How they describe themselves: Ondot Systems is the creator of Mobile Card Services, a white-label solution that give consumers control over payment cards. Ondot brings together an experienced management team from the mobile, wireless, and payment card industries to deliver the security that consumers need with the convenience they demand.

How they describe their product/innovation: Ondot empowers cardholders to “remote control” their existing credit and debit cards from a smartphone app. Cardholders can lock or unlock their cards; set usage controls by location, merchants, transactions types, and spend limits; plus receive and respond instantly to alerts and offers. Parents can control their dependents’ spend, and employees can set controls for their employees’ purchases. Card issuers have reduced fraud costs by 60%, increased card revenue by 50%, and gained market share in high-growth consumer segments. These benefits are delivered via Ondot’s technology, which integrates user context and preferences seamlessly into the universal ISO payment standard for faster time-to-market.

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

Contacts:

Bus. Dev. & Sales: [email protected]

Press: [email protected]

How they describe themselves: Nexmo, a Vonage Company, is a global cloud communications platform leader providing innovative communication APIs and SDKs for voice, text, messaging and phone verification services. Nexmo enables applications and enterprises to communicate with their customers reliably and with ease, anywhere in the world. High-volume communication companies such as Alibaba and Viber send millions of messages per month using Nexmo APIs. Nexmo has been recognized as a Tier 1 A2P SMS Messaging Vendor in by Roaming Consulting Company, a Top 20 API Solution Provider by CIO Review, and a Hot Vendor in Real-Time Communication by Aragon Research. In 2016, Vonage (NYSE:VG), a leading provider of cloud communications for business, acquired Nexmo.

How they describe their product/innovation: The Verify SDK allows you to add phone verification with a single line of code for password replacement, passwordless logins, 2-factor authentication, and user/transaction verification across your mobile and web apps. It provides user management as a service, allowing you to focus on building core business logic, and includes libraries, code samples, documentation, and UIs. You can scale your app instantly as Verify SDK complies with changing carrier and country regulations, globally. To learn more, visit: www.nexmo.com/products/verify-sdk/

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

Contacts:

Bus. Dev. & Sales: John Lee, Asia Sales Director, [email protected]

Press: Adrian Richardson, Global PR Manager, [email protected]

How they describe themselves: Bad things happen to good people. At NetGuardians, we are dedicated to make the world a safer place by developing cutting-edge analytics technology. We foster a culture of innovation that we share with our customers. Named a Gartner Cool Vendor in 2015, NetGuardians is a Swiss FinTech company enabling banks to beat fraud and automate compliance. Our software leverages Big Data to correlate and analyze user behaviors across the entire bank system – not just at the transaction level. NetGuardians has a growing client base in Europe, the Middle East, Africa, and Asia. We have offices in Switzerland, Singapore, Kenya, and Poland.

How they describe their product/innovation: How to detect fraud before it happens and identify the fraudsters with 100% reliability? Banking fraud costs an estimated $67 billion per year. 70% is internal. Most remains undetected. It takes 18 months on average to discover a fraud case. Often it is too late. Our software platform is different. We will show you how FraudGuardian continuously analyzes user actions across the entire banking channels, IT layers, and financial transactions and detects fraud in real-time using dynamic profiling, pattern-based intelligence, and predictive analytics. Running like a Swiss clock-work, it tracks and audits all user actions and instantly sends alerts when there is an atypical activity, enabling banks to take a proactive risk mitigation approach.

Product distribution strategy: Direct to Business (B2B)

Contacts:

Bus. Dev.: Joel Winteregg, CEO & Co-Founder & Raffael Maio, COO & Co-Founder, [email protected]

Press: Mine Fornerod, Digital Marketing Manager, [email protected]

Sales: [email protected]

How they describe themselves: Moxtra is The Collaboration API. We provide customizable, and white-labeled APIs and SDKs to embed any aspect of collaboration into any new, or existing, software solution. In this instance we are focusing on FinTech, Financial Services, and Omni-Channel Banking. We are enabling partners to (Global Banks, FinTech Solutions, etc.,) increase their customer engagement, improve their customer experience, boost their NPS and make their applications mobile friendly and millennial ready.

How they describe their product/innovation: Moxtra is The Collaboration API. We provide customizable, and white-labeled APIs and SDKs to embed any aspect of collaboration into any new, or existing, software solution. In this instance we are focusing on FinTech, Financial Services, and Omni-Channel Banking. We will be showcasing an application for Banks to enable better communication and engagement between clients and relationship managers, clients and customer service, as well as the back end banking processes. By bringing collaboration that’s as mobile, and versatile as your users, you can bring the bank to them.

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

Contacts:

Bus. Dev.: Dave Pratt, Director, Bus. Dev., [email protected]

For APAC

Kiran Datar, Director of Bus. Dev., [email protected]

Press: Matthias Broner, Product Marketing, [email protected]

Sales: Kiran Datar, Director of Bus. Dev., [email protected]

How they describe themselves: Founded in 2012, Moneytree provides individuals and businesses with a comprehensive picture of their finances in one convenient place on iOS, Android and web. Moneytree KK’s proprietary data aggregation platform, Moneytree LINK (MT LINK), has over 15 major clients, including Japan’s big three accounting software vendors and Mizuho Bank, the first bank in Japan to provide customers with 3rd party financial data via our MT LINK API.

