FinovateFall 2017 – CASHOFF

FinovateFall 2017 – CASHOFF

How they describe themselves: CASHOFF LLC is a research laboratory. The main field of activity is development of the service for collecting and analysis of financial flows of banks clients. Customers of the company are 25 banks including several major banks in Europe (Citi, Sberbank, Tinkoff Bank, Alfa-Bank, etc) having over 100 million consumers. Partners of the company are leading e-banks development companies.

How they describe their product/innovation: We provide our customers with the service which helps them to collect data about their clients from different sources (banks, merchants, wallets, providers, loyalty programs) and create profiles of clients based on the model of their financial behavior (transactions) and consumer preferences (receipts with items).

Results of analysis are used in scoring systems, loyalty programs and pfm services in mobile banking applications.

The service is cloud based but banks data transferred to the service is completely anonymous (without names, cards numbers and other personal information).

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

Contact

Dmitry Gorkov, CEO, [email protected]

FinovateFall 2017 – College Affordabiity

FinovateFall 2017 – College Affordabiity

How they describe themselves: College Affordability LLC has developed a revolutionary approach to the various college financial decisions that students, parents and financial professionals are facing.  We simplify this process by bringing transparency to the cost and debt of college.  College Affordability is a self-funded to date and headquartered in Drexel Hill, PA.  Our goal is to help the 50 million people facing these decisions by providing a customized solution throughout the entire college financial process.  In addition to the software, we developed an 18 CFP CE college funding and student loan training program.

How they describe their product/innovation: College Affordability introduced the first comprehensive college financial decision support system in 2016.  It is called EFC PLUS.  Our innovative solution generates a custom financial outcome at the various decision points of the college funding and student loan repayment process.  The EFC PLUS tool is unique since it evolves with the student from planning for college to student loan repayment.  It helps families and financial professionals prevent excessive student debt, maximize their resources and find the best college value.  Our easy to use interface allows for students, parents and financial professionals to interact easily while keeping personal information confidential.

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

Contact

Bus. Dev.: Fred Amrein, CEO, [email protected], 610-789-1255

FinovateFall 2017 – cyber Productivity

FinovateFall 2017 – cyber Productivity

How they describe themselves: cyberProductivity is the leading provider of white label SMB accounting and cash flow management solutions for banks serving SMB clients. Helps banks acquire new business & loyalize existing SMB customers by offering a range of new services through a fully automated online accounting platform. First online integration at mBank, member of Commerzbank Group ($35 bn in assets). Over 2 million processed transactions, 50% new business penetration and high usage by SMB customers confirm the viability of the solution.

How they describe their product/innovation: The platform automates accounting processes, simplifies invoicing, payments, improves cash flow management in real time. Seamlessly accessible from a bank account, an intuitive interface saves the SMB user time with quick actions, easy cash forecasts and real time financial status of the business. Contextual cross-sell tools let the bank generate new revenues from factoring, loans, payments and other product sales faster than competition. MIT FinTech Future Commerce finalist. EFMA-Accenture Distribution & Marketing Innovation Award for  the Best Service or Product.

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

Contact

Bus. Dev.: Greg Mozdzynski, Business Development Director, [email protected]
Press: Rafal Strzelecki, CEO, [email protected]
Sales: Artur Mojecki, Sales Director, [email protected]

FinDEVr London 2017 – Aerospike

Aerospike is an enterprise-class, NoSQL database solution that enables digital transformation by powering real-time, mission-critical applications and analytics across industries, including AdTech, eCommerce, telecommunications, and financial services. With use cases ranging from real-time billing to fraud detection, Aerospike delivers predictable performance at scale, superior uptime, and high availability at the lowest total cost of ownership (TCO) compared to relational and first-generation NoSQL databases. Recognized by industry analysts as a visionary and leader, Aerospike is the database behind Nielsen Marketing Cloud, Williams Sonoma, InMobi, Kayak, and AppNexus. Available in two versions – Enterprise Edition and Community Edition – Aerospike is currently available for download at www.aerospike.com. Aerospike is a privately-held company based in Mountain View, CA, and is backed by New Enterprise Associates, Alsop Louie Partners, and CNTP.

Presentation

Rapid Application Design in Financial Services

Internet-sourced technologies such as application frameworks, API and data management systems, and NoSQL databases introduce a world of new capabilities to enterprises. But retail banks face challenges integrating some of these more sophisticated offerings. In this talk, we will present real-world examples of adapting these technologies to older order management systems and address book systems such as Hogan.

