How they describe themselves: Finect offers compliant social media… simplified:

• Instantly connect with clients and prospects
• In minutes, create and control a unified social strategy
• Remain compliant with easy-to-use employee tracking, archiving, and reporting

How they describe their product/innovation: Global Library – The financial industry’s broadest, smartest, and yet simplest library provides for the first truly open exchange of content without boundaries. This library helps advisors, asset managers and others:

• Share, upload, and access content for client meetings, education, investment updates and more
• Share content with clients and prospects in their own groups or “rooms”
• Follow and get instant library editions without worry

Pros on Products – Investment products can now be followed on Finect, with a single location for reviewing peer opinions, real-time news, and Twitter comments.

Product Distribution Strategy: Direct to Business (B2B) & through financial institutions

Contacts:

Bus. Dev. & Sales: Jennifer Openshaw, President, [email protected],
203-769-5630
Press: John LaMela, [email protected], 845-549-3593

How they describe themselves: Fiserv is a leading global provider of information management and electronic commerce systems for the financial services industry, providing integrated technology and services that create value and results for our clients. Fiserv drives innovations that transform experiences for more than 16,000 clients worldwide.

How they describe their product/innovation: Financial institutions are challenged to meet the ticking clock of consumer expectations for a real‐time payments experience. The Popmoney personal payment service from Fiserv fulfills that need with Instant Payments, a new value-added feature offering real-time delivery of funds.

Popmoney lets people send, request, and receive money using an email address or mobile phone number. Traditionally, Popmoney has only been able to deliver payments via the ACH network, which works great for most payments. Funds settle in 1 to 3 business days.

The Instant Payments feature, which is now available for financial institutions, uses the debit card networks to deliver funds in real-time – 24/7, 365 days a year. Recipients have access to funds literally in seconds.

Product Distribution Strategy: Through financial institutions and direct-to-consumer

Contacts:

Bus. Dev.:  Timothy Ruhe, VP Bus. Dev., [email protected], (o) 703-885-4208
Press: Ann Cave, Senior PR Manager Online Banking, Mobile Banking, Biller Solutions, & Walk-In Payments, [email protected]
Sales: Lou Keyes, SVP Global Sales Organization, [email protected], (o) 972-774-2898
Joel Christenson, VP Sales Mobile Solutions, (m) 210-378-0893

How they describe themselves: FlexScore is an entirely new financial product that empowers people to take more control over their personal finances. It’s financial advice for the rest of us.

How they describe their product/innovation: We demoed our newly patented scoring engine and peer ranking features of the FlexScore web app.

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: Jason Gordo, CEO, [email protected]
Press: Peggy Cramer Jara, [email protected]
Liam Collopy, [email protected]

How they describe themselves: Float is an online lending and marketing platform that offers general-use, interest-free credit. The company earns marketing revenue from stores instead of interest and fees from borrowers. Float lends against consumers’ future spending, creating a new source of credit. Float uses data, loyalty, and new risk models to offer loans that are both profitable to Float and safer to the borrower. Float’s goal is to save tens of millions of people from financial stress, while building the non-bank financial services firm of the future based on loyal consumer credit relationships.

How they describe their product/innovation: Float offers a line of credit without interest or fees. The loans can be used for any purpose. Members earn the interest-free line by shopping through Float. Float earns marketing revenue from merchants instead of interest and fees from borrowers. Float lends against future shopping, creating a new source of credit. Float reports to the credit reporting agencies, building positive history for its members. Float can be used inside of a digital wallet to provide convenient interest-free credit without a credit card. Float offers additional credit for certain activities such as taking credit counseling classes or starting a savings program. Float customers range from people with great credit to those with weak or no credit history.

Product Distribution Strategy: Direct to Consumer (B2C), Direct to Business (B2B), through financial institutions, & through other fintech companies and platforms

Contacts:

Bus. Dev. & Sales: Shane Hadden, CEO, [email protected], 917-940-5322
Press: Bill Myers, [email protected]

How they describe themselves: FutureAdvisor is your online investment advisor: A web application and service that looks at your entire portfolio and automatically manages your investments to save on hidden fees, increase tax efficiency, and optimize for asset diversification.