How they describe their product/innovation: We have developed a drop-in, mobile SDK that easily connects our MT LINK aggregation platform to 3rd party products and services. This product debuted with Mizuho Bank’s “Direct” app, and will be made widely available to our partners.

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

Contacts:

Bus. Dev.: Mark Makdad, Head of Platform & Co-Founder, [email protected]

Press: Zach Taub, Chief of Marketing, [email protected]

Sales: Hideki Kawai, Sales Lead, [email protected]

How they describe themselves: Marketsmojo is a multi-algorithm based unbiased financial investment analysing platform. The company aims to go global with the same approach over the next few months. Company analyses over 30 Million data points every month which covers market movements, fundamental research, technicals, expert recommendations, news across web, portfolio strategies and other environmental factors that may affect an investors decision making process. Current live coverage is on Indian Stock market and portfolio analyser. Over the next few months all financial products will be covered. Platform caters to direct clients and also as an integrated API for various financial intermediaries. Revenue Model- Content and transactional

How they describe their product/innovation: The multi algorithm based engine runs over 500 formulas run on every listed stock and sums up the analysis on 3 broad parameters- Quality, Valuation and Current Financial Trend. Investment opportunities based on these parameters are back tested for 5 years and results are publicly displayed on Mojo Stocks. Portfolio Analyser, similarly evaluates every opportunity with a 7 parametric approach. Clients investments are validated on stock selection, portfolio analyser, news relevancy, experts ratings & relevancy and momentum. TA- Retail and Institutional Clients via API

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

Contacts:

Bus. Dev., Press & Sales: Dr. Mohit Batra, [email protected], +919819027328

Founded in 2010, Marqeta has re-engineered how payment cards, virtual cards, and mobile authorization products should be developed and deployed. The Marqeta Platform, built from the ground up with no legacy infrastructure, provides the world’s first fully documented, open API issuer processor platform. Adopters of The Marqeta Platform include leading financial services, e-commerce, retail, and social media brands. Marqeta offers developer-friendly solutions to meet the ever-evolving demands of the payments market: DELIVERY, LEND, DISBURSE, EXPENSE, and VIRTUAL. Each of these solutions includes a sophisticated set of controls and configurations that are designed to meet the needs of on-demand service companies, alternative lenders, as well as those looking for payouts for 1099 workers, flexible expense management, and scalable, secure virtual card transactions.

Presentation

Democratizing Issuer Payment Processing with Just-In-Time “JIT” Funding

More than 20 years ago payment service providers were building Payment Gateways, the first technology solutions for e-commerce merchants to accept payment cards for purchases. The Payment Gateway made way for a wave of API innovation by providing accessibility and opportunity for anyone to become a merchant online. Now, Marqeta is bringing API innovation to the issuing side of payments through Just in Time “JIT” Funding, enabling commerce innovators to be part of the authorization stream of their payment card transactions in real time.

What You’ll Learn

• The anatomy of a payment card authorization
• Democratizing issuer payment processing by putting customers into the authorization stream
• Open Payments APIs

Presenter

Tony Ford, CTO

linkedin.com/in/tony4d | @tony4d | [email protected]

Tony is a technology and product leader with more than 15 years of experience building large-scale Internet applications and infrastructure. His passion is leading teams to build products that have a real impact for users. He specializes in open source software, distributed computing, and service-oriented architecture.

Modo provides a COIN^® operated Digital Payments Hub that connects new digital experiences to payments systems worldwide. Modo’s patented COIN^® transaction takes monetary value from just about any source and can deliver it to just about any destination, without requiring partners to modify their systems. Truly a “shipping container for global payments,” the Modo COIN^® simplifies the complex world of payments in the digital era.

Presentation

Modo Digital Payments Hub

Learn how to build brand spanking new digital payments experiences that connect to not so new (and please don’t spank them) existing payments systems using Modo’s Digital Payments Hub.

Using Modo, you can securely request money to move between any two payments systems, without anyone having to share the details of their identity or their payment credentials with someone else (besides your new best friends at Modo). No (new) accounts needed.

The Modo Digital Payments Hub is an awesome technology to design and manage the full lifecycle of digital payment transactions across the global payments ecosystem. Oh, and it’s COIN^® operated. The Modo Digital Payments Hub is made up of four components: Payments System Connectors, Payments Transactions, Credentials Vault, and Digital Experiences.

What You’ll Learn

• It’s easy to securely request money to move between any existing payments system connected to Modo. You can do it from any digital experience.
• New digital payments experiences need to use existing payments systems for scale, ease of adoption, and regulatory requirements. Don’t re-invent the bank (banks don’t like that).
• COIN^® Operated is the new Orange (which is the new Black).

