How they describe themselves: Sperse empowers businesses with intelligent management software. Sperse has introduced its flagship product called Cash Flow Outlook, or CFO – a patent-pending cloud-based software for cash flow management and forecasting.
How they describe their product/innovation: CFO is built to monitor the daily changes and forecasting of your most critical business resource. The Cash! It gives you clear visibility of your cash flow with real-time accuracy by syncing directly with your bank accounts.
As your daily bank balances change, CFO tracks the historical cash activity and automatically update your future rolling forecasts accordingly. With the connected historical and forecast view, you’ll gain the hindsight, foresight, and deeper insights into your business!
CFO software can be used by businesses of any size. CFO software can be licensed by financial services companies, investors, financial consultants, and accountants to analyze the true health of their client’s business.
Product distribution strategy: Direct to Consumer (B2C), Direct to Business (B2B), through financial institutions, through other fintech companies and platforms, licensed
Contacts
Bus. Dev., Press & Sales: Omar Sayed, Chief Sperser & Founder, [email protected], 480-980-4900
How they describe themselves: QCheque™ is tokenizing & reinventing the check payment system for financial institutions to reduce fraud. Unlike the traditional check clearly showing account number, QCheque™ masks the account number with an encrypted QR code, then facilitates every aspect of the check processing securely and efficiently.
How they describe their product/innovation: QCheque™ is world’s most secure check! Because it does not show account number. Every QCheque™ is unique and encrypted with QR code to replace the account number.
Product distribution strategy: Direct to Business (B2B), through financial institutions, through other fintech companies and platforms, licensed
Contacts
Bus. Dev. Press & Sales: Shoaib Shafquat, President, [email protected], 586-292-7453
How they describe themselves: Q2 provides digital banking software to financial services providers. We offer an enterprise digital banking platform to banks and credit unions, built on integrations with more than 200 legacy banking systems for core processing, bill pay, remote deposit capture, and more. Today, that platform serves nearly 400 financial institutions and more than 10 million users.
Last year, Q2 launched Q2 Open, a portfolio of API-based financial services for deposits and bill pay. Q2 Open provides a cost effective, flexible way for financial services providers to design, test, and deploy their own front-end financial services experiences. It is currently in use with traditional financial institutions, fintech companies, and major brands.
How they describe their product/innovation: Q2 Biller Direct is a new bill pay solution designed to dramatically improve both the user experience and economic model of bill pay. It allows consumers to aggregate their bills and pay them with their debit or credit card, improving the bill pay experience and helping financial institutions generate interchange revenue from bill pay-turning it from a cost center to a revenue generator. Biller Direct can be integrated with virtually any existing front-end product or platform, or development-capable organizations can build their own Biller Direct front end using the APIs within the Q2 Open API portfolio.
Product distribution strategy: Direct to Business (B2B), through financial institutions
Contacts
Bus. Dev.: Paul Walker, SVP Corporate Development, [email protected]
Press: Emma Chase, Account Executive, [email protected]
Sales: Rahm McDaniel, SVP, [email protected]
How they describe themselves: Twisto is delivering simple and fair daily financing to retail customers in the CEE region. Its cutting-edge risk engine Nikita is leveraging non-traditional data sources and machine learning for credit assessment analysing over 400 data points per transaction in milliseconds. Twisto acquires its customers via online merchants with its “Buy now. Pay later solution”. Customers are then offered Twisto Account that provides 1 click instant financing to daily purchases and expenses. Since launch Twisto served over 275 000 customers in Czechia, expanding to Poland in Q1 2018.
How they describe their product/innovation: The first FinTech credit card in the market built on pre-paid card scheme with WireCard and MasterCard. Launched in order to cover 100% of daily financing needs of customers. Twisto Card enables customers to use instant credit everywhere, enjoy instant notifications, favourable FX rate, cashback and UNIQA travel insurance.
Product distribution strategy: Direct to Consumer (B2C), through financial institutions, through other fintech companies and platforms
Contacts
Bus. Dev.: Lukas Janousek (Head of Strategy & Marketing [email protected]
Press: Jan Hustak (PR) [email protected]
Sales: Vaclav Urbanek (Head of Sales) [email protected]
How they describe themselves: We are a young technology company, headquartered in Singapore with offices in Barcelona and Tokyo.
TouchĂ© launched in Q1 2017 in Singapore – we have clients and revenue today.
