How they describe themselves: We help banks get online faster by delivering a complete, customer-centric, omni-channel digital banking solution that drastically differentiates banks from the competition. Our out-of-the-box digital bank helps banks and CUs revitalize their customers’ digital interactions, drastically increasing the stickiness of their relationships with their customers. At the same time we put FIs back in control over their digital strategy with our Visual Editor and API layer.

Industry analysts Gartner, Forrester, and Ovum recognize Backbase as a leader in terms of customer experience, omni-channel, and time to value. Backbase powers numerous global institutions, including ABN AMRO, Nationwide, Barclays, Fidelity, and ING.

How they describe their product/innovation: Backbase is launching the latest version of the Backbase Customer Experience Platform at FinovateEurope 2015, with a strong focus on the omni-channel customer journey and journey management. Completely new in this release of Backbase CXP is the Backbase Omni-Channel Journey Manager, giving direct insight in the multiple touch points in a customer’s typical journey, with the option to directly dive in and fix inconsistencies.

A lot of digital banking providers and software vendors talk omni-channel. We make it real and visible. With the new Backbase Journey Manager, we give Channel Managers at Financial Institutions direct insight into how multiple channels are being used and where the most common handover points are (the moments of truth).

Product distribution strategy: Direct to Business (B2B), through financial institutions, through other fintech companies and platforms

Contacts:

Press: Jelmer de Jong, [email protected]
Sales: Pete Atkinson, [email protected]

How they describe themselves: Avoka transforms legacy paper, PDF, and web forms into multi-channel digital engagement applications for credit cards, personal loans, or government services, which increases sales, drives customer acquisition, and improves customer experience. Customers gain competitive advantage and embrace the movement to digital through responsive design, data collection and analysis, integration with systems of record, and the business agility modern customers demand. Avoka delivers a proven track record with financial services and government organizations including more than 12 years managing digital sales and service transactions and upward of 100M global business-critical customer transactions completed each year.

How they describe their product/innovation: The 3-Minute Loan Application: Fastest Onboarding Experience in the World

Product and pricing are not differentiators in financial services – customer experience is. In particular, frictionless customer experiences have been proven effective for attracting and retaining customers. Avoka helped a client go from 36% conversion rate for personal loan applications to 51% in just 4 weeks by focusing on delivering a frictionless experience for the customer. Because online, seconds matter.

We are demonstrating how combining social, cloud services, and crowd sourcing to streamline account opening and credit origination minimises customer effort and takes the friction out of customer acquisition.

Product distribution strategy: Direct to Business (B2B), through other fintech companies and platforms

Contacts:

Bus. Dev.: Richard Austen, General Manager – Europe, +44 7 775 921 619
Press: Reid Hislop, Chief Marketing Officer, +1 5 185 775 884
Sales: Steven Moore, Senior Sales Executive, +44 7 415 383 933

How they describe themselves: Akamai® is a leading provider of cloud services for delivering, optimising, and securing online content and business applications. To thrive in the faster forward world, banking, insurance, asset management, brokerage, payments, and financial exchanges need to meet customer demand for instant, secure, reliable online access to all content and services – on any device, anywhere in the world. Over 100 banks worldwide trust Akamai to help them meet performance and security challenges and capture new opportunities in cloud computing and mobile delivery.

How they describe their product/innovation: The Akamai Client Reputation service is designed to help financial services institutions improve their security decisions when the threat would otherwise be unclear. The service provides the ability to forecast intent and protect applications against Distributed Denial of Service and application layer attacks. It does this by identifying and sharing with customers the likelihood that particular IP Addresses fall into one of four “malicious” categories: web attackers, Denial of Service attackers, web scrapers, and scanning tools.

Product distribution strategy: Direct to Business (B2B)

Contacts:

Bus. Dev., Press & Sales: Andrea Snagg, Senior Regional Marketing Manager, UK&I, [email protected]

How they describe themselves: AlphaPoint is the leading financial technology exchange platform provider to support digital currencies. The company powers some of the top bitcoin and altcoin currency exchanges in the world, and is faster than traditional exchanges, with the ability to process nearly 1M transactions per second. AlphaPoint currently processes more than $350M in monthly trading volume, with close to 20 digital currency exchanges operating in 15 countries.

By easing the adoption of digital currencies, AlphaPoint’s secure, scalable, and customizable platform is helping change how businesses and consumers transact. AlphaPoint has offices in New York City, Philadelphia, and San Francisco. For more information, visit alphapoint.com.

How they describe their product/innovation: AlphaPoint’s exchange platform is leveraged by institutional and retail exchanges globally, powering their digital currency exchanges. The company’s proprietary platform also serves as a digital exchange gateway for organizations looking to upgrade their existing systems to digital currencies. AlphaPoint offers 24-hour run-time capabilities and provides a customizable, scalable, and secure platform. Our database is a next-generation design, built with military-grade security practices.

