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

How they describe themselves: GoNow, a mobile payment solutions provider, introduces the GoNow eWallet Platform to accelerate mass market adoption of eWallets. The GoNow Platform makes it easy to launch an eWallet that works with all existing payment infrastructure and smartphones. The GoNow Platform is white-labeled to companies offering an eWallet to consumers and significantly improves ROI for eWallet issuers. The GoNow Platform includes the world’s first eWallet Card integrated with the GoNow eWallet application, thus providing customers with an end-to-end eWallet solution. The GoNow eWallet Card also is offered as a stand-alone product that seamlessly integrates with any eWallet.

How they describe their product/innovation: The GoNow eWallet Platform includes the GoNow eWallet Card, a reprogrammable electronic device that looks like a standard payment card. The GoNow Card becomes any credit, debit or stored-value card in a consumer’s eWallet “on the fly.” It receives commands from an eWallet and can be tapped or swiped at all existing POS terminals and ATMs without any change to the existing payment infrastructure. The GoNow Card, which communicates in close proximity with a smartphone, is the ideal eWallet companion card. GoNow also has a secure element in the card that may be used in lieu of, or in addition to, a secure element in the phone.

Contacts:

Bus. Dev. & Sales: Joe O’Neill, VP Business Development, [email protected], 425-837-9475
Press: Doug Spodak, CEO, [email protected], 610-551-4733

How they describe themselves: GoodApril is your online guide to tax savings opportunities. Whether you use TurboTax, H&R Block, or an accountant to file your taxes, GoodApril provides in-year tax guidance the other 364 days of the year.  We help you make better financial decisions during the course of the year so you have confidence that you’re only paying your fair share to Uncle Sam and aren’t in for an April “surprise.”

How they describe their product/innovation: GoodApril’s online Tax Checkup analyzes your 2012 tax return to identify tax savings opportunities for the year ahead. We also forecast how much more you will owe in taxes as a result of the 7 major tax rule changes included in the Fiscal Cliff tax bill and Affordable Care Act.

Today, GoodApril is unveiling its next-generation, automated tax monitoring solution for consumers.

Contacts:

Bus. Dev.: Benny Joseph (Co-Founder), [email protected], 586-823-0115
Press: Mitchell Fox (Co-Founder), [email protected], 415-755-8820

How they describe themselves: Gremln is a web-based suite of software tools for regulated companies that use social media. We provide an engagement and an analysis platform featuring organization tools & sentiment analysis. Monitor the conversation, engage with customers, stay compliant, and finally track your ROI. Target customers including SMBs & industries that require compliance with regulatory bodies such as financial services.

How they describe their product/innovation: Gremln is introducing its new Secure Social Media version, designed for financial services companies. This new product creates the ability for marketing and compliance departments to work together toward the common goal of utilizing social media to build business and retain customers through engagement; all without violating guidelines set forth by regulatory bodies like the SEC, FFIEC, and FINRA.

Contacts:

Bus. Dev.: Ryan Bell, CEO, [email protected]
Press: David Bell, CMO, [email protected]
Sales: Mark Fenton, Sr. Sales Associate, [email protected]

How they describe themselves: Mortgage Harmony is a financial technology company, which designs, develops, and operates innovative Loan Retention Software (LRS™) in a SaaS environment. The company’s cornerstone product, the HarmonyLoan™, is a consumer initiated interest rate-resetting mortgage with a patented recurring compensation structure to the loan officer (MARS – Mortgage Annuity Revenue Stream). The target market is mortgage, auto, student and commercial loans.

How they describe their product/innovation: HarmonyLoan™ Central is the client-branded consumer web-interface for borrowers to access their HarmonyLoan™. The Loan Retention Software (LRS™) eliminates a traditional refinance. With one click and an e-signature, a borrower resets their rate, incurring zero closing costs, with no credit check, or underwriting, all in minutes. The FI has no back office processing costs, increases retention, at a premium yield. The servicer reduces portfolio churn, and the originator creates a recurring revenue stream (patent No. 7292995). In other words, everyone wins.

Contacts:

Press: Keith Kelly, CEO, [email protected], 703-926-8626
Sales: Ray Crosier, President, [email protected], 703-825-7330

How they describe themselves: ERN is a pioneering, payment big data technology company, committed to enabling all parties of the payment ecosystem to analyse transactional data and extract actionable, value-driving insights.

Banks, merchants, acquirers, payment processors and consumers generate billions of card transactions, but only a fraction of this data is used intelligently to create value. ERN enables all parties to more fully utilise the universe of payment transactional big data, to inform consumer lifestyles and behaviours, central to the evolution of lifetime consumer value models.

How they describe their product/innovation: Looop is a unique, big data technology platform that brings together card payment and merchant data in real time to create value from every single transaction.

It provides transactional payment data analytics, insights, integrated and intelligent mCoupons, eReceipts and campaign management and tracking.  All delivered through a smart phone app and cloud-based solution, to ensure rapid and secure global deployment across multiple jurisdictions.

