Consumers, citizens and employees increasingly expect anytime-anywhere experiences, whether they are making purchases, crossing borders, accessing e-gov services or logging onto corporate networks. Entrust Datacard offers the trusted identity and secure transaction technologies that make those experiences reliable and secure. Solutions range from the physical world of financial cards, passports and ID cards to the digital realm of authentication, certificates and secure communications. With more than 2,000 Entrust Datacard colleagues around the world and a network of strong global partners, the company serves customers in 150 countries worldwide.

Presentation

Safeguarding Your Banking Applications

Learn how integrating second factor authentication into banking applications using soft tokens and One-Time Passwords (OTPs) can safeguard banking applications.

This technology allows banking applications to retrieve an OTP from a soft token stored in the Entrust IdentityGuard Mobile Soft Token application without needing the banking application to embed a SDK. Banks can leverage the security protection offered by Entrust Datacard without the need for a large investment in development resources. End users will temporarily switch to the Entrust Datacard application to approve the authentication for the transaction. Users do not need to perform any manual copy and paste actions of OTP values, as with traditional OTP applications. In this case, end users could be customers of banks or bank employees. Banks that have multiple mobile applications can use the same technique across all applications and re-use the same soft token across multiple applications.

What You’ll Learn

• Attendees will learn about a simplified way in which they can incorporate second factor authentication into their banking applications.
• This technology can help to combat fraudulent transaction, especially card not present fraud, which is on the rise due to the move to EMV technology.
• Banks can leverage this technology without significant investment in resources.

Presenters

Jason Soroko, Security Technologies Manager

[email protected]

Matt Rose, Technical Sales Consultant

[email protected]

Enova International, Inc. (NYSE: ENVA) is a leading provider of online financial services to non-prime consumers and small businesses, providing access to credit powered by its advanced analytics, innovative technology, and world-class online platforms and services. Through its portfolio of trusted brands, Enova has provided over four million customers around the globe access to more than $17 billion in loans and financing and offers online lending platform services to other lenders. Through its Enova Decisions brand, it delivers on-demand decision-making technology and real-time predictive analytics services to clients across industries that want to make fast, data-driven decisions at scale.

Presentation

Real-Time in the Real World: Building a State of the Art Real-Time Analytics Platform

Protecting and growing the profitability of any company is always top of mind for business stakeholders. Technology teams must be flexible and creative in their approach in order to produce technical infrastructures that will drive business results. Find out how Enova International built an automated real-time and data-driven, decision-making machine called the Colossus platform, drove $7 million in incremental profitability within the first year, and launched the platform as a predictive analytics service through its Enova Decisions brand to serve clients that want to make fast, data-driven decisions at scale. We’ll explore how developing real-time decisions around fraud, underwriting, payments, and operations can improve the customer experience and contribute to business success while touching on lessons learned throughout the development process.

What You’ll Learn

• How real-time decisions in fraud, underwriting, payments, and operations improve the customer experience and positively impact the bottom line
• Lessons learned (some the hard way) during the dev process, including why it’s important to provide use cases at the very beginning of development and why you should invest in a paid pilot
• What it takes to build a technical infrastructure in house and common challenges faced along the way

Presenter

John Higginson, CTO

linkedin.com/in/johnjhigginson | @johnjhigginson

John joined Enova as CTO in 2014. Previously, he was CTO of Wheels, Inc. and worked at FTD Companies, Inc., and Applied Systems, Inc. John has a BA from Northern Illinois University and an MS in IT and privacy law from the John Marshall Law School. He also is an MBA Executive Advisory Board member at Lewis University.

How they describe themselves: GoodData enables payment processors and data providers to share valuable analytics with large financial services corporations, merchants and other partners in order to help them personalize sales, improve consumer loyalty, and maximize the profitability of every organization within their B2B network. With upwards of 250 customers and millions of users, our data products are used by more than 42% of the Fortune 500 every day. GoodData is headquartered in San Francisco and is backed by Andreessen Horowitz, General Catalyst Partners, Intel Capital, TOTVS, and others.