At FinovateEurope 2015, we are demonstrating a new-and-improved “V2” of our exchange technology platform, which features a redesigned and customizable front end template, new order types, improved scalability, and an even faster processing speed.

Product distribution strategy: Direct to Business (B2B), through financial institutions, through other fintech companies and platforms, licensed

Contacts:

Bus. Dev.: Igor Telyatnikov, VP Operations, [email protected]
Press: Igor Telyatnikov, VP Operations, [email protected]
Sales: Scott Bambacigno, VP Sales, [email protected]

How they describe themselves: Aire is an alternate credit score for people. Our mission is to help thin-file customers qualify for essential financial products via their Aire Score.

Aire is a strong proponent of financial inclusion and we aim to deploy our technology across geographies. Our API will now enable lenders to leverage our score as an input to their decision.

We are a team of serial entrepreneurs with deep experience in predictive algorithms and alternative credit models. This journey started from a personal episode, which motivates us forward.

Backed by TechStars and leading seed-stage investors, Aire has received strong recognition from the media and government for our work. Aire respects data privacy and is completely driven by user consent.

How they describe their product/innovation: Aire is launching its Credit API at FinovateEurope 2015. The API enables lenders to use Aire to perform a credit check when traditional data doesn’t exist in the credit bureaus.

The immediate benefit is the ability to re-score applicants when no data exists on their bureau file. This enables lenders to expand the pool of eligible applicants by removing the no-data problem.

The API can also be used as a credit enhancement amongst other use cases that we are excited to see companies explore. The signup for the API opens at FinovateEurope for our partners.

Product distribution strategy: Direct to Consumer (B2C), Direct to Business (B2B), through financial institutions, through other fintech companies and platforms

Contacts:

Bus. Dev.: Aleks Mjakonkihh, Bus. Dev., [email protected]
Press & Sales: Aneesh Varma, Founder, [email protected]

How they describe themselves:
AdviceGames is a Dutch firm founded in 2013 with a focus on the gamification of financial advice and services to help financial services firms activate consumers. At its core, the firm is building what it describes as the first artificial intelligence financial services platform, combining consumer data, scientific research, and social, location, and transaction data. This enables financial services firms to create behavioral profiles, understand interests and behaviors, and better personalize their customer services.

AdviceGames has a core competence in data-driven software, which the firm develops with a team of in-house data scientists, machine-learning experts, game designers, and developers.

How they describe their product/innovation: The Risk Game teaches the players budgeting and spending more wisely. The starting point is the Financial Health Score (FHS), an index of a consumer’s financial health. The FHS determines the starting level in the game and drives the routing. Players can use their earned points for saving and protecting themselves against unexpected events. Real life comes in when the players receive tips and see their FHS adjusted based on their real behavior in their bank account. The objective of the game is to activate people to better budget and therefore be able to pay their mortgage installments, reducing the risk for the bank.

Product distribution strategy: Through financial institutions, through other fintech companies and platforms, licensed

Contacts:

Bus. Dev. & Sales: Diederick van Thiel, CEO, [email protected]
Press: Rosali Steenkamer, COO, [email protected]

Concur is a leading provider of integrated travel and expense management solutions trusted by over 25,000 clients around the globe, with over 25 million users. The Concur Platform allows developers to develop and market innovative solutions to the lucrative $1.12 trillion business travel market.

Presentation

Numbers, They Don’t Lie . . .
Concur processes more than $55 billion dollars in annual T&E spend for its 25 million customers. In this presentation, Mithun walks through and gave us insight into this spend and tell developers why it’s a great opportunity to tap into this lucrative market.

CopSonic is a French company founded in 2013 specialized in the development and marketing of its sonic and ultrasonic authentication technology. The company is composed out of a strong team of researchers and engineers specialized in security, payment, sonic and ultrasonic authentication protocols. Recently, CopSonic joined the Microsoft Partner Network and became a member of the FIDO Alliance organization.

Presentation

Sonic and Ultrasonic Authentication Solution Working on All Mobile Phones
The CopSonic SDK allows contactless multi-factor authentication based on ultrasounds or sounds. This SDK is the first to introduce an “airgap” with encrypted analog information into the digital circuit. The security level thus achieved by CopSonic reaches current military security levels.

CopSonic is a universal solution working on all feature phones, smart phones, smart watches, tablets, computers, smart devices, internet of things, etc. as long as they are equipped with speakers and/or a microphone. It is operational on all standard GSM networks, on the internet or any other TCP-IP compatible network. The solution requires no change of Telco or of the existing hardware.

