How they describe themselves: Entrepreneurial Finance Lab (EFL) uses psychometric principles and other non-traditional data to provide credit scores for thin-and no-file small business owners in emerging markets. EFL generates highly personalized credit scores by statistically relating entrepreneurial qualities such as intellect, business acumen, ethics, and attitudes and beliefs to credit screening. EFL empowers financial institutions with the clarity and confidence they need to decrease their reliance on retrospective financial metrics, while carefully controlling risk, in order to approve clients that they may have otherwise rejected due to incomplete credit histories. Among its partners, EFL has increased loan portfolios by over 100% and when integrated into existing lending processes, decreased defaults by over 40%. EFL has partners in Africa, Latin America, and South Asia. EFL was developed at the Harvard Kennedy School and became an independent company in 2010 with offices worldwide.

How they describe their product/innovation: The EFL Credit Scoring Tool is a credit scoring and management platform that seamlessly integrates into and expedites existing bank lending processes. EFL’s 45-minute credit application can be taken on a PC or mobile tablet device at a bank branch or in the field. The completed application is processed by EFL within 30 minutes into a 3-digit credit score. The EFL Score is posted on EFL’s Web Suite, allowing the credit team to simply log on to approve or deny the loan. EFL’s Web Suite offers a 365-view of the applicant and loan portfolio, allowing the bank to track loan approvals and disbursements, measure turn-around-times, arrears data, review applicant GPS, photos and biometrics and much more by branch and region. The EFL Credit Scoring Tool provides the simplicity, speed, and insight needed to make informed credit decisions that lead to higher growth and lower risk in information scarce markets.

Contacts:

Bus. Dev. & Sales: Emily Silberstein, Bus. Dev. Manager, [email protected]
Press: Penelope Silva, Communications Manager, [email protected]

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

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.: Lance Robinson, VP Asia Pacific, [email protected]
Press: Alexander Grinberg, Founder & EVP, [email protected]
Sales: Lance Robinson, VP Asia Pacific, [email protected];
Mark Matthews, VP EMEA, [email protected]

How they describe themselves: In 1996, Figlo was founded in the Netherlands with the goal to make the personal financial future of individuals insightful and understandable. Figlo delivers state of the art software that supports financial awareness on a consumer level. The platform supports powerful and comprehensible financial planning on short, mid, and long-term goals, delivered in an integrated solution for Personal Finance Management, Financial Product Advice, and Financial Planning. Currently our Figlo Platform is delivered to all continents of the world, locally adapted to be fully compliant with all laws and regulations. We have partners in Europe, North America, Brazil, India, Southeast Asia & the Pacific region (Tech Inject), and South Africa.

How they describe their product/innovation: A complete solution to gain insight in financial matters at a consumer level. The Figlo consumer portal makes financial planning accessible for everyone on any device. The portal increases customer engagement and can be used as an onboarding tool. It is based on widgets and exposes the Figlo functionalities using a system in which content is displayed onscreen during editing (WYSIWYG editor). The drag and drop system enables a quick time to market. By integrating these widgets into social media, the fun factor of financial planning is guaranteed. Get engaged with your customer using this portal.

Contacts:

Bus. Dev. & Sales: Stu Garrow, CEO, Tech Inject, [email protected], +65 9660 8471
Press: Ellen van Beek, Manager Corporate Communications, [email protected]

How they describe themselves: Finantix supports the sales and service interactions of retail banks, insurers and wealth managers. Finantix solutions boost the performance of customer-facing employees and provide customers with engaging experiences. They are used in the retail, affluent and private banking segment. The software runs on PCs, iPads and other mobile devices.

The Finantix architecture is designed for multi-channel, multi-device delivery. Robust and flexible technology makes customisation and integration easy. The company operates worldwide and has clients in more than 25 countries.

How they describe their product/innovation: Finantix Sharp is a multi-channel platform for digital banking that introduces a new and exciting approach to customer interactions. Sales and service processes are made engaging, effective and paperless by applying user-friendly interfaces, gameful simulators, social and multimedia content, and natural language commands. Special focus is devoted to smooth collaboration of customers, banks and third parties in helping customers address their financial needs and reach their goals.

Contacts:

Bus. Dev. & Press: Alessandro Tonchia, [email protected]
Sales: Mark Cutts, [email protected]

How they describe themselves: Fiserv is the world’s most successful provider of digital banking and digital payment solutions, exclusively focused on the banking sector. It has operations in every continent including a substantial team serving Asia from Singapore.

How they describe their product/innovation: Mobiliti from Fiserv is the world’s most deployed mobile banking and payments platform. Mobiliti Reach aims to make financial services simultaneously available to banked and unbanked consumers alike in emerging and fast-growing markets. It includes a comprehensive payments engine to enable person-to-person payments, bill presentment and payments, and top up and merchant payments.

Contacts:

Bus. Dev.: Serge van Dam, VP Mobile Solutions, [email protected], +64 4 889 2662
Press: Julie Smith, Corporate Communications, [email protected], (o) 412-577-3341, (m) 412-225-3182
Sales: Andrew Parker, Business Development Manager, Mobile Solutions, [email protected], +61 2 8003 5787

How they describe themselves: Heckyl was founded in December 2010 by Abhijit Vedak, Jaison Mathews, Mukund Mudras, and Som Sagar. Heckyl provides real-time financial information, news analytics, trend matrix, and heat maps for exclusive coverage of markets, companies, and businesses. Heckyl considers the entire web to be its local database and uses its proprietary technology to ferret out the best sources of information that matter most to you and your investments. We cover currency, commodities, over 25,000 publicly listed companies, a few hundred private companies and start-ups, along with the world’s top private equity players, hedge funds, fund managers, and venture capital firms.

How they describe their product/innovation: Heckyl is a real-time financial information platform connecting brokerages and traders. Heckyl provides real-time news analytics and sentiment mining dashboards that collect information from millions of trusted sources, including government websites, company filings, patent offices, high courts, twitter, etc.

Heckyl FIND’s dashboard is integrated with brokerages’ trading terminals. This makes trading terminals immensely powerful as traders have access to real-time news analytics, sentiments, research ideas, economic events, rating updates, and results that are directly streamed into the trading terminals.

Contacts:

Bus. Dev., Press & Sales: Mukund Mudras, Co-Founder, [email protected], +919820492912; Som Sagar, Co-Founder, [email protected], +919960167666

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