Our market expansion is driven by partnering exclusively with a bank/acquirer in each market to give them a competitive advantage and reach their merchant clients.
We are pursuing expansion to Japan, Australia, UAE, Europe and then USA later in 2019.
Touché is industry agnostic, but started in the F&B and private clubs.
Touché is global by design:
- POC completed with a large bank in Singapore
- POC in Q1 2018 in Australia and Japan
How they describe their product/innovation: TouchĂ© is the world’s first biometric-based solution that leverages users’ fingerprints to deliver personalised experiences to them – and additional profit to the merchants.
How? With a two-fingers-tap on a Touché device by users, we can:
- Identify users & their preferences in <3 seconds
- Transact any kind of payment through our certified device – once biometrically registered, no cards or phones required
- Register users once for use globally
- Manage loyalty/reward programmes & automatically apply discounts & entitlements – no vouchers, coupons, membership/loyalty cards required
- Provide historic & predictive buying behaviour analysis for merchants
- Recommend & activate targeted marketing campaigns
- Increase security of the transaction
Product distribution strategy: Through financial institutions
Contacts
Bus. Dev. & Sales: Sahba Saint-Claire, CEO, [email protected]
Press: Sanj Chappalli, Marketing Director, [email protected]
How they describe themselves: ti&m – technology innovation & management. We are an innovative Swiss IT service provider that works with demanding clients to integrate their entire value creation chain. ti&m is the Swiss leader in projects and products for digitalization, security and innovation, and strives to achieve the same position in Europe’s metropolitan regions. Our ground-breaking ideas and innovations are based on vertical integration, while our highly experienced teams guarantee a time-to-market.
How they describe their product/innovation: clevercircles combines collective intelligence with financial investments. Clients define their investment strategy, which they can regularly adjust to their expectations as part of the tactical asset allocation. When it comes to forming opinions about market expectations, clevercircles offers the option of coordinating with trusted people and groups chosen by the clients themselves, experts and/or the community (“social forecasting”). This makes clevercircles the first asset management platform to combine the intelligence of people with the efficiency of machines. clevercircles also offers a version of its technology known as “crowd advice” to B2B clients such as other banks, insurers and asset managers as a white label product.
Product distribution strategy: Online distribution for private clients (B2C), white label solutions for corporate clients (B2B2C), various (media-)partnerships as intermediary business.
Contacts
Bus. Dev. & Press: Sebastian Comment, Director of clevercircles, [email protected]
How they describe themselves: The technology underlying our banking systems is decaying. It is expensive to run, unreliable, outdated and bank customers never get anything like the quality and richness of service they deserve. Thought Machine is changing all this. With a world class engineering team with the CEO, CTO and CIO all ex-Google and expert in cloud computing, we are creating the banks of the future on Vault.
How they describe their product/innovation: Thought Machine’s core banking product called Vault creates banks that run in the cloud. It provides secure, fast, reliable end to end banking systems, capable of managing users, accounts, savings, loans, mortgages and more sophisticated financial products. Vault is completely flexible with smart contracts that are used to create bank products. Vault runs as Software as a Service, so a bank can scale from one customer to tens of millions without having to incur any hard costs.
Product distribution strategy: Direct to Business (B2B), through financial institutions
Contacts
Bus. Dev.: Travers Clarke-Walker, Chief Sales & Marketing, [email protected]
Press: Mark Warrick, Chief Design Officer
Sales: Liam Leahy, Director of Sales, [email protected]
How they describe themselves: Open Bank Project (OBP) is the leading open source API solution for banks. OBP’s technology and surrounding ecosystem of tools – together with our vibrant global Fintech developer community (more than 8000 developers) – helps banks rapidly engage with the next generation innovators safely and securely.
The Open Bank Project empowers financial institutions to securely and rapidly enhance their digital offerings using an ecosystem of 3rd party applications and services while complying with Open Banking regulation such as PSD2.
How they describe their product/innovation: In this demo, we would like to focus on our API engine and demonstrate how banks can leverage regulation such as PSD2 and use it as a driver for its innovation capability, showcasing, through concrete examples and customer cases from Europe and abroad, how banks can make the most out of their API investment.
