How they describe themselves: itBit is a global bitcoin exchange offering institutional and retail investors a powerful platform to buy and sell bitcoin.

By combining Silicon Valley innovation with Wall Street expertise, itBit is building next-gen digital currency products and services. As a pioneer in bitcoin technology and regulatory compliance, our core mission is to provide clients with a trusted institutional-grade exchange that operates at the highest level of sophistication. Our team’s financial expertise combined with our passion for the transformative power of bitcoin creates a culture focused on innovating the financial technologies of the future.

How they describe their product/innovation: itBit offers an institutional-grade exchange that is available to traders around the world. Our innovative platform, created for retail and institutional clients, adheres to the strictest levels of regulatory compliance and recently became the first and only regulated exchange that can accept customers across the US. The exchange supports both REST API and the Financial Information Exchange (FIX) protocols to serve sophisticated traders.

Contacts:

Bus. Dev.: Bobby Cho, Director of Institutional Client Group, [email protected]
Press: [email protected]

How they describe themselves: LifePay mPOS EMV chip&pin is a start point of the LifePay ecosystem for a customer. LifePay is the largest mPOS EMV chip&pin company in Russia providing revolutionary technology that allows SMEs to accept payments by plastic cards via a smartphone, mobile application, and small secure reader.

LifePay also offers the LifePay Stand solution with a printer and cashbox as a next-gen Cash Register.

All merchants have access to their metrics via merchant portal to get ideas about the improvement of their business.

How they describe their product/innovation: We created LifePay to merge all of our products into one ecosystem that will support B2B and B2C financial services through the entire customer journey for both merchants and individuals.

LifePay is rolling out business solutions to new markets in Asia and Europe, including:

• mPOS
• Cash Register with LifePAD and MDM-system
• Merchant portal with CRM and sales analytics
• Online acquiring
• Credits for merchants
• POS credits for individuals

Product distribution strategy: Direct to Consumer (B2C), Direct to Business (B2B), through financial institutions

Contacts:

Bus. Dev. & Sales: Igor Pesin, CFO, [email protected], (m) +7 917 500 46 37
Press: Anna Yanchevskaya, PR Director, [email protected], +7 906 778 21 26

How they describe themselves: The KPAX platform was developed over a period of 7 years, beginning in 2007. The company is headquartered in Belgium, with additional offices in London at the Canary Wharf.

How they describe their product/innovation: KPAX is a powerful tool developed for strategic automated regression testing and reconciliations for Financial Services and data users in other sectors.

KPAX automatically runs comparisons between data sets removing manual processing, which provides an advance in the speed and quality of data.

KPAX can be installed as a virtual machine, on servers, or via the cloud.

Product distribution strategy: Direct to Business (B2B), through financial institutions, through other FinTech companies and platforms

How they describe themselves: Smart e-Money is a PCI-DSS certified entity and a wholly owned digital financial solutions subsidiary of Smart Communications, the largest network in the Philippines with more than 72.5M subscribers as of September 2013.

With over 10 years of experience, Smart e-Money pioneers mobile banking and mobile wallet services, implementing a proprietary mobile commerce infrastructure that spans various products and services across different market segments. It provides opportunities for financial institutions to introduce their services to unbanked customers including anti-fraud security solutions. It also provides opportunities for mobile network operators to expand the range of products available to their customers.

How they describe their product/innovation: To address the potential breach in credit card or ATM security, LockByMobile provides an additional security layer for cardholder accounts such as credit, debit, ATM and prepaid cards, or even electronic wallets. It empowers cardholders to take control by “locking and unlocking” their accounts in real time using their mobile phone. Furthermore, the service offers granular settings such as locking specific channels (point of sale, online, mobile, or ATM), or transaction settings (amount and merchant types), as well as limiting the transactions to certain countries and currencies.

LockByMobile’s concept comes from the Lock/Unlock feature of Smart Money, winner of the ‘Best Mobile Security Feature’ award in November, 2009 GSMA in Barcelona.

