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

How they describe themselves: Foreign exchange companies bid. You win. Big corporates & FTSE 100 companies enjoy competitive pricing on their international payments. Why shouldn’t you? Think FXAll, 360T & Currenex for the SME market. CurrencyTransfer.com is the world’s first venue for small to mid sized companies trading up to £200 million worth of currency per annum to access competitive international payment quotes from your currency providers in one place. Execute your business trades at the best prices at the click of a button. Our sister comparison websites MyCurrencyTransfer.com & MyTravelMoney.co.uk have helped private client customers transact over $600,000,000. In the past three years, we’ve partnered with the major FCA authorised and regulated non-bank foreign exchange companies.

How they describe their product/innovation: FX price feed aggregator and execution platform that takes the technology blue chip treasurers take for granted, and makes it accessible to the masses. We offer a price feed aggregation solution to problems SME’s trading internationally face, including: outdated phone based comparison, experiencing “honeymoon rates” & dreadfully expensive bank foreign exchange rates. Our goal is to create efficiency & total price transparency in an expensive, and opaque international money transfer industry. Version 1 features include: bidding platform, trade execution, multi broker registration & post trade history.

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

Contacts:

Press: [email protected]
Sales: Aviva Tabachnik, Partnerships, [email protected] &
Daniel Abrahams, Co-Founder & Head of Partnerships, [email protected]

How they describe themselves: Device Ident offers self-developed anti-fraud software solutions for companies within the retail, digital goods, payment, and financial services sector. The company’s product portfolio includes device-fingerprinting and behavioral-analytics services. The new key product is Fraud Manager, a locally installed fraud analytics software that supports automatic fraud identification based on machine learning and graph data structures.

How they describe their product/innovation: Fraud Manager is a sophisticated software solution to identify and analyze fraud within online transactions. The software can be used to recognize and find new fraud patterns within your e-commerce and financial services business.

It uses fuzzy matching algorithms and graph database technology to identify fraudulent transactions in real time. Additionally it combines geolocation and map services from different vendors to visualize and compare locations of orders, customers, and shipping addresses.

February 2014 marks the first use by pilot customers from e-commerce and financial services.

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

Contacts:

Bus. Dev.:  Roberto Valerio, [email protected] &
Jürgen Brandt, [email protected]
Press: Fabian Besch, [email protected]
Sales: David Niemann, [email protected]

How they describe themselves: Dynamics was founded and seeded by Jeff Mullen, its President and CEO. Dynamics produces and manufactures intelligent powered cards such as advanced payment cards. Focused on introducing fast-cycle innovation to top card issuers, the company’s first commercial application is the world’s first fully card-programmable magnetic stripe for use in next-generation payment cards.

Contacts:

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

How they describe themselves: Advanced Merchant Payments (“AMP”) enables banks and other institutional lenders to profitably offer short-term, unsecured, loans to small businesses based upon electronic cash flow and other data points – in both developed and emerging markets.

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

In support of its solution, AMP itself currently serves as a licensed provider of short-term, unsecured loans to small businesses in Hong Kong, Singapore, and the Philippines – with expansion plans across Asia-Pacific and elsewhere.

How they describe their product/innovation: AMP’s small business lending solution offers an efficient and scalable managed solution by which banks can readily originate and manage a broad portfolio of small business loans. AMP solves the problem wherein banks find short-term, unsecured, lending to their small business account-holders costly and inefficient.

AMP’s platform utilizes existing communication methods (including commonly accepted file formats) 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, Managing Director, [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: The App Annie suite consists of three main products – Store Stats, Analytics, and Intelligence. App Annie products are the industry standard, used by over 90 percent of the top 100 grossing iOS publishers. More than 300,000 apps rely daily on App Annie Analytics to track their downloads, revenues, rankings and reviews.

App Annie is a privately held company with offices in Beijing, Hong Kong, Tokyo, Seoul, San Francisco, and London. For more information, please visit appannie.com or follow @AppAnnie.

How they describe their product/innovation: The App Annie suite consists of three main products – Store Stats, Analytics, and Intelligence – that are all completely free at appannie.com.

App Annie Store Stats is a free online service that has become the standard for app ranking analysis in the industry. It provides a range of charts visualizing on historical rankings, daily rankings, ratings, and featured placements broken down by countries and categories.

App Annie Analytics offers the ultimate sales analytics dashboard for app publishers that is easy-to-use and packed full of features. It allows publishers to track their app downloads, revenues, rankings, and reviews across multiple platforms in one safe place. And App Annie gives publishers the tools to access that data via web dashboard, daily email reports, export function, and API.

App Annie Intelligence is our premium offering for those that need advanced market intelligence about the global app economy. It provides the most accurate market estimates available for app stores, helping big businesses inform their product, international, marketing & investment strategy.

Product distribution strategy: Direct to Business (B2B)

Contacts:

Bus. Dev. & Sales: Nicolas Beraudo, EVP Worldwide Sales & GM US, [email protected]
Press: Sara Fastenberg, Senior Associate, Bateman Group, [email protected], (o) +1-415-697-2568, (m) +1-206-948-4556