What You’ll Learn

  • How to bring financial service workflows into the twenty-first century with the use of Internet technologies
  • How to use Internet technologies to provide access to more data (petabytes)
  • How to support agile, innovative algorithms and libraries

Presenter

Brian Bulkowski, CTO & Co-Founder

linkedin.com/in/bbulkow  |  @bbulkow  |  [email protected]

Brian has more than 25 years of experience in the Silicon Valley as a team leader, architect, and senior manager, entirely in the area of large-scale server infrastructures (commodity routers at Novell, video servers at Starlight Networks, large-scale broadband at Liberate, and distributed computation at Aggregate Knowledge).

FinDEVr London 2017 – aixigo

aixigo is about technology for personal investments. We believe this business is facing a crucial change. Due to fierce regulations, low-interest rates and rapidly evolving customer expectations, the highly attractive personal investment business is due for a revolution through digitalisation. Game changing institutions will industrialize the manufactured wealth management, turning it into a mass retail service with a 1:1 product-to-customer individuality.

aixigo delivers the infrastructure, a high performance portfolio management set of APIs, capable of handling millions of customers in milliseconds using transaction based technology, such as composing, monitoring, rebalancing, ordering and reporting of an individual portfolio.

Presentation

Digital Wealth Management with APIs

aixigo provides high performance wealth management software for digitalization and process automation. In this presentation, we create a business process for monitoring and rebalancing portfolios according to their investment guidelines. In a live coding session, we will show how to use our portfolio management REST-services to develop this BPM process. At the end, you will see a running workflow that identifies portfolios, rebalances them and creates orders. This workflow is a core component of an automated wealth management solution – just one example of how easily you can use our RESTful-API. The services are capable of handling millions of portfolios, so this process scales at retail level. In addition, they also handle ultra-large portfolios for High-Net-Worth customers in breath-taking time.

What You’ll Learn

  • Creating digital wealth management processes has become easy by using our API regardless of the number or size of customers you have to manage.
  • You can use our building blocks in order to create new business models and better customer experience.
  • We release you from the burden of monolithic legacy solutions and offer a lightweight and flexible way to solve business needs.

Presenters

Marcus Gruendler, Head of Portfolio Management Systems

linkedin.com/in/marcus-gründler-7b011b33

Jonas Pommerening, Software Developer

FinDEVr London 2017 – CASHOFF

CASHOFF LLC is a research laboratory. The main field of activity is development of the service for collecting and analyzing financial flows of bank clients. Customers of the company are 15+ banks including two major ones having 100M consumers.

The company provides customers with the service which helps them to collect data about their clients from different sources (banks, merchants, wallets, providers) and create profiles of clients based on the model of their financial behavior (transactions) and consumer preferences (receipts with items). Results of analysis are used in scoring systems, loyalty programs and PFM services in mobile banking applications.

The service is cloud based but bank data transferred to the service is completely anonymous (without names, cards numbers and other personal information).

Presentation

Collecting and Analyzing Financial Data

The presentation is about technologies for collecting and analyzing financial data and examples of using it in scoring systems, loyalty programs and PFM services.

What You’ll Learn

  • Results of research (Accenture, Ipsos) show that a typical household or even one consumer has accounts in different banks. The client of our customer can see all the household’s cards in one place.
  • Transaction Before Processing: 28/04/2017 “GBP TSC London” 3£.
    • After processing: 28/04/2017 Logo TESCO E1W 1LE:
      British Whole Milk 2.272L; 1£; Food
      Clover Original Spread 1Kg; 2£; Food
  • Complete knowledge about the client (all his finances and goods) allows to suggest to him the most relevant offers and show calculated benefits in digits. Items in receipts open doors to supplier’s ad.

Presenters

Dmitry Gorkov, CEO

linkedin.com/in/gorkov  |  [email protected]  |  +79150984990

Timothy Bevan, Co-CEO, BCS Global Markets

[email protected]  |  +44 786 647 96 64

Tim is co-CEO of the UK entity within BCS Global Markets, BCS Prime Brokerage Ltd. He is Global Head of Prime Brokerage, responsible for the client margin trading & financing business in London. Tim began his career at Tilney Investment Management and spent 5+ years at the London Stock Exchange.

FinDEVr London 2017 – Cognitect

Cognitect is a technology partner with products and customized development teams building next-generation information systems to solve essential problems. Replicating multi-regional data, smoothly moving data between your transactional, reporting, and BI systems, processing 50,000 transactions per second while guaranteeing 100% data consistency across your systems – these are just some of the business-critical information challenges we successfully tackle. Our innovations power the core of the world’s leading brands and industries – 14 of the top 50 global leading companies use our technology, and we’ve worked directly with many of the largest financial institutions and the hottest fintech startups. If you are struggling with a data-centric problem that seems impossible to solve, call us. We can help.