Product distribution strategy: Direct to Business (B2B), through financial institutions

Contacts:

Bus. Dev.: Guillaume Danielou, Senior Product Manager Innovation, [email protected], +63 9985559391
Press & Sales: Angelito Villanueva, VP & Head of Innovation, [email protected], +63 9989756671

How they describe themselves: Ixaris’ Payments Server is a cloud based open payments platform that enables banks to create powerful card-based payment applications for purchasing, incentives, payroll, disbursement, etc. – without any programming. Applications can be created from scratch or as modifications of existing ones; any applications created can then be published in a Payments Application Store. The Applications can be customized and deployed to target a specific consumer or business segment or even as a separate instance for each individual corporate customer. Ixaris Payments Server can be delivered as part of a complete card processing suite or alternatives can run over legacy processing systems.

How they describe their product/innovation: Ixaris is demonstrating a UI editor that banks can provide to a corporate customer so that the corporate can safely and in a compliant manner, customize the instance of the Application that the bank has deployed for them.

Critically, this patent-pending technology enables customization to be carried out by non-technical staff – operational staff or web agency – without compromising security.

In addition to static web page and cardholder portal content, the customer can change the way in which transactions and payment instruments are handled. Tools are also provided for the bank to review, approve, and control the entry of changes into production.

Product distribution strategy: Direct to Business (B2B), through financial institutions, through other fintech companies and platforms

Contacts:

Bus. Dev. & Sales: Chris Black, Bus. Dev. Director, [email protected]
Press: Alex Mifsud, CEO, [email protected]

How they describe themselves: IDmission offers cloud-based solutions for Identity initiated customer on-boarding and engagement including KYC, biometrics, and payments. Our technology toolkit consists of a cloud based platform (Ada) with a built in service bus that connects to 3rd parties on demand. The Ada API enables front-end applications to easily use all of Ada’s sophisticated capabilities for enabling modern commerce via customer and transaction management. Our customers are financial services companies around the globe.

How they describe their product/innovation: INFORM is a fully configurable Enterprise forms product that enables building of sophisticated user experiences without any programming. You can build your own forms with KYC, document management, image processing, biometrics, online calls, workflows, and payments integrated into them. INFORM is integrally connected to Ada, our cloud platform infrastructure, enabling reuse of all Ada’s software components and connectivity to 3rd party systems.

Product distribution strategy: Direct to Business (B2B), through financial institutions, through global partners

Contacts:

Bus. Dev.: Ashim Banerjee, CEO, [email protected], +1 800-925-8041 X 201
Press: Angela Schmuck, VP Product Dev., [email protected], +1 800-925-8041 X 204
Sales: Dave Owen, EVP Sales, [email protected], +1 800-925-8041 X 205

How they describe themselves: Intelligent Environments is a provider of innovative mobile and online solutions for financial service organisations. We do this through Interact®, our single software platform that enables secure applications, engagement, transactions, and servicing across all digital channels; focused around the mobile, PC, tablet, and Smartwatch.

We provide a ready alternative to internally developed solutions, enabling our clients with a faster route to market, expertise in managing the complexity of multiple devices and operating systems, as well as a solution that constantly evolves with changing customer needs.

How they describe their product/innovation: AppSensorFS is a software capability built into Interact®, our multi-channel banking platform, which enables the business application to detect and neutralise a security threat in real time. It makes the application attack aware.

AppSensorFS deploys sensors within the application to detect potential threats. At its core is an expert system that makes real-time decisions to direct appropriate defence responses.

AppSensorFS is a next generation security feature specifically designed for Financial Services end-user applications. The framework extends to both web browser and mobile app based solutions.

Product distribution strategy: Direct to Business (B2B), through other fintech companies and platforms, licensed

Contacts:

Bus. Dev.: Jerry Mulle, [email protected], +44 (0)7884 361 076
Press: Paula Betham, [email protected], +44 (0)203 617 8463
Sales: Jonathan Withers, [email protected], +44 (0)208 614 9824

How they describe themselves: investUP – the crowdfunding supermarket.

UP allows investors to invest across all their favourite P2P, debt & equity sites using just one account, enabling them to build one centralised portfolio. UP is completely free, with no hidden costs.