CopSonic enables e-commerce, financial and cybersecurity industries to propose a universal and secure solution for strong authentication to all of their customers worldwide. This authentication solution is an alternative to the use of online and/or offline passwords.

PhonicAccess and GateSonic are anti-phishing use cases of this highly secured technology. Also, for the first time, CopSonic enables the use of smart-bracelets as a secure access key.

Avoka is a leading customer experience management company specializing in multi-channel customer transactions. Avoka powers customer engagement applications for banking and insurance organizations worldwide, capturing and delivering business-critical customer transactions into back-office systems.

Presentation

Build an Omni-Channel Account Opening
Avoka demonstrates omni-channel account opening through their engagement platform:

• Responsive & adaptive design
• Cross-over between channels
• Pre-fill from social profiles
• ElectID verification
• Separation of information capture from core systems to facilitate easy cross-sell

Workshop

Build an Omni-Channel Accounting Opening Experience in Under 60 Minutes
Avoka builds an account opening experience in under an hour that:

• Is responsive & adaptive
• Supports cross-over between channels
• Is integrated to social media for pre-fill
• Is integrated to electronic ID verification
• Facilitates cross-sell with loose coupling to core systems

Leaders in frictionless behavioural user verification & authentication. BehavioSec examines how you interact with a website or mobile device to provide a frictionless layer in web fraud prevention.

Presentation

BehavioSec Offers the Most Mature ID System that Uses Behaviour Analytics
BehavioSec presents the latest in real-time security through the ability to monitor the way users interact with their device. By monitoring the environment and interactions such as typing rhythm or mouse patterns, our technology is able to recognize if someone other than the intended user is operating the device. If a security breach is detected, additional security measures can be carried out to prevent fraud and stop identity theft.

• Robust proven technology with more than 10 million active users in 2014
• Scalable with more than 500 million mobile transactions processed
• High performance with more than 20 banks using the service
• Available now for cloud or onsite deployment

Workshop

Real-time Scoring of Behavioural Biometrics via Web Services
Presenting our web & mobile SDK, we are diving deep into the backend services and showing how easy it is to instrument a website or mobile app with frictionless behavioural biometrics to add a new layer of security.

In an interactive session we are demonstrating a number of use cases of both real-time scoring and ‘after the fact’ biometrics forensics. We open up the client SDK to show the APIs, file formats, etc. In parallel, we expose the typical integration points to see the architecture and the power the backend web service APIs offer developers to represent additional transaction security in a way that suits your organization’s business needs.

Bluefin is a leading FinTech company focused on processing, integrating, and securing payments. Bluefin offers P2PE, tokenization, mobile payment SDK’s, payment gateways, merchant accounts, PCI Compliance, transparent redirect, recurring billing, and branded online merchant account enrollment.

Presentation

Bluefin, Point-to-Point Encryption (P2PE)
Bluefin is the first validated Point-to-Point Encryption (P2PE) Solution listed by the PCI Security Standards Council, North America. P2PE can reduce the scope of card data environment and related PCI requirements. Your software doesn’t need to be PCI Compliant if card data is encrypted using P2PE.

Contacts

Ruston Miles, Chief of Product Innovation: [email protected], 918-236-2840
Tim Barnett, Chief of Technology: [email protected], 678-894-2631

CardFlight is a leading provider of mobile POS technology and tools that make it easy for anyone to accept swiped (card present) payments in any mobile app with virtually any merchant account. They offer both iOS/Android mobile payment applications and software development kits (SDKs) that can be incorporated into custom applications. CardFlight’s platform also includes encrypted card readers and a payment gateway that supports over 20 different processors, to provide clients with complete mobile payments and mobile POS (mPOS) solutions. CardFlight won the Electronic Transactions Association’s 2014 Technology Innovation Award.

Presentation

CardFlight SDK for Mobile Payments
The CardFlight SDK allows any mobile developer to build mobile point-of-sale functionality into his or her own mobile apps. CardFlight supplies three things:

1. Encrypted mobile card readers that fit into the audio jack of any smartphone or tablet
2. Easy-to-integrate software development kits for iOS and Android, complete with developer-friendly documentation and support
3. A PCI Level 1 compliant payment gateway that works with all major processors/merchant accounts

This allows developers to easily process swiped credit card payments within their own apps without the complexity of typical payment integrations. By using the CardFlight SDK, developers can fully customize their user experience and keep control of their product, while being able to integrate payment data into their other back-end systems (CRM, inventory management, analytics and reporting, etc.).

The CardFlight SDK and gateway is compatible with merchant accounts from leading processors, including Braintree, Chase Paymentech, Global Payments, First Data, Stripe, TSYS and Vantiv.