How they describe themselves: PocketSmith is a company that develops web-based personal finance software of the same name. We’re passionate about creating the best tools for you to understand and organize your money.

Our mission is to help you make the best decisions in life by providing you with financial clarity and control. Our vision is to make financial comprehension and decision-making as natural as possible for everyone.

We look forward to meeting you!

How they describe their product/innovation: PocketSmith is the comprehensive personal finance app with cashflow forecasting. It empowers you to make smart financial decisions by creating what-if scenarios. The product combines day-to-day and financial planning, projecting daily bank balances up to 30 years in the future. It offers you an interactive, flexible and creative experience and connects to over 11,000 banks worldwide. PocketSmith’s underlying software has also been adapted for online banking.

At FinovateAsia 2012, PocketSmith shows you how it generates a meaningful and easily adjustable cashflow projection for anyone with bank transactions. This innovation provides users with an instant perspective on their financial future, as well as the ability to make immediate changes to improve their outcomes.

Contacts:

Bus. Dev., Press & Sales: Jason Leong, Co-Founder, [email protected], +6421424540

How they describe themselves: SocietyOne has developed the ClearMatch technology platform to standardize and automate many of the processes associated with running an online p2p consumer lending business across the APAC region. Reengineered from a proven banking platform, the ClearMatch technology platform is a ‘cloud based’ solution that manages the entire loan lifecycle from loan origination, credit scoring and assessment, investor bidding, debt management, and complex treasury unique to the p2p lending market.

ClearMatch allows investors the ability to bid together at different interest rates and amounts against a single loan with no additional accounting overhead and no reliance on third party software.

How they describe their product/innovation: SocietyOne is launching a smartphone loan application channel solution that simplifies the process of applying for a loan and minimizes manual data entry requirements by leveraging the customer’s third party data. ClearMatch’s credit decision engine is being enhanced to cater for new metrics and behavioral attributes of consumers in the loan provisioning and pricing process.

Contacts:

Bus. Dev. & Press: Greg Symons, COO, [email protected]
Sales: Matt Symons, CEO, [email protected]

How they describe themselves: Established in 1996, the Emida network provides a POSA backbone throughout North America, Latin America, the extended Caribbean, Africa, Oceania and other regions of the world. The network allows carriers, service providers, distributors, ISOs, merchants and retailers to offer a wide range of prepaid products including wireless, long distance, stored value cards, bill payment, lottery and Cash and Transact™, all delivered over industry standard POS terminals, web-based applications and mobile devices. Our relationships with product providers in 37 countries help grow our distribution portfolio, enhance value to our customers and consumers, and lock in customer loyalty, thereby ensuring the value of the network.

How they describe their product/innovation: Cash and Transact™ allows consumers to apply cash to their virtual mobile account without requiring an existing bank account or credit card collateral. Account holders can load value to their Cash and Transact™ account and then transfer cash or pay for goods and services with anyone, anytime, from anywhere. The Cash and Transact™ vision is to create a borderless community connected by transactions via the Cash and Transact™ mobile wallet.

Cash and Transact™ is an ideal cash alternative for just about anyone, but especially for unbanked subscribers. There are no credit checks, and the system is much safer than carrying cash in many parts of the world. Cash and Transact™ is as convenient as cash – users can pay bills, buy groceries, transfer money to family and friends in remote locations and much more – all from their mobile handset.

Contacts:

Bus. Dev.: Patrick Neill, VP International Business Development, [email protected],
(949) 860-3562
Press: Lisbeth Cabrera, Marketing, [email protected], (949) 860-3599
Sales: Ron Kraft, VP & GM North America, (949) 860-3534

How they describe themselves: eToro is the world’s largest investment network, with over 2.5 million users in over 140 countries. eToro leads the social trading revolution through its community powered network enabling every investor to see, follow and automatically copy the actions of other investors in real time. eToro opens the financial markets to every individual making them accessible through a simple, transparent and more enjoyable way to trade currencies, commodities and indices online. A range of innovative trading platforms and eToro’s investment network facilitate information exchange between investors, accelerate knowledge sharing and shorten the learning curve for those who want to bring their trading experience to the next level.

How they describe their product/innovation:
Portfolio Builder: The portfolio builder enables users to instantly create their investment dream team, comprised of top performing Guru traders in the network. Users will be able to create their own people-based portfolio within minutes using a highly intuitive UI.

Social Stocks: A new way for people to trade stocks on eToro. The idea is to change the existing method of how stocks are traded by enabling any person to buy a stock with ANY sum.

Portfolio view: Display that enables users to instantly see who of their copied gurus is profiting and who is losing their money.

