How they describe themselves: Fiserv is a global organization with more than 13,000 clients and 21,000 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 the need to improve how people manage their money, including how people start a relationship with their financial institution. Users expect to open an account how and when they want, with a rich experience across all the channels they use, including online, branch, and mobile. Our mobile account opening innovation, targeted at millennials, showcases our concept for complete account opening on a mobile device, leveraging the unique capabilities of mobile and delivering the type of experience expected by mobile users – focusing on one aspect of the broader omnichannel account opening capabilities from Fiserv.
Product distribution strategy: Through financial institutions
Contacts:
Press: Ann Cave, Director Public Relations, [email protected], 678-375-4039
Sales: Randy Butzer, SVP Sales, Card Services & Digital Banking Group, [email protected], 678-375-1098
How they describe themselves: Fintonic is mobile banking for the products that matter. Fintonic leverages big data financial information, using proprietary credit scoring and machine learning algorithms, to provide customers with an unparalleled financial experience and highly targeted loans and insurance products. Fintonic provides a 360 degree access point for customers to all their accounts and financial information and provides them through the analysis of millions of financial data points with relevant financial products and a superb user experience. Fintonic´s algorithm analyses the suitability of a user for a loan and presents it with pre-approved loans that can be contracted with just one click in a seamless mobile experience.
How they describe their product/innovation: Fintonic will be introducing an innovative alert and inbox system that will help users act timely on their financial needs, recommendations or product proposals, followed by a product workflow that has fully transformed the loan underwriting process, turning it into a seamless and unique digital experience for mobile users, leveraging the new available technologies in mobile devices (camera, touchpad, geolocation) and cutting-edge big data & advanced analytics methodologies.
Product distribution strategy: Direct to Consumer (B2C)
Contacts:
Bus. Dev.: Sergio Chalbaud, CEO & Founder, [email protected]
Press: Kayla Inserra, [email protected], Diffusion PR, 347-851-7305
How they describe themselves: US consumers receive over 24 billion bills every year via snail mail despite the advances in digital and mobile technology. Research has shown that the eBill customers are worth 25% more than just the bill pay customers. But the financial institutions have not been able to improve the eBill adoption or offer a holistic bill management experience to their customers. Finovera’s Digital Bill Management solution solves this problem and redefines how consumers receive, manage and pay bills in the new digital banking era. It brings simplicity, control and convenience to consumer’s life and transforms online banking into a customer’s financial hub. Banks and credit unions benefit by increased retention, higher revenue and lower support cost.
How they describe their product/innovation: Bill Pay is an essential feature of mobile and online banking today. But it is a big expense for banks and credit unions. Finovera DirectPay is an innovative payment method that reduces bill pay cost and generates interchange revenue by making bill pay possible through credit or debit cards. It bypasses the processor and posts card payments directly on the biller site on behalf of the user. When the customer pays the bill using the bank issued card, the bank earns interchange fee, interest income and saves on the traditional bill pay cost. Bank customers earn reward points and the payment get posted in real time. Billers get paid on time and reduce their collection and service cost by making the payment process easy and convenient.
Product distribution strategy: Direct to Business (B2B) through banks and credit unions, through FinTech partner companies and solution providers, Direct to Consumer (B2C)
Contacts:
Bus. Dev.: Purna Pareek, CEO, [email protected]
Press: Amanda Zepeda, Marketing Manager, [email protected]
Sales: Mike Mollenkamp, Dir. Bus. Dev., [email protected]
How they describe themselves: Finova Financial is a socially responsible lender that provides fast affordable loans based on the equity in your car, to the 70 million financially underserved Americans that spend $138 billion in fees and interest annually.
How they describe their product/innovation: Finova’s Car Equity Line of Credit (C-LOC) costs 70% less than the current national average, provides instant access to capital, and a 12-month pathway back to financial health, online, mobile, anywhere, 24/7.
Finova clients benefit from the ability to complete the loan process online, instant approval decisions and same day cash funding. The Finova client portal provides personalized access to our financial dashboard allowing real time management of your financial health. Payments can be made from the convenience of any computer or mobile device and at 32,000 US retail locations. Successful payment history provides declining rates, the opportunity to establish and build credit, along with access to additional funds on demand.
Finova provides an immediate solution to our clients’ credit needs, the ability to monitor their progress in real time, which when coupled with Finova’s ongoing financial education provides a pathway to improved economic health.
Product distribution strategy: Direct to Business (B2B), through financial institutions
Contacts:
Bus. Dev.: Derek Acree, COO & CLO, [email protected]
Press: Alfredo Rosing, CMO, [email protected]
Sales: Juan Ramirez, CFO, [email protected]
How they describe themselves: Finaeos Equity and Offering Syndication Hub. We are The Programmable Cloud platform – compliance cloud hub where any portal, bank, financial services firm can “tie in” from legacy systems, into the emerging equity and debt securities markets. The Finaeos platform is hosted, in partnership, with Microsoft, on Microsoft Azure. Powered by our patented 1to1Core platform which has a long standing success in the market – with several billion in transactions processed across industries in private equity and real estate and mortgage banking.
