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]
How they describe themselves: Finect is the online network for the financial industry. It enables financial advisors, asset managers, investors and others to use social media and overcome the obstacles — especially industry regulations — that have held them back from communicating in today’s world.
How they describe their product/innovation: The first social network focused solely on the needs of the industry features: Professional Verification – the only network to check credentials and raise the quality of the network, Groups – the ability to create public or private groups to update customers or employees instantly or build brand and awareness with prospective clients, One-Stop Social Communications – Post once and share content with many (LinkedIn, Twitter), Social Products – Investment products that can now be followed for real-time alerts and community opinions, Compliance – Full permissions, content controls, archiving, and reporting for compliance officer and marketers to remain SEC/FINRA compliant.
Contacts:
Bus. Dev.: Jennifer Openshaw, President, [email protected], 310-980-9252
Press: Courtney Bosch, Director of Public Outreach & Social Media, [email protected], 914-760-4873
Sales: Sherry Chen, Marketing Manager, [email protected]
How they describe themselves: Finovera is reinventing how people manage their bills, accounts and financial documents at home. Its automated digital file cabinet brings simplicity, efficiency and convenience to household bill and information management and helps consumers say goodbye to late fees, forgotten passwords and disorganized piles of bills.
Finovera is a perfect complement to online banking. The integrated experience of viewing and paying bills at the same time increases customer satisfaction and retention, helps lower service costs and deepens relationships between customer and service providers to maximize the wallet share.
How they describe their product/innovation: Finovera is like your personal bookkeeper. You setup your accounts once, and it automatically downloads up to 12 months of your statements, organizes them and presents them to you with detailed analysis. Now it is possible to organize your financial life in less than 10 minutes! No paper clutter, no late fees and no excuses! You receive automatic alerts when new bills are due or higher than usual. Not sure if you have to move money around to pay your bills? No problem – we’ll let you know.
Contacts:
Bus. Dev. & Sales: Purna Pareek, Founder & CEO, [email protected]
Press: Preeti Ray, Sr. Product Manager, [email protected]
How they describe themselves: FIS is the world’s largest global provider dedicated to banking and payments technologies.
How they describe their product/innovation: The FIS Mobile Wallet is a cloud-based platform that gives financial institutions control of the branding and user experience within the application. As a fully enabled commerce solution, customers can add debit, credit, stored value and loyalty cards, as well as redeem mobile coupons and targets offers and pay bills. All credentials are stored securely in the cloud, not on the phone.
Cardless Cash Access allows users to make cash withdrawals at an ATM using only their smartphone. Authentication, account selection and amount selection all occur through the mobile app and a QR code is scanned to complete the transaction.
Contacts:
Bus. Dev.: Douglas Brown, SVP & General Manager, FIS Mobile, [email protected] & Chris Gardner, CEO & Co-Founder, Paydiant, [email protected]
Press: Kim Snider, VP Corporate Communications, 904-438-6278, [email protected]
Sales: Amanda Burk, Product Marketing Manager, FIS Mobile, [email protected]
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. Visit us at www.fiserv.com.
How they describe their product/innovation: ‘Snap to Tag’ brings together real-world receipts with digital experiences. It enables consumers to take a photo of a merchant receipt within their mobile banking application, extracting key data elements and automatically attaching the image and its data to transaction details within mobile and online banking transaction listings. Consumers can then review the image if they have any queries at some point in the future. It addresses specific use cases like having receipts for expense management and / or product warranties.
Snap to Tag will be a feature within our MobilitiTM application – our market leading mobile banking and payment platform.
Contacts:
Bus. Dev. & Sales: Joe Christenson, VP Sales, Mobile Solutions, [email protected], 210-378-0893
Press: Ann Cave, Director Public Relations, Online Banking, Mobile Banking, Biller Solutions, Walk-In Payments, [email protected], 678-375-4039
How they describe themselves: FlexScore was created by two financial advisors to “gameify” the financial planning process by giving you a “score” based on how well you are doing with your money and the financial decisions you make. Using a web-based platform, users receive their score based on the unique goals they set for themselves. To improve the score (financial health), users earn points by completing recommended action steps to move them closer toward their own goals. We’ve removed the daunting nature of financial planning, kept its power, and added a whole lot of fun. Consumers and advisors will benefit.
How they describe their product/innovation: At the core of our platform is the FlexScore “scoring engine,” comprised of multiple factors the Certified Financial Planner Board of Standards agree should be monitored by consumers. Based on our patent-pending algorithm, FlexScore is an industry first: a single gauge of a person’s overall financial health. Until now, there’s never been a comprehensive score that represents “who” you are financially. Through a combination of gamification strategies, custom action steps, peer ranking, and the ability to model financial decisions to see how they will impact your future… we make improving one’s financial health a fun and achievable goal.
Contacts:
Bus. Dev.: Jason Gordo, CEO, FlexScore, [email protected], 156 Second Street, 6th Floor, San Francisco, CA 94105
Press: Peggy Carmer Jara, Harden Communications Partners, [email protected], 510-635-4150, 11881 Skyline Blvd., Suite F, Oakland, CA 94619
How they describe themselves: GoBank is a brand of Green Dot Bank, Member FDIC. GoBank is the first bank account designed from scratch to be opened and used on a mobile device. With GoBank, members have full access and control of their money from their iPhone, iPod Touch or Android device, have no overdraft fees or minimum balance requirements, and can withdraw cash from more than 42,000 fee-free ATMs in the U.S. For more information about GoBank or to request a membership invitation, visit gobank.com.
How they describe their product/innovation: GoBank is a modern, feature-rich bank account designed from scratch to be opened and used on a mobile device. Every feature was developed with the mobile user in mind, resulting in a product that fits seamlessly into the daily life of GoBankers. GoBank offers a consumer-friendly pricing model of no overdraft fees or penalty fees and no minimum balance requirements. Free features include a budgeting tool, a linked debit card, a large ATM network, multiple deposit options and mobile bill and P2P payments.
Contacts:
Bus. Dev.: Sangeen Zeb, General Manager, GoBank, [email protected]
Press: Liz DiTrapano, [email protected], 646-277-1226