Presenters

Bruce Parker, CEO

linkedin.com/in/bruceparker | @apaymentsgeek | [email protected] | 214.238.4799

Bruce Parker is a self-declared #paymentsgeek and has been a visionary and strategist for some of the largest and most innovative payments technology companies in the world. Bruce has created new products, built partnerships and shaped strategy that has moved the payments industry, in some cases, to tears.

Aaron Wilkinson, Chief Architect

linkedin.com/in/aaron-wilkinson-5a52184a | [email protected]

Aaron has a decade and a half of experience in Software Engineering starting with a foundation of real-time embedded software for high-end military vehicles and branching out to many other fields, from user interfaces to software architecture to web services.

Founded in 2010, MX teams up with digital banking providers and financial institutions to enhance the account holder experience and position banking partners as true advocates for end users. At its core, MX offers data-driven money management solutions that amplify user loyalty and drive an increase in profitable revenue.

Presentation

Real-Time, Open Source Fintech

The fintech community can benefit from real-time, open source solutions. In this presentation, we explore how to create call-back mechanisms and client-side libraries, including RubyGem and NodeJS.

What You’ll Learn

• How to create a call-back mechanism that can automatically send data to partners in real time
• Why open source code is the best path forward for the fintech community
• How to create client-side libraries, including RubyGem libraries and NodeJS libraries

Presenter

Brandon Dewitt, CTO

linkedin.com/in/brandon-dewitt-b3a1794 | @abrandoned | [email protected] | 801.669.5500

Brandon Dewitt, CTO at MX, uses his passion for helping people relieve financial stress to lead the charge of building and continually improving the company’s trusted banking platform. Brandon has a unique management philosophy that focuses on team members taking responsibility and managing themselves.

OCR Labs specialises in OCR and FR technology on mobile and web platforms. Our technology includes cutting edge identity proofing and fraud detection features such as Facial Recognition, geographic security feature analysis, and many more. The Orbit engine combines these features in an easily deployable, native iOS or android SDK or web service. Orbit was designed to be used in the onboarding and re-authentication process of telco’s, financial intuitions, and governments to create the same level of trust in a remote transaction as in a face to face. Supporting over 300 countries with a database of 300+ passports and 250+ other ID documents, OCR Labs is leading the way in Identity proofing, fraud prevention.

Presentation

The Evolution of ID Scanning ID scanning is a norm for collecting personal information from users for either KYC/AML or simply utilizing information on an ID to fill out an application form. While tracking through the history of how OCR on a mobile platform has worked, OCR Labs debuts a new standard of scanning and ID validation. What You’ll Learn

• A new way of thinking about OCR and Facial Recognition when choosing to add it to your product or workflow
• Current challenges with using OCR ID capturing and Facial Recognition for Identity Proofing and how we have solved them
• Where Identity proofing is heading and what we should see in the future

Presenters

Matthew Adams, CTO Daniel Aiello, CIO

Personal Capital is the smart way to track and manage your financial life. Our award-winning online tools put all of your accounts all in one place – including those not under our management. You’ll get real-time data that uncovers trends and accurately reflects your cash flow. And as fiduciaries, our advisors are legally bound to act in your best interest and will never put their personal financial gain above yours. The result is a complete transformation in the way you understand, manage and grow your net worth – at significantly less cost than traditional financial advisors and with no hidden fees.

Presentation

Data Driven Account Opening

We are sharing a new way of opening investment accounts. Our app and dashboard allow users to link any financial account (from a credit card to a student loan, 401k, or mortgage), and we apply heuristic and machine learning techniques to increase the quality of aggregated data so users and their advisors can see all accounts and data in one place.

Because we enabled both the user and his/her advisor to see the same holistic financial picture, we transformed the traditional “opening and funding of an account” transaction into a natural conversation about the best way to implement a financial plan, including better portfolio and tax strategies, by moving money from a held away account to an on-us account. We use rich personal financial data to make account opening as seamless as possible.

What You’ll Learn

• As a user, I want the system to use my aggregated financial data to create an actionable financial plan.
• As a user, I want the system to leverage all of the financial information it has about me and my behavior to make the account opening seamless and collaborative.
• As a product manager, I want the account opening forms to have personality and be organized in bite-sized conversations to keep users engaged.

Presenters

Ehsan Lavassani, Founding Engineer & Chief Engineering Officer

linkedin.com/in/ehsanlavassani | @EhsanLavassani | [email protected]

Ehsan Lavassani is Personal Capital’s Chief Engineering Officer and its first employee. He architected Personal Capital’s core systems from the ground up and formed its world-class engineering team. Previously, he was one of the main architects of RSA’s Adaptive Authentication system.

Ravi Gundlapalli, Director of Engineering, Frontend

linkedin.com/in/gundla | @ravgundla | [email protected]

Ravi Gundlapalli is the Director of Engineering at Personal Capital. He loves all things javascript and has led UI development for Personal Capital since the firm’s inception. Ravi has been working in the advisory industry for 10+ years and truly believes in Personal Capital’s mission – Better Financial Lives For Everyone.