SaaS Markets Acquired by Sysnet Global Solutions

Thumbnail image for SaasMarketsLogo.jpgEnterprise app store platform SaaS Markets has been acquired by Sysnet Global Solutions. Terms of the deal were not available.

“The sale of SaaS Markets represents the next phase of growth for our platform.” said SaaS Markets CEO and Founder, Ferdi Roberts. “And Sysnet (is) the perfect partner to enable us to do this.”
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Gabriel Moynagh, Sysnet Global Solutions CEO, said that clients of both businesses will gain from the acquisition. The two companies have been partners for the past two years; Sysnet having incorporated SaaS Markets’ MarketMaker platform into its own Sysnet.air platform.
Founded in 2011 and based in San Mateo, SaaS Markets made its last Finovate appearance at FinovateEurope 2014, where it demoed its Enterprise Cloud Marketplace Platform. We took a Behind the Scenes look at SaaS Markets shortly after the conference.

Finovate Alumni News– February 26, 2014

  • Thumbnail image for Thumbnail image for Thumbnail image for Thumbnail image for Thumbnail image for Thumbnail image for Thumbnail image for Finovate-F-Logo.jpgOn Budget wins 2014 Paybefore Award as “One to Watch.”
  • United Bank Limited picks VoiceTrust for voice biometrics.
  • InComm partners with Asia-based Money Online to launch POS-activated gift card mall solutions in Southeast Asia.
  • Rezzcard to integrate with InComm’s Cashtie to enable Rezzcard cardholders to pay their rent in cash at over 70,000 retail locations.
  • American Banker reports: Western Union to use NICE Customer Analytics. Come see its new tech at FinovateSpring.
  • Xero reaches 100,000 paying customers in Australia.
  • Check out an interview with BRIDGEi2i Director and Co-Founder, Ashish Sharma.
  • SecondMarket considering U.S.-based bitcoin exchange.
  • Live Gamer customers to get access to MasterCard’s MasterPass digital payment service.
  • authenticID enhances ID proofing technology to help combat cloned credit card fraud.
  • Green Dot wins top honors in four categories at 2014 Paybefore awards.
  • Global Banking & Finance Review takes a look at Kalixa Group’s American expansion.
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.

FinovateEurope: Behind the Scenes with CRIF, Mobino, and SaaS Markets

Here’s more “behind-the-scenes” coverage of some of the companies that presented at FinovateEurope 2014.

If you missed our previous installment from last week, click here to read “FinovateEurope: Behind the Scenes with AdviceGames, Nous.net, and Yseop.”


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What They Do:
CRIF specializes in leveraging big data to help small and medium sized banks make sound credit decisions.
In a conversation the day before the company’s Finovate demo, CRIF’s Marketing Director Sheila Donohue noted that what’s critical for banks is flexibility: “Banks are more and more requesting the ability to change and make changes,” she said. “They don’t want to be dependent on vendors, or have their hands tied.” 

CRIF Credit Framework serves this need by helping financial institutions use the platform to create end-to-end products such as custom apps for loan origination or tools for business analytics and intelligence. The company’s solutions have been deployed widely, from the Bank of Georgia in Central Europe to Interra Credit Union in north central Indiana.
Stats:
  • More than $106 million in equity
  • More than 2,400 financial institutions use CRIF technologies daily
  • More than 1,500 employees/associates worldwide
  • Total revenues in 2012 were 285 million euros
  • Founded in Italy, CRIF recently celebrated its 25th anniversary
Use Case:
The new release of CRIF Credit Framework will be especially helpful for banks looking to deploy a 21st century sales force equipped with productivity-enhancing mobile solutions. The company’s mobile app can be used in-branch, as well as at the point-of-sale when customers are considering a variety of financing options.
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CRIF is also unveiling a new version of its business-intelligence product, also optimized for mobile, which provides a dashboard that allows business executives better transparency and the ability to monitor KPIs.
This technology allows executives, rather than IT staff, to dig into the data behind their KPIs and make changes immediately. Changes are visible, graphical (not in programming language), and are tracked.
“You want to be fast,” Donohue said. “But if the regulators come by tomorrow, you want to be able to substantiate the changes you made.”