How they describe their product/innovation: GoodData empowers financial services organizations to commercialize and monetize their data by providing the platform and expertise to create and distribute self-service analytics. Our clients include enterprises that deliver data products or packaged analytics to their B2B networks and software companies that embed analytics within existing applications.

GoodData’s scalable platform is designed to work alongside existing teams and tools to create and securely distribute targeted analytics to financial services corporations, merchants, and partners. This automated delivery of interactive analytics help data providers and payment processors personalize client applications that increase sales, improve consumer loyalty, and maximize profitability from their network.

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

Contacts:

Bus. Dev.: Jeff Morris, VP Data Monetization Strategy & Success, [email protected]
Press: Amy Duryea, Sr. Manager Customer & Partner Marketing, [email protected]
Sales: Tony Nigro, VP Regional Sales East, [email protected]

How they describe themselves: GainX helps Financial Services companies measure and achieve a far greater ROI on innovation strategy. The GainX Innovation Strategy Management SaaS platform balances delivery and creativity from idea to commercialization, repeatedly, with three fully integrated applications: Insights™, Intellect™ and OpenThinking™. Our markets include Fortune500s and Globa1000s in FSI, retail, automotive and health.

How they describe their product/innovation: Innovation is more than great ideas. GainX continues to lead and define the Innovation Strategy Management (ISM) market. With the launch of our latest technology, OpenThinking™, GainX provides the bridge between innovation at the edge of your business and your core enterprise. Unlike anything in the market, OpenThinking™ combines predictive analytics, artificial intelligence, semantic analysis and in-depth behavioural analytics to drive cultural change and improve innovation capacity. OpenThinking™ is fully integrated with our platform so that creativity and delivery stay in balance and you can sustain market success, repeatedly. The result is a greater ROII through increased productivity, employee engagement, clarity of vision and reduced risk of in-market failure.

Product distribution strategy: Direct to Business (B2B)

Contacts:

Bus. Dev.: Laura Meadows, Communications and Research Manager, [email protected], 647 460 2240
Press: Ellyn Winters-Robinson, [email protected], 519-574-2196
Sales: Angelique Mohring, [email protected], 519-589-3436

How they describe themselves: FutureVault has built a cloud-based ‎white label B2B2C solution for financial service organizations to acquire, retain & reward clients while yielding invaluable data & analytics. Conversely, consumers are offered the most sophisticated digital safety deposit box ever built. Users safely deposit, store and manage personal, financial & legal documents in a highly structured digital filing cabinet across multiple entities (individuals, corporations, trusts, family members, etc.). FutureVault affords unique collaboration between clients, their providing organization and their network of trusted advisors (i.e.: wealth advisor, accountant, lawyer, etc.), increasing trust, helping capitalize on opportunities, all while keeping life organized.

How they describe their product/innovation: FutureVault will be demoing its interactive end user web application, which will be offered & distributed largely as a white label product through financial service organizations. Users can store & manage important personal, financial & legal documents for multiple entities in a highly structured & secure “filing cabinet in the cloud”. Highlighted features include: an extensive file structure; proprietary OCR auto-filing; document tagging, summary forms, reports; custom reminders and contacts. FutureVault allows for unique collaboration & file sharing between professionals & clients, including their external network of trusted advisors, while producing a full fiduciary trail – this feature will change how the business world communicates.

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

Contacts:

Bus. Dev.: G. Scott Paterson, [email protected], 416-917-1964
Press: Michael Bradley, CMO, [email protected], 416-627-2309
Sales: Richard Adair, Vice Chair & Head of Business Development, [email protected], 647-401-6484

How they describe themselves: Full Profile develops solutions to real world problems in the agri-sector that bring transparency, efficiency, and trust to farmers and the post-farmgate ecosystem. In addition to our AgriDigital agri-blockchain and commodity management software solutions, Full Profile is exploring opportunities such as novel grower financing, simple on-farm contract management, and solutions for the livestock, wool, rice, cotton and horticultural industries.