How they describe their product/innovation: Finaeos will demo the RoboFunder platform, that demonstrates a new model for syndicating equity offering solutions between portals, lenders, investors and the “crowd”. The platform links professionals to issuers, investors to offerings and lenders for bridge financing to the SMB market. Through our patented “Core Syndication Registry” all transactions associated with a business are created, transferred, tracked – all communications and reporting are delivered, securely. Compliance rules are matched with regulations – offering a 100% audit trail.
Product distribution strategy: Direct to Business (B2B), through financial institutions, through other fintech companies and platforms, licensed
Contacts:
Bus. Dev. & Sales: Robert Gerrard, Chief Business Officer, [email protected], 214-837-0419
Press: Tim Vasko, CEO, Inventor & Founder, [email protected], 206-939-7829
How they describe themselves: Founded in 2013, EquityZen has developed a proprietary, secure, and fully integrated platform for conducting secondary transactions in private companies. With nearly 1,000 issuer-approved investments facilitated to date, we have automated antiquated, offline processes and packaged them together to offer investment opportunities and liquidity. Our platform offers a seamless experience for buyers, sellers, and companies alike. By working directly with shareholders and issuers, we have been able to secure exclusive access to over half of the largest private VC-backed companies in the US.
How they describe their product/innovation: EquityZen Institutional brings the power of its secondary platform directly to institutional investors by allowing the management of private investment portfolios in a fully integrated and streamlined application. Family offices, financial advisors, and other institutional investors can now browse offerings, access research, and execute investments on behalf of multiple accounts with just a few simple clicks. Post-investment analytics also grant the ability to holistically manage all private investments in one place, and eliminates the need to manually monitor risk exposure by simplifying reporting for all parties.
Product distribution strategy: Direct to Business (B2B), through financial institutions.
Contacts:
Bus. Dev.: Phil Haslett, Founder & Head of Investments, [email protected]
Press: Andy Hoffman, Media Relations, [email protected]
Sales: Kaylock Yam, Distribution Lead, [email protected]
How they describe themselves: Envestnet, Inc. (NYSE: ENV) is a leading provider of unified wealth management technology and services to investment advisors. Envestnet | Yodlee is a leading data aggregation and data analytics platform powering dynamic, cloud-based innovation for digital financial services. More than 950 companies subscribe to the Envestnet | Yodlee platform to power financial apps and services for millions of consumers. Our solutions help digital customer experiences, and drive better outcomes for our clients and their customers.
How they describe their product/innovation: Advisor Now: Envestnet’s digital advice portal provides advisors and their institutions the technology and tools needed to deliver high-quality, personalized investment services however and whenever clients want them. Using a new feature available through the Advisor Now solution, which integrates the powerful data platform and FinApps from Envestnet | Yodlee, the investor can link all elements of their financial life into a single view to be shared with their advisor and to facilitate the creation and ongoing management of long term investment goals. With unique tools to access, manage, and project, making financial decisions has never been more rewarding or actionable.
Product distribution strategy: Direct to Business (B2B)
Contacts:
Press: Margo Mendez-Penate, Account Director, LEWIS, [email protected], 415-432-2403 (o), 917-297-1582 (m)
Sales: Pamela Jacobs, Head of Advisor Now, [email protected], 312-818-5853
How they describe themselves: Empyr’s card-linked platform enables fintech companies and banks to monetize online-to-offline commerce – an estimated $4.5 trillion market opportunity based on the 93% of commerce that is still conducted offline in the U.S.
How they describe their product/innovation: With Empyr, fintech companies and banks automatically earn revenue on every offline transaction driven from their website, app or email, while simultaneously rewarding their consumers with cash back or points, and driving more business to local merchants. It’s truly frictionless – no coupons, loyalty cards or apps for consumers to manage, and no hardware or software for merchants to learn and maintain. Instead, it leverages something we all use – credit and debit cards. Empyr’s patent-pending technology is made possible through real-time data partnerships with Visa®, MasterCard®, and American Express®. Implementation is easy with the Empyr API. And the monetization opportunity expands every day through Empyr’s growing base of offline merchants.
Product distribution strategy: Licensed direct to business (B2B), through financial institutions, and through other fintech companies and platforms.
Contacts:
Bus. Dev.: Peter Vogel, VP Bus. Dev., [email protected], 619-459-7254
Press: Holly, [email protected] & [email protected]
How they describe themselves: Earnix provides an integrated customer analytics software solution to leading financial services companies. Earnix software enables banks and insurance providers to predict the impact of customer risk and behavior on business performance, allowing executives to align product, pricing and promotion strategies with corporate goals. By combining predictive modeling and optimization with real-time connectivity to core operational systems, Earnix brings the power of analytic-driven decisions to every customer interaction point.
