How they describe themselves: DRA is a mobile platform that improves the in-store experience to better match the natural shopper flow. We focus on discovery and engagement through payments, completely on a shopper’s mobile device. SelfPay provides an open and consistent Shop+Pay experience across retailers, carriers, devices, payment methods, processors and POS platforms. DRA enriches the shopper & retailer relationship and integrates with third parties to create a seamless, open and integrated solution. Shoppers receive a consistent experience while our partners make use of a shared platform with goals to boost adoption and increase mobile transactions.

How they describe their product/innovation: SelfPay helps merchants engage each shopper in-aisle, item in hand and on their mobile device. As a shopper nears a store, they’re located via iBeacon and location services – no need to check in or search for an app. SelfPay welcomes the shopper and displays the store’s brands, items, descriptions and pricing. Shoppers can purchase items in-app to take home right away – no more waiting in line just to pay. SelfPay extends the POS to the shopper’s mobile device and purchases are settled with the existing merchant account, posting immediately to the POS. As a wallet aggregator, SelfPay offers a wide choice of payment methods from credit cards to e-wallets. Also included is a patent-pending wireless purchase verification method, SP Verify.

Product Distribution Strategy: Direct to Consumer (B2C), Direct to Business (B2B), through other fintech companies and platforms, licensed

Contacts:

Bus. Dev. & Sales: Wendy MacKinnon Keith, CEO & Founder, [email protected],
416-994-4771
Press: Catherine Seeds, PR+Marketing, Ketner Group, [email protected],
512-794-8876

How they describe themselves: Advanced Merchant Payments (“AMP”) enables banks, merchant acquirers, and other institutional lenders to profitably offer short-term, unsecured, loans to under-served MSMEs based upon their electronically verifiable cash flow and other data points.

AMP’s proprietary platform leverages concepts and principles from microfinance, payment processing, and data analytics – together with more traditional loan underwriting principles – to support loan portfolios across countries, currencies, and banking systems.

In support of its bank solution, AMP itself currently serves as a licensed provider of unsecured small business loans in Hong Kong, Singapore, the Philippines, and the United Kingdom – with expansion into several other markets planned.

How they describe their product/innovation: AMP’s small business lending solution offers an efficient and scalable means by which banks can readily originate and manage a broad portfolio of small business loans. AMP solves the problem of “the missing middle”: small businesses with one or more bank accounts for which neither consumer nor traditional SME loan products are suitable.

AMP’s platform utilizes existing communication methods to bridge the divide between the Retail Banking and Business Banking activities of a bank – without the costs and difficulties inherent in formal bank system integration.

AMP can manage all or some stages of the loan process: from Qualification to Verification, Credit Scoring, Approval, Disbursement, Daily Repayment & Risk Monitoring, through to Completion.

Product Distribution Strategy: Through financial institutions.

Contacts:

Bus. Dev.: Thomas J. DeLuca, CEO, [email protected], (o) +852 2541 3180, (m) +852 6162 6572 &
James Lloyd, Director of Product Management, [email protected], (o) +852 2541 3180, (m) +852 5690 0619

How they describe themselves: In 2013, Australian, Canadian, Dutch, Norwegian and UK regulators all introduced a ban on commission payments for financial advice concerning long-term products and services. The objective of such legislation was to increase the transparency of financial advisory services. We have developed a highly specialised cloud-based financial customer experience platform to support the Banks, Insurers and Financial Advisors to lead the consumer game in these fast changing advisory markets. The artificial intelligence platform provides the opportunity to build a €100 million EBIT/DA business.

How they describe their product/innovation: AdviceGames developed the World’s first Virtual Guardian (Advisors) Angel, namely – an intelligent Financial Experience Cloud Platform (FECP). This platform offers two high end services which gives Banks, Insurers and IFAs the tools they require to once again successfully serve these markets.

Firstly it offers the World’s first academic and interactive omnichannel performance monitor – the NIFA (National Index for Financial Advice) Suite. Secondly the VGA offers an online loyalty store, which provides a cloud-based angel offering designed to improve consumer experience leading to breakthrough customer loyalty.

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

Contacts:

Bus. Dev. & Sales: Diederick van Thiel
Press: Rosali Steenkamer

How they describe themselves: AnalytixInsight, through its online portal capitalcube.com, provides high-quality financial research and content for investors, information providers, finance portals and media. The Company’s disruptive technology algorithmically analyzes market price data and regulatory filings to create insightful, actionable narratives and research on approximately 45,000 global companies – all available as a cloud-based, SAAS offering. This platform capability is extensible to other asset classes and sectors to generate insightful research reports. The Company currently has existing business relationships with leading global financial and media institutions.

How they describe their product/innovation: AnalytixInsight and CapitalCube launched their newest product – Fundamental ETF analysis. The ETF analysis provides unique fundamental research of an ETF based on the analysis and risk assessment of the daily changing underlying compositions. This enables investors to easily discern the fundamental risk and characteristics of each ETF, especially with respect to other ETF alternatives available to them. The service is intended to address the till now unmet need of fundamental analysis of each ETF globally.