How they describe their product/innovation: AgriDigital brings efficiency to agricultural commodity supply chain transactions. Our agri-blockchains and smart contracts help growers get paid immediately, save buyers time and money, de-risk financing for banks, and enable paddock to plate transparency for consumers. We are rolling out a pilot in the Australian grains sector in 2016 which will demonstrate real-time payment on title transfer of the grain between grower and buyer, and live position and mark to market reporting for inventory finance providers. Other parties with a claim on the proceeds, such as levy collecting agencies, end point royalty collectors, or logistics providers, can be paid simultaneously and securely, and users can access provenance data.

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

Contacts:

Bus. Dev. & Sales: Emma Weston, CEO, AgriDigital, [email protected], +61 407 830 136, @emmamweston
Press: Sarah Nolet, [email protected]

How they describe themselves: Fiserv is a global organization with more than 13,000 clients and 22,000 associates worldwide and takes pride in its mission to enable clients to achieve best-in-class results. The company is highly regarded for its financial services technology and services innovation, including award-winning solutions for mobile and online banking, payments, risk management, data analytics and core account processing.

How they describe their product/innovation: Fiserv understands that consumers are increasingly demanding more impactful banking experiences from their financial institutions. Built on Fiserv’s globally-­‐proven Mobiliti™ platform, we will showcase a form of alternative finance that has emerged outside of the traditional financial system. We will be demonstrating a Fiserv powered solution that integrates traditional loan applications with bank-­‐secured social funding in a mobile-­‐first context to deliver a secure and effortless collaborative digital banking experience.

Product distribution strategy: Through financial institutions

Contacts:

Bus. Dev.: Kelly Rodriguez, VP, Strategy & Business Development, [email protected], 678-375-1095
Press: Ann Cave, Director, Public Relations, [email protected], 678-375-4039
Sales: Randy Butzer, SVP Sales, Card Services, and Digital Banking Group, [email protected], 678- 375-1098

How they describe themselves: FIS delivers leading-edge mobile solutions for more than 34 millions users, powering apps for over 1,600 banks and merchants. Our innovative suite of mobile banking and payments products are delivered as client-branded apps that connect customers to their money in a way that’s intuitive and secure.

How they describe their product/innovation: FIS Mobile is extending its Cardless Cash™ solution to provide customers with faster, more secure options for sending and picking up cash – to anyone, anywhere, at any ATM. FIS Cardless Cash now allows mobile banking users to pre-order funds from the privacy of their mobile banking apps and withdraw cash at participating banks and PAI ATMs in over 70,000 stores, gas stations, restaurants and shopping malls across the United States.

Contacts:

Press: Michael Gormley, Global Public Relations, FIS, [email protected]

How they describe themselves: FF is focused on the global personal transactional advice market, helping banks to improve returns on the mobile payments / PFM game, where classic retrospective analysis is too technical, while people look for natural simple cues that are rather forward looking. We plan to work alongside major institutions (via API) and help them improve the effect they have communicating with their customers by allowing our platform to enrich the transactional data with simple cues, honed through years of multi-dimensional study of economics, behavioural science and machine learning algorithms. We are a privately funded research project turned into business, pushing for first pilots with several major international banks in early Q4 2016.

How they describe their product/innovation: FF behavioural analytics platform helps global retail financial institutions enrich and gamify transactional data they report back to customers, so that they could prioritise their spending around areas of their lives that truly matter in the long term. Involving over 60 (and counting) peer-reviewed papers and monographs on behavioural and happiness economics, neural networks and psychology, biases etc., FF uses the data to communicate a proactive spending path for each individual user through our white-label app, API as well as chat interfaces. We help users to plan for the routine transactions, nudge towards long-term purchases vs in-the-moment whims and gamify spending so that one gets a better and human feedback on his spending.

