Crysp helps leverage sensors built into mobile devices to invisibly authenticate users. Crysp provides APIs that enable real-time verification of users’ context and how they enter their credentials, such as their touch pressure and size, typing rhythm, swipe velocity, etc. Developers of mobile applications can use Crysp APIs to strengthen or replace passwords in their authentication flow, as well as to streamline the process for account recovery.
Presentation
Smart authentication for mobile banking and payments
The presentation will describe ways to leverage sensors in mobile devices to authenticate users and detect fraud. It will outline practical solutions to increase the security of existing passwords and PINs, simplify the password reset process and eventually eliminate passwords. The presentation will include demos, case studies and a step-by-step tutorial for integrating Crysp SDKs with mobile apps.
What You’ll Learn
- How sensors built into mobile devices can be used to improve security
- What the options are to reduce reliance on passwords and eventually eliminate them
- How existing account recovery methods can be improved
Presenters
Anand Desai, CEO
Kumar Viswanath, CTO
Develop and automate your product with the Currency Cloud Payment Engine to benefit from real time wholesale rates and a fast, secure payment network. Tailor to your business using our next generation API.
Presentation
Currency Cloud API Re-Build
The Currency Cloud tech team is giving the audience an insider’s perspective on how they re-built the company’s market leading API. They will cover the trade-offs between conventions, customer feedback and usability that take the creation of an API from the textbook to real life. They are also talking through the innovative processes that they employed to ensure that the new API was exceptionally easy to use from the outset.
What You’ll Learn
- Trade offs between reality and theory when building an API
- Real world ‘drinking your own champagne’
- Exposing your APIs in an open source environment
Presenters
Rachel Nienaber, VP Engineering
uk.linkedin.com/in/rachelswailes | [email protected] | +44 20 3597 4884
Rachel is responsible for the ongoing development of Currency Cloud technology and support for client needs. Fluent in Ruby and Java, her knowledge of ever-evolving standards, passion for technology and experience in scaling products makes her a critical asset for Currency Cloud in today’s global economy.
Liam McAndrew, Development Manager
uk.linkedin.com/pub/liam-mcandrew/13/aa8/213 | @liam_mcandrew | [email protected] | +44 77 1912 9392
Liam McAndrew is Development Manager at Currency Cloud. Having been with the company since its inception, he has played a key role in building the technology that is currently transacting over $10B a year. He is fascinated by the emergence of crypto-currencies and blockchain technology.
Deluxe Corporation is a changing, evolving, growing company. Strategic acquisitions have created a unique suite of services helping businesses and financial institutions attract and retain customers, including marketing services and payment solutions. Creativity, innovation and entrepreneurial spirit combined with the resources and strength of a well-established company creates a culture expected at a start-up rather than a Fortune 1000 company. Our customer base includes nearly 4.6 million businesses, approximately 5,600 financial institutions, and 6 million individual customers. The eCheck is cutting-edge technology combining the best of check writing with the convenience of email, giving businesses a fast, easy payment solution.
Presentation
eChecks: The Electronically-Delivered Checks
Financial institutions process 20 billion paper checks worth $30 trillion every year in the U.S. alone. Deluxe eChecks combines the best of check writing with the convenience and speed of email delivery. We’ll explain exactly how eChecks technology works, including the abilities to integrate remittance data as well as securely send thousands of payments at one time, and how you can easily leverage them in your application to send/receive payments without paying transaction fees.
What You’ll Learn
- How the oldest form of non-cash payment, the check, has been modernized
- How to easily leverage eChecks into your application to send/receive hundreds to thousands of dollars in payments at once
- Why and how to use eChecks in your application
Presenters
Dean Tribble, VP ePayment Product Engineering & Development
linkedin.com/in/deantribble
Mr. Tribble has been innovating in technology for 30+ years, including asynchronous Promises before the Internet, hypertext technologies the led to the URL before the Web, and information marketplaces before eBay. He was CTO and founder of Agorics, Inc. His teams architected the first Java-based client-server brokerage information system for Schwab, the first electronic check service for the FSTC, and an enterprise-wide application and infrastructure security system for Sun Microsystems. He invented secure email technology for business that was acquired by Microsoft, where Mr. Tribble then led development of security and compliance features for Microsoft Exchange. As a Principal Architect, he participated in security and operating system incubation work that led, for example, to new asynchronous features such as “awaits” in C#. Mr. Dean Tribble co-invented the eCheck service as a founder and CTO of VerifyValid and now continues to lead that development as the VP of ePayment Product Engineering and Development at Deluxe.
Since 1995, Enterprise Engineering (EEI) has provided strategic technology services such as enterprise data management, data architecture and governance, big data, business intelligence and systems integration. Our software products are proven and trusted by the world’s largest wealth managers (front ending assets under management well in excess of seven trillion dollars). Therefore, EEI can provide deep expertise and insight delivered through services and software solutions. EEI focuses on the total picture to ensure that all aspects – people, process and technology are addressed in a holistic manner.
