How they describe their product/innovation: Demyst.Data is a web based modeling toolkit to help lenders grow thin file portfolios without increasing their risk levels.  With minimal inputs, the tool provides for better segmentation on customers typically rejected due to a lack of data through:

• Convenient access to rich consumer level data including telecommunications, geo-location, demographics, and social networks.
• Proprietary statistical techniques that outperform logistic regression when working with emerging messy data sources.
• Painless technology to configure and integrate bespoke API’s which bridge the gap between your current processes and optimized product offers.

Contacts:

Kevin Denberg, Co-Founder & CMO, [email protected], (917) 439-9111
Mark Hookey, Founder, [email protected], (646) 291-6884

How they describe themselves: DoughMain™ is the first and only platform to help parents coordinate, teach and reward their children by combining free family management tools with financial education and real-world experiences.

How they describe their product/innovation: DoughMain will be demoing a simpler, more convenient way to help families keep their lives organized. The free DoughMain platform consists of a family calendar that is integrated with a chore tracker and an allowance/rewards tool. Parents set up their own customized DoughMain that serves as a secure micro-network for the family. On top of its family coordination platform, DoughMain offers financial education via three age-relevant game sites and integrated real-world financial experiences including a bank account and a Visa reloadable card.

Contacts:

Bus. Dev. & Sales: Ken Damato, CEO, [email protected], 732-718-4410
Press: Leanne Scott Brown, [email protected], 610-455-2755

How they describe themselves: Dynamics Inc. 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 innovation is the world’s first fully programmable magnetic stripe for use in next-generation payment cards. The company is headquartered in Pittsburgh, Pennsylvania and has a satellite office in New York City.

How they describe their product/innovation: Chip & Choice™ is intended for the EU and other markets that utilize EMV (~85% penetration in EU).  The battery-powered card has multiple “chips” including a central processing chip and a secondary “EMV” chip. The applications are loaded in a central “chip.” Based on what button a user pressed on the card, the appropriate application is provided to the secondary “chip.” Thus, the POS reader believes the card is a single-application card when, in fact, the card is a multiple application card.  In doing so, Dynamics solves the POS software fragmentation issue that has crippled innovation in the EU for decades, thus finally enabling customer driven choice at the point-of-sale.  A card-programmable magnetic stripe is also included, as 100% of EU readers read magnetic stripes and 15% of EU readers only read magnetic stripes

Contacts:

Bus. Dev. & Sales: Chris Rigatti, Sr. Director, [email protected]
Press: Victoria Brown, [email protected]

How they describe themselves: Adobe helps customers create, deliver, and optimize compelling content and applications — improving the impact of their communications, enhancing their brands and productivity, and ultimately bringing them greater business success. Together, we’re turning ordinary interactions into more valuable digital experiences every day, across media and devices, anywhere, anytime. We offer our customers solutions in three critical endeavors:

• Content authoring: Build content and applications with greater reach and stronger impact.
• Customer experience management (CEM): Offer customer experiences that strengthen brands and improve efficiency.
• Online marketing: Deliver and measure marketing effectiveness across a wide spectrum of screens and devices

How they describe their product/innovation: Adobe’s Customer Experience Management (CEM) is a unified suite of solutions for immersive, multi-channel digital experiences that allows Financial Institutions (FIs) to enhance acquisition, reduce churn and encourage brand loyalty through:

• Delivering personalized customer centric experiences and targeted offerings
• Using customer context to present the right content, at the right opportunity
• Multi-channel publishing to provide a consistent experience across multiple channels
• Connecting the Web, mobile and social presence of customers
• Measurement and optimization of the customer engagement and experience

Adobe will be demonstrating a Banking solution that is in beta, developed on the CEM platform.

Contacts:

Bus. Dev.: Lakshmi Anumolu, Senior Solutions Manager, [email protected], 704-582-3031
Press: Sandra Lo, Sr. Manager Public Relations, [email protected], 415-832-2309

How they describe themselves: Aptys Solutions provides the industry’s only true, complete platform for financial institutions’ payment processing. Aptys Solutions enables financial institutions to support image exchange, ACH, wire processing and Federal Reserve messaging through a single, common infrastructure. Traditionally, financial institutions have managed payments through multiple silos and, as a result, have been forced to “cobble together” a solutions set from multiple disparate vendors. Aptys Solutions will address a significant market opportunity within the financial services marketplace – specifically, the absence of a true, single infrastructure to support all payment solutions (including image exchange, ACH processing, wire processing, Federal Reserve messages, in-network exchange (INEX) payment processing and mobile payments, among others). By providing financial institutions the option of a single point of entry for all of their payment solutions, Aptys Solutions frees these institutions of the efficiency losses and expenses associated with managing multiple vendor relationships. More importantly, Aptys Solutions enables financial institutions to effectively generate revenue by processing payments through unique delivery channels to financial institutions in a correspondent banking relationship.

