How they describe themselves: For over 30 years, Baker Hill has been a trusted advisor to financial institutions across the country to improve lending decisions, risk management, client engagement and operations. Baker Hill is the number one provider of member business lending services and currently serves nearly 600 banks and credit unions, including 20 percent of the top 100 banks and 20 percent of the top 25 credit unions. Financial institutions have confidence in Baker Hill’s strong industry track record, and appreciate its commitment to innovation.
How they describe their product/innovation: Baker Hill NextGen™ is Baker Hill’s cloud-based common loan origination, portfolio risk management and decision support system. Baker Hill NextGen is the only end-to-end, integrated loan origination, relationship management, business intelligence and risk management platform designed to meet the current and future needs of financial institutions in one platform. Baker Hill NextGen™ integrates seamlessly with other platforms and core databases to push institution-wide information and reports to a configurable dashboard built to deliver easily consumable data. Users enjoy a streamlined workflow with access to one source of data, decisions and insight through roles-based dashboards using any smart device.
Product distribution strategy: Direct to Business (B2B), through other fintech companies and platforms
Contact
Bus. Dev. & Sales: Mike Horrocks, Sr. Director, [email protected], 317-814-1294
Press: Mallory Griffin, Account Coordinator, [email protected]
How they describe themselves: The new TALK app reduces the labor associated with small business bookkeeping and individual tax return record keeping up to 90%. The user simply takes a picture or scan of receipts and invoices. Then, the artificial intelligence with voice recognition and data captured through Finicity codes the transaction and post it directly into popular software. TALK accounting is an ADD-ON app that works with all most accounting software programs. TALK is distributed and supported by a network of accounting and tax offices nationwide.
TALK Accounting helps the small business owner record transactions and mileage in a completely automated formate, and any manual data entry that has to be done is completed by voice-to-data technology (hence the name ‘TALK’ Accounting) so the user can get on with using their time focused on managing and growing their business effectively.
How they describe their product/innovation: TALK Accounting is demoing our mobile application that allows small businesses to automate their bookkeeping. TALK Accounting “watches” the user’s bank feed and pings the user when it knows they need to record the business purpose of various transactions, as if the user where being asked the question from their own bookkeeper on staff. Then as a second level feature, TALK Accounting “watches” the user’s business vehicle to notice that it was traveled in and pings the user to obtain the purpose of the trip. Using TALK Accounting the business will have complete bookkeeping records and mileage logs with very little manual work involved.
Product distribution strategy: Direct to Business (B2B), through financial institutions, through other fintech companies and platforms
Contact
Bus. Dev., Press & Sales: Travis Beaulieu, [email protected]
How they describe themselves: Alpharank helps banks and credit unions take advantage of the trick T-Mobile used to cut their churn by 50% in a single quarter. More specifically, we build APIs that help financial institutions reinvent their historical transaction data as predictive social graph data.
How they describe their product/innovation: At this year’s Finovate, Alpharank will share how you can steal several million dollars from Mark Zuckerberg in less than 20 minutes using data you already have while telling a story involving drugs, fraud and the power of word of mouth.
Product distribution strategy: Through financial institutions, through other fintech companies and platforms, licensed
Contact
Bus. Dev.: To learn more, connect with Brian at linkedin.com/in/briandavidley
How they describe themselves: AFS® combines financial expertise with technological innovation to provide the financial industry with an ability to compete and prosper. By anticipating industry trends and taking into account the total customer experience, AFS integrates into financial institutions credit process enabling them to be competitive and grow market opportunities. We are the only provider that has an out-of-the-box commercial lending solution geared for growth–AFSVision–that is mobile and digital, operating completely in real-time. With AFS, financial institutions have the best ability to deliver the ultimate customer experience with a faster path to growth and profitability.
How they describe their product/innovation: AFS is revolutionizing the financial industry by offering the only real-time, fully mobile and digital, front-to-back commercial lending solution geared for growth–AFSVision. Our go-to-market commercial lending solution processes over 500,000 commercial loans in the cloud daily. AFSVision integrates into the financial institutions credit process and provides the information they need to support their customer. Our flexible design and real-time processing dramatically reduces the time it takes to accomplish tasks-on demand, anywhere, all the time. Financial institutions taking advantage of AFSVision in the cloud grow on average 3 times faster than their competitors.
Product distribution strategy: Direct to Business (B2B), licensed
Contact
Press: Rene Baron Coady, Marketing Director, [email protected], 484-875-1120
Sales: Paul McCarthy, Managing Director, [email protected], 610-983-9400
Gary Harrell, Managing Director, [email protected], 704-887-5225
How they describe themselves: Our company partners financial institutions and their account holders in the fight against payments fraud. ACH Alert’s patented, award-winning, innovative fraud prevention solutions have demonstrated their effectiveness by empowering account holders to stop more than 1.2 billion dollars in fraud attempts in the last 2 years alone! With more than 25 years of industry experience, the founders continue to create solid solutions to mitigate payment risk across multiple payment channels. Our enterprise, SaaS solutions are strategically designed to be leveraged by financial institutions of all sizes and processing scenarios.