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What They Do:
Mobino’s project is straightforward, if not simple: to enable everybody with a phone in their pocket to make mobile payments as easily as paying with cash.
“We are both independent from the card networks and the telcos,” said Mobino CEO Jean-Francois Groff in a conversation the day before his company’s Finovate demo. “But we are working very closely with the banking industry. We want to enable bank account holders to circulate real money just as easy as they would circulate virtual money.”
How Mobino Works:
Smartphone and feature phone users alike are able to take advantage of Mobino. With a smartphone, the solution is a downloadable app (available for both iOS and Android). “Dumb” phone users can utilize a voice-based service that provides the same basic functionality.
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Users can load money to their Mobino accounts through a variety of methods, including bank account direct deposit, wire transfer, and by purchasing prepaid cards. The company’s independence from the card networks means that funding Mobino accounts via credit cards is not a part of the plan.
The service is free to use for consumers, both for making P2P payments as well as transacting with merchants. Merchants accepting Mobino pay a 1% commission, substantially less than card fees.
Use Cases: 
Groff sees use cases for Mobino everywhere: from online transactions to point-of-sale shopping at brick and mortar retailers, to peer-to-peer payments, merchant payments and more. 

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Here’s an example of how a merchant using Mobino might interact with a Mobino-paying customer:
Step One:
The process starts with the merchant entering the transaction amount in the Mobino app.
The merchant will then receive a one-time token number, and will be instructed to show the token number to the customer.

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Step Two:
The customer then enters the token number given by the merchant. 
The customer agrees to pay the amount, and enters his or her private passcode. 
The merchant and the customer receive notification confirming the payment by SMS.
Mobino allows the merchant to have funds transferred to the merchant bank account, and charges a 1% fee for the transaction.


During our discussion, Groff previewed yet another use case he would be sharing with Finovate audiences: “Each merchant who participates, who uses Mobino at their point-of-sale, can act as a cash machine. A sort of reverse ATM.” This is because Mobino operates on a prepaid basis. And in the same way Mobino allows consumers to exchange “e-money” for goods and services, Mobino also allows consumers with cash in pocket to exchange that cash for the merchant’s accumulated “e-money.”
Role for Banks:
Groff makes an interest
ing point about our relationship with our banks: 
“(Online banking) was marketed toward us as banking without waiting. But in the end we do all the work, and the bank is not available when we need them. They are there when we need credit or want to buy a house or set up investments. But when we just want to do the basic movements of money that are paired with daily life, the banks are really in the background.”
How do move banks to the foreground? Groff suggests that the success of PingIt, launched in the United Kingdom by Barclays, reveals that there is a “latent, unmet demand from the population for simpler services coming from the banking world.”
Looking forward, Mobino is optimistic about the growth of his company and in the technology that makes his service work. Distribution is a major focus, the hard work especially of getting “mom and pop” shops with older POS hardware to consider Mobino. 
And, as always there are regulatory issues. Here, however, Groff remains confident:  “The regulators, in general, are quite open,” Groff said. “When we show them the potential the innovation has to enhance what they call ‘financial inclusion’ – helping people who would never have access to finance to actually do something with money –  they really, really are open to experimenting.”


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SaaS Markets

What They Do:
Saas Markets helps financial institutions build app stores to help their small and medium business clients solve their business challenges.
This is no small accomplishment. In addition to capital, one of the things that can help make a difference in the success of SMEs is their access to resources, especially business solutions that will save them money, create more efficient processes, and help them compete more effectively in the marketplace.
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“We address three things,” Ferdi Roberts, SaaS Markets CEO said in a briefing in advance of his company’s Finovate appearance. “One, helping banks understand the challenges facing their business customers.Two, to help them provide solutions to those challenges. And, three, to give them a platform that helps them gain new customers and keep the customers they have longer, so there’s a stickiness to the product.”
To this end, SaaS Market’s MarketMaker cCloud platform provides a personalized, cloud-based marketplace containing more than 1,500 curated business apps from accounting to invoicing. Use of these SME apps is convenient for the business operator, who can take advantage of these app while never being more than one click away from their bank. It also increases stickiness and the potential for greater engagement for the financial institution that hosts the platform.
Benefits for Financial Institutions:
Making it easier for small and medium-sized enterprises to get the accounting and invoicing technology they need is a worthwhile business in and of itself. But in conversation with  Roberts, and with Director of Marketing, Jay Manciocchi, it becomes clear that, in some ways, the app store is only the beginning.
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This path toward a personalized app store is optimized by a technology called MarketMentor. MarketMentor works like a search engine within the platform, associating highly specific business problems to no less specific responses and solutions.  “Even if you don’t know what you want,” Roberts said. “You know what your problem is – so let’s start with that. And Market Mentor helps crystalize that.” 
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The challenge for banks is that small and medium sized business customers tend to be the most numerous, the most profitable, and the most difficult to engage. Part of what SaaS Markets is trying to accomplish with its cCloud platform and Market Mentor technology is to boost engagement via personalized problem-solving. This helps banks become a more collaborative partner when it comes to helping SMEs solve their business problems.
The result is a win-win for banks, who benefit from greater engagement and less churn, as well as for their customers, who become better businesspeople with more resources at their disposal and a deeper understanding of their own business environment.

