How they describe themselves: RedCloud is changing the future of FinTech by addressing the inefficiencies of financial services. Our developers were responsible for the successful conception and launch of M-PESA, which is currently processing more than $20.5B transactions a year.

Now we’ve moved on to take what we learned with M-PESA to create a second generation platform that is more than just Mobile Money; it’s Mobile Finance.

More than $15M and 750 Man Years of Engineering have been invested in developing the RedCloud 1 Platform.

How they describe their product/innovation: Available On-Site, Off-Site, or Hybrid Cloud solution, RedCloud 1 enables organisations to launch highly disruptive financial services and provides an immensely powerful and flexible transaction engine and processing platform delivered through mobile devices.

While the Financial Service Cloud (Payments, Savings, and/or Loans) is our flagship product, we also have Agent, Merchant, and Insurance Clouds. Separate or combined, these Clouds empower Banks, Mobile Network Operators, Insurers, and FinTech companies that process payments with the ability to get a powerful, user-friendly digital offering in to the hands of their customers, positioning them as an innovator. The Clouds are available through a Pay-as-you-Grow pricing model.

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

Contacts:

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

How they describe themselves: Socure is an emerging industry leader focused on real-time online identity verification solutions. Its Social Biometrics™ Platform protects against identity fraud and increases acceptance rates where traditional offline identity verification solutions fall short, specifically in the US amongst millennial, thin-file, and the unbanked/underbanked customers, and internationally where traditional credit systems do not exist. By uniquely combining social behavior data across all of the major social networks with open internet and offline GLBA and DLPA data, Socure is able to verify whether a customer is real, fake, or poses a fraud risk, materially reducing fraud, increasing acceptance rates, and reducing KYC/AML costs for financial institutions around the world.

How they describe their product/innovation: Socure is announcing Perceive at FinovateFall 2015! Perceive is a patented, remote facial biometrics solution designed to address account takeover fraud and transaction security. The device-agnostic Perceive SDK can be added to any mobile or web application to accurately authenticate a consumer using their face, without the hindrance of prior training required by conventional recognition biometrics.

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

Contacts:

Bus. Dev.: Johnny Ayers, SVP Bus. Dev., [email protected], +1 703-963-5226
Press: Michael Hiskey, VP Marketing, [email protected], +1 917-375-8196
Sales: Bob McGuinness, VP Sales, [email protected], +1 908-403-0159

How they describe themselves: Quisk is a startup based in Silicon Valley that partners with financial institutions and others to enable anyone to use their money without needing cash or cards. Quisk provides a digital services and transaction processing platform for integrated mobile payments and digital marketing and loyalty programs. Deploying cloud-based technology, the Quisk digital cash solution not only works with any mobile phone number on any type of mobile phone, but also can leverage existing Point Of Sale (POS) infrastructure. Quisk is the next step in the evolution of money.

How they describe their product/innovation: Quisk is demonstrating several consumer transactions, including Person to Merchant (P2M), Person to Person (P2P) and more, powered by its patented cloud-based digital services platform. Quisk works with banks to integrate its platform to back-end core banking platforms and offers an API for third-party developers. Unlike current Mobile Network Operator-led mobile money initiatives, Quisk is the next generation of mobile money: bank-led, interoperable, and for a wider range of transactions. For consumers: Quisk is your money from your bank, but without the cash, without the cards, and without the wallet.

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

Contacts:

Bus. Dev., Press & Sales: Dan Glessner, CMO, [email protected]

How they describe themselves: Tranwall is a company whose original invention dates back to the World Soccer games of 2010 in South Africa. At the time a large quantity of private visitors and businesses needed secure payments via prepaid cards. Tranwall has expanded this service into and added functionality for card control for different type of payments.

Tranwall’s typical customers issue cards and manage transactions, such as credit card companies, banks, payment processors, fuel distributors, retail chains, etc. Its customers gain by reducing fraud, adding functionality for end users, and reducing time to market for new product offerings.

How they describe their product/innovation: The patented Tranwall system offers card holders and issuers the ability to control the status of debit and credit cards real time. Tranwall also offers second factor authentication to internet banking services using any mobile phone. The Tranwall systems offers fine grained control, at transaction level, over the approval of card transactions. The Tranwall platform is customizable, allowing for a variety of permissions to be defined and implemented.

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

How they describe themselves: Our people, our innovations, and our creativity – combined with ongoing collaboration, study, and research – differentiate RMS from any other engagement solution provider for financial services providers.

RMS specializes in the tactical execution of account holder acquisition, cross sell and retention programs, employee rewards and referral marketing programs that help banks and credit unions in the financial services industry to acquire, engage, and retain their most valuable account holders and employees.

RMS is guided by our dedication to create enduring value for our clients, honesty with ourselves and clients, making decisions with courage and responsibility to each other, clients, partners, and investors.

How they describe their product/innovation: YAP is a referral solution that is making it fast and easy for financial institutions to engage and reward account holders by generating highly qualified leads, enhancing account holder loyalty, and boosting brand awareness while saving financial institutions up to 35% of the cost of general acquisition marketing costs.

• Easy to implement and support
• Referrals made online, mobile, WOM, paper
• Event triggered emails to facilitate behavior
  • Reporting & metrics (export)
  • View data by product or line of business impact
  • Optimize programs with data segmentation
• Turn referrals into sales leads
• Designate a customized incentive mix for each tier

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

Contacts:

Bus. Dev.: Baron Unbehagen, CEO, [email protected], 512-217-7807
Press: Matt Domanico, SVP Marketing Product Design & Implementation, [email protected], 404-353-4469
Sales: Leo Vassar, SVP Sales & Client Relations, [email protected], 972-215-8066

How they describe themselves: Sliced Investing is democratizing access to elite investments including hedge funds and private equity for as little as $10,000. The online platform gives accredited investors access to curated alternative investments that have historically been restricted to institutions and ultra high net worth individuals. By leveraging technology, Sliced Investing is able to automate investment management and streamline all the operational aspects of private fund investing. Additionally, Sliced has a platform – Sliced Institutional – specifically tailored for investment advisors and family offices that want to make alternative investments.