Contacts:

Bus. Dev.: Alon Levitan, Head of Strategic Marketing, [email protected]
Press: Alon Levitan, Head of Strategic Marketing, [email protected],
Dara Sandow, Marketing Operations Manager, [email protected]
Sales: Nir Oren, VP Acquisitions, [email protected]
Gil Ariel, Director of Sales, [email protected]

How they describe themselves: “Zero paper company” aiming to transform every legal paper signed into an ab-origine electronic document with the same legal validity in all verticals worldwide. Euronovate is the first company able to offer an end-to-end approach for ab-origine paperless, assuring the best benefit for customers in terms of cost reduction, process efficiency and experience. Euronovate SA was founded by Alberto Guidotti, head and promoter of the banking paperless revolution, and 5 industrial partners. Euronovate is based in Lugano and is opening its first foreign branch in Milan, Italy. It is now operating through strategic partnership in all of Europe, Africa and Far-east.

How they describe their product/innovation: Industrial model with an end-to-end approach for paperless. Existing companies are focused on only one key element, creating a fragmentation of competence and making it difficult for customers to realize a successful paperless project. Euronovate owns all the expertise and the best product to deliver a turnkey paperless program (using partner resources.). ENSIGN 10 + ENSOFT are innovative tablet and software for advanced electronic signature and instant marketing, with a unique concept that assures maximum customer experience and level of security. Features include: 10” wide screen, biometric data capturing including special on-the-air movement and 1.024 pressure level, one single shell impossible to open, encryption 3DES in communication, USB cable for power and data transmission avoiding any tentative of sniffing, tempered glass.

Contacts:

Bus. Dev.: Alberto Guidotti, CEO, [email protected]
Press: Giada Vettori, Executive Assistant, [email protected]
Sales: Alfredo Isacchi, Sales Director, [email protected]

How they describe themselves: Experian® is a global leader in providing information, analytical tools and marketing services to organizations and consumers to help manage the risk and reward of commercial and financial decisions. Using our comprehensive understanding of individuals, markets and economies, we help organizations find, develop and manage customer relationships to make their businesses more profitable.

Experian promotes greater financial health and opportunity among consumers by enabling them to understand, manage and protect their personal information. We empower the consumer and help them control the financial aspects of key life events and make the most advantageous financial and purchasing decisions.

How they describe their product/innovation: Premium Prequalification is a powerful credit-screening tool that allows institutions to proactively utilize individual credit data online in real time to:

• Empower consumers with a snapshot of their credit health
• Save consumers time and money by instantly providing them with their best options

With Premium Prequalification, providers and lead generators have access to a powerful marketing tool that drives traffic; lowers online acquisition costs; and provides high-quality, credit-qualified leads. This best-in-class process also offers Prequalification Triggers, notifying consumers of recent changes to their credit while offering relevant products, and Credit Comparables™, which compares individual credit to the neighborhood average. Experian encourages all online institutions to redefine their acquisition game with Premium Prequalification.

Contacts:

Business Development: Leslie Severson, [email protected], (714) 830-5038
Press: Kristine Snyder, [email protected], (714) 830-5192
Sales: Natalie Buxton, Sales Director, [email protected], (281) 534-9750

How they describe themselves: Finovera makes it easy for households to automatically receive, organize and manage bills, financial statements and important family documents in one place safely and securely. The startup’s SaaS app lets users link their bank, credit cards, brokerages, utilities and other online accounts for automatic downloads of statements every month. Users get alerts when bills are due and action is required. Users can also see original PDF versions of bills and financial statements, connect to bank or biller websites for payment, and archive documents in a digital filing cabinet. Accounts that don’t have online access can be manually entered and managed. Users can also upload and store important family documents such as tax records, insurance policies, birth certificates, drivers licenses, major purchases and receipts.

How they describe their product/innovation: The average American household is overwhelmed by more than 20+ service provider relationships that require managing dozens of web accounts and passwords. Families are busy, and it’s very easy to miss deadlines and due dates, incur finance charges and hurt your credit rating. Despite the widespread availability of paperless bills, statements and many documents, digitization of household information management has still not taken off – primarily because there hasn’t been any service that was effortless and convenient.

Finovera does all of the work for busy families. Our mission is to bring order to this chaos by automatically downloading and organizing bills and financial statements every month in a secure digital filing cabinet. Using mobile cameras or scanners, consumers can store documents in the cloud. The service reminds users when bills are due, and a one-click ‘Pay Now’ button automatically logs them in to their online accounts on external websites so bills can be paid quickly and conveniently.

Contacts:

Bus. Dev.: Purna Pareek, CEO, [email protected]
Press: Preeti Ray, Senior Product Manager, [email protected]

How they describe themselves: Fiserv (NASDAQ: FISV) is a leading global provider of information management and electronic commerce systems for the financial services industry. Fiserv drives innovations that transform experiences for more than 16,000 clients worldwide, delivering technology solutions in five areas of competence: Payments, Processing Services, Risk & Compliance, Customer & Channel Management and Insights & Optimization. Fiserv leverages its collective strengths and a unique perspective gained from working with thousands of financial institutions worldwide – all of which we channel into helping our clients navigate the complexities and opportunities of this era of Digital Transformation.

