MX launched its core Digital Money Management (DMM) solution, MoneyDesktop, in October 2010 and, in just five years, has become one of the fastest growing fintech companies and the DMM provider of choice to more than 550 banks and credit unions. MX is committed to building online and mobile financial software that entices consumers to increase their financial intelligence through a user experience that makes money management feel natural, simple and gratifying. As the industry is disrupted at a rapid pace, MX is committed to keeping financial institutions relevant and on the forefront of innovation.

Presentation

How You Build Something Is More Important Than What You’re Building

Is your code simple, clean and maintainable? That’s the first question you should be asking rather than focusing on function. Studies have shown that up to 70 % of the cost of software is incurred during maintenance. Readability, or the ease of reading source code, can promote software maintainability and is at the core of MX’s philosophy. In this 20 minute session, Brandon Dewitt, MX’s CTO, is discussing the fundamentals of building technology and how MX is delivering innovation and better code directly into hands of the engineers responsible for technology in their financial institutions.

What You’ll Learn

• Building a maintainable platform
• Why style of code matters
• Facilitating a smooth transition as you onboard new engineers

Presenter

Brandon Dewitt, CTO
linkedin.com/pub/brandon-dewitt/4/179/b3a | @abrandoned | [email protected]

Brandon Dewitt, CTO of MX, actively contributes to open source projects and has worked in software engineering at Nike, BakerHill, and Experian. He leads the MX engineering team to produce cutting-edge solutions for the fintech industry.

Modo is connecting commerce to the new digital economy. Modo’s platform operates like a shipping container for intermodal payments. Value can be loaded into the container from a variety of systems, delivered across one or more channels, and arrive at a wide variety of destinations. Modo connects different types of value as well, including cards & accounts, and currencies such as digital, loyalty, offers, gifts, and cryptocurrencies. Modo also connects directly to mobile phones, with an innovative Connected Beacon™ that makes beacons two-way instead of one-way interactions.

Presentation

Mobile Payments are Dead . . . Long Live Digital Payments

Mobile payments are the solution for a problem that doesn’t exist. Modo’s CEO will describe his voyage of discovery from mobile to digital and demonstrate why connecting commerce is the next big wave in payments.

What You’ll Learn

• Why digital is the new mobile
• How connecting commerce breaks the logjam
• Get a tour of Modo – awesome for connecting commerce to the new digital economy

Presenters

Bruce Parker, CEO & Founder
linkedin.com/in/bruceparker | [email protected] | 214-477-5196

Bruce Parker is a self-declared payments geek and has been a visionary and strategist for the 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.

Aaron Wilkinson, Chief Architech & Founder
linkedin.com/pub/aaron-wilkinson/4a/218/5a5 | [email protected] | 214-702-2144

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.

Markit is a leading global provider of financial information services. We provide products that enhance transparency, reduce risk and improve operational efficiency. Our customers include banks, hedge funds, asset managers, central banks, regulators, auditors, fund administrators and insurance companies. Founded in 2003, we employ over 4,000 people in 11 countries. Markit shares are listed on Nasdaq under the symbol MRKT. For more information, please see www.markit.com.

Presentation

The Future is Now: Modernization & Modularity as Keys to Rich UX

Using browser-based technologies and a capabilities-oriented modular approach, we can create anticipatory personalized experiences that make desktop and terminal replacements a thing of the present. We will cover F2 (openf2.org), an open source foundation and web integration framework, as well as several key Markit capabilities (Charting, Smart Text, Personalization), as key building blocks for multi party integrated experiences.

What You’ll Learn

• What F2 is, and how it can solve brokerage, wealth management, and banking related problems
• The ease with which Amazon-like personalized experiences for financial services can be created
• Markit’s capabilities and deep experience with key technologies for financial services, such as Charting and Smart Text

Presenter

Tim Burcham, Head of Labs
linkedin.com/pub/dir/Tim/Burcham | [email protected] | 303-583-4292

Over the last 16 years, Tim has worked with Markit (formerly Wall Street On Demand) architecting, coding, managing, mentoring & leading teams to deliver high-quality websites & rich user experiences under incredibly high traffic volumes and tight timeframes.