Product distribution strategy: Direct to Business (B2B), through financial institutions
Contacts
Bus. Dev.: Elena Trpevska, Bus. Dev., [email protected]
How they describe themselves: SMEs are missing out on billions every year due to unpaid invoices and the costs associated with chasing payments. With thousands of SMEs going out of business every year, due to avoidable cash-flow problems, Solna is on a mission to help turn their passions into profit.
Solna provides SMEs with the tools to help them manage their finances, stay on top of their cash-flow, and get paid more efficiently. Users can invoice simply, automate reminders and track who has viewed their invoices and when, as well as check their customers’ credit scores. Using curated data, Solna delivers the right insights at the right time, allowing users to make more informed decisions and mitigate risk.
How they describe their product/innovation: Solna is innovating the invoicing process. The first platform of its kind to be powered by credit scoring data, Solna speeds up the payment process for small businesses; saving them time, mitigating risk, and allowing them to plan ahead and take advantage of new revenue opportunities.
Through leveraged credit data, that is overlaid on the platform’s invoicing/reporting functionality, users get a clear picture of their customer’s financial health and overall exposure to risk. The system’s automated credit control functionality automatically chases the user’s overdue invoices and frees up their time, enabling them to get on with growing their business.
Product distribution strategy: Direct to Business (B2B), , through other fintech companies and platforms
Contacts
Bus. Dev.: Inna Kaushan, [email protected]
Press: Fatima Ayoub, [email protected]
Sales: Makera Kigaraba, [email protected]
How they describe themselves: Smartify.it is a software company that provides solutions for optimizing, automating and monitoring business processes mainly in the fields of Supply Chain, Facility Management or C2C ecommerce market places. We offer a modular mobile platform that utilizes smart contracts on blockchain technology, real-time data platforms and IoT sensors. This platform provides a way to develop all sorts of different innovative applications. Possible applications are transferring assets with or without deposit, tracking objects or the environment, registering services and business processes on a trusted decentralized ledger or automating contractual terms execution or financial flows.
How they describe their product/innovation: Smartify.it will showcase a modernized delivery process with secure digital authentication, deposit account management, picture timestamp, location tracking and temperature control. Each delivery process is associated with its own smart contract on the blockchain. Users can define states beforehand with their smartphones and insure them by taking a picture and/or specifying a deposit. During the delivery process every stakeholder (sender, transporter, receiver, retailer etc.) can monitor the current holder, location and state of the package. In case of a violation of one of the conditions defined in the smart contract, the deposit is automatically payed out to the client.
Product distribution strategy: Direct to Business (B2B)
Contacts
Bus. Dev., Press & Sales: Frederic Vedrunes, [email protected]
How they describe themselves: Swiss blockchain startup SMART VALOR is creating a decentralized marketplace for tokenized alternative investments backed by secure custody for crypto assets. The tokenization of an asset (blockchain based securitization) enables a highly efficient way to create a digital record of an asset’s existence and transfer of ownership. SMART VALOR applies this concept to mostly illiquid assets such as private equity and hedge funds, private companies, real estate, collectibles and infrastructure. The company’s mission is to bridge the gap between traditional and crypto finance.
How they describe their product/innovation: SMART VALOR presents a blockchain based marketplace for alternative investments. The marketplace connects investors, asset issuers and service providers. It provides investors with an unprecedented access to alternative investment opportunities and increased liquidity in a secondary market. Asset issuers can access new capital channels and raise funds faster and more efficiently. Integral elements of the marketplace are governance systems and incentives facilitating a community-driven value creation.
Product distribution strategy: Direct to Consumer (B2C), Direct to Business (B2B), through financial institutions, through other fintech companies and platforms, licensed
Contacts
Bus. Dev. & Sales: Oliver Feldmeier, COO, [email protected]
Press: Linda Nyemba, Marketing & PR, [email protected]
How they describe themselves: SMART Valley is a distributed innovation valley that unites key players in the business sector: Investors, projects, experts in a closed ecosystem of a professional community, which pursues a perspective goal – the creation of promising and knowledge-intensive technologies.
How they describe their product/innovation: The platform has a number of key services that solve the most important problems of each of the ecosystem participants, allowing them to effectively interact and work on creating promising and significant products: the expert market, the safe transaction mechanism, the fundraising service, and the decentralized scoring system of projects by independent experts.
Product distribution strategy: Direct to Business (B2B)
Contacts
Press: Anastasia Liman, [email protected], +79037709986
Sales: Elizaveta Kalinkina, [email protected], +79164326502
