How they describe themselves: TaxFree4U is innovative online VAT refund service for non EU28 residents. Customers may download our TaxFree4U mobile app or use our web-site to start. VAT amount is refunded exclusively onto customers card or bank account. For customer’s convenience Tax Free Shopping instant prepaid card is offered as part of the service to get refund immediately onto the card. Main Customer benefits from TaxFree4U: almost without paperwork (fully digital in future), Refund within 48 hours after departure, lower commission rate, discounts and special services from Brand4YOU club partners with geolocator – retail outlets, restaurants, hotels, health, beauty, sightseeing, airline & miles, etc.

How they describe their product/innovation: We will declare your purchases to the customs on your behalf. Using our mobile applications you can just upload receipts of purchased goods and we’ll do the job. We are able to deliver declaration directly to your hotel or apartment or you may print it yourself in our self-service machine in airport of departure. Don’t forget to validate declaration in the airport. After this you will receive refund on your bank account or credit card.

Product distribution strategy: Direct to Consumer (B2C), Direct to Business (B2B), digital distribution, through financial institutions, through other fintech companies and platforms

Contacts:

Bus. Dev.: Yuri Kovalev, [email protected]

Press: Olga Yemelyanova, [email protected]

Sales: Marina Khlystun, [email protected]

How they describe themselves: SwipeStox was founded by passionate entrepreneurs and finance geeks. Our team combines many years of professional experiences in financial institutions, e-commerce & m-commerce and start-ups. Backed by a former bank founder we are aiming to bring the idea of social trading to the smartphones of every investor and trader worldwide.

How they describe their product/innovation: SwipeStox is the first mobile social trading application that allows everyone to trade Forex, Indices, and CFDs (we will also offer the possibility to trade physical stocks) simply by copying single trades. Everyone can swipe through the trades other experienced traders have created and profit from their knowledge about the markets. By connecting traders from all over the world in one network, users can see live trades and copy them – rather than relying on fundamental or technical trading decisions alone. As a trader you can either leverage this information to execute own trades or simply follow and copy other traders and their trades. The SwipeStox iOS & Android App offers in addition a wide range of features:

• Community: Check the leaderboard, connect and create own profiles
• Real-Time-Chat: Share your thoughts on single trades and make friends!
• Trader Radar: See people trading around you, allowing you to build a local trading club
• Social Card: Post a status, upload a video/image or watch all activities of your friends
• Contests: Create own battles, set a buy-in and subscribe to trading contests
•  Video-Pitches: Pitch your trade uploading a film-selfie or swipe through other video pitches!

Product distribution strategy: Direct to Consumer (B2C), Direct to Business (B2B), through financial institutions, through other fintech companies and platforms, licensed

Contacts:

Bus. Dev. & Sales: Wladimir Huber, [email protected]

Press: Tobias Drewling, Head of Communication, [email protected], +49 172 45 122 45

How they describe themselves: SuiteBox has created a friction-less ‘suite’ of tools that enable the modern professional to engage with their clients in their dedicated virtual, secure and private meeting room. Spanning video meetings, meeting recording, document collaboration, screen sharing, electronic signing and embedded web forms – SuiteBox delivers every capability to manage a virtual client business. SuiteBox offers a standalone solution, or an open API architecture that enables SuiteBox to be fully integrated and white labelled with a client core platform. This has been successfully deployed with SugarCRM and with leading Financial Planning Software in Australasia and South Africa. SuiteBox is focused on the Financial Services Industry globally.

How they describe their product/innovation: We live hectic busy lives. The need to travel to meet clients, obtain a client signature, printing, scanning and signing documents becomes a significant impediment to efficiently and effectively managing client relationships. SuiteBox delivers the solution to this challenge. The SuiteBox Virtual Meeting Room delivers a secure, private and permanent meeting room that enables meetings to be held online, anytime, anywhere. Within the same meeting room, you can hold video meetings, share documents, share applications, sign electronically & record some or all of the meeting. Fully white-labelled and with an open API architecture, SuiteBox offers the complete solution for virtual business.

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

Contacts:

Bus. Dev. & Sales: Ian Dunbar, Head of Australia, [email protected], +61 434 367 316  &
Craig Meek, Creative Director & Co-Founder, [email protected], +64 21 821 580

Press: Richard Mannell, CEO & Co-Founder, [email protected], +61 21 706 267

How they describe themselves: STRANDS develops innovative software solutions that enable banks to offer personalized digital banking experiences. The Strands Finance Suite includes a comprehensive set of white-label solutions such as PFM, BFM, CLO & REC, all based on Big Data analytics and machine learning. In 2008, Strands revolutionized online banking by deploying the first PFM in Europe.

