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

How they describe themselves: edo is transforming shopping and saving by delivering the simplest solution to personalized offers that are automatically available on consumers’ credit & debit cards & mobile devices. Through its card-linked offer platform, edo Marketplace, edo brings unique insight and clarity into consumer spending behavior — helping marketers and merchants increase loyalty and target new customers with instantly redeemable discounts tailored to their customers’ shopping habits. For more information, visit www.edointeractive.com.

How they describe their product/innovation: Following FinovateSpring 2011 where edo unveiled the world’s first ever real-time redemption of a card-linked offer, we’re returning in 2012 to take the next step forward in our vision to transform shopping & saving. The innovation we’ll demo – the ability for a purchase at one merchant to trigger the awarding of an offer to a second, nearby merchant in real-time – shifts the focus of mobile advertising from “check-in” to “check-out.” Introducing “GeoCommerce” by edo, the next wave of innovation in the card-linked offers space.

Contacts:

Bus. Dev. & Sales: Lisa McGinty, VP Strategic Partnerships, [email protected],
615-297-6080 x162
Press: Jeff Fagel, VP Marketing & Brand Development, [email protected],
312-239-3269 x421

How they describe themselves: Expense reports that don’t suck! Import expenses and receipts from your credit cards and mobile phones, submit expense reports through email, reimburse everything online using QuickBooks and direct deposit.

How they describe their product/innovation: Expensify Trips! Forward your travel itineraries to [email protected] and let SmartScan pull out the details for fast access inside the Expensify mobile app (iPhone, Android, BlackBerry, Windows Phone).  Includes everything you’d expect – streamlined presentation, offline access, flight reminders, etc.  But since travel itineraries are also travel receipts, this means you’re halfway done with your expense report before you even get started: create your whole report in one click after you land, receipts and all.  After all, travel itineraries are just expense reports waiting to be submitted, so why not kill two birds with one stone?  Expensify Trips is one more way Expensify gets a little better (or in this case – a lot better), every day.  Free to sign up, free to use, and lots of premium goodies on top.  We’d love to have you, or write me at [email protected] if you want to learn more!

Contacts:

Bus. Dev.: David Barrett, Founder and CEO, [email protected]

How they describe themselves: Experian is a leader in providing data and predictive insights for businesses, helping them mitigate risk and improve profitability. The company’s business database provides comprehensive, third-party-verified information on 99.9 percent of all U.S. companies, with the industry’s most extensive data on the broad spectrum of small and mid-sized businesses.

How they describe their product/innovation: BusinessIQ Express is an online tool that enables business owners and principals to quickly and easily make smart, informed decisions:

• Evaluate prospects, customers, suppliers, & partners on their likelihood to pay or deliver on time
• Monitor businesses with alerts and notifications to maintain positive relationships
• Collect outstanding debts and avoid future losses
• View and contribute community business ratings and comments
• Learn from tutorial videos, tool tips, and support

All these features utilize the most comprehensive and trusted financial information on U.S. small businesses — all in one complete, simple package for one compelling price.

Keep the cash flowing with BusinessIQExpress.com.

Contacts:

Press: Roslyn Whitehurst, Senior Manager, Experian Public Relations, [email protected], 714-830-5578
Sales: Talk to a live representative: 1-800-723-6948

How they describe themselves: Flint is creating a new way of doing business for tens of millions of on-the-go small businesses. Flint’s platform brings together an unmatched duo of easy mobile credit card payments and online word of mouth marketing. Our offering addresses the core payment and customer acquisition needs of local service businesses, which are underserved by existing solutions. This sector accounts for approximately $1 trillion in U.S. commerce and is growing rapidly.

Flint eliminates current usage barriers and creates powerful incentives for small mobile businesses to “go digital” as their primary mode of operation.

How they describe their product/innovation: Flint is introducing its first product offering.  We will be demoing our end-to-end service that seamlessly integrates easy mobile payments with word of mouth marketing through the biggest social networks.

Contacts:

Bus. Dev. & Sales: Greg Goldfarb, CEO & Co-Founder, [email protected], 650-430-5757
Press: Matt McAllister, Fluid PR, [email protected], 510-229-9707

How they describe themselves: FutureAdvisor is your online investment advisor: A free web application that looks at your whole portfolio, including 401(k) accounts, and makes step-by-step recommendations to save on hidden fees, increase tax efficiency, and better diversify.

FutureAdvisor even takes into account the limited plan options available in your employers’ 401(k) plan, and makes recommendations specific to those available options. Currently, over 100 of the largest 401(k) plans in the United States are supported, with more being added everyday.

Before, financial advice was only for the wealthy. With FutureAdvisor, high quality unbiased advice is now available for everyone.

How they describe their product/innovation: FutureAdvisor is demoing FutureAdvisor 401(k) Advice, which supports more than 100 of the largest 401(k) plans in the country. With company-specific data about which 401(k) Plans have which specific investment options, FutureAdvisor is able to algorithmically give step-by-step investment advice to investors that takes into account their investment goals, their existing investments elsewhere, and their 401(k)’s limited plan options.

Though other companies have tried to tackle the problem of advising users on their IRA or taxable accounts, no free web service has been available to give specific actionable advice on investors’ 401(k) accounts because of the complexity involved, until now.

With FutureAdvisor’s step-by-step advice that takes an investor’s 401(k) and other accounts holistically into consideration, investors will be able to save on hidden fund fees, better diversify, and improve their tax efficiency.

Contacts:

Bus. Dev. & Press: Bo Lu, Co-Founder, [email protected]

How they describe themselves: Giftly is revolutionizing gift giving by inventing the future of the gift card. Giftly makes it easy to give a gift card to any store or restaurant in the United States, right from your computer or mobile phone.

Giftly’s innovative work in payments, mobile user experience, and design yields a simple way to treat someone you care about to something you think they’d love, whether it’s a cupcake, an iPad, or a wine tasting.

Our goal: Make it easy to give the people you care about thoughtful, timely, fun gifts that amplify what people love about gift cards and eliminate what they don’t.

How they describe their product/innovation: Our innovation is that we’ve created a gift card that doesn’t require merchant participation or point of sale integration, allowing us to focus on the consumer experience. Giftly does this by turning a person’s credit or debit card into a gift card.

With that innovation, we’ve made an iPhone app that makes giving a gift fun and easy. It’s been designed to be social, simple, and create great moments of serendipity between friends. Thanks to Facebook, Foursquare, and smart iOS integration, you can send a friend a nice birthday gift or give a drink to a friend when they check in at a bar within moments. To use a Giftly, you simply pay with your credit card and confirm redemption on your smartphone.

In this demo, we’ll show how Giftly makes it easy to keep up with the people you care about and send awesome gifts at just the right moment.

Contacts:

Bus. Dev. & Sales: Dan Kimerling, COO, [email protected], 732-910-4462
Press: Tim Bentley, Founder & CEO, [email protected], 917-475-6517