Presentation
I Want Access to My Own Data and I Want It Now!
EEI will be presenting its Trusted Network Platform, which is our advanced data aggregation and management software. The Trusted Network consists of both a core engine and an API. This technology drives innovation across industries enabling clients to offer leading products and services to the market along with gaining insight from the information that is available. The initial industry focus is Wealth Management given EEI’s extensive knowledge in this area and the leverage that consolidated data can provide to wealth managers.
What You’ll Learn
- EEI’s platform provides connectivity and acquisition of data through a direct connection to data sources.
- EEI’s platform is “trusted.” It does not utilize screen scraping and addresses the risk, accuracy, consistency and timeliness issues.
- The Trusted Network provides a secure platform that harnesses the power of many sources of data in the power of one consistent source of data.
Presenters
Jack Cassaro, SVP, Software Products
linkedin.com/pub/jack-cassaro/4/603/373 | [email protected]
Jack Cassaro, a leader in several key financial services technology consortiums, has spent his entire career in Fintech. Jack brings extensive experience to EEI. His leadership and innovative approach have driven significant growth in EEI’s data aggregation and intelligence solutions.
Arthur Wasson, SVP, Global Treasury Management, Square 1 Bank
linkedin.com/pub/arthur-wasson/0/21a/931 | [email protected]
Art Wasson leads Square 1’s Global Treasury Management products and services, including deposits, treasury services, credit cards, foreign exchange and letters of credit. He is an innovative leader with a successful background in strategic planning, product management and business development.
How they describe themselves: BehavioSec transforms behavior into a transparent additional layer of security by monitoring in real time the way users interact with their devices. BehavioSec’s technology recognizes if a conflicting user is operating a device by monitoring the environment, rhythms, and interaction patterns that are unique to each user. The solution is designed to enhance security without impacting the user experience. It is currently deployed at over 20 retail banks protecting over 11M users and over 500M transactions per year. Find out more at behaviosec.com.
How they describe their product/innovation: We are revealing our new on Demand service. We have extended the proven and tested technology from the BehavioSec’s large banking installation of behavioral biometrics that work as an additional layer of security and implemented it as a transaction based service in the cloud. This helps organisations that need better control of who is accessing their service and that suffer from fraudsters compromising the integrity of companies and individuals.
Product distribution strategy: Direct to Business (B2B), through financial institutions, through other fintech companies and platforms
Contacts:
Bus. Dev.: Olov Renberg, COO, [email protected]
Sales: Gareth Legget, Sales Director, [email protected]
How they describe themselves: The banking system we have today is inaccessible by a large portion of the world’s population. ArcBit plans to lever Bitcoin and Blockchain technology to bank the unbanked. ArcBit provides you with the software applications you need to connect to the global economy with the cryptocurrency Bitcoin. On top of the ArcBit Wallet platform we’ve built, we aim to provide a truly global peer to peer lending service that transcends borders.
How they describe their product/innovation: Your bank in your pocket, and your money safely in your control, that’s the way banking should be. ArcBit Wallet is a mobile application that gives you full control over your bitcoins. With the ArcBit Wallet, you can send and receive bitcoins from anywhere in the world to anywhere in the world. It is basically a bank in your pocket.
Product distribution strategy: Direct to Consumer (B2C)
Contacts:
Bus. Dev.: Tim Lee, Founder, [email protected]
How they describe themselves: Dynamics was founded and seeded in 2007 by Jeff Mullen, CEO and President. Dynamics produces and manufactures intelligent powered cards, such as advanced payment cards, and is focused on introducing fast-cycle and market-leading innovation to top card issuers.
How they describe their product/innovation: The company’s commercial applications are the world’s first fully card-programmable payment interfaces (stripe, EMV, NFC) for use in next-generation payment cards.
Product distribution strategy: Direct to Business (B2B), through financial institutions
Contacts:
Bus. Dev.: [email protected]
Press: [email protected]
Sales: Jason Dyro, EVP & Head of Payments, [email protected] & Michael Gerome, VP Bus. Dev., [email protected]
How they describe themselves: Big Data Scoring is the leading big data credit scoring solutions provider. We help lenders harness big data to make better credit decisions. There is a ton of information about all of us on the Internet, but none of that is used in credit scoring today. We have put this data to work.
How they describe their product/innovation: Our big data underwriting models have been used and tested for years and show on average 25% improvement in scoring accuracy over the current best in class scoring models. For a lender, this translates directly into better credit quality and more clients. The solution can be easily integrated into any platform and the benefits are immediate. We also offer a risk free testing opportunity.