Contacts:

Bus. Dev. & Sales: Andrew Rush, Global Head of Sales, [email protected],
Anant Patel, UK Head of Sales, [email protected], +44 (0)203 192 5660
Press: Kirsty Jarvis, Clarity Communications, [email protected], +44 (0)207 100 133,
Nicky Chisholm, Head of Marketing, [email protected], +44 (0)203 192 5660

How they describe themselves: ETRONIKA is a remarkably skilled and experienced IT company, developing complex and innovative solutions for the banking and finance industry. Our full suite of e-banking solutions allows financial institutions to serve both retail and corporate customers. For years ETRONIKA has taken an active role in mobile e-signature projects, promoting the use of wireless PKI. We were among the first to introduce mobile e-signature technology for digital identity management, as well as Natural User Interface based e-banking. We are proud of our strong partnerships, joint projects, and achievements, with the world’s most accomplished ICT companies.

How they describe their product/innovation: ETRONIKA’s BANKTRON e-channels management platform enables a completely new approach to the banking and finance industry, which provides front-end users elegant, safe, and secure financial products and services. The solution allows financial institutions to offer a highly personalized, attractively simple, and enhanced e-banking experience for its clients across all channels and devices.

BANKTRON makes all delivery channels work seamlessly together as an integrated whole.

Contacts:

Bus. Dev., Press & Sales: Kęstutis Gardžiulis, CEO & Co-Founder, [email protected]

How they describe themselves: The eWise Account Aggregation and PFM solution suite provides financial institutions with proven, tangible benefits and low-impact implementation. eWise delivers unique levels of privacy, security, and control to consumers through a powerful yet simple online banking experience. It’s no wonder that eWise has become a world-leading provider of transformational online and mobile banking solutions!

How they describe their product/innovation: The eWise MyFin mobile banking application combines the most powerful elements of PFM, account aggregation, and eAuthentication into a single, integrated solution. The groundbreaking functionality of the eWise MyFin application transforms the consumer’s online banking into a simple, fast, and powerful experience that delivers unprecedented value to financial institutions through an integrated ROI engine.

Contacts:

Bus. Dev.: Mark Matthews, Managing Director UK, [email protected], +44 7967 110 164,
+44 20 3402 3075
Press: Alexander Grinberg, Founder & EVP, [email protected], +1 720-258-4300

How they describe themselves: eyeOpen launches the world’s first digital mortgage advisor. In an age when banks and insurers strive for consumer’s trust, digital leadership and true customer centricity are the weapons of this service. The personal advice algorithms are ‘the crème de la crème’ of personal mortgage advice. eyeOpen offers it’s service as a SaaS-solution to banks, insurers and advisor companies in Europe and the US. The benefit: extreme cost reductions, smarter targeting and incredible NPS-improvements.

Contacts:

Bus. Dev.: Diederick van Thiel, CEO, [email protected]
Press & Sales: Sulna Haas, [email protected]

How they describe themselves: EZBOB offers real-time financing for e-commerce businesses in the UK. The company has developed a web based lending platform which gathers data, in real-time, allowing for instant lending decisions. An e-commerce business is analysed based on data pulled through API connections to data sources such as Amazon, eBay, and PayPal as well as strategic partners such Channel Grabber, EKM and others. EZBOB’s proprietary algorithm allows the company to look beyond a traditional credit score. EZBOB currently targets E-tailers in the UK, specifically those who sell on eBay and Amazon and also small business that have merchant accounts with PayPal.

How they describe their product/innovation: EZBOB uses a range of online data sources to analyze e-commerce businesses instantly.

In less than 10 minutes the system will:

• Guide the seller through a simple, secure, quick, and seamless online application process
• Assess the seller’s eligibility using our proprietary internal credit scoring system
• Verify seller’s historical operating performance and assess seller’s ability to service debt
• Verify seller’s identity to prevent fraud
• Provide a customized financing proposal
• Immediate transfer of funds

EZBOB offers a customized financing proposal which is: unsecured (personal or director guarantee), short-term (3 – 6 months), up to £45,000 per seller, cost of 2-7% per month, clear repayment schedule, without early repayment penalties, no hidden fees, and no covenants on a seller’s business.

Contacts:

Bus. Dev. & Sales: Sharone Perlstein, Director, [email protected]
Press: Jennifer Janson, Six Degrees PR, [email protected]

How they describe themselves: Financial Simplicity is an international wealth management infrastructure for portfolio business management and is designed specifically to provide mass personalised portfolio services.

Financial Simplicity is widely used to power managed account programs around the world with the provision of portfolio services including IMAs, SMAs, MDAs, and UMAs. Financial Simplicity technology enhances business functionality for a range of purposes including:

• Portfolio rebalancing against a broad range of client specific rules, preferences and constraints
• Investment portfolio and model portfolio management
• Order management and trade allocations
• Portfolio analysis and performance reporting
• Platform management

Financial Simplicity’s unique approach to portfolio decision-making has been acknowledged as a most effective way to construct model portfolios.

How they describe their product/innovation: Financial Simplicity offers a highly efficient capability to manage large numbers of individually tailored investment portfolios (in the thousands or tens of thousands). It will ensure that clients can offer highly customised propositions to their customers while maintaining a high degree of centralised control over access, data and business work flows.

Using systematically programmed processing and advanced algorithmic engines, Financial Simplicity negates the need for many time intensive workflows and workarounds to manage data effectively. Financial Simplicity’s innovations have enhanced significantly the efficiency with which relevant portfolios can be delivered to investors.

Financial Simplicity’s capabilities enable a fresh set of wealth management propositions that can be RDR compliant with breakthrough levels of client customisation, compliance and efficiency.

Contacts:

Press: Alexandra Ballard, Marketing Manager, [email protected],
+1 604 349 1221
Sales: Stuart Holdsworth, CEO, [email protected], +44 7826 359 137