Stay tuned for next behind-the-scenes look at FinovateEurope 2014 later this week.

SaaS Markets Helps FIs Build, Brand and Launch Their Own App Stores

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This post is part of our live coverage of FinovateEurope 2014.

Making their way to the stage is the team from SaaS Markets with their Enterprise Cloud Marketplace Platform for financial companies.

“Saas Markets’ MarketMaker platform allows financial companies to deploy a fully branded cloud marketplace containing proprietary apps and/or selected software from our catalog of over 1,500+ pre-qualified business applications, plus other cloud products and services – all in one convenient marketplace for your employees or business customers.”
Presenting Ferdi Roberts (CEO & Founder) and Jay Manciocchi (Director of Marketing)

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Product Launch: November 2013
Metrics: $3.5 million private funding, 20+ employees in USA and Europe, confidential revenues, but fully profitable.
Product Distribution Strategy: Direct to Business (B2B), through financial institutions
HQ: San Mateo, CA, USA
Founded: November 2011
Twitter: @SaaSMarkets

FinovateEurope 2014 Sneak Peek: Part 5

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While we’re busy polishing up the details for FinovateEurope 2014, we wanted to keep our Sneak Peek series going. Below is the fifth installment of our series that gives a glimpse of what the companies will demo on stage February 11 and 12 in London. Don’t miss out on the action; get your ticket here today to see all of the demos live.

If you missed any of our earlier installments, take a look at FinovateEurope 2014 Sneak Peeks 1-4 below.

And now, meet another six companies who will be demoing next month at FinovateEurope 2014.


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Arxan Technologies protects mobile apps from hackers and malware exploits with award-winning mobile app shielding products. Prevent fraud, unauthorized access and brand compromise with Arxan’s software security.

Features:

    • Strengthens financial apps with self-defense and tamper-resistance 
    • Delivers comprehensive and multi-OS application hardening
    • Deployed at the end of software development without changes to source code
Why it’s great
Arxan provides global Fortune 500 companies with the world’s strongest and most deployed application protection to launch multi-OS mobile services. 

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Vince Arneja, Vice President, Product Management
Vince Arneja brings over 18 years of experience in senior level technical product and program management, with the last 10 years focused on application, endpoint and network security.
LinkedIn

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Winston Bond, European Technical Manager
With over 20 years of experience, Winston has developed software on a wide variety of embedded, desktop and mobile platforms. Winston is European Technical Manager for Arxan Technologies Inc.
LinkedIn


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CRIF sees financial institutions worldwide turn to its Credit Framework, adaptable technology, integrating predictive analytics and know-how, to achieve optimized decision-making and compliant credit processes.

Features:
    • Lending sales mobile app integrating automated decision-making, information and downstream processes
    • Mobile business intelligence for credit and lending
    • Business user-friendly KPI tracking and fine-tuning
Why it’s great
Combines lending via mobile devices with agile, business user-friendly technology to make smarter decisions in the moment.  

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Aldo Bruschi Vice-President 
Aldo is a seasoned credit and decisioning expert. He is motivated by continuous innovation in applying data, predictive analytics and technology to improve credit and lending processes. 
LinkedIn

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Sheila Donohue
International credit and lending go-to-market professional and global marketer for the CRIF Credit Framework.
LinkedIn



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efigence and IdeaBank developed the first European Internet Banking for SMEs integrated with accountancy and cashflow analysis tools on the web, tablets and mobile which works in cloud.
Features:
    • First European “All-in-one” platform for SMEs including Internet Banking, accountancy and cashflow analysis module.
    • Works in the cloud
    • On web, tablets and other mobile devices
Why it’s great
This transaction system for SMEs connected with cloud accountancy systems and a company’s cashflow analysis changed the way of thinking in the banking sector about products for business.  
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Andrzej Szewczyk, Managing Director at Efigence
Andrzej worked for the largest telecoms and media companies and was implementing pioneer projects that used broadband data transmission for the largest Polish websites.