Product distribution strategy: Direct to Business (B2B), licensed
Contacts:
Bus. Dev. & Press: Erki Kert, CEO, [email protected], +372 5680 0458
Sales: Meelis Kosk, Head of Sales, [email protected], +372 5373 6395
How they describe themselves: D3 Banking’s innovative, data driven digital banking services free FIs from the constraints of legacy FinTech providers allowing banks and credit unions to make proactive, responsive, and relevant decisions that address customer needs. D3 Banking’s comprehensive digital platform replaces siloed, point solutions with a consistent user experience in a transactional environment. This approach, combined with intuitive design and powerful analytics, drives deeper relationships with the customers of banks and credit unions. D3 Banking offers on premise and SaaS-based solutions for FIs with 100,000+ digital users.
How they describe their product/innovation: D3 Small Business Banking allows FIs to provide business owners access to the basic financial tools from any digital device. Using transactional analysis, D3 Small Business Banking automatically generates pre-formatted cash flow and income statements, provides budgets based on either a three-month average by category and/or manually inputted data from the end user, and creates reports that provide current and time-over-time analysis of both expense and income categories. In addition, D3 Small Business Banking includes a robust user management and dual approval system with alerting capabilities that work with any digital device, including wearables such as the Apple Watch.
Product distribution strategy: Direct to Business (B2B)
Contacts:
Bus. Dev.: Jeff Hale, CBDO
Press: Michael Carter, CMO
How they describe themselves: The Bleu Network will be a core asset in the future of a connected body, home, city, business, and industry. Bleu’s vision is to change the payment experience and create a new platform for mobile transactions. Very soon the Internet will be in everything, everywhere, all the time. It’s a smart world and Bleu is at the forefront of providing smart financial solutions in the Internet of things.
How they describe their product/innovation: Bleu facilitates mobile transactions utilizing Bluetooth low energy beacons. A beacon is a tiny wireless device that sends a Bluetooth signal to a customer’s Bleu app when they enter a store. The beacon connects the customer to the store and when the customer is ready to pay, they select their form of payment and the transaction is automatically completed. Bleu has patented a mobile transaction process using Bluetooth low energy beacons, and developed a proprietary mobile point of sale and consumer application. This fully integrated solution conducts transactions from any registered payment instrument.
Product distribution strategy: Direct to Consumer (B2C), Direct to Business (B2B), through financial institutions, through other fintech companies and platforms
Contacts:
Bus. Dev.: Sesie K. Bonsi, CEO & Founder, [email protected] & Brett Howell, VP Bus. Dev., [email protected]
Press: [email protected]
Sales: Brett Howell, VP Bus. Dev., [email protected]
How they describe themselves: Formally known as Merchant Cash and Capital, Bizfi consists of three synergistic product silos integrated across a dynamic, technology-actuated B2B platform. Bizfi’s aggregation silo comprises third party brokers, channel partners, and its direct sales force. The funding silo provides merchant cash advances and small business loans. The marketplace silo offers a participation market for institutional investors. Bizfi’s proprietary marketplace and funding technologies have provided more than $1.3B in financing to 26,000 small businesses in a wide variety of industries across the United States since 2005. Bizfi is the only alternative finance company to combine both aggregation and funding on one platform.
How they describe their product/innovation: At FinovateFall, Bizfi will be highlighting its aggregation silo, which the company is now making available to partners as a white-label or co-branded solution. Bizfi’s aggregation platform enables sales offices and/or partners to maximize lead monetization, while taking advantage of economies of scale and scope, powered by data science and technology. The proprietary technology behind the aggregation silo is further supported by strategic relationships with more than 35 funding partners. For potential customers, the presence of the aggregation silo translates into greater choice, efficiency, and convenience.
Product distribution strategy: Direct to Business (B2B), through financial institutions, through other fintech companies and platforms
Contacts:
Bus. Dev. & Sales: Walt Levengood, Chief Strategy Officer, [email protected] &
Stephen Sheinbaum, Founder, [email protected]
Press: Danielle DeVoren, [email protected]
How they describe themselves: Avoka delivers a digital commerce platform for frictionless sales and service. We solve the “buy” problem for Banks, Insurers, Health Care, Education, Government and many other industries where traditional “shopping cart” digital commerce solutions do not fit. Solutions include account opening, applying for a credit card or loan, submitting an insurance claim, or enrolling for an investment account. Founded in 2002, our customers include some of the largest Banks and Government agencies in the world with over 16,000 sales and service transaction projects completed and upward of 100M global business critical customer transactions completed each year.
How they describe their product/innovation: For banks, credit unions, and wealth managers, Avoka’s digital commerce platform improves customer acquisition and reduces abandonment. Avoka Transact Bundles being demonstrated at FinovateFall is a CODE FREE way of delivering an experience that allows a customer to apply for one product and seamlessly onboard into additional products such as deposit, loan, or card offerings. With Avoka Transact Bundles, you can design the experience your customer wants, independent of the limitations of your core systems and rapidly increase cross-sell rates.
Product distribution strategy: Direct to Business (B2B)
Contacts:
Bus. Dev., Press, & Sales: Don Bergal, CMO, [email protected]