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

Contacts:

Bus. Dev.: [email protected]
Press: [email protected]
Sales: [email protected]

How they describe themselves: Arxan protects mobile applications from hacker attacks and malware exploits with the world’s strongest and most deployed application security products. Arxan’s patented ‘Guarding’ technology is embedded directly into apps to yield self-defending, tamper-proof apps that are resistant to unauthorized code tampering and reverse engineering attacks. Arxan’s multi-operating system approach mitigates risk, such as fraud or data compromise, by ensuring critical security and business logic are hardened from repacking and redistribution attempts and unauthorized access on untrusted devices. Arxan’s application integrity protection is deployed on over 250 million devices by Fortune 500 organizations in financial services, retail, healthcare, ISV, entertainment and other enterprises.

How they describe their product/innovation: Arxan’s mobile application hardening™ delivers critical defense and shielding at the application layer with static and active self-defend and tamper-proof attributes. By deploying Arxan protected apps, financial institutions can launch advanced and feature-rich mobile financial services with confidence. Our state of the art ‘Guards’ are small units of object code that “lockdown” applications with multiple and performance sensitive protection against attacks such as malware, fraud, data breach repackaging, unauthorized access, IP theft, removal of security or critical business logic – all of which would have significant consequences for financial institutions.

Product Distribution Strategy: Direct to Business (B2B)

Contacts:

Bus. Dev.: Jukka Alanen, VP Business Development, [email protected], +1 650 861 9659
Press: Jodi Wadhwa, VP Marketing, [email protected], +1 301 968 4290
Sales: Tom van Gorder, VP Worldwide Sales, [email protected], +1 301 968 4290 &
Mark Noctor, W. EMEA Sales Director, [email protected], +44 1491 5265 00

How they describe themselves: Atsora provides financial institutions with innovative, agile, and customer-driven tools for providing value to business owners. We move SME to the Bank 3.0 world. Our goal is to change the way Banks communicate and collaborate with SME customers. We combine financial analytics and cutting edge mobile and online technology with UX focused functionality. We offer two business variants for Banks: (1) Bank offers the application as a third company service in addition to SME existing e-banking or as a standalone application, (2) white-labeled solution bank integrates Momentum into existing SME e-banking service. Atsora is composed by ex- financial technology consultants, bank, and insurance managers backed up with a software house team.

How they describe their product/innovation: Momentum is a software placed between the SME and Bank. One, integrated online and mobile application is used for planning business models and monitoring the cash flow and growth based on financial data. Users can easily share selected information with the Bank in order to get tailor-made offers and on-time support. The SME receives a complimentary set of functionality helping with cash flow and business model planning, cost optimization, and client profitability management. Everything seamlessly integrates with bank accounts, providing a real-time view on business. The Bank in turn gets better insight and can deliver the products exactly as needed. We support all phases of the SME lifecycle in order to improve cross selling and proactively manage retention.

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

Contacts:

Bus. Dev., Press & Sales: Anna Ciesielska (COO), [email protected]

How they describe themselves: Avoka, an innovative SaaS company offering a multi-channel digital business platform, helps organizations successfully transform high-stakes transactions into powerful cross-channel experiences available anywhere, anytime, and on any device. With Avoka, organizations attract and retain more customers, sell more products and services, reduce abandonment rates, and improve the quality of information that flows into their IT systems.

How they describe their product/innovation: Avoka Transact, a multi-channel digital business platform, delivers a complete transaction experience that goes beyond ‘online forms’. Avoka Transact:

• Gives your customers the tools and convenience of moving seamlessly between devices and channels when completing a single transaction.
• Transforms enterprise-level form-based transactions from account opening, loan applications, and claims in to cross-channel forms available on smartphones, tablets, and desktop computers.
• Supports your customers with both self-service and assisted channels such as in-branch, call centers, and mobile sales staff.

Product Distribution Strategy: Direct to Business (B2B), through other fintech companies and platforms

Contacts:

Bus. Dev.: Richard Austen, General Manager, Europe, [email protected], [email protected],
+44 203 514 8556
Press: Sarah Samplonius, Digital Marketing Manager, [email protected],
+1 303 800 6323
Sales: Steve Moore, Senior Sales Executive, [email protected], [email protected],
+44 203 514 8556

How they describe themselves: AXA Banque and CH&Cie have partnered to launch a totally brand new banking offer, completely changing the relationship with money, proposing a useful, intuitive, and simple way to manage day to day bank activities.

How they describe their product/innovation: SOON is changing the way everyday banking is done. Mobile banking can be much more than another channel to use the same banking services because mobile handset capabilities enable brand new user experiences. SOON is one of the first bank services to be specially designed for a mobile smartphone, with the objective to make bank services useful, simple, and pleasant. Focusing on design and user experience, we took Apple as an example and used the Nudge marketing theory to develop useful functionalities to manage money.