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Steve Sutton, Innovation Manager at efigence
Steve is focused on international business development. 


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payworks makes it easy to build payments into shopper and merchant apps.
Features:
    • Easy integration of payment functionality
    • Combine shopper wallets and Chip & PIN 
    • Work with different hardware and payment providers
Why it’s great
It provides the world of mobile POS on one single platform.

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Christian Deger, Co-Founder and CEO of payworks
Prior to founding payworks, Christian was responsible for building the South East Asian business of PAYRETO, a managed services company for payment providers. 


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Plutus Software’s KreditAja.com (its flagship product) features predictive analytics to aid both borrowers and lenders.
Features:
    • Superior alternative to traditional credit scoring
    • More holistic assessment of a borrower’s creditworthiness
    • Enables lenders to more accurately assess the risk of borrowers
Why it’s great
KreditAja.com’s proprietary credit scoring system aims to produce a more holistic assessment of a borrower’s creditworthiness via incorporating multiple data sources, including social media.  

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Aidil Zulkifli, CEO
Aidil is a Singapore-qualified advocate and solicitor, and practiced law for more than 2 years before founding Plutus Software.
LinkedIn

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Jagannathan J., CTO
Jagannathan possesses 16 years experience as a technologist and was previously Head of Engineering at Yahoo! SEA/India and Singapore’s leading property portal, Propertyguru.com.sg.

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SaaS Markets is the leading enterprise app store platform for financial companies.
Features:
    • Reduce software costs with a centralized app marketplace solution
    • Give your employees and/or your SME customers all of the cloud-based tools they need to succeed
    • Increase IT security and control
Why it’s great
SaaS Markets’ MarketMaker platform–the leading cloud marketplace platform for financial companies.

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Ferdi Roberts, CEO
Ferdi is a former senior executive at Yahoo, Cisco, and Ariba. Educated at Imperial College in London, he has worked across global tech markets for the past 20 years.
LinkedIn

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Jay Manciocchi, JD, Director of Content
Jay formerly worked as a senior executive at Brafton–the U.S.’s largest content marketing agency. He has further worked at Mercer–the global consulting company.
LinkedIn

Stay tuned next Monday, when we’ll bring you six more previews of the hottest in European fintech.

Innovations at FinovateEurope 2014: Part 2

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A week ago we introduced you to half of the companies that will be demoing their technologies on stage for FinovateEurope 2014.

Today we’re providing the second half of our scheduled roster for February.

For more information, and to get your tickets, visit our Finovate Europe 2014 page here.

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Luxoft’s iStockTrack is an innovative iPad solution providing mobile banking services for private and premium banking clients.

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Matchi is an innovative matchmaking platform for banks and innovators to establish collaborative relationships that deliver increased ROI for innovators and banks alike.

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Meniga is Europe’s leading white-label PFM provider. The company helps banks improve their businesses through data-mining, cross-sales, and improved retention.

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Mobino enables mobile payments for 5 billion people, from any phone, no credit card required.

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The Moneyer is the future of online Personal Finance Management.

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Money on Toast delivers independent and whole of the market, FCA-regulated financial advice online via its algorithm-powered adviser.

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MyOrder provides a m-commerce mobile app that serves businesses in parking, catering, and entertainment.

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myWishBoard is the first crowdfunding platform for personal dreams and wishes.

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NF Innova’s Personal Experience Module, a part of iBanking product suite, enables banks to offer their customers a truly unique and tailored user experience.

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Nostrum Group has built a virtual collection product that automates and optimizes the delinquency management process.

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Nous.net’s Spark Feed is a real-time financial data service that helps you understand and predict the markets.

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payworks is the provider of a mobile POS, Software-as-a-Service platform that lets developers quickly build payment functionality into their shopper and merchant apps.

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PhotoPay’s technology allows users to extract data from any document, paper or electronic, enabling billpay on mobile devices.

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Pixeliris’s CopSonic is the first universal contactless mobile payment system powered by our unique technology based on sonic communication.