FutureAdvisor’s online investment portfolio management solution provides its customers with:
• Online dashboard that aggregates an investor’s holdings from multiple institutions
• Account-by-account management on an investor’s entire existing investment portfolio
• Periodic automated portfolio rebalancing, tax-loss harvesting, and immediate new-cash investing

How they describe their product/innovation: FutureAdvisor Premium automatically manages your existing investment accounts to save on hidden fees, increase tax efficiency, and optimize for asset diversification. We do this by:
• Monitoring and rebalancing your account as necessary
• Recognizing and actively investing new cash additions
• Periodically completing tax-loss harvesting

Product Distribution Strategy: Direct to Consumer (B2C), through financial institutions, & through other fintech companies and platforms

Contacts:

Bus. Dev. & Sales: Joe Cianciolo, VP Bus. Dev., [email protected], 415-379-0098
Press: Bo Lu, CEO, [email protected], 415-562-4811

How they describe themselves: GMC Software Technology is an award-winning leader in the field of Customer Communications Management. The company develops innovative software applications that enable businesses to transform the customer experience, reduce costs, and increase agility. Its flagship software, GMC Inspire, is an end-to-end solution for delivering relevant, compliant communications across multiple channels including SMS, email, print, web, and social media.

Operating worldwide, the company’s continued growth spans major enterprises in financial services, insurance, wealth management, and retail banking. GMC was recently an IBM Beacon award finalist for Best Industry Solution for Insurance and named a leader in the Forrester Wave for DOCCM.

How they describe their product/innovation: GMC Inspire Dynamic Statement for Mobile delivers a new communication platform for banks. The GMC Inspire Dynamic Statement enables banks to complete their multi-channel communication portfolio, by bridging the gaps between paper statements to mobile statements. This game-changing innovation allows banks to upgrade existing web, email, social, and print-based communications projects to deliver interactive, digital statements that provide easy to understand graphical representations of financial information. GMC Inspire Dynamic Statement for Mobile allows customers to tap their way deep into their transactional data, building upon the GMC Inspire Dynamic Statement for Tablet application demonstrated at FinovateFall.

Product Distribution Strategy: Direct to Business (B2B), through financial institutions, & licensed

Contacts:

Bus. Dev.: Didier Rouillard, VP Product Marketing, [email protected], +33 6 12 99 87 31
Press: Sandy Armstrong, Sterling Kilgore Account Executive, [email protected], 630-964-8500 x228
Sales: Marc Butti, Sales Manager, [email protected], 866-883-4260 x1231

How they describe themselves: Guide is a personal money mentor for the 70% of Americans that don’t have access to affordable financial guidance. The company has built powerful technology to analyze users’ accounts, identify their savings potential in dozens of areas, and provide detailed guides that help users keep more of their money. Initial customer development in 15 different financial areas has found savings worth $7,000 a year on average per user in the first year alone.

How they describe their product/innovation: Guide’s Savings Scan automatically analyzes users’ finances to find savings in multiple areas and provides step-by-step guidance to help users easily capture these savings.

We demonstrated how Guide’s technology works for mortgage refinancing, as it helps users make smart choices for every major savings opportunity – from picking the perfect loan type through to paying less on closing costs.

Product Distribution Strategy: Direct to Consumer (B2C) & through other fintech companies and platforms

Contacts:

Bus. Dev. & Press: Uri Pomerantz, CEO, [email protected]
Sales: Scott Burns, Head of Financial Advisory, [email protected]

How they describe themselves: Encap is a software security company that bridges the gap between banking grade security and user experience. Steeped in the innovative Nordic banking sector, Encap’s patented banking-grade security technology turns any smart-device into a personal security credential. It removes the need for investments in cumbersome and clunky security methods like hardware tokens, SIM-cards and SMS’s. Encap makes the step from username and password to two- and three-factor security easy. The user simply downloads an Encap-enabled app to a smartphone or tablet, goes through a one-time activation process and chooses a personal PIN.

How they describe their product/innovation: The Encap product is a software-based authentication solution that provides uncompromising speed, security and simplicity to boost the adoption of financial services and applications. It allows any service provider to offer two- and three-factor authentication using the customer´s smart device. Integrating Encap’s client SDK with a native app creates a seamless, familiar login experience while maintaining banking-grade access security. The 1st (´know´) factor is the user-defined PIN, the 2nd (´have´) factor is the uniquely identifiable smart device and the 3rd factor (´are´) is the users typing behaviour. By integrating with Encap server-side SDK, the service provider can use Encap’s solution as part of its existing identity management, access control service and signature systems.

Contacts:

Bus. Dev. & Sales: Thomas Bostrøm Jørgensen, CEO, [email protected],
+47-9203-2078
Press: Alan Miller, CCgroup, +020-7535-7273

How they describe themselves: Escardgot is a start-up company. Its primary focus is to solve technology issues in the nascent wireless payment industry. Escardgot manufactures and sells both the Helix SCard and SCard-GO mobile app. These two products, when combined, support a multi-platform business model that connects the wireless payment industry to end consumers. Escardgot’s primary markets include wireless payment markets, mobile application markets, retailers, credit card industry, and the banking industry, as well as end consumers.

