How they describe themselves: Silver Tail Systems provides next generation fraud prevention to protect websites against the latest threats that cost financial institutions and e-commerce companies hundreds of millions of dollars a year. Silver Tail Systems products use real-time behavior analysis to detect and alert on known threats and new behaviors like Man in the Browser and Zeus, then enable the business to disrupt these attacks in real-time. These solutions can be delivered on-premise or as a service. Founded by fraud prevention experts from eBay and PayPal, Silver Tail Systems significantly reduces online fraud losses, protects your institution, and increases customer trust.

What they think makes them better: Most financial institution (FI) websites employ third party applications for functions like bill pay, personal finance management, etc. All transactional information about activity performed on the third parties’ web servers is not available to the FI for days, if at all. Despite this lack of visibility, the FI is liable for any fraud occurring there. Silver Tail Systems’ Junction Master with Active Visibility and Control Technology (AVCT) gives FIs instant visibility of all activity on third party sites and the ability to divert in real-time any fraudulent session. FIs now have visibility and control of the activity on the third party services so they can stem the fraud happening through these applications.

Contacts:

Bus. Dev.: Tim Eades, CEO, 650-649-0125, [email protected]
Sales: Paul McGowan, VP of Sales, 650-649-0122, [email protected]
Press: Laura Mather, Ph.D., Founder/VP Prod. Mktg, 650-649-0121, [email protected]

How they describe themselves: SmartCredit.com is an innovative credit report with buttons and apps. It’s designed for everyone. Our Jean Chatzky Score Builder app leads the way by holding your hand through 120 days to better credit. To build SmartCredit.com, we turned the credit report horizontal and simplified it. We added action buttons that talk directly to your creditors. Then we integrated applications. Imagine seeing an item in your credit report and asking your creditor to correct an error, replace a lost credit card, get a better interest rate, settle a debt or anything else.

You can, all with the simple push of a button. With SmartCredit.com, you also get credit monitoring combined with identity protection and creditor responses to your Actions. Near real-time alerts are sent to your email or mobile phone. Simply push a button to stop identity theft. Our apps are matched to your credit and lifestyle saving you time and money. After a 5-day free trial, it’s only $19.95 per month.

What they think makes them better: SmartCredit.com has the simplified horizontal credit
report, action buttons and integrated apps. It includes our Jean Chatzky Score Builder app at no extra charge. SmartCredit.com is connected to over 36,000 creditors in the United States, making its action buttons fast and effective. SmartCredit.com provides your credit score along with you’re auto score, insurance score and our patent-pending employment score. With the exception of the credit score, there is no competition to the features listed above.

Contacts:

Bus. Dev., Sales & Press: Ethan Taub, Chief Marketing Officer, 714-431-0005×205, [email protected]

How they describe themselves: RiskKey’s enemy is the spreadsheet. Spreadsheets are not adequate for managing enterprise compliance. RiskKey solves this. It focuses on three things: Simplicity, Collaboration, and Results. Our web-based product includes pre-built templates to get you started, centralized project management for your team, risk assessment and audit project workflows, and beautiful reports.

What they think makes them better: Compliance, traditionally, has been conducted and “innovated” by auditors and accountants. We are neither. We tied our expertise in technology and security with our aptitude with the Web and created RiskKey. Nobody has taken a design-driven, simple-focused approach to compliance until now.

Contacts:

Sales: Henry Garland, Founder, 214-215-3215
Bus. Dev: Denis O’neil, VP Sales, 817-800-8516
Press: Natasha Gabriel, Marketing Consultant, 940-206-6429

How they describe themselves: TransUnion Interactive, Inc. is the consumer subsidiary of TransUnion, LLC, a global leader in credit and information management, which maintains credit histories on an estimated 500 million consumers across the globe. TransUnion Interactive targets both consumers and financial services business with a consumer base. Through TransUnion Interactive’s product suite, which includes TrueCredit.com and zendough.com, consumers can benefit from online educational materials, free monthly newsletters and easy-to-use tools designed to help them manage and control their finances.

TransUnion Interactive, headquartered in Chicago, employs approximately 75 associates.

What they think makes them better: zendough.com by TransUnion is the first product
ever to combine a consumer’s credit reports and score, debt management tools and identity theft protection into one place, in a unique, at-a-glance format.

zendough.com is an interactive tool that organizes an individual’s key financial information into a clear-cut, customized snapshot. Rather than overwhelming consumers with vast amounts of data, zendough.com provides members with personalized analysis and advice coupled with a user experience that delivers a sense of control and calmness.

zendough.com helps consumers make peace with their money and is based on the philosophy of helping consumers find enlightenment through a better understanding of their finances.

Contacts:

Bus. Dev.: Lucy Duni, Vice President of Marketing, [email protected]
Sales: Ron Stewart, Vice President of Sales, [email protected]
Press: John Branham, PR Consultant, [email protected]

How they describe themselves: TSYS is one of the world’s largest companies for outsourced
payment services, offering a broad range of issuer – and acquirer – processing technology that support consumer – finance, credit, debit, healthcare, loyalty and prepaid services for financial institutions and retail companies in the Americas, EMEA and Asia-Pacific regions. TSYS moved more than 10B payment transactions in 2009, and paid and settled on average $4 B per day. Its clients are in over 85 countries and three territories.