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

Contacts:

Bus. Dev., Press & Sales: Daniel Gusev, CEO, [email protected]

How they describe themselves: Featurespace is the world-leader in Adaptive Behavioural Analytics and creator of the ARIC engine, a machine learning software platform developed out of the University of Cambridge. The ARIC engine monitors individual behaviours to catch new fraud attacks as they happen. The increased accuracy of understanding customer behaviour simultaneously reduces the number of genuine customers whose purchases and transactions are incorrectly declined. Head quartered in Cambridge, UK, Featurespace has deployed ARIC to organisations that have services or products deployed in over 180 countries. Customers include Betfair, Vocalink/Zapp, Camelot, William Hill, and TSYS, the largest third-party processor of Visa® and MasterCard® credit cards in the US.

How they describe their product/innovation: Featurespace is the first company to identify new fraud attacks as they occur, enabling our clients to shift from writing rules after the attack, to blocking threats as they take place. Organisations do not need to second-guess where the next fraudulent threat is coming from, or from which device. ARIC Fraud Manager understands the real-time behaviour of each individual customer. It uses a machine learning approach to prevent fraud by spotting anomalous behaviour as soon as it occurs. The models constantly measure their own accuracy against the rate of change. This approach is innovative in recognising legitimate customer behaviour, reducing the number of genuine customers declined and improving customer experience.

Product distribution strategy: Licensed

Contacts:

Press: Rebecca Amos, Head of Marketing, [email protected], 01223 345940
Sales: Matt Mills, Commercial Director, [email protected], 0207 297 2599

How they describe themselves: Unlock every opportunity with Eyeprint ID™. One look logs you into banking apps and secures your mobile payments. Eyeprint ID has been deployed by dozens of financial institutions for mobile banking and mobile payments – delivering convenient, private and secure authentication to millions of consumers today.

How they describe their product/innovation: Eyeprint ID transforms an ordinary selfie into a key that protects your digital life. This patented, software-only biometric solution is 99.99% accurate and extremely scalable. In less than one second, with no add-on hardware, employees and customers will experience password-free mobility. An Eyeprint can never be lost, stolen or intercepted because it is scrambled and encrypted locally on your locally – it never leaves your device. Eyeprint ID uses existing 1+ MP front facing cameras to image and pattern match the visible vein patterns and unique micro feature sin and around the eye.

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

Contacts:

Bus. Dev.: Crystal Peppiatt, Business Development Manager, [email protected]
Press: Tinna Hung, Director of Marketing, [email protected]
Sales: Chris Barnett, EVP Global Sales & Marketing, [email protected]

How they describe themselves: Experian’s Fraud and Identity Solutions is a leader in customer-centric identity and fraud solutions, providing fraud management solutions to some of the world’s largest brands in financial services, insurance, and retail. In Forrester’s 2016 “Vendor Landscape: Mobile Fraud Management”, Experian Fraud and Identity Solutions was cited as having the most capabilities and one of the highest estimated revenues in total fraud management in the market, between $200 million and $250 million. Using our discreet solutions, Experian’s clients detect and prevent hundreds of millions of dollars in fraud annually, maximizing profitability while providing secure, hassle-free interactions and delivering a positive consumer experience.

How they describe their product/innovation: CrossCore™ – catch fraud faster, improve compliance and enhance the customer experience. Using a single access point, CrossCore allows you to integrate technology from multiple providers to address different dangers. With CrossCore all of your fraud and identity solutions work together through a single API, reducing friction and false positives, meaning more growth for your business. Built on a modern SaaS architecture, CrossCore is designed for faster near term benefit than typical IT projects. CrossCore puts more control in the hands of your fraud team to adapt and deploy strategies that keep up with the pace of fraud while reducing burdens on IT and data science teams.

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

Contacts:

Bus. Dev.: Dan Elvester, Head of Strategic Alliances, [email protected], 858-279-9940
Press: Matt Tatham, PR Manager, [email protected], 971-888-5975
Sales: Clayton Leonard, [email protected], 714-830-5100