How they describe themselves: D3 Banking is the creation of Lodo Software. Lodo’s roots are in the lower downtown district of Denver, Colorado, where it all began in 2007. Today, we are headquartered on the Silicon Prairie in Omaha, Nebraska. Over 190 financial institutions use solutions from Lodo to provide customers with data-rich financial management and planning tools. Our premise is that today’s consumer expects convenient access to a full range of personalized financial services. Financial institutions that want to gain the trust of these consumers are struggling with disparate systems that limit what they can know about – and do for – the customer. We created D3 Banking for those customers and financial institutions.

How they describe their product/innovation: D3 Banking is data driven digital™ banking. It provides a full range of integrated financial services using a powerful, predictive analytics engine to deliver a personalized customer experience anytime, anywhere, on any device. The D3 Banking components utilize next generation technology and can be deployed on a single server or distributed across servers to support cloud-computing environments. Those components include: D3 Analytics™, D3 Insight™, D3 UX™, D3 Apps™, D3 API™, D3 Connect™ and D3 Control™. These components provide the resources necessary for financial institutions to deliver a consistent, relevant and profitable experience to their customers.

How they describe themselves: IND Group is an internet and mobile banking, PFM and payments technology software vendor for financial institutions. Focusing on customer experience, our goal is to evolve e-banking technology to web 2.0, turning it into a sales and customer engagement platform. Our unique innovations and multichannel products support banks’ in-development needs caused by the economic slowdown.

Growing since it was founded in 1997, IND operates in several European countries and is represented through its partner network in CIS countries and the Middle East.

How they describe their product/innovation: By placing the customers at the center, we have reshaped the traditional idea of PFM to meet the end-users’ everyday needs. Instead of functions and features we have developed stories that are real life situations, emerging in different stages of our lives and having financial impact, such as “Expecting a baby”, “Prepare for a rainy day”, “Buy a home”, “How to spend less” or “Retirement planning.” This entirely new approach in digital financial customer service takes online banking and financial management to the next level, offering mass retail financial planning and advice.

Contacts:

Bus. Dev. & Sales: József Nyíri, Founder & Chief Innovator, [email protected]
Press: Adrienn Baráth, Marketing Director, [email protected]

How they describe themselves: A dynamic company, led by strong experience in the IT area, ITSector has over 200 highly qualified professionals. We invest in innovation and development of efficient solutions for our clients. We implement integrated multi-channel solutions for large financial institutions, comprising web banking, contact center, IVR, SMS, mobile (HTTP and APPs) channels, with several solutions being recognized with international awards. Other products developed are Fast Account Creation (open a bank account in a simple way) integrated with FlowCredit (credit solution from simulation to loan). ITSector has a software factory located in Porto, and provides near shore services within Europe.

How they describe their product/innovation: “SmartBank TV” is a product that offers financial services based on the Google TV platform. It is intended to use the global widespread of sales in smart TVs. The solution offers a channel for customers of a bank to access its financial services from their TV. The solution offers a different way to get notifications for its financial provider on the TV, and to access financial services like account balance, movements, credit cards and services payments from the TV. It provides a new sales channel for the financial institution with easy process of sale.

Contacts:

Bus. Dev.: João Lima Pinto, Director, [email protected], +351962189909
Press: Rui Lima, [email protected], +351967686366
Sales: Alda Carvalho, [email protected], +351962189907

How they describe themselves: Kabbage has pioneered the first financial services data and technology platform to provide funding to small businesses in less than 7 minutes.  Kabbage leverages data generated through business activity such as seller channels, social media, shipping data, and other sources to understand performance and craft financing options for small businesses.

How they describe their product/innovation: Kabbage has launched its services in the UK at uk.kabbage.com. Now small businesses in the UK can link their eBay and PayPal accounts to Kabbage’s platform and receive funding in minutes!

Contacts:

Bus. Dev.: Sam Wheeler, SVP Bus. Dev., [email protected]
Press: Ann Noder, Pitch PR, [email protected]

How they describe themselves: Kalixa is one of the largest payment providers in the world. It enables its customers to make and accept payments anywhere, anytime and any way, transforming browsers into buyers, risk into reward and cost into competitive advantage. Kalixa provides wallet, acceptance and processing services on a low cost, low risk, integrated payments platform. Kalixa serves consumers as well as businesses large and small. One company, one account and one platform, Kalixa takes the cost and complexity out of making and accepting payments – any device (tablet, mobile, PC), any channel (web, mobile, phone, in-store) without boundaries (pan-European acceptance/ issuing, mobile POS acceptance).

How they describe their product/innovation: Kalixa mpos is a new mobile POS device enabling ‘prosumers’ and small businesses to accept payments anywhere, anytime and anyhow. Kalixa mpos accepts all major debit and credit cards and can be used wherever, whenever. Kalixa mpos is totally secure and can offer businesses next day settlement without contract.

Kalixa is a wallet linked to multiple devices – offering consumers one account, one wallet, one way to pay. As an m-wallet, Kalixa can make P2P and NFC transactions, in-store, online, or payment over the phone, as well as offering the ability to withdraw cash from ATMs. With no exchange fees, no commission, no charges, Kalixa is prepaid and easy to load via internet banking, credit/debit card, voucher and direct company payments.

Contacts:

Bus. Dev.: Joy Morozov, Bus. Dev. Manager, [email protected],
Callum Waddell, Relationship Manager, [email protected]
Press: Sarah Wilson, CCgroup PR, [email protected]

How they describe themselves: Kalypton operates at the cusp of regulatory compliance and IT. Historically, services included consulting and information management compliance for blue chip organizations such as Microsoft.