TSYS was recently named as one of Fortune Magazine’s Most Admired Companies and was ranked No. 4 in the “consumer credit card and related services” category. TSYS offers payment related products that support the complete lifecycle of electronic and card-based payments for both the merchant and card-issuer sides of the economic model. Its products and services include marketing and account acquisition, fraud and risk protection, customer care, point-of-sale acceptance and customer loyalty and retention initiatives. Positioning itself as the action behind the transaction, TSYS touches billions of consumers every year by enabling them to seamlessly make payments.

What they think makes them better: Since the recession began, we’ve seen trillions of dollars in available credit disappear, millions of card accounts closed, housing values and 401k investments plummet and increased rates of unemployment. We’ve also seen consumers decrease overall spending, focus on paying down debt, and make a renewed effort to increase personal savings. However, these very same consumers need payment options that give them increased choices to manage their cash flow and funding needs. TSYS addressed these market-driven and consumer needs through innovation. TSYS strives to be responsive to market demands by offering flexible, innovative products to fit the unique needs of today’s consumer.

TSYS Hybrid is a patent-pending service which enables credit card issuers to give their customers the ability to determine what they want to “pay now” vs. “pay later” from multiple accounts linked to the credit line. The TSYS Hybrid functionality simplifies how consumers and small businesses manage their finances and also enables them to earn rewards on more transactions. Through an easy-to-use, intuitive Internet application, customers define their preferences and manage their transactions according to their unique preferences and payment types. This innovative payments tool is exclusively offered through TSYS.

Contacts:

Product: Sarah Hartman, Payment Solutions, +1-706-577-1636 [email protected]
Corporate Marketing and Bus. Dev.: Virginia Ann Holman, 706-649-4695, [email protected];
Kasey Gaymon, 706-644-4365, [email protected]
Press: Cyle Mims, Media Relations, +1-706-644-3110, [email protected]

How they describe themselves: S1 Corporation (Nasdaq: SONE) delivers customer interaction software for financial and payment services. Worldwide, more than 3,000 customers use S1 software solutions, which comprise applications that address virtually every market segment and every delivery channel. Community banks, regional banks, national banks, credit unions, retailers, telcos, and processors all rely on the banking and payments software delivered by S1. S1 is a leading global provider of integrated banking solutions that deliver financial service providers a holistic view of their customers whether online, in the branch or in the call center.

What they think makes them better: S1 Online Banking 3.7 combines a flexible UI, integrated personal banking and business banking on a single platform and a robust entitlements engine. As a result, financial institutions can tailor services and the user experience to individual customer segments, increasing the FI’s ability to forge deeper, more profitable relationships across all channels. The new version allows FIs to design a new product aimed at any segment by:

• Mixing-and-matching personal and business banking services
• Creating a unique user experience (via “skins” for individual segments)
• Facilitating Universal Money Movement
• Based on the needs & preferences of each segment

Contacts:

Biz Dev: Mike Jackson, General Manager, Retail Online, 404-923-3500
Sales: Neil Underwood, SVP Sales, 404-923-3500
Press: Jorge Lavina, Account Supervisor, CooperKatz & Company, 917-595-3030

How they describe themselves: Silver Tail provides an online fraud detection platform for detecting, investigating, and preventing all types of fraud techniques. We protect against the fraud techniques that some systems can detect today but also new fraud techniques such as Business Logic Abuse including Man in the Browser, Man in the Middle, mass registration of accounts, scraping of check images, etc. Silver Tail has two product offerings. Forensics detects emerging threats on a website and allows for the efficient investigation of those threats. Mitigation diverts the bad behavior in real-time without requiring engineering resources.

What they think makes them better: Silver Tail’s products are different from the competition in two ways. First, other vendors protect a limited number of website functions while Silver Tail protects all website functions. Second, Silver Tail goes beyond signatures to find new threats as they emerge. Because of the architecture of signature-based systems, they are not able to detect Business Logic Abuse. Bad actors are increasingly skilled at beating traditional anti-fraud systems. Therefore, it’s key that websites protect all functions of the website and go beyond the deep analysis of traditional systems by looking more broadly at overall site traffic to identify emerging fraudulent events.

Contacts:

Biz Dev & Sales: Paul McGowan, [email protected], 650-649-0122
Press: Laura Mather, [email protected], 650-649-0121

How they describe themselves: SimpliFi was founded with a simple mission: create a web service that would allow anyone, regardless of wealth or investment knowledge, to create and update their own comprehensive financial plan. Since launching Version 1.0 to financial institutions in 2005, SimpliFi has developed a solid presence in the credit union marketplace and recently launched a direct-to-consumer version in April 2009.

What they think makes them better: Unlike information sites or straight PFM tools, SimpliFi actually gives personalized advice on what to do with your money. As an SEC-Registered Investment Advisor, SimpliFi provides unbiased advice on savings, spending, debt management, insurance and investments. SimpliFi also dynamically “grades” each plan to help users assess risks and adjust their plan accordingly. SimpliFi has recently added streamlined PFM capabilities to its service, so users can now aggregate account data and link their longer-term financial objectives with their shorter-term spending plans, tracking their progress along the way. Planning + Budgeting = Real Financial Management!