How they describe their product/innovation: The innovative beauty of Strands Discovery is that it empowers business bank employees – not just Big Data experts – to explore every kind of data to find nuances, patterns and behavioral insights instantly and interactively. Gone are the million-row spreadsheets or thousand-page reports that answer limited number of questions. Thanks to this solution, bankers can directly explore customer insights and view results as comprehensive graphics in a modern, web-based application. What’s more, it’s designed to integrate perfectly within your existing banking infrastructure – no need to build anything from scratch.

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

Contacts:

Bus. Dev. & Sales: Pau Velando, General Manager, [email protected]

Press: Victoria Yasinetskaya, Marketing Director, [email protected]

How they describe themselves: Spiff is a simple saving service for you and me. We design with women in mind. Because today, women hold more economic power than ever before. Yet women make up a surprisingly low proportion of global investors. We want to change that. We want you to have more power. We want you to be able to do more with your money, so we created Spiff. Welcome to Spiff –  www.getspiff.no

How they describe their product/innovation: Spiff saving app (alpha). Get ready for fun and simple saving.

Product distribution strategy: Direct to Consumer (B2C)

Contacts:

Press: [email protected], [email protected]

How they describe themselves: SizeUp helps banks better serve their small business customers. SizeUp enables banks to empower their small business customers to make smarter decisions through data and support bank customers’ growth and economic success. It is customized for the business objectives of the bank such as increased customer acquisition, retention, introduction of products and services, and engagement. SizeUp uses big data to provide small businesses with high quality research insights that typically only large enterprises can afford and in a format that even a small business can easily understand.

How they describe their product/innovation: SizeUp FI (Financial Institutions) is now available internationally and currently enables banks to provide their small and medium-sized customers:

1. Competitive benchmarks: Compare your business performance to your industry competitors across multiple characteristics.
2. Find customers, suppliers, and competitors: Geographically discover and identify potential customers, suppliers, and competitors to grow your business.
3. Best locations to advertise: Identify the best geographic locations to advertise based on industry and demographic characteristics.

These services can be used to introduce bank services/products, attract new customers, retain existing customers, and increase customer engagement.

Product distribution strategy: Direct to Consumer (B2C), Direct to Business (B2B), through financial institutions, through other fintech companies and platforms, licensed

Contacts:

Bus. Dev. & Sales: Brandon Harrell, Product Manager, [email protected]
Press: Alissa Sklar, Marketing Director, [email protected]

How they describe themselves: Sophisticated investment management has, until now, been reserved to an elite of very wealthy people or institutional investors. Scalable Capital makes investment management accessible to everyone, using a smart, technology-based approach. Its USP is a proprietary risk-management technology, akin to investment methods used at some of the world’s biggest hedge funds, which constantly monitors and optimises portfolios, and was developed in cooperation with renowned financial econometrics professor Stefan Mittnik. Scalable Capital is the first independent InvestTech company to have received a license from the German regulator BaFin, and is currently going through the process of obtaining an FCA license for the UK​.

How they describe their product/innovation: Scalable Capital offers customers globally diversified and highly cost-efficient ETF portfolios, tailored to their individual risk limit. Clients can select from more than 20 different risk categories, which indicate an annual loss that should not be breached with a probability of 95 percent. The higher the risk category, the higher the return potential. Using Monte-Carlo simulations, Scalable Capital predicts whether an investor’s risk limit will be breached in the course of the next year, and if so, automatically adjusts the weights of each asset class in the portfolio until the risk limit is again being met, while optimising portfolio composition with regards to return potential. Total costs are 0.75% p.a., with no hidden fees.

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

Contacts:

Bus. Dev.: Adam French, Managing Director, [email protected]

Press: Marianne Slamich, Head of PR & Social Media, [email protected], +44-7871-278663

Sales: Ella Rabener, CMO, [email protected]

How they describe themselves: SBDA Group works on personalization of banking services using machine learning and data science methods. By combining banks internal data and external data – such as purchases history and social networks activity – SBDA platform extracts facts about clients present and makes predictions about their future. The main idea of SBDA technologies is helping banks to make a move from an utilitarian tool to a personal financial assistant. To become a service that understands the client’s financial situation better than anyone else and preventively and proactively helps him solve his everyday tasks related to the finance. Now SBDA algorithms cover more than 70M real customer profiles.

How they describe their product/innovation: SBDA Customer Insightâ„¢ turns raw banking data – such as transactional histories – into targeted marketing and customer relationship management with a platform that portfolio and product managers will love to use. It enables them to select customers by their real world activities to make banks campaigns highly personalized. And after that Customer Insightâ„¢ provides an end-to-end solution for coordinating the campaign with other specialists needed and for launching it in a few minutes. As a result it saves months of work of banks developers, marketing managers and analysts and set up the efficient targeted offers creation process, based on real life events of banks customers.