Praesidio is a cloud-based cybersecurity company that was formed by bankers and security experts to solve the critical, real-world problems of breach detection, remediation, and governance insight that Financial Institutions (FI) are grappling with today. Praesidio bridges the gap between Governance and IT by linking your cybersecurity policies with the millions of system events where threats hide. It aggregates data across all cybersecurity tools to provide real-time management reporting that proves to your security team, board, auditors and regulators that your FI is actively managing and enforcing its policies.

Presentation

log.error(“impossible”)

If you’re not collecting your logs, you’re not secure. Just like testing, centralized log management should be an essential part of modern software development. If you collect your application’s logs you can debug faster, find problems missed by tests, monitor your systems, and find security problems. And you just might discover that the impossible happens all the time.

What You’ll Learn

• Centralized log management is essential.
• You can’t know what is happening in your application if you are not monitoring log data.
• Security is a must have and you must have logging in order to have security; therefore, logging is a must have.

Presenter

Sean Cassidy, CTO
@sean_a_cassidy | [email protected]

Sean Cassidy is an engineer and leader who builds the right products the right way. At Limelight Networks, he built their video transcoding system and worked on Cisco’s ASA firewall. Sean holds a Master’s of Computer Engineering from RIT and is the author of numerous open source projects.

Personal Capital is a next generation financial advisor, named by CNBC as a “Top Disruptor” for our innovative approach to wealth management. Our award-winning free tools and mobile apps give clients a complete picture of their net worth, and we offer comprehensive financial advisory services previously only available to the ultra-wealthy. This combination of high-tech and high-touch drives our ability to deliver truly personal and objective wealth management for the Internet and mobile age. We believe this is the best way to empower individuals and their money.

Presentation

Data-Driven Retirement Planning

Presenting the inner workings of a truly data-driven retirement planner created by leveraging user’s aggregated financial data, enhanced by machine learning and personalized by user’s life events and goals. We will discuss how the investing and financial planning strategies are triggered to update as the user moves through different stages of her life and makes changes to her spending and saving behaviors. Finally, we will show how this functionality is visualized through a UI that makes sophisticated algorithms and complex data easy to use for any user, regardless of investing knowledge.

What You’ll Learn

• How we employ machine learning techniques to forecast growth of a user’s portfolio and estimate available retirement spending
• How we create a connected ecosystem that allows a user and his/her dedicated advisor to collaborate on the same financial data and retirement plan
• How we use AWS infrastructure to supercharge our data-driven retirement planner

Presenters

Fritz Robbins, CTO
linkedin.com/in/fritzrobbins | @fritz_robbins | [email protected]

Fritz Robbins is the CTO of Personal Capital, responsible for definition and execution of the technology roadmap and leadership of the technology teams. He has previously led technology and engineering efforts at Wells Fargo, Excite@Home, RSA Security, and elsewhere.

Ehsan Lavassani, VP Engineering & Founding Engineer
linkedin.com/in/ehsanlavassani | @EhsanLavassani | [email protected]

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

OnDeck (NYSE: ONDK) is a leading platform for small business loans. Using advanced lending technology and analytics, OnDeck assesses small business creditworthiness based on actual operating performance and not solely on personal credit. Small businesses can apply for a line of credit or term loan online in minutes, get a decision immediately and receive funds in as fast as the same day. Since 2007, OnDeck has deployed more than $3B to small businesses nationwide.

Presentation

Fueling Small Business Growth Through Technology Innovation

An overview of OnDeck’s technology platform and how our desktop and mobile innovations have not only transformed small business lending but also enabled other companies to better serve their small business customers.

OnDeck’s proprietary technology platform is powering the growth of small business. We have sophisticated and scalable APIs to enable financial institutions, payment processing companies and other small business service providers to connect their small business customers to the financing they need to grow.