Presentation

Unlocking Hidden Value In Your Data

Cognitect believes that data is the most valuable asset for modern businesses, especially for financial services firms. Unfortunately, most companies have locked away a lot of those assets in multiple datastores and are missing the most valuable part of having that data to begin with. We will demonstrate how Cognitect, and our innovations such as Datomic, have solved seemingly impossible problems: replicating multi-regional data, smoothly moving data between your transactional, reporting, and BI systems with an ETL time limit of several seconds, processing 50,000 transactions per second while guaranteeing 100% data consistency across your systems.

What You’ll Learn

  • Replicating multi-regional data, smoothly moving data between your transactional, reporting, and BI systems with an ETL time limit of several seconds.
  • Processing 50,000 + transactions per second while guaranteeing 100% data consistency across your systems requires an innovative approach to query management.
  • True time series and historical query potential gives you actionable insight into individual customers, accounts, and transaction trends.

Presenter

Justin Gehtland, CEO

linkedin.com/in/justingehtland  |  @jgehtland

Justin Gehtland is the co-founder and CEO of Cognitect, Inc., a consulting/product/research organization located in the Research Triangle of North Carolina. Justin has been developing applications with static and dynamic languages since 1992. He has written code with Java, .NET, C#, Visual Basic, Perl, Python, Ruby, and Clojure. He loves to talk, especially in front of people, but all by himself in the corner if he must. Justin is currently focused on: distributed data problems, agile cloud adoption, AWS, and functional programming.

FinDEVr London 2017 – Currencycloud

Currencycloud’s Payment Engine is the power inside countless businesses, driving the transformation of the global payments landscape. The company is re-imagining the way money flows through the global digital economy, allowing payment firms to remove the friction and inefficiencies of traditional cross-border payments using its flexible APIs. Launched in 2012, Currencycloud is based in London and is regulated in Europe, the US and Canada.

Presentation

Flexible APIs in Action

Currencycloud Payment Engine is built by developers, with developers in mind. By building a sophisticated Payment Engine, we have taken the complexity out of international payments both for our clients and for our clients’ customers.

Hear firsthand how our clients have easily integrated with us and witness a live demo of our flexible APIs that enable users to develop game-changing services on top of the Currencycloud Payment Engine.

What You’ll Learn

  • What our Payment Engine allows clients to do
  • Hear a firsthand case study
  • Witness a live demo of our flexible APIs

Presenters

Ed Addario, CTO, Currencycloud

[email protected]

Ed has held executive positions at start-ups and large companies both in the UK and the US and joined Currencycloud as CTO in late 2016 from Misys, where he was the Global Head of Architecture and Integration.

Michiel Prins, Co-Founder, HackerOne

FinDEVr London 2017 – eSignLive

eSignLive is the electronic signature solution behind some of the world’s most trusted brands. Regulated industries and top analyst firms recognize eSignLive for its ability to balance the highest levels of security, compliance and auditability with ease-of-use to automate any process – from the simplest, internal signing workflow to the most complex, customer-facing transaction. Available in the cloud and on-premises, and with full white-labelling capabilities, eSignLive supports an organization’s digital transformation strategy across the enterprise. eSignLive is the trade name of Silanis Technology Inc., a VASCO group company.

Presentation

E-Signatures for Mobile Account Openings & Customer Behaviour Insights

For mobile-first consumers, opening an account without a feature-rich mobile experience may force them to use a different channel (e.g., in-branch, call centre, etc.), revert to traditional paper-based processes, or alternatively find a different financial services provider. In this presentation, we will demonstrate how you can quickly add e-signing capabilities to your web and mobile apps to help enable a secure yet frictionless mobile account opening process. Moreover, we will illustrate how your employees can glean insights into the customer’s mobile journey – measuring the effectiveness of the experience and pinpointing areas of drop-off or confusion, and then using those insights to further optimize the overall customer experience.

What You’ll Learn

  • Add e-signing capabilities to your app in less than 30min. using native mobile e-signature SDKs
  • Build dashboards to track the effectiveness of the customer’s mobile journey (including the signing experience)
  • Create a secure yet frictionless mobile web and mobile app experience by harnessing the power of mobile e-signatures and biometrics

Presenters

Michael Williams, Evangelism & Developer Community Manager

linkedin.com/in/mwilliams1120  |  @mwilliams1120

Rahim Kaba, Director, Product

linkedin.com/in/rahimkaba  |  @rahimkaba

FinDEVr London 2017 – Avaloq

The Avaloq group is a leading international fintech company. With its core and digital banking software, the Avaloq Banking Suite, and its international network of BPO centres, Avaloq brings trustworthy and efficient banking to the world, delivered through great user experience.

With its integrated BPO services, Avaloq is the only independent provider for the financial industry to both develop and operate its own software.

