How they describe themselves: Five Degrees (NL|IS) is a core banking technology provider offering The Real Alternative to banks and other financial institutions wishing to serve their customers differently. Faster, at lower cost, more transparent, from and to any device, and with more insight for all parties involved including bank staff, clients, and regulators through Matrix – its core Digital Banking Platform. Clients include Knab, Crédit Agricole, Van Lanschot and Leaseplan Bank. Five Degrees’ Matrix has been showcased 3 consecutive years at FinovateEurope 2013, ’14 & ’15, and was awarded a ranking in the prestigious 2014 & 2015 FinTech50.

How they describe their product/innovation: Matrix Accounts is a modern lean back office solution that manages product and admin specific data for the benefit of the mid and front office operations. Matrix Accounts is designed for existing banks, as well as banks of the next generation. With a focus on automation, flexibility, traceability and security, Matrix Accounts is the solution for lowering cost and enhancing agility in the banking environment. Matrix Accounts incorporates a highly flexible product-builder, to support the varying needs of different kinds of banks: retail, commercial and investment. Matrix Accounts comes with basic features, covering all standard needs of any bank.

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

Contacts:

Bus. Dev. & Sales: Wendy Ravensbergen, [email protected]

Press: Ernst Roelofs, [email protected]

How they describe themselves: Fintura offers a loan rate comparison portal for SME-loans. They offer better loan rates than peer2peer-lending (0.4-4.4% (percentage points) better), better service times and higher quality. Market of new SME loans in Germany is €120M per anno worldwide >€ 1.7T. Brokerage fee is 1.5% of the loan volume, resulting in an earning potential of € 1.8B in Germany and >€25B worldwide. Target EBIT-Margin: 33%, like Interhyp with a similar model in the mortgage business. Customers are SMEs, freelancers, independent professionals.

How they describe their product/innovation: Comparison platform for SME-loans:

SMEs get: Risk adjusted loan-rate comparison in between 15 min, approval of bank chosen by the customer in between 72h, best price in the market, transparency between prices in the market.

Partner banks get: New business in target segments, process cost reduction, risk diversification

Product distribution strategy: Direct to Business (B2B)

Contacts:

Bus. Dev. & Press: Dr. Gernot A. Overbeck, CEO, [email protected]

Sales: Michaela Mohri, CSO, [email protected]

How they describe themselves: In essence, Finhorizon is a finance information firm. Our team represents a combination of profound skills and experiences in economics, higher mathematics, managing risks in banking and advising investors face-to-face or online. We refine financial data scientifically to measure risks and estimate returns. The results of our activity are performance ratings, which make us the first ever Investment Performance Rating Agency. Investors and those servicing investors buy our information to make better fact-based decisions. Our performance ratings and risk-return-time-benchmarks in the investor’s home currency are comprehensible to any investor, independent of the level of financial literacy.

How they describe their product/innovation: Our performance ratings are used to consistently compare all financial products across all asset classes. fairvalues© has the power to inject A-Z transparency in any investment advisory process. The transparency stems from our impartial across-all-asset-classes-estimation process, combining multiple approaches to investment analysis. Our profiling process (1) takes into account the investor’s preferences regarding risk-return, reference currency and time horizons, (2) provides an investor-specific, fair and fully understandable assessment of the risk-return trade-offs available and (3) finally leads to investor-unique portfolios. Firms servicing investors benefit from the inherent compliance with regulatory requirements.

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

Contacts:

Bus. Dev.: Christian Hafner, CEO, [email protected] ,+41 79 213 07 88

Press & Sales: Dr. Andreas Zimmermann, Chairman, [email protected], +41 79 223 73 79

How they describe themselves: Featurespace’s ARIC™ system provides world-leading machine learning fraud protection for Financial Services, Insurance and Gaming. ARIC is a real-time system which spots new fraud attacks as they happen, and enables clients to accept more good business from genuine transactions. Cutting-edge Adaptive Behavioural Analytics uses proprietary algorithms to build a real-time statistical profile for each individual customer, enabling informed business risk decisions. Clients are increasing Card Not Present fraud detection by 80%, reducing genuine declines by 70% and improving operational efficiency by 50%. Featurespace is one of the Sunday Times Tech Track Ones to Watch and a Gartner Cool Vendor.

How they describe their product/innovation: ARIC’s new Sandbox capability is a first for any live fraud protection system. This cutting-edge innovation enables clients to validate and train their fraud models on historic data in their own production environment. For the first time, there is no need to export batch data to test changes and updates. All the changes can be made, tested and delivered within the ARIC platform via an easy to use interface. This is revolutionary for fraud systems, giving clients complete control over optimising and updating fraud models in their own live environment, in a completely secure workflow.

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

Contacts:

Bus. Dev. & Sales: Matt Mills, Commercial Director, [email protected], +44(0)207 297 2599

Press: Rebecca Amos, Marketing Manager, [email protected], +44(0)1223 345940

How they describe themselves: Unlock every opportunity with Eyeprint ID™ – created by EyeVerify Inc. One look opens mobile devices, logs you into apps and secures your mobile payments. Several large Android device manufacturers and more than a dozen financial institutions have deployed Eyeprint ID – delivering convenient, secure, private 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’s scrambled and encrypted locally – it never leaves your device. Eyeprint ID uses existing 1+ MP smart device cameras to image and pattern match the visible vein patterns and other unique micro features in and around the eye.