Crowdfunding in the UK is already responsible for £1.74B in funding in 2014. With the growth of awareness and the influx of funding from P2P ISAs, this is anticipated to rise to £4.4B in 2015. Global crowdfunding growth currently outstrips Moore’s Law by a factor of 10. In the UK, there are currently 100+ debt & equity based crowdfunding platforms.

How they describe their product/innovation: UP offers a centralised access point to the entire UK crowdfunding market, and includes deals originated by traditional finance providers.

Current investor pain points: searching for the best deals on all the different sites is time consuming, likewise the post-investment experience is lacking. UP makes it possible for client investors to have just one account and manage one portfolio, whilst still accessing and investing on all their favorite sites.

Product distribution strategy: Direct to Consumer (B2C), Direct to Business (B2B), through financial institutions, through other fintech companies and affiliate platforms

Contacts:

Bus. Dev.: James Tuckett, CEO, [email protected], 07791 025 234
Press: Dom Wolf, CMO, [email protected], 07824 313 754

How they describe themselves: InvoiceSharing is a Free Electronic Invoice Distribution Platform. We provide an online platform where companies connect their accountings systems. These companies send and receive electronic invoices directly from their system, via InvoiceSharing, to the client system. We made this process free!

We speak all the languages of all systems, platforms, and suppliers. Systems and suppliers now make us their standard. Our revenues come from premium products that give companies lower costs (e.g. automating invoice processing, reporting tools) and increase cash flow (e.g. connecting all providers of alternative financing). In addition, we sell white label versions of the platform to banks, software companies, and platforms that need invoice data.

How they describe their product/innovation: We learned that BANKS need a white label version of the InvoiceSharing platform for 5 reasons:

1. Reduce Cost of Capital (cost of unused lines of credit)
2. Bring added value to clients and upsell more
3. Distribute cash to companies in a new way
4. Split transactions and services provided to customers
5. Prove that banks do not over credit companies

We are launching the first white label version for banks to capture all the data they need to achieve these goals! Capturing all data from incoming and outgoing invoices and combining it with payment data and data from the company’s clients systems allows banks to lend more money with less risk at lower costs.

Product distribution strategy: Through financial institutions, through other fintech companies and platforms, licensed

Contacts:

Bus. Dev. & Press: Jeroen Volk, CEO, +31622780470, +447765697888
Sales: Stephen van Stek, +31646789937

How they describe themselves: iSignthis offers it’s authentication technology as a cloud based identity and transaction authentication solution for payment service providers (PSPs), including payment gateways, financial institutions, card issuers, and acquirers.

Our service also assists Anti Money Laundering (AML), Counter Terrorism Funding (CTF), Patriot Act, or Bank Secrecy Act regulated entities in identifying their customers. These entities include eWallets, cryptocurrency exchanges, online gaming/wagering operators, stock/commodity/FX brokers, and PSPs.

Further applications include eCommerce operators and PSPs seeking a high sales conversion, multi card scheme identity and payment authentication tool as an alternative to 3DSecure.

How they describe their product/innovation: A global, highly scalable, and fully remote combined evidence of identity and transaction authentication system to assist clients with meeting i) Know Your Customer “KYC” for AML/CTF requirements and ii) Strong Customer/payment authentication. The service generates evidence of identity on a dynamic basis, linking transaction parameters to the payment instrument and multifactor authentication. The service also assists PSPs with meeting the European Banking Authority’s ‘SecuRE Pay’ Strong Customer Authentication requirements, and the EC’s PSD2.

The service further provides operational benefits for any online business seeking to reduce customer onboarding friction, mitigate CNP fraud, and/or streamline operations.

Product distribution strategy: Direct to Business (B2B), through financial institutions, through other fintech companies and platforms, licensed

Contacts:

Bus. Dev. & Press: John Karantzis, Managing Director & CEO, [email protected]
Sales: Marc Bongers, Commercial Director, Europe, [email protected],
Andrew Karantzis, Sales Director, Asia Pacific, [email protected]