How they describe their product/innovation: Fraud Prevention HQ is a multi-payment channel fraud monitoring system designed to engage account holders in real-time with actionable, out-of-band alerts for customized rule set violations. From a dashboard, accessible through most online banking systems, customers view and decision suspect transactions, BEFORE money leaves their account. Out-of-band verification leveraging voice biometrics secures responses for high risk transactions. Dispute forms are presented electronically and exception settlement handling is automated. Fraud Prevention HQ is a game changer for financial institutions, making it feasible to offer protection to all account holders, transforming costly back room fraud prevention into a revenue generating machine.
Product distribution strategy: Through financial institutions, through other fintech companies and platforms
Contact
Bus. Dev.: David Peace, President, [email protected], 423-693-0110
Press: Deborah Peace, CEO, [email protected], 423-702-4380
Sales: Kate Hall, Regional Sales Representative, [email protected], 423-702-4379
How they describe themselves: AccountScore is a technology, data and analytics platform for lenders and other financial services providers analysing bank transaction data to transform clients’ affordability and credit processes as well providing a seamless customer onboarding process in an automated fashion.
The team behind AccountScore developed the award winning UK lending company SafetyNet Credit which uses bank transaction data throughout its product and as such AccountScore has been optimised specifically to work within a lending product.
AccountScore has been operational in the UK for one year and is proud to announce that it is launching its US platform at Finovate San Jose.
How they describe their product/innovation: The innovations that we are demoing at Finovate are AccountScore’s normalisation, categorisation and recurrence data engines which sit within the core product.
This will demonstrate that the USP of AccountScore is not merely the provision of bank transaction data to users of the service (although that is part of it) but the data categorisation and analytics applied to the raw data which give clients a cleaned up, categorised and machine readable data set, specifically optimised for lending, which they can choose to utilise either into an automated process through an API or a manual process through the AccountScore dashboard.
Product distribution strategy: Direct to Business (B2B), through financial institutions, through other fintech companies and platforms, licensed
Contact
Bus. Dev.: Emma Steeley, Commercial Director, [email protected], +44 7775 900 688
Press & Sales: Joseph Hungin, Head of Strategic Partnerships, USA, [email protected], +44 7450 008 256
Box (NYSE:BOX) is the cloud content management company that empowers enterprises to revolutionize how they work by securely connecting their people, information and applications. Founded in 2005, Box powers more than 71,000 businesses globally, including AstraZeneca, General Electric, P&G, and The GAP. Box is headquartered in Redwood City, CA, with offices across the United States, Europe and Asia.
For more information, contact Cortnee Uriz, Marketing Program Coordinator ([email protected], 925-808-9277)
Presenter
Kelly Millsaps, Strategic Consulting
Capital One is a diversified bank that offers a broad array of financial products and services to consumers, small businesses and commercial clients. A Fortune 500 company and named as one of the best places to work in 2016 by Fortune (#16), Capital One has one of the most widely recognized brands in America with 45,319 employees worldwide and $23.4 billion in revenue globally.
We dare to dream, disrupt and deliver a better way. Our goal is simple – bring ingenuity, simplicity, and humanity to an industry ripe for change. Founder-led, Capital One is on a mission to help people live their best lives and build one of America’s leading information-based technology companies.
Presentation
The Culture of Machine Learning at Capital One
Relatively soon, machine learning will be a critical part of every major business process at your organization. In this talk, we glean lessons from the way factories evolved to leverage electricity and share stories about implementing the infrastructure and mindset to leverage machine learning at Capital One.
What You’ll Learn
- Historical perspective towards technology change
- Building a test & learn culture
- An efficient approach to introducing new technology
Presenter
Sandeep Sood, VP, Software Engineering
linkedin.com/in/sandeepsood | @soodsandeep
BlueMetal is an interactive design and technology architecture consulting firm that employs the most experienced consultants in the industry to solve the most challenging business and technical problems facing our clients. BlueMetal exists to inspire our teammates, clients, and partners to reimagine, invent, and do things that seem impossible.
Presentation
Narrow AI aka Virtual Agents: Learnings from the Frontlines of an Engagement Paradigm Shift – NLP Platforms & Leveraging Legacy Systems in the Enterprise
Narrow Artificially Intelligent Virtual Agents are being deployed all around us. We’ve all used these amazing tools in our everyday life; from Apple’s Siri, Google Assistant, Amazon’s Alexa and Microsoft’s Cortana, they are everywhere we go. These Virtual Agents interact with the 7 billion people on planet Earth in their own language and put the burden of UX learning on the system, not the user. Enterprise businesses cannot sit back and assume that the big tech titans will be speaking on their behalf through their consumer offerings. We will explore real live case studies and methodologies for deploying these Virtual Agents with your enterprise brand’s unique perspective and understanding of your clients and employees needs and relationship with you. This is not academic, this is now.