Product Distribution Strategy: Direct to Consumer (B2C)

Contacts:

Bus. Dev.: Raphaël Krivine, GM, [email protected] &
Patrick Bucquet, Senior Partner, [email protected]
Press: Florence Genon-Catalot, [email protected], +33 1 55 12 80 34

How they describe themselves: Backbase is a software company specializing in Bank 2.0 Portal Software. The Backbase Bank 2.0 Portal empowers financials to create a new customer experience layer that streamlines their online customer interactions across multiple devices including desktops, tablets, and smartphones. Within the Backbase Bank 2.0 Portal, content, data, and functionality from underlying back-end systems are unified into a seamless customer journey, and highly relevant information messages can be targeted to customers based on their preferences and behavior. Unlike traditional IT vendors, Backbase has created a business driven portal solution that makes portal management easy for e-business professionals. This delivers total control and powerful digital marketing capabilities.

How they describe their product/innovation: We launched our new mobile origination and enrollment module at FinovateEurope 2014. With the strong mobile capabilities of the Backbase Platform and the growing digital marketing capabilities, we are now including an out-of-the-box tool for seamless mobile enrollment experiences.

The new key features are:

• Complete mobile application development capabilities within Backbase
• Out-of-the-box enrollment and origination capabilities to support the online application process including camera facilitated image matching for insurance claims and digital image ID authentication using driving licenses for example – all linked with the FI’s back-end system (STP), with campaign analytics to track and monitor the campaign’s results

Product Distribution Strategy: Through financial institutions, licensed

Contacts:

Press: Jelmer de Jong, Global Head of Marketing, [email protected],
+31 6 230 260 12
Sales: Pete Atkinson, VP United Kingdom & Ireland, [email protected],
+44 77403 006 06

How they describe themselves: BehavioSec Inc. (Swedish Reg. Behaviometrics AB) is a Swedish award winning company that was selected as part of “Cool Vendors in Security: Identity and Access Management, 2012” for their patented Continuous Authentication & Verification technology.

The company focuses on innovation in behavioural biometrics, commercializing research from Luleå University of Technology, and counts DARPA and leading international financial institutions among our clients.

The organizations supporting the development of BehavioSec are Conor Venture Partners and Partner Invest Norr with their 2011 investment combined with seed capital funding from Innovationsbron, Lunova, and PNF venture capital.

How they describe their product/innovation: User-friendly, adaptive user authentication via risk based authentication, or behavioural biometrics, and the reality of legacy systems at our current customers.

BehavioSec extended its award winning BehavioWeb and BehavioMobile solutions to offer policy based behaviour authentication actions.

This allows the web fraud detection system to define cause and effect authentication, removing the burden of troublesome security from the end user.

Product Distribution Strategy: Direct to Business (B2B), through other fintech companies and platforms, licensed

Contacts:

Press & Sales: Olov Renberg, COO, [email protected]

How they describe themselves: Cardwise helps companies make expenses visible and creates innovative tools to take control, with Xpenditure as their flagship product. Xpenditure is a cutting edge expense management tool making use of scanning & smart reporting flows, mainly marketed via integrated & value added partnerships with banks, accounting solutions and payroll companies.

How they describe their product/innovation: Xpenditure is a web based expense management solution that eliminates expense reports for a company. By automating all steps of the expense management process and making use of receipt scanning and integrated approval on the level of expense, Xpenditure makes it possible to manage all daily costs without creating ordinary expense notes – all without long and expensive implementation costs.

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

Contacts:

Bus. Dev.: Wim Derkinderen, CCO & Co-Founder, [email protected]
Press: Boris Bogaert, CEO & Co-Founder, [email protected]
Sales: Vicky Boeckx, Sales Representative, [email protected]

How they describe themselves: CRIF, a FinTech 100 company, is a leading global credit management solutions firm providing credit reporting, scoring, loan decisioning, and processing technology to over 2,400 financial institutions of all sizes worldwide. One of the largest loan origination and onboarding solution providers worldwide, financial institutions turn to CRIF to allow them to respond quicker, cut costs, make more accurate decisions, and be compliance-ready. This is achieved through the CRIF Credit Framework, CRIF’s global offering of technology, predictive analytics, and know-how to achieve dynamic, optimized, and governable credit processes which provide real-time responses and confident decisions.

How they describe their product/innovation: CRIF’s innovation combines lending via mobile devices with agile, business user-friendly technology to ensure business KPIs are met during the sales phase of the lending process. The demo shows new releases of CRIF Credit Framework’s technology, which is a Smart Process Application platform built specifically for the credit and lending space that is extremely adaptable to any business, compliance regulation, and country requirement. It consists of modular decision management, process management, and business intelligence products used to develop smart, dynamic applications for credit, risk management, and lending. Flexibility along with control and analytical features allow our customers to be faster, better, and more efficient.

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

Contacts:

Bus. Dev. & Sales: Aldo Bruschi, VP Global Decisioning Business Development & Delivery, [email protected], +39 335 740 2321
Press: Sheila Donohue, Product Marketing Manager, [email protected], +39 335 730 8143