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

Contacts:

Bus. Dev.: Nikita Blinov, CEO, [email protected]

Press & Sales: Anna Laskovaya, Project Manager, [email protected]

How they describe themselves: Sandstone Technology is a leading and rapidly growing Australian Fintech company. Sandstone develops and deploys world class customer onboarding and product origination solutions, as well as digital banking solutions such as internet banking, mobile banking and personal financial management products to more than 30 financial institutions globally. With a team of more than 300 people, we have four offices in Sydney and Melbourne Australia, Leeds UK and Manila Philippines. Our team of highly skilled developers, business professionals and customer experience experts are constantly evolving our product suite, ensuring our products are market leading. Since the company was established in 1996, Sandstone quickly earned a reputation for innovation, quality and successful deliveries which continues to launch our expansion into new markets.

How they describe their product/innovation: Sandstone Technology will be demonstrating its next generation BankFast Mobile App 2.0 at FinovateEurope 2016. A market leader in the online and digital space, Sandstone’s latest app combines industry leading customer self-service onboarding, mobile banking, card management and customer engagement modules to deliver a highly secure and seamless customer experience.

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

Contacts:

Bus. Dev.: Dom Monty, Head of Business Consultancy, [email protected]

Press: Liese Roylance, GM, Marketing & Communications, [email protected]

Sales: Mathew Cagney, GM, Sales, [email protected]

How they describe themselves: SaleMove’s vision is to meet and exceed the in-person customer experience online. Complex products such as mortgages, insurance, investments, and banking services don’t really “fit” into an online shopping cart. Businesses that use our products provide online customers with the same high-touch interactions that are possible face to face. By placing one line of Javascript on their website, businesses can see the visitors that are browsing their online branch/office and interact with these individuals in real time using audio, video, and guided browsing. These high-touch interactions are all possible without downloads, installations, or plugins.

How they describe their product/innovation: The SaleMove Engagement Platform is comprised of a Visitor and Operator interface. The Visitor interface is the consumer-facing part of the platform that allows for website visitors to seamlessly engage with Financial Institutions. The Operator interface is the business-facing part of the platform that provides Financial Institutions with complete visibility and live engagement of visitors browsing the website. OmniCall is SaleMove’s newest feature that is coming out of beta at FinovateFall 2015! It allows for an instant online engagement experience triggered by simply dialing a phone number.

Product distribution strategy: Direct to Business (B2B)

Contacts:

Bus. Dev.: Daniel Michaeli, CEO, [email protected]

Press: Justin DiPietro, COO, [email protected]

Sales: Javier Rosas, VP of Sales, [email protected]

How they describe themselves: RISK IDENT offers anti-fraud solutions for European companies within the e-commerce and financial sectors. We are experts in machine learning and real-time data analytics and our products are specifically tailored to comply with European data privacy regulations. Our key products are FRIDA Fraud Manager and DEVICE IDENT device fingerprinting.

How they describe their product/innovation: EVE is a flexible platform to cover different aspects of risk management for any kind of transaction evaluation. It applies selected machine learning algorithms to evaluate different input streams for a real-time risk assessment: EVE can be trained with historical data but will improve automatically by evaluating and adapting to new fraud patterns. We will showcase EVE used as a risk evaluation engine within personal loan applications of a German retail bank.

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

Contacts:

Bus. Dev.: Piet Mahler, Bus. Dev., [email protected]

Press: Stefanie Liedke, [email protected]

Sales: Matthias Kolkmeyer, Sales Director Risk Solutions, [email protected] & Jürgen Brandt, Sales Director E-Commerce, [email protected]

How they describe themselves: refund.me Group, is a global air passenger rights service provider that is focused on helping financial institutions improve their cardholders’ travel experience. Headquartered in Palo Alto, refund.me ensures that air passenger rights are more transparent and easily enforceable on a worldwide scale. The company currently serves air passengers from 145 countries in securing compensation for delayed and cancelled flights covered by European Union regulation (EC) 261/2004. Financial institutions can seamlessly integrate refund.me Group’s, suite of product offerings related to enhancing the travel experience for their cardholders.

How they describe their product/innovation: Financial institutions can leverage the refund.me compensation offering as a white label solution to strengthen the features and benefits of their credit and debit cards. Cardholders are automatically notified when they have experienced a delayed or cancelled flight and are eligible for flight compensation. Refund.me then seamlessly processes and secures compensation from the airline on the cardholder’s behalf. Additionally, our offering automatically notifies financial institutions of their cardholder’s travel plans when they purchase airline tickets, so their card is not declined when traveling. We are excited to be releasing this to Europe for the first time at Finovate Europe!

Product distribution strategy: Through financial institutions

Contacts:

Bus. Dev. & Sales: Hudson Chilton, CBDO, [email protected],  +1 650 600 1480

Press: Michele McDermott-Fox, [email protected], +1 905 379 1893