What You’ll Learn

• Small Business Loans
• Credit Technology
• OnDeck’s sophisticated APIs

Presenters

Pamela Rice, SVP Technology
linkedin.com/in/pamelagrice | @pamela7rice

Pamela Rice has served as OnDeck’s Senior Vice President of Technology since March 2014. Prior to joining OnDeck, Ms. Rice was an early senior technologist and led credit product development at Bill Me Later, Inc. from July 2005 until it was acquired by PayPal, Inc., a subsidiary of eBay, Inc., in October 2008. She led Credit Underwriting including Global Credit Technology at PayPal, Inc. from October 2008 to February 2014. Ms. Rice holds a B.A. from the University of Hawaii, an M.S. in Information Systems from Johns Hopkins University and an Executive M.B.A. from Loyola University.

Alberto Silveira, Mobile R&D Lead, Software Development

Nexmo is the 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, no matter where in the world they are located. Companies such as Alibaba, Airbnb, LINE and Viber send millions of messages per month using Nexmo APIs. Nexmo was recognized by analyst firm Gartner as a 2014 Cool Vendor in Communication Service and by Roaming Consulting Company as a Tier 1 A2P SMS Messaging Vendor in 2015.

Presentation

Using the Cloud to Decrease Fraud, Secure Transactions, and Protect User Identity

Online and mobile banking has come of age and consumers today are empowered with dozens of convenient ways to manage their finances online. However, securing transactions, protecting user identity and protecting both the financial institutions and consumers from an ever-increasing risk of fraud has not evolved. Most users do not follow the recommended practices for online security, and the fragmentation of online identities implies most of them repeat their passwords across their different identities. Strong authentication in such scenarios is often cumbersome and makes for a bad end-user experience. In this session, we share how Nexmo’s APIs & SDKs can help you increase security, significantly decrease fraud and protect user identity, without compromising the end-user’s experience.

What You’ll Learn

• How phone number based identifiers coupled with phone based verifications can help businesses easily implement Strong Authentication to increase security, significantly decrease fraud and protect user identity, without compromising the end-user’s experience
• How you can quickly and easily integrate Nexmo’s powerful APIs into most fintech app flows
• How to future proof your engineering efforts by using best practices to be ready for scale from the start, regardless of the size of your user base

Presenter

Eric Nadalin, CTO
uk.linkedin.com/in/enadalin  |  [email protected]

Eric Nadalin is the CTO and co-founder of Nexmo. Eric has managed teams in both the payments and messaging spaces for 18 years. His startup, iPIN, was acquired by Valista and integrated with major mobile operators around the globe. Eric holds a Bachelor’s and Master’s Degree in Computer Science.

The Mifos Initiative is the open source developer community that builds and guides the world’s first open source financial services platform, reaching more than 3.5 million account holders worldwide. We are a flourishing ecosystem of fifty development partners, global volunteers, and Silicon Valley corporate sponsors that builds and supports fin-tech solutions for more than 120 financial institutions in forty different countries. Each year, 80M transactions and $791M dollars flows through our platform. Our next generation is LibreFinance, an open source application framework for digital financial services, that will catalyze a new era of digital, interoperable, financial services.

Presentation

LibreFinance – Rapid Application Development for Digital Financial Services

We will present the architectural concept of LibreFinance, an Open Source Application Framework for digital financial services, highlighting the two main use cases: Account Management and Transaction Interoperability. LibreFinance offers a set of lightweight, scalable, and value added components to create consumer focused digital financial services solutions without the need to build common features and infrastructure again and again. Components are available to allow easy integration in every scenario, from a generic integration (e.g. Security, Accounting), via specialized modules (e.g. Tiered KYC, FARM, Transaction Processing), to fully integrated solutions.

What You’ll Learn

• Rapid application development using an open source application framework specifically designed to meet the needs of digital financial services (DFS)
• The essential DFS use cases should be delivered as value-added, lightweight, service-oriented, scalable open-source components
• Don’t waste time and money on the infrastructure. Keep focus on customers, products, UX, marketplace agility and go-to-market strategy

Presenter

Markus Geiss, CTO & Chief Architect
[email protected]