How they describe their product/innovation: AptysMobile (aMobile) allows merchants to create electronic invoices and process payments using a mobile phone or tablet device. Our mobile payment solution enables individuals to use a mobile application to create an end-to-end process which allows electronic creation of invoices; distributed processing of payments through an electronic payments hub and the ability to export this created and captured data to a third-party accounting software package. The solution can process negotiable checks, credit, debit and gift cards. aMobile automates the invoice and payment process, eliminating the need for manual processing of billing, receiving payment and the labor intensive input of the information accumulated to be manually entered into a third-party accounting software.

Contacts:

Bus. Dev: Scott Harris, Executive Vice President, Business Development, [email protected], 972-722-5400
Press: Joy Harper, Senior Account Agent, [email protected], 678-781-7208
Sales: Eric Dotson, Executive Vice President, Sales, [email protected], 972-722-5400

How they describe themselves: Arroweye is a card marketing and production partner that provides just-in-time, highly customized plastic gift, incentive and payment cards and carriers. Helping propel the industry forward, Arroweye is the first fully integrated provider approved by Visa, MasterCard, and Discover to manufacture and personalize cards using digital on-demand technology. Arroweye’s front-end web tools and digital program administration coupled with its back-end manufacturing and fulfillment expertise are changing the game for the financial industry, improving speed to market, flexibility and profitability of card programs. Today, the company serves open loop markets in prepaid, credit, debit, reward, incentive, employee programs and alternative banking.

How they describe their product/innovation: As the first provider to enter the market with a fully digital on-demand solution, Arroweye gives financial institutions a simple, turn-key and cost effective way to offer highly customized payment cards to customers. Evidence shows that card customization increases top-of-wallet share and improves overall card usage. Arroweye’s web-to-print process combines best-in class consumer web tools for card design and customization with an integrated digital on-demand production and fulfillment operation. Arroweye’s vertically-integrated approach enables financial institutions to differentiate their product offerings without investing in inventory.

Contacts:

Bus. Dev. & Sales: Matt Hillgard, SVP of Sales, [email protected], 312-253-9419
Press: Jill Ellis, VP of Marketing, [email protected], 312-253-9429
Laurie Leopold, Press Rep, [email protected], 312-577-1758

How they describe themselves: Backbase’s core product is the Bank 2.0 Portal, which is designed for the financial industry. This unique software fosters customer communities, increases brand loyalty, drives self-service, and fuels revenues. Its efficiency enables companies to create high-quality portals without the usual high IT costs for development and maintenance. With Backbase Bank 2.0 Portal you can manage both traditional web, as well as mobile-optimized portals, from a single platform. Backbase helps financials to upgrade outdated portals without replacing the underlying banking and transaction systems. Global 2000 enterprises such as ABN Amro, AIG, Barclays, Bank of America, BT, General Motors, ING, KPN, Motorola, NXP, Philips, Vanguard, Visa and Ziggo, use Backbase technology to create personalized experiences for their customers. A pioneer in the industry, Backbase was founded in 2003 and is privately funded with operations in New York and Amsterdam.

How they describe their product/innovation: The App Store is one of the key innovations within Backbase Portal Manager, which is the dashboard that helps e-business professionals optimize their Bank 2.0 Portal. App Store brings together best-of-breed functional modules (e.g. PFM, Chat, Content and Data feeds, andTransactional Systems) that can easily be added to your Bank 2.0 Portal. The App Store is populated with functionality provided by Backbase, the financial provider (their existing banking apps) and third-party software and data vendors in the financial services industry.

In today’s Web 2.0 world, banks need to offer a superior online customer experience that goes way beyond offering only online transaction capability. In order to be customer centric and optimize the online customer journey, financial services firms need to be able to create the right blend of functionality and content that serves their customer in a more personal way. Think PFM, interactive calculators and simulation tools, personal inbox and targeted advice.

Contacts:

Press: Jelmer de Jong, Marketing Manager, [email protected]
Sales: Herber De Ruijter, VP, North America, [email protected]

How they describe themselves: Personal finance is a chore and like many chores most people would rather not be bothered. At Balance, we manage this chore for you by assigning every client a dedicated Personal Bookkeeper who uses our purpose built technology to put your finances on auto pilot. Your Balance Personal Bookkeeper assists in managing your mail, bill pay, budgeting, expense tracking and filing, all to your unique specifications using our integrated personal finance and process automation technology. With Balance you get simple and convenient financial tools when you want them and professional support when you don’t.