How they describe their product/innovation: Fiserv understands that convenience and supporting user preference are keys to increased adoption and usage of digital payments. Our innovation seamlessly blends a variety of information input modes in our mobile banking application, Mobiliti Enterprise. Using our applications, users can choose from traditional keypad and screen touch interaction, image capture and OCR, or voice-driven commands and inputs to make payments. And a key feature is that users can effortlessly switch modes at any time, whenever they want – even in the middle of a transaction.

Contacts:

Bus. Dev.: Kelly Rodriguez, Director of Business Development, [email protected],
(678) 375-1095
Press: Steve Shaw, VP Strategic Marketing, [email protected], (503) 805-6726
Sales: Rob Killoran, VP Sales eBanking, [email protected], (925) 937-4611

How they describe themselves: Handpoint specializes in payments on smartphones, tablets, and handhelds – enabling merchants to accept all card payments (MSR, EMV, and NFC) in a totally secure way. Handpoint has a unique API offering for EMV payments on smartphones and tablets for 3rd party applications. Handpoint also offers white-labeled mobile payment solutions to acquiring banks and MNOs enabling them to compete directly with the likes of Square and Intuit but with their own secure and future proof mobile POS solution (EMV/NFC).

How they describe their product/innovation: The US is moving to EMV (Chip & PIN) no later than 2015 with a push from all the major card schemes. This means the biggest overhaul of payment infrastructure since the introduction of the plastic card, including the new and popular mobile dongles.

Handpoint is introducing the world’s first hybrid solution for smartphones and tablets combining a chip reader and a magstripe reader in the same unit. Full point-to-point encryption makes sure the solution is as secure as possible in today’s payment market. The Handpoint solution is future proof and enables merchants to benefit from the card schemes PCI incentives.

Contacts:

Bus. Dev.: David Gudjonsson, CEO, +44(0)1223 597 909
Press: Erla Osk Asgeirsdottir, Marketing Manager, +354 510 3300
Sales: Thordur Heidar Thorarinsson, CFO, +354 510 3300

How they describe themselves: Since 1984, Access has created high-impact loyalty and incentive programs for organizations seeking to increase revenue and strengthen their connection to the people they serve. Access offers a full spectrum of custom solutions centered on North America’s largest merchant-funded savings network, which is comprised of over 290,000 retailers providing discounts of up to 50% on everyday products and services.

How they describe their product/innovation: Access is proud to debut PowerDeals, a micro-redemption rewards engine that increases engagement and loyalty while lowering the cost per point for financial institutions. Studies show that the more frequently consumers transact with rewards programs, the more loyal they become. However, the costs associated with driving this behavior have led many FIs to implement lower earn rates, higher redemption hurdles, and expiration strategies. PowerDeals allows consumers to redeem their loyalty currency for deals at thousands of in-store and online merchants for a fraction of the face value. By presenting highly attractive, relevant offers with low redemption hurdles, PowerDeals produces more transactions – thereby boosting the program’s impact on loyalty – while the low cost per offer to administrators can help to dramatically reduce program costs and accrual liability.

Contacts:

Bus. Dev.: Kelly Passey, EVP Business and Product Development, [email protected], 801-656-1546
Press: Brandon Carter, Marketing Communications Manager, [email protected], 801-656-1460
Sales: Dave Cook, VP of Corporate Sales, [email protected], 801-954-2136

How they describe themselves: eDeposit is reinventing the way businesses interact with their customers. eDeposit improves client profitability and customer experience through its real-time payment network. Our patented technology permits buyers and sellers to say, “Show me the money!” and actually see the funds on hold via our unique virtual account platform. eDeposit provides the assurance of good funds and real-time settlement for businesses managing one-time and recurring transactions.

How they describe their product/innovation: Thousands of businesses seek new payment applications to reduce risk, increase profitability and transform the user experience. eDeposit will demonstrate how its patented technology displaces legacy payment methods with simple web and mobile-integrated solutions. eDeposit sellers say, “Show me the money!” and see funds earmarked before they ship, manufacture, lease, or distribute goods and services. Buyers love the speed, flexibility and control of eDeposit. Our demo shows eDeposit’s unique buyer authorization model, with real-time settlement and reduced risk in B2B, B2C and P2P transactions.

Contacts:

Bus. Dev.: Bob Craig, CEO, [email protected], 202-251-8667
Press: Dan Thomas, CMO, [email protected], 301-928-0622
Sales: Neil Williams, EVP, [email protected], 817-821-7184