What You’ll Learn
- How to maximize business impact of narrow artificial intelligence, aka chatbots, in the enterprise through a review of the pros and cons of the most robust platforms on the market.
- Natural language processing and conversational UX is a massive paradigm shift of engagement, transforming interactions with all clients from millennials to baby boomers.
- Enterprise Chatbot strategy must focus on the integration of legacy systems into these new AI tools to provide speed to market and maximize leverage of existing IT infrastructure.
Presenters
Jeff Dodge, General Manager, NYC
linkedin.com/in/dodgejeff | [email protected] | 978.333.1185
Jeff has run organizations and teams in a wide range of fields from apparel manufacturing to enterprise software consulting, always focused on modernization through technology solutions. More than anything Jeff loves to challenge those around him to take on audacious goals and never accept defeat.
Oren Novotny, Principal Architect
linkedin.com/in/orennovotny
Oren is a technologist with a passion for reducing friction in the development process and enabling other developers to create portable cross-platform applications. A three time Microsoft MVP, Oren has led teams to build many of the most complex platforms BlueMetal has embarked on.
The mission of the non-profit CardLinx Association is to increase interoperability and promote the growth of online-to-offline commerce and card-linking. On behalf of its members, the Association fosters cross-industry collaboration, develops industry services and institutes common standards to minimize and eliminate friction in online-to-offline commerce and card-linking. CardLinx organizes a series of executive level forums to present industry leading innovations and facilitate new strategic partnerships. For more information visit www.cardlinx.org.
Presentation
Card-Linking Open Source Codebase
CardLinx Association has made available a new open source card-linking software suite developed by Microsoft, one of its founding members. The software demonstrates API access to the leading payment networks and is provided as-is for companies interested in implementing card-linking programs. Companies can further develop and customize this code for their specific use. CardLinx is presenting this open source code to encourage companies to join the card-linking ecosystem by lowering the barrier of entry and broadening the inclusion of card-linking for the creation of new Internet of Commerce Things. Establishing card-linking industry standards is part of CardLinx’s mission to increase collaboration among all industries that participate in online-to-offline commerce and card-linking.
What You’ll Learn
- A new open source card-linking software suite developed by Microsoft is now publicly available to allow companies to more quickly implement card-linking programs by providing an industry standard.
- The software demonstrates API access to the leading payment networks and enables companies to further develop this code for their specific use.
- Card-linking is growing much faster than e-commerce as the trend towards more personalized and experiential marketing accelerates.
Presenter
Silvio Tavares, CEO & President
linkedin.com/in/silviotavarescardlinx | [email protected]
Silvio Tavares is an accomplished CEO, senior executive and thought leader with over 15 years of experience in the digital commerce and payments industry. He is currently the president of the board and CEO of the CardLinx Association, the leading global standards and interoperability organization for the payments and digital advertising industries.
Chetu is a custom software development services provider for the finance industry. The company offers skilled developers with immense industry experience that spans the entire finance technology spectrum with solutions including: development of intuitive financial management dashboards integrated with banking and credit institutions to securely monitor and reconcile accounts, dynamic rule engines, and portfolio management software to track investments; integration with the major credit bureaus, and engineer Cost of Goods Sold (COGS) calculators. Chetu also develops the architecture for Accounting Information Systems (AIS), finance software platforms for bill pay, budgeting, cash flow, and fraud protection monitoring.
For more information, visit: www.chetu.com/financial-it-services.php
Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services and wealth management. Delivering the best financial service experiences on the planet often means partnering with the brightest fintech startups and developers—in other words, you.
Presentation
OAuth tokenization and Rapid prototyping with Citi
Learn about our Developer Hub and how to gain access to our sandbox so you can experiment with the same APIs that we’ve released to partners in our production environment. We’ll also give a live code demo and build a simple and fun financial service app together to help inspire your own creative ideas: our code, your magic.
What You’ll Learn
- OAuth tokenization is the best way to protect client credentials. This standard web practice is relatively new to finance but is increasingly crucial to developing financial service apps.
- App development for finance is about locating platforms and services at the center of community activities—providing value without a high threshold for entry.
- Citi is connecting the financial industry to the larger global API economy.
Presenter
Abhijit Bhattacharya, Head of Engineering – Open Banking
linkedin.com/in/abhijit-bhattacharya-8aa0516 | [email protected]
Abhijit Bhattacharya leads the Open Banking engineering teams at Citi. He has previously led engineering teams at Asurion, Apple and Freescale Semiconductor. When not thinking about how to delight customers with great products, Abhijit likes driving fast cars and playing tennis. Abhijit is in the process of moving to New York City from the San Francisco Bay Area with his wife and seven-year-old daughter and expects that he will now have to find a new hobby not related to cars.