Moving forward, the focus is on Tereon® our proprietary toolkit being launched at Finovate as a deployed solution for banks and other payment service providers. Tereon enables our customers to develop new payment services without constraint and to collaborate to create new payment networks. The Tereon architecture facilitates rapid innovation, supporting any device form factor and business logic, whilst ensuring low costs, high security and complete regulatory compliance.

How they describe their product/innovation: Tereon was developed for, and proven at scale by, an African bank.

Tereon is a complete payment ecosystem that can use EMV, operate a closed loop, or support interoperability. It provides flexible instruction processing, and can use existing core systems and settlement processes, for a secure, end-to-end, business process.

It provides payment service providers with a powerful toolkit for rapid innovation to create a stream of payment services.

All Tereon services meet stringent standards for regulatory compliance and security. We are demonstrating a four party deployment supporting payments from phone to phone, phone to card terminal, card to terminal and on-line.

Contacts:

Bus. Dev., Press & Sales: Alun Thomas, Head of Bus. Dev., [email protected],
+44 7585 773177

How they describe themselves: What is Kantox? Kantox is the low-cost solution for exchanging foreign currencies. For example, with every $100,000 transaction, our clients save an average of $1,500.

Who do we work with? Top tier companies but also SMEs with revenues ranging from $1M to $1B USD use our service to make massive savings. We have executed single trades for over $1M.

Kantox is regulated by the FSA in the UK to guarantee the security of client’s funds.

How they describe their product/innovation: How does it work? Kantox makes it possible for currencies to be exchanged transparently, directly between companies without going through the banking system and thus avoiding paying excessive bank commissions.

What do we offer? We offer spot and forward transactions in more than 20 foreign currencies.

Contacts:

Bus. Dev., Press & Sales: Philippe Gelis, CEO, [email protected]

How they describe themselves: figo is a consumer facing cloud-based service that aggregates bank- and payment accounts, enriches transaction data and adds customisable real-time notifications. figo can easily be extended or used by 3rd parties via the figo-API.

How they describe their product/innovation:

• The figo-API is bringing together banks, payment providers and financial service providers via one API and stored in the cloud.
• We‘re transforming your finances into meaningful and actionable views, categories, budgets and recommendations by enriching transaction metadata.
• We‘re changing the banking paradigm from a PULL to a PUSH experience.
• The figo-API is an off-the-shelf solution for service providers that want to offer bank account related services.

Contacts:

Bus. Dev., Press & Sales: André M. Bajorat, COO

How they describe themselves: Liqpay is a project of the Center of E-Business of Privatbank. The Liqpay team specializes in innovative web and mobile services development – Liqpay (liqpay.com), iPay (pos.liqpay.com), SiteHeart (siteheart.com) and a number of other projects.

How they describe their product/innovation: Smartphone applications that allow users to manage ATMs (cardless & contactless cash withdrawal) and payment apps for gas stations.

Contacts:

Bus. Dev.: Maria Gurina, Liqpay Bus. Dev. Manager, [email protected], +380665277569
Press: Alexander Vityaz, Founder & CEO, [email protected]

How they describe themselves: Luminous is a boutique, banking innovation company specialising in developing solutions that reduce costs, boost growth, and deliver ROI. Luminous is active in North America, United Kingdom, Europe, Africa, India, and Asia Pacific. Products include: BankFiling, Insights, Business Money Manager, Personal Money Manager, and Merchant Insights.

How they describe their product/innovation: BankFiling loan origination solution enables financial institutions to increase lending to business banking customers, while reducing risk.

Contacts:

Bus. Dev. & Sales: Andrew Buchanan, Global Head of Sales, [email protected], +44 207-692-4080, +44 776-680-4968
Press: Philippa Newnes, Head of Marketing, [email protected],
+61 401-915-153

How they describe themselves: Innovation Agency is a leading consultancy firm in the field of innovation with a presence in the United States of America, Europe, Asia, Africa, and Australia. We pride ourselves on our ability to access the untapped wealth of knowledge that resides within an organisation’s idea-sharing and problem-solving networks. In the field of organisational Network Analysis Innovations, our knowledge and experience is without equal. Using detailed innovation maturity assessments, we are able to accurately map social and organisational networks. This is used to structure innovation initiatives in a way that ensures the greatest possible benefit for our clients’ unique requirements.

How they describe their product/innovation: Innovation Café is an advanced crowdsourcing innovation platform for companies to engage their innovation communities. It is highly configurable and provides for both private and public ecologies, as well as emergent and structured innovation approaches. It is a lightweight platform with advanced white labelling and custom theme capabilities. The platform’s versatility gives it the ability to integrate with multiple systems including SharePoint, Oracle, and WebSphere. It provides detailed reporting and is capable of dealing with high volumes of traffic, users, and ideas. It has sophisticated social ranking and rating mechanisms. Crowd sourcing and community collaboration focus attention on business objectives that are enhanced through idea challenges.

Contacts:

Bus. Dev. & Sales: Rory Moore, CEO, [email protected]
Press: Tosca Both, Brand Manager, [email protected]

How they describe themselves: InterAcct Solutions Group is a specialist, business-to-business mobile banking, payments and security solutions provider. The company was founded in 2001 having developed proprietary technology that facilitates the deployment of applications and services that initially utilized the benefits of USSD technology, but now form a complete integrated platform for all mobile channels and 3rd party interfaces.

How they describe their product/innovation: The InterAcct product suite encompasses self-care, mobile banking/payments, direct handset reload, authentication and secure messaging for Mobile Network Operators and financial institutions.

Contacts:

Bus. Dev., Press & Sales: Rozlyn Swan, Asian CEO, [email protected], +65 9671 6577