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

Contacts:

Press: Tinna Hung, Director of Marketing, [email protected]

Sales: Chris Barnett, EVP Global Sales & Marketing, [email protected]

How they describe themselves: eWise is a leading international provider of Personal Financial Management and Account Aggregation solutions. eWise has delivered award winning solutions to many of the world’s most innovative financial services brands including retail banks, wealth management firms and Fintech. eWise holds patents in US, Australia, Asia and Europe. Founded in 2000 and headquartered in Switzerland, eWise has operations in Europe (Switzerland and UK), Asia (Singapore and Manila), US and Australia.

How they describe their product/innovation: We are seeing rising concerns about personal data privacy. As PFM is performed using the user’s personal financial information, we think that users are becoming more reluctant to share personal information with various service providers. The ability for users to determine which personal financial information to share, who has access to this data and how it is used will become a core feature of PFM solutions going forward.

Product distribution strategy: Direct to Business (B2B), through financial institutions and Wealth Managers / Financial Advice firms or through other fintech companies and platforms , the solution can be licensed and deployed on premises or SaaS via a subscription model.

Contacts:

Bus. Dev. & Sales: James Redfern, Head of Sales, [email protected], +44 7873 855693

Press: Lucile Mathe, Head of Marketing & Communications, [email protected], +41 79 457 6162

How they describe themselves: ETRONIKA develops complex and innovative solutions for finance and online businesses, integrating advanced and secure technologies across various electronic channels. Company provides and implements modern, secure, omnichannel digital banking platforms, which received several international awards. ETRONIKA for two years in a row has been selected as one of the most innovative European companies in the financial technology sector by FinTech50.

How they describe their product/innovation: We believe APIs matter nowadays. And we think that innovative banks and fintech companies should not be limited by a burden of developing or purchasing expensive financial services solutions. Therefore, we have created a state-of-the-art digital platform, visualised APIs engine that allows you to connect third parties, bundle them and provide sophisticated financial e-services to your customers via omnichannel user interface. You can now describe your business processes, connect to third party financial service providers via APIs, automatically calculate your margins and fight fraud. And you can do all that with a relative ease. Let’s build bundled financial institutions!

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

How they describe themselves: Ethoca provides collaboration-based technology solutions that close the information gap between card issuers and ecommerce merchants. Powered by our unique network, Ethoca solutions help global customers increase card acceptance, stop fraud, recover lost revenue, and eliminate chargebacks. We serve 540+ card issuers worldwide, including seven of the top ten U.S. card issuers and two of the top five UK card issuers, as well as 2,400+ ecommerce merchants.

How they describe their product/innovation: Ethoca Alerts is an award winning service used by thousands of ecommerce merchants and online businesses to stop fraud, eliminate chargebacks, and increase acceptance. Leveraging Ethoca’s global collaboration network, it provides the industry’s largest source of cardholder confirmed fraud and customer dispute data, direct from the card issuer source. Ethoca Alerts arrive in near real time rather than weeks later through the normal chargeback process. Merchants now have advance notification of impending chargebacks and can take immediate action to stop them at the source, eliminating unnecessary costs and poor customer experience.

Product distribution strategy: Direct to Business (B2B)

Contacts:

Bus. Dev.:

Press: [email protected]

Sales: [email protected]

How they describe themselves: Envestnet, Inc. (NYSE: ENV) is a leading provider of unified wealth management technology and services to investment advisors. Our open-architecture platforms unify and fortify the wealth management process, delivering unparalleled flexibility, accuracy, performance, and value. Envestnet solutions enable the transformation of wealth management into a transparent, independent, objective, and fully-aligned standard of care, and empower advisors to deliver better outcomes. Envestnet’s Advisor Suite® software empowers financial advisors to better manage client outcomes and strengthen their practices. Envestnet provides institutional-quality research and advanced portfolio solutions through our Portfolio Management Consultants group, Envestnet.

How they describe their product/innovation: Advisor Now: Envestnet’s digital advice portal empowers advisors and their institutions to compete more efficiently with so-called “robo-advisors” (online wealth management platforms that use computer algorithms to create and manage portfolios). Advisor Now provides the technology and tools advisors need to deliver high-quality, personalized investment services however and whenever clients want them. Advisor Now is built on top of Envestnet industry leading technology “ENV 2” which supports the traditional advisor lead wealth management experience.

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

Contacts:

Bus. Dev. & Sales: Aaron Bauer, M.D. Strategic Partnerships, [email protected] &
John Yackel, M.D. Global Bus. Dev., [email protected]

Press: Cindy Siegel, SVP Marketing, [email protected]

How they describe themselves: ebankIT is a banking software company based in Portugal, with a Fintech Accelerator in London on Level 39. ebankIT develops the most innovative products for financial institutions. Owning a portfolio of Mobile Banking apps, Apps for Wearable Devices, Internet Banking, Augmented Reality, Mobile Account Opening, Voice Banking, Contact Center, Kiosks Solutions. ebankIT has an R&D team, always looking for innovation inside and outside the financial sector, to provide each and every day the latest news and solutions.

How they describe their product/innovation: ebankIT aims to materialize a solution that will be much more than a banking application, maximizing the interaction of financial institutions and clients by extending the concept of Omnichannel and a new concept of Social Banking. In the world of Omnichannel Banking, customers are in control of the channels they wish to use. For example, they can begin an interaction using one channel (mobile while at home) and end it in another (SmartTV or Internet Banking). Omnichannel Banking brings the industry closer to the promise of true contextual banking in which financial services become seamlessly embedded into the lives of individual and business customers.

Product distribution strategy: Direct to Business (B2B)

Contacts:

Bus. Dev.: Diana Winstanley, Business Developer, [email protected]

Press: Manuel Cruz, Corporate Communications, [email protected]

Sales: Luís Côrte-Real, [email protected]