted its consumer analytics application:
“Persint’s consumer analytics application integrates with account aggregation and is designed to complement existing PFM. Leveraging public data sources mapped to conform to aggregation categorization, Persint delivers performance context through comparison to U.S. household peers. 
Just five demographic inputs can segment a household into one of over 100 unique peer groups. Other solution features include:
        • performance navigation through color-coded decision trees
        • data representative of all U.S. households
        • local cost of living adjustments
        • alternative peer group formation
        • composite score based on net worth, cash flow and risk management
        • performance classification and scoring system
        • solution mapping of opportunities to actions”
Product Launch: September 2013
HQ: Atlanta, GA
Founded: March 2012
Metrics: Privately held, self-funded and seeking investment; 2 principals leveraging contractors; pre-launch and pre-revenue
Twitter: @persint
Presenting Steve Cotton (CEO & Founder) and Curry Pelot (CIO & Co-Founder)


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.