155 banks and wealth managers in the most important financial centres worldwide have chosen Avaloq technology to manage client assets worth CHF 4,000bn, and 270 Raiffeisen banks in Switzerland are served by ARIZON, a joint-venture of Raiffeisen Switzerland and Avaloq.

Presentation

Avaloq Open Platform

We will present the Avaloq platform and developer portal. It is the collaboration environment that modern banking applications need to quickly integrate 3rd-party and custom functionality, all the while having access to a proven core banking engine. It comprises data APIs for accessing core banking functionality, a UI framework for creating unified user journeys, and an open technology stack that extends the Avaloq Banking Suite.

What You’ll Learn

  • Avaloq platform is opening up to everyone .
  • Creating a compelling user journey requires a platform that provides unified UX and data APIs.
  • Integrating 3rd-party solutions requires collaborative environments where combining new technologies and core banking is easy.

Presenters

Florian Hehlen, UI/UX Architect & Team Lead

linkedin.com/in/florianhehlen  |  @FlorianHehlen  |  [email protected]  |  +41787169357

At Avaloq, Florian leads the work of the UI framework team. They have enabled dozens of teams to build and integrate functionality into the Avaloq platform. He has been building software in banking, trading, and other fields for close to 20 years. In the last 5 years, he has moved away from the middle-tier to focus on web technology.

Carlos Morales, Sr. Software Engineer

linkedin.com/in/moralescarlos  |  @carlosomatic

Carlos Morales started programming in BASIC when he was 6 years old with a Sinclair ZX Spectrum+. He’s loved the technology ever since. Professionally, he has worked over 17 years in different roles, always around financial web applications. Lately he has been working at Avaloq, building a framework around web components for banking.

FinDEVr London 2017 – eWise

eWise is a leading international provider of Financial Data Aggregation API and Money Management tools. eWise has delivered award winning solutions to many of the world’s most innovative financial services brands including retail banks, such as HSBC Group and Westpac, wealth management firms and FinTechs. Founded in 2000 and headquartered in Switzerland, eWise has operations in Europe, Asia and Australia. eWise holds patents in the United States, the Asia-Pacific and Europe.

Presentation

Managing Transition to Open Banking and PSD2 Account Aggregation

Go beyond PSD2 XS2A and unleash true Account Aggregation power for a comprehensive financial accounts coverage.

Why does PSD2 offer a limited Account Aggregation scope?

Considering the scope of PSD2 XS2A and its projected implementation timetable along with its specification principles, it is apparent that XS2A only offers access to payment accounts, namely the end-users basic current account and credit card.

With the average consumer and small business customer possessing a broad range of financial services products including current accounts, credit cards, personal loans, leases, insurance, ISAs and various other investment and credit accounts, the scope of PSD2 XS2A initiative might leave some of us feeling underwhelmed when it comes to providing end-users with innovative, convenient and value-added services driven by a truly comprehensive picture of their financial relationships.

What You’ll Learn

  • To build a comprehensive picture you need to manage multiple channels: Direct & In-Direct.
  • Direct Channel (API) aggregates in-scope account data and establishes exception list. In-Direct Channel aggregates only out-of-scope accounts to complete the picture.
  • Even with Opening Banking & PSD2 Direct Channel (APIs), end-user credentials (tokens etc.) need to be secure.

Presenters

Allan See, CTO

linkedin.com/in/franzsee  |  [email protected]

Allan started his career as a Software Engineer and for the past 5 years has been leading and growing development teams in the online banking and internet advertising space. Allan is a founding member of Developers Connect, a non-profit organisation that promotes local technology talent in the Philippines.

Ralph Johnson, Pre-Sales Consultant

[email protected]

FinovateSpring 2017 – Divy

FinovateSpring 2017 – Divy

How they describe themselves: At Divy, smart investing matters. We believe that learning-by-doing and investing with purpose is the first step toward long-term saving.

Divy’s open platform provides the tools and insights to make investing approachable and a pricing structure to make it accessible to all. Through Divy Equities, we offer dollar-based investing, allowing anyone to build a highly diversified portfolio for a fraction of the cost.

Divy will enable a generation of first-time investors and savers, providing a foundation of financial literacy and social responsibility.

Divy. The market is now open.

How they describe their product/innovation: Divy is a free investing app with a simple and engaging discovery experience. Search for the brands and products you know. Discover the companies you don’t.

We craft collections of stocks inspired by topics like current events, emerging technologies, and more, so you can browse and learn at your own pace. Explore dozens of categories and thousands of search terms to turn your everyday thoughts and ideas into real investments. Divy’s groundbreaking software enables users to buy portions of any stock in increments as small as $10 with the industry’s lowest commissions.

Product distribution strategy: Direct to Consumer (B2C)

Contact

Bus. Dev.: Austin Himes, [email protected] & Ben Werth, [email protected]