Contacts:

Biz Dev: Bryan Link (CEO), [email protected]
Sales: Bill Grizack (COO), [email protected]
Press: Korina Buhler, [email protected], 415-402-0230

How they describe themselves: CentsCity is a financial education platform that uses online games and real-world rewards to build tweens’ (ages 8-14) financial skills. Kids go on “quests” to landmarks such as the Eiffel Tower and the Sphinx where interactive animations and games teach subjects including balancisng a checkbook, paying for college, and understanding savings accounts. Their achievements, which they also track in a physical “Passport,” earn them virtual currency that can be used to buy real-life rewards! Meanwhile, adults are able to follow and customize their kids’ experiences through a dynamic administrative interface.

What they think makes them better: CentsCity provides partners with a financial education and rewards product that achieves social impact, generates positive consideration, and attracts customers. With 81% of tweens playing online games (Source: Pew Internet & American Life Project) and 87% of parents “very interested” in teaching their kids financial responsibility (Source: Newry Corporation), CentsCity is at the nexus of an emerging opportunity. The platform incorporates persistent play, educational videos and quizzes, and customizable rewards in an engaging virtual setting. The result is a fun tool for building financial skills while linking online experiences to the real world.

Contacts:

Biz Dev, Sales, Press: Felix Brandon Lloyd, 412-532-6267, [email protected]

How they describe themselves: SmartyPig is the first and only online banking application that combines the intuitive functionality of Web 2.0 user applications with the viral nature of social networking communities. Through its proprietary, patent-pending technology, SmartyPig allows customers to open goal-based savings accounts (West Bank in the U.S.; ANZ in Australia), invite their friends and family members to help them reach their goals using Facebook, MySpace, Blogger, etc., and earn cash boosts of up to 6% from leading retailers toward their goals. SmartyPig provides an innovative, online banking application for valuable consumer groups like Generation Y.

What they think makes them better: Powered by a one-of-a-kind transactional banking engine with independent technology and security crosschecks that are completely unique to the industry and operate independently from partner banks’ IT platforms, SmartyPig has created a revolutionary pipeline that has garnered exposure throughout the world. Redefining the relationship that consumers have with their banks, SmartyPig serves as a conduit between partner banks and tech savvy customers who SmartyPig is constantly communicating with and collecting critical data from. SmartyPig is a first mover in the “social money” space that will define the future of saving.

Contacts:

Biz Dev & Sales: Jon Gaskell, Co-Founder, 515-256-2086
Press: Tiffany Spencer, [email protected], 310-795-1806

How they describe themselves: Strands develops software technologies that help people discover personally relevant content and products on the Internet. One of the three business units in the company, Strands Personal Finance has launched moneyStrands, an innovative consumer oriented online personal finance management service utilizing Strands recommendation technology. Strands Personal Finance licenses the moneyStrands PFM platform to financial institutions looking to bring top notch PFM capabilities to their end users. The highly successful white label implementation for Spain’s BBVA has recently been covered as a financial innovation case study by Forrester Research. Strands Personal Finance has also announced that is powering TIM – the PFM pilot project for Netherland’s ING.

What they think makes them better:

• moneyStrands offers a balanced user experience that combines proven core PFM use cases with a cutting edge, widget-based UI that is highly customizable by the end user.
• Available in both Spanish and English, moneyStrands is also accessible via a full-featured mobile web version and a native iPhone application.
• moneyStrands supports manual data importation in addition to automatic account aggregation.
• moneyStrands engages its users through effective and clutter-free visualization of their finances, while taking advantage of Strands’ proprietary content and product discovery engine for contextually relevant product and content offers.

Contacts:

Biz Dev & Sales: Atakan Cetinsoy, [email protected], 415-398-4333 x.201
Press: Alla Oks, Marketing Director, [email protected], 415-398 4333 x. 202

How they describe themselves: TILE, The Investing Learning Environment, provides an online private labeled environment for financial advisors and parents to educate the next generation of high net worth investors, 15 to 25 years old, about Spending, Growing, and Giving their money. We estimate the next generation will inherit more than $1 trillion over the next 10 to 15 years – representing a tremendous challenge and opportunity for today’s wealth managers. Using a combination of Workflow, Community, and Content, TILE engages its members to create their own financial identity. Its unique tone and interface is accessible, relatable, and focused on this attractive, and important demographic.

What they think makes them better: TILE is a paradigm shift in fi nancial services. In the audience it targets, its tone, and its medium, TILE is one of the first financially oriented services to recognize and embrace the new world of Generation Y. Philosophically, TILE takes a people versus product driven approach to facilitate communication between young adults, parents, and advisors. Practically, TILE is not “just budgeting tool/a fancy market watch” and there is no advertising. The three-pronged (Spend, Grow, Give) approach to building a financial identity introduces true next generation financial services.

Contacts:

Biz Dev: Amy Butte, [email protected], 212-905-6250
Press: [email protected], 212-905-6250