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Plutus Software’s KreditAja credit scoring system is designed to better serve the unbanked and underbanked in Asia.

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SaaS Markets is an enterprise cloud marketplace company whose MarketMaker platform helps FIs deploy their own branded, cloud-based business app store.

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SmartEngine stands for personalization and target marketing. As pioneers in the field of customer loyalty, Smart Engine is a driver of innovation and a leader in personalized target marketing.

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SoftWear Finance’s HACU PLATFORM enables banks to provide customers with the best possible user experience on any platform or device.

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SQLI’s Augmented Banking is a new take at Online Banking. It is aimed at positioning a bank at the very center of people’s digital lives.

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Temenos’s Treasury Management Dashboard tablet app has been developed for Microsoft Windows 8 and enables the transformation of treasury operations.

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Tink is a free personal finance service that allows you to follow your money, where ever you are.

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Tootpay’s solution is a mobile financial solution for payments, banking, telecommunications, and remittance industries.

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Top Image Systems has leveraged its deep recognition and imaging expertise to develop a powerful suite of image processing applications for mobile devices.

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Topicus Finan is a software vendor specializing in enterprise-level financial analysis. Its solution enables banks to provide self-service business lending processes for SMEs.

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Toshl Finance is a personal finance manager made fun. Find out where your money is going, keep on top of bills and spending, and set up budgets.

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Truphone, the innovative mobile operator, introduces the only global network-based recording solution for the Financial Industry.

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Trustev provides a new approach to fraud prevention through a real-time, online identity verification platform, which ensures that merchants know exactly who they are selling to.

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Yseop Sales Force Productivity Suite and its email writing application (YseMail) support financial advisors through the entire sales cycle.

SaaS Markets Presents the MarketMaker Enterprise App Store Platform

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This post is part of our live coverage of FinovateAsia 2013.

Our second presenter of FinovateAsia 2013 is SaaS Markets. The team from San Mateo is here to show the MarketMaker Enterprise App Store Platform for Financial Companies.

“SaaS Markets’ MarketMaker Enterprise app store platform allows financial companies to deploy a fully branded app store containing your proprietary apps and/or selected software from our catalog of over 1,500+ pre-qualified business applications.”
Presenting Jay Manciocchi (Director of Content) and Cameron Ministri (Enterprise Sales Manager)

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Product Launch: January 2013
Metrics: Funding: $3.5M (private); employees: 20+ (U.S. & Europe); revenues: confidential, but fully profitable
Product distribution strategy: Direct to Business (B2B) & through financial institutions
HQ: San Mateo, California, USA
Founded: November 2011
Twitter: @SaaSMarkets

FinovateAsia 2013 Demo Companies Bring Global Innovation to Singapore

FinovateAsia is typically our most globally diverse show, and this year is no different. Two weeks from now, we will showcase 37 demos from companies spanning the globe that are innovating in everything from remittance to small business tools to back office solutions and much more. 

Given that diversity, we thought it would be fun put together a map showing the geographic spread of the demoing companies that will take the stage (click the map to enlarge).

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Here’s the breakdown of the number of companies from each region:

  • Asia: 12
  • Europe: 11
  • North America: 9
  • Africa: 1
  • Oceania: 2
  • Middle East: 2

To refresh your memory, the list of the companies that we’ve hand-picked to show off their new technology at the Max Atria @ Singapore Expo on November 14, include:

  • Advanced Merchant Payments
  • App Annie
  • Arkalogic
  • ArthaYantra
  • Backbase
  • BehavioSec
  • BlueKite
  • BRIDGEi2i
  • CustomerXPs Software
  • DragonWealth
  • GMC Software Technologies
  • i-exceed
  • IND Group
  • Intuition Intelligence
  • KlickEx
  • Kofax
  • LifePAD
  • Luminous
  • Mambu
  • Matchi
  • Mistral Mobile
  • Mobexo
  • Mobino
  • Pangea
  • Payoneer
  • Pixeliris
  • Red Zebra
  • SaaS Markets
  • Serverside
  • Smart Engine
  • TIBCO
  • Tootpay
  • TradeNet
  • TSYS
  • White Label Personal Clouds
  • Yodlee

To see live demos of the new technology, meet the entrepreneurs responsible, and network with others in the industry, get your ticket to FinovateAsia here. If you have questions about the show, check out who is attending or email asia@finovate.com.