How they describe their product/innovation: Sliced Institutional gives registered investment advisors access to a suite of alternative investments while also automating all the manual processes associated with private investments: subscription document signing, reporting, custodial integrations, CRM integrations and more. With this platform, Sliced Investing gives financial advisors access to both blue chip funds and emerging managers, all while providing portfolio analytical tools to help them efficiently invest capital.

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

Contacts:

Bus. Dev. & Sales: Matt Levine, Bus. Dev. Director, [email protected]
Press: Alia Dudum, Account Supervisor, Grayling, [email protected], 415-963-9626

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. & Press: Daniel Michaeli, CEO, [email protected]
Sales: Justin DiPietro, COO, [email protected]

How they describe themselves: Trulioo is the leading global identity verification provider specializing in anti-money laundering (AML) and Know Your Customer (KYC) compliance. From payments and financial services to ecommerce and online gaming, Trulioo’s instant identity verification services a wide spectrum of industries. The company’s mission is to solve global problems associated with verifying identities online by powering fraud and compliance systems for clients worldwide in an effort to increase trust and safety online.

How they describe their product/innovation: Trulioo’s bank-grade identity verification product, GlobalGateway, enables businesses to perform frictionless identity verification for more than 3B people in over 40 countries via 145 data sources — the widest coverage in the market. GlobalGateway helps businesses comply with Anti-Money Laundering (AML) and Know Your Customer (KYC) identity verification needs, and provides a reliable and trustworthy way for businesses to evaluate new and existing users through one, single portal or Normalized API.

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

Contacts:

Bus. Dev.: Anatoly Kvitnitsky, Corporate Development Director, [email protected]
Press: Kim Hong, Marketing Director, [email protected]
Sales: Elvis Chan, Sales, [email protected]

How they describe themselves: Trade It (TM) is a patent pending technology that enables consumers to trade securities in any app or on any publisher site with their existing brokerage accounts.

Currently, Trade It has 10 signed partners including TheStreet, Marketwatch, Motley Fool, investr, iStockAlerts, StockTracker, Rubicoin, Cinnamon Mobile and several other apps coming soon.

Trade It has demonstrated early market fit and adoption since the January 2015 soft launch with 30% week on week increase in orders placed via mobile partnerships.

Based in NYC, Trade It was founded by serial financial tech veterans with backgrounds at Yahoo! Finance, Dow Jones, Kapitall, and Bloomberg.

How they describe their product/innovation: Trade It is introducing the first universal mobile brokerage application.

The universal application lets a customer complete a simple application by capturing information from their license and LinkedIn profile in one simple, easy to fill out form.

Trade It enables online brokers bid for customers application and instantly, complete the application process for the consumer.

Consumers get choice, brokers get qualified accounts and everyone gets a beautifully designed, innovative, frictionless application process compliant with most major brokerages.

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

Contacts:

Press: Michele Clarke, [email protected]

How they describe themselves: TransferTo helps businesses offer Mobile Money, goods and services, and airtime top-ups around the world in real time. Our global mobile remittance Hub provides an essential combination of services and technology to mobile telecommunication companies and financial institutions including MTN, Singtel, Orange, Western Union, PayPal and Xoom.

Thousands of companies in over 100 countries depend on TransferTo to facilitate mobile financial transactions for their customers without the need for a bank account. TransferTo’s clients are companies whose consumer base consists largely of people connecting with family and friends back home. Founded in 2005, TransferTo currently links 4.5B+ mobile users across 400+ mobile operators.

How they describe their product/innovation: TransferTo’s Mobile Money Hub provides a fully compliant single point of access for financial institutions and Mobile Money operators worldwide. We are demonstrating the process that a customer performs when going online to send money directly to a mobile wallet. Believe it or not, those of us in the West are quite unfamiliar with the simplicity of Mobile Money transfers. We are revealing the efficiency of remittance via Mobile Money to the Finovate audience.

Product distribution strategy: Direct to Business (B2B)

Contacts:

Bus. Dev.: Charles Damen, Global Bus. Dev., [email protected]
Press: Jennah Makalai, Marketing Manager, [email protected]
Sales: [email protected]

How they describe themselves: Travel Notes helps financial institutions improve customer experience, create competitive differentiation, and reduce operating costs by offering powerful, yet simple solutions. We are currently focused on helping financial institutions improve their cardholders’ experience when they are traveling. Financial institutions can seamlessly integrate Travel Notes’ suite of product offerings related to enhancing the travel experience for their cardholders. Travel Notes was founded in 2014 by Hudson Chilton and Jonathan Pickard, and is headquartered in Cincinnati, Ohio.

How they describe their product/innovation: As our core technology, the Travel Notes Fraud Platform automatically notifies financial institutions of their cardholder’s travel plans when they purchase airline tickets, so their card is not declined when traveling. We leveraged this technology to offer Travel Notes Flight Compensation, which helps you compete for the top of wallet position by putting money back in the pockets of your cardholders who have been impacted by a delayed, canceled, or overbooked airline flight. We have partnered with legal experts who handle all of the compensation paperwork and communication with the airlines on behalf of your cardholder so that your cardholder has a seamless experience.

Product distribution strategy: Through financial institutions

Contacts:

Bus. Dev., Press & Sales: Hudson Chilton, CEO, [email protected], 317-946-6515