How they describe their product/innovation: Earnix Banking 8.0 is a new version dedicated to retail banking product, pricing and promotion decision making. The product encapsulates an advanced predictive analytics decision engine and a simple GUI designed for the bank’s product and retail managers. Earnix Banking solution caters to the entire banking product creation process – from data and performance analysis, through pricing and targeting, and on to deployment and real-time operations through the bank’s distribution channels. It allows the bank’s product manager to use the power of predictive analytics to furnish data-driven pricing and product strategies with a few clicks of a mouse.
Product distribution strategy: Direct to Business (B2B), licensed
Contacts:
Bus. Dev. & Sales: Mick Martin, Director, North American Banking, [email protected], (m) 302-438-2383
Press: Aviv Cohen, VP Marketing, [email protected]
Forte Payment Systems is a leading provider of innovative and dynamic electronic payments solutions for ever-changing, omni-channel needs. They offer scalable enterprise-class solutions through an optimized suite of comprehensive payment services including credit card processing, ACH/eCheck origination and fraud prevention. Forte serves growing organizations of all sizes by reducing transaction costs, mitigating risk and increasing efficiencies with thoughtful, consistent care.
Presentation
Forte Payment Systems
We are showcasing our new platform that empowers developers with the resources to build the next generation of payments-enabled solutions. Spanning the widest spectrum of capabilities in the marketplace, Forte’s payment solutions provide the flexibility to power even the most unique business needs across any channel.
What You’ll Learn
- Gain a competitive advantage
- Reduce risk
- Ease the implementation for all of your payments needs by partnering with Forte
Presenters
Craig Raney, Strategic Partner Sales Executive
Mithun Patel, Software Developer
Flybits offers a unique app personalization and experience management solution in the cloud. Flybits is the easiest way for app developers and mobile marketers to enhance iOS and Android apps to deliver rich, personalized experiences that delight customers. Using Flybits slashes the coding needed to integrate all sources of contextual information – location, social profiles, user behavior and preferences, environmental data, and more. Digital marketers use our Experience Studio interface to change an app’s content and behavior on the fly, as they refine their mobile Internet strategies, without coding. Flybits brings true agility to mobile marketing.
Presentation
Using Flybits Experience Management for Mobile Banking
Flybits will show the Flybits SDK / APIs and how easily they can be added to an iOS or Android app to slash the coding needed to make an app context-aware. We will then show how to use our Experience Studio interface to change the app’s content in real time without coding. We will end with showing how developers and digital marketers can use our Visual Rules Engine, to be announced at the show, to change app business rules on the fly.
What You’ll Learn
- The Flybits SDK/ APIs make it easy to integrate any source of contextual information, including location. Sources include all device sensors and any public or private APIs.
- Flybits Experience Studio allows developers and non-coders to change their apps’ behavior in real time, without more coding, and without resubmitting the apps for approval.
- Flybits Visual Rules Engine provides a simple and powerful interface to change, without coding, the business logic of a live app, allowing easy personalization of the app experience.
Presenters
Jerry Rudisin, CEO
linkedin.com/in/rudisin |  @jrudisin  |  [email protected]  |  650.906.8395
Jerry Rudisin joined Flybits with 30 years of executive experience in enterprise software companies. These include eight years as VP of Marketing at Rational Software followed by CEO roles at three venture-backed startups, which were acquired. He earned a BS from MIT and MS from UCLA, both in Computer Science.
Petar Kramaric, Director of Platform Development
ca.linkedin.com/in/petarkramaric  |  [email protected] |  905.616.2654
Petar is a founder of Flybits, responsible for the design, development and architecture of much of our product. He holds a B.Sc and M.Sc from Ryerson University. Petar is an expert in iOS and Android and has developed several Android apps for enterprise customers as well as personal apps.
Founded in 1999, Finicity is a privately held fintech industry pioneer. Leading the charge to the Evented Financial Web, Finicity enables fintech developers to build real-time apps through its RESTful Aggregation API, the Finicity API Platform and its suite of TxPUSH compliant real-time aggregation services.
Presentation
The Launch of Real-Time Transaction Push
Finicity, the fintech industry pioneer founded in 1999, will demonstrate the first TxPUSH compliant real-time aggregation services that will push financial transaction data to software applications instead of the typical pull methodology found in standard aggregation. This instant availability of financial transaction data will unlock fintech innovation and pave the way to the ultimate delivery of real-time transaction push from the financial institution to software applications.
What You’ll Learn
- How Finicity will disrupt the aggregation industry by changing the standard pull aggregation methodology to a transaction push methodology
- How Finicity will deliver Real-Time financial transaction push to software applications with TxPUSH compliant API Endpoints
- How Finicity will help software developers deliver a more compelling UX
Presenter
Nick Thomas, President & Co-Founder
linkedin.com/in/nicholasathomas |  @nickthomas  |  [email protected]  |  650.450.8127
Nick Thomas is the President and Co-Founder of Finicity. In 1999, Finicity became one of the first subscription-based SaaS companies on the web. It has grown to service hundreds of thousands of customers and awarded “Product of the Year” by PC World. Nick holds seven US and International Patents.