Showing Our Age: A Look at FinovateAsia 2013 Demo Company Launch Timeline

At Finovate, we’ve seen how great innovation comes from companies of all ages. All we have to do is look at the Best of Show winners from FinovateAsia 2012. The founding dates of the winners ranged from 1858 (NAB, the parent company of UBank) to 2012 (SocietyOne).

We don’t know who will win Best of Show at FinovateAsia in Singapore this year, but looking at the launch date of the 37 companies taking the stage November 14, we found a 28-year spread. 

Here they are in reverse chronological order with funding amounts, if disclosed:

2013- 2012
  • BlueKite: 2013
    Total Funding: $1.5 million Seed funding
2011-2008
  • KlickEx: 2011
    Total Funding: $1.3 million
  • Mambu: 2011
    Total Funding: $2 million Series A

2007 or earlier
  • Yodlee: 1999
    Total Funding: $124 million
  • BehavioSec: 1998
    Total Funding: $2 million (€1.5 million)
  • Kofax: 1985
    Public LON: KFX

To learn more about each of these companies, check them out here and come see their live demos in Singapore on November 14.

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All numbers and funding information sourced from Crunchbase.com

What to Expect at FinovateAsia this November

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You may have seen the list of FinovateAsia demoing companies we released a few weeks ago. Here are more details on the 32 companies demoing November 14 at the MAX Atria @ Singapore Expo. Get your ticket here to be part of the crowd.

Stay tuned for our Sneak Peek series next month featuring a behind-the-scenes look at each company and chance meet the innovators.


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Advanced Merchant Payments’ innovative loan management solution enables banks to offer profitable, unsecured, short-term loans to small businesses
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ArthaYantra provides personal financial advice online to everyone irrespective of what they earn
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Backbase brings social media to the bank, and the bank to social media
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BehavioSec has extended its award-winning BehavioMobile solutions to offer policy-based behaviour authentication

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BellaDati is the agile business data analysis with human touch
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BlueKite’s international bill payment service improves an immigrants’ ability to care for family back home
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BRIDGEi2i is a trusted partner that enables organizations to achieve accelerated outcomes by embedding analytics in their DNA
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CustomerXPs Software is a leading product company offering real-time, Enterprise Fraud Management & CEM products to banks globally
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GMC Software Technology is a leading software developer of solutions that transform the customer experience
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i-exceed has created a Unified Application Development Suite for smartphone, tablets, desktops and laptops across operating systems
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IND Group is a leading innovator and developer of digital banking, PFM and payments technology
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Intuition Intelligence delivers the right offer at the right moment to the right client via digital channels
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KlickEx is a Global Clearing System for commercial and central banks. The Clearing System extends to Retail, as well
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Kofax is a leading provider of smart process applications that simplify the business critical First Mile of information-intensive customer interaction
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Luminous is a boutique innovation company that has become synonymous with innovative banking around the world
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Mambu enables financial institutions to rapidly deliver state-of-the-art banking services through a cloud-first Software-as-a-Service solution
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Matchi is a matchmaker for innovation
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Mistral Mobile powers your mobile financial services to serve anyone
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Mobexo is a scalable, value-added payment ecosystem that allows transactions to be executed between smartphones
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Mobino enables mobile payments for 5 billion people, from any phone, no credit card required
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Pangea Payments’ multiplatform solution will allow you to send money to anyone, from anywhere, at any time, using mobile and retail locations around the world
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Red Zebra brings together consumers, banks and retailers, with targeted rewards based on spending patterns


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SaaS Markets is the enterprise app store company for financial organizations looking to leverage cloud-based applications for their employees or customers
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Serverside Group is the global technology leader in digital card designs and a provider of innovative artwork solutions that create meaningful results

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SinoLending is the leading online lending platform in China
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Smart Engine’s Multichannel Loyalty Platform benefits financial institutions, merchants, web shops and users
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TIBCO Software creates real-time, event-enabled solutions for the 21st Century
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Tootpay’s mobile payment solution works independently from network and operator. It is encrypted, using a standard mobile phone
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TradeNet provides an equity trading customer channel for retail customers in emerging markets at $5 a month
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TSYS focuses on people-centered payments
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White Label Personal Clouds’ Website Welcomer eliminates username/passwords and enables seamless, private transfer of information between organisations

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Yodlee is the platform for financial innovation, powering the world’s largest collection of transactional data
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