How they describe their product/innovation: Balance will be displaying the core of our service offering including our online personal bookkeeping software & services, personal finance automation technology, nationwide network of Professional Bookkeepers and our iPhone app with photo bill pay. Balance delivers a high level of service and value through a unique blend of process automation and purpose built personal finance technology.

Contacts:

Bus. Dev., Sales & Press: Devin Miller, CEO, [email protected], 425-458-4400

How they describe themselves: BancBox is a banking services provider for fintech startups, providing access to a range of banking and payment services through over 250 powerful APIs.

How they describe their product/innovation: BancBox is an API to the U.S. Banking system. Allowing easy opening of FDIC-insured deposit accounts and transmission of money through all major methods, BancBox helps bring consumer financial products to life quicker, faster, and cheaper. At FinovateSpring 2011, BancBox will debut its range of services to a new audience of innovators who can leverage banking services to create great consumer financial products for their customers.

Contacts:

Bus. Dev., Sales & Press: Sanj Goyle, [email protected]

How they describe themselves: BancVue® provides innovative products, marketing, and consulting solutions to nearly 1,300 community banks and credit unions nationwide. Offerings like Kasasa®, a national brand of superior products, deliver controlled new account growth, higher profitability, and increased retention. BancVue’s MoneyIsland empowers financial institutions to address financial literacy with an online environment that meets Community Reinvestment Act requirements. Additionally, BancVue has joined with Wolters Kluwer Financial Services to provide the first of-its-kind compliance warranty for the process and disclosures for INMO®, the highest funding online account opening system. BancVue also offers a comprehensive card program to help clients meet their business objectives.

How they describe their product/innovation: MoneyIsland is a financial education experience that connects community financial institutions directly with local schools and families. To kids (ages 8-14), it’s a virtual adventure to save the hardhearted Stone Broke and win rewards! To grown-ups, it’s a comprehensive online resource with lesson plans aligned to national standards. To the institution, it’s a customized site that drives business and makes an impact. MoneyIsland offers users an epic game in addition to ongoing updates of educational videos, blogs, competitions, and other content. Meanwhile, the FIRSTBase platform on which it is built collects and manages leads. At a time when the demand for financial literacy has never been greater, MoneyIsland is a fantastic solution to strengthen community standing while further engaging account holders.

Contacts:

Bus. Dev.: John Waupsh, Chief Innovation Officer, [email protected], 877-342-2557
Press: Dan Mahoney, CSG Public Relations, [email protected], 970-405-8060
Sales: Jim Quinn, Chief Sales Officer, [email protected], 877-342-2557

How they describe themselves: Bankons is a mobile application offering consumers real-time savings at local merchants. Marrying geo-location with an individual’s transaction history, Bankons helps consumers conveniently take advantage of local offers at frequented merchants and discover discounts often overlooked or forgotten from Foursquare to AAA or KQED. The convenience of GPS-enabled, digital delivery of real time local and membership discounts provides value to consumers when and where they need it. However, it’s the incorporation of bank transaction history that makes it possible to deliver a uniquely targeted offer to a mobile device that’s based on the consumer’s previous patterns, making the offer far more relevant for the consumer.

How they describe their product/innovation: The technological and cultural convergence that’s taken place on the smart phone has created enormous opportunity for meaningful customer interaction and the ability to reach the consumer at the moment of decision making when the content can be the most useful and impactful. In order to create a successful engagement, the content must not only be timely but also highly relevant. Bankons offers aggregation technology that gathers pertinent offer data and matches it with transactions data through a Yodlee integration. Understanding the consumer’s past behaviors by matching transaction data with geo-location data makes this possible.

Contacts:

Bus. Dev. & Sales: Joshua Greenough, [email protected]
Press: Andrea Roesch, [email protected]

How they describe themselves: Bill.com is a web-based service that makes it easy for small and midsized businesses to pay smarter and get paid faster. They streamline all the cumbersome, manual processes that businesses perform to manage their cash flow and help them save 50-75% of the time they spend managing their finances, and help them get paid 2-3x faster.

How they describe their product/innovation: Bill.com will be demonstrating their integrated Receivables product, which enables businesses to get paid 2-3x faster. They’ll also show how the Bill.com Network enables massive efficiencies for a business as well as their customer/vendor ecosystem.

Contacts:

Bus. Dev.: Christy Ross, VP Business Development, [email protected]
Press: Jeff Schultz, VP Sales and Marketing, [email protected]
Sales: Roger Horwitz, Director Sales, [email protected]