How they describe their product/innovation: The patented Helix SCard, combined with the SCard-GO mobile app, allows a consumer to reduce their wallet-full-of-cards down to a single, secure card. The innovative technology inside the Helix SCard allows it to become any magnetic stripe card – for example a credit or debit card. In addition to selecting different cards, SCard-GO mobile app allows a consumer to make transactions, review transactions, and receive electronic offers from merchants. The Helix SCard works with existing POS technology and does not require a hardware upgrade like NFC does. And because it does not require a transaction fee, it is transparent to the credit industry, unlike Square. It is also transparent for the end consumer, as the Helix SCard has the same form factor, appearance, and behavior as a standard credit card.

Contacts:

Bus. Dev. & Sales: Thomas D Humphrey, President, [email protected]
Press: Garret Unglaub, Marketing Analyst, [email protected]

How they describe themselves: Expensify does expense reports that don’t suck! Expensify makes it possible to upload receipts from smartphones, as well as import expenses from domestic and international banks. Expensify’s SmartScan technology will read receipts and automatically create an expense from it or match the receipt to expenses imported from a credit card. Create and submit your entire expense report online or from your smartphone to quickly get reimbursed directly to your checking account. Expensify is the largest SMB expense reporting service, used by over 200K companies and 1.4M users, processing over $2M in expense reports every day.

How they describe their product/innovation: Announcing Expensify Invoices! Now it’s possible to transform expense reports into invoices and send directly to clients. Upload your company logo to create branded invoices. Combine multiple expense reports into a coherent branded invoice to email to your client with custom payment terms. Your clients can even pay their invoice directly through Expensify with ACH Direct Deposit or PayPal. Your favorite expense management software just got better! Take the paper, time, and headaches out of invoicing with Expensify Invoices.

Contacts:

Bus. Dev. & Sales: Jason Mills, Director Sales & Support, [email protected]
Press: Ryan Schaffer, Marketing Manager, [email protected]

How they describe themselves: EyeVerify has commercialized a software-only biometric method for verifying the identity of mobile users called “Eyeprints.” The Eyeprint Verification System is based on the unique vein patterns in the whites of your eyes and has fingerprint level accuracy. Eyeprints require only the existing camera in a smartphone, so the system is not dependent on expensive fingerprint or iris scanning hardware.

Eyeprints will reduce fraud, identity theft and can replace cumbersome passwords – making mobile authentication and access management accurate, simple and secure.

How they describe their product/innovation: EyeVerify recently announced a Beta and Pilot program. Eyeprints are a simple, safe replacement for passwords. The beta program supports Finance companies seeking to integrate, test, pilot and deploy the next generation authenticator. Learn more and sign up at http://www.eyeverify.com/betaprogram.

The beta will include prototype applications, SDK access, technical and engineering support as well as quality assurance test plans and results. Beta participants can also take advantage of early access to commercial releases.

EyeVerify’s patented technology uses built-in cameras within smartphones to image and pattern match users’ eye veins, ensuring highly accurate, fast and convenient security for mobile finance transactions.

Contacts:

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

How they describe themselves: FamZoo’s award winning online and mobile software helps parents teach kids good personal finance habits through real-world, hands-on practice. Parents set up a private, fully customizable “Virtual Family Bank” to manage their children’s earnings, spending, saving, and charitable giving using IOU accounts or optional prepaid card accounts. FamZoo Partner Edition is a co-branded version of the FamZoo offering with a built-in targeted marketing platform that allows financial institutions to deliver superior youth financial education while promoting their brand, expanding their family product offerings, cross-selling related products, and establishing a long-term relationship with their next generation customers.

How they describe their product/innovation: The Prepaid Card Family Pack is a uniquely affordable, convenient, and educational MasterCard reloadable card offering designed specifically for families. Linked together and accessed online through FamZoo’s Virtual Family Bank software, the cards are used collaboratively to share funds between family members and develop financial responsibility. Parent cards serve as the automated funding source for allowance, chores, odd jobs, ad-hoc transfers, reimbursements, compound interest, and matching contributions. Children sign in separately to monitor spending, while parents retain control through a shared dashboard. Additional tools include collaborative budgets, interactive savings planners, “child bill pay,” and automated IOU tracking.

Contacts:

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