How they describe themselves: Braintree helps merchants process payments with their card-not-present platform. Braintree’s bundled solution includes a payment gateway, merchant account, credit card storage, recurring billing, and cutting edge approaches to reduce the scope of PCI Compliance and increase security. Developers of all types – mobile, gaming, online – leverage their platform’s flexibility to seamlessly and securely interact with their customers.
How they describe their product/innovation: Braintree will be demoing their Transparent Redirect and CNP End-to-End Encryption solutions. Both solutions reduce PCI Compliance by up to 90%, don’t require a hosted page, and power the full range of payment flexibility including storage, updates, recurring payments, and refunds. With Transparent Redirect, transactions can be processed and approved immediately. With End-to-End, data can be encrypted and stored on site at the moment the customer enters it, without requiring immediate transmission to the payment gateway. Between the two solutions, merchants can process payments either synchronously (TR) or asynchronously (E2E), depending on their business needs.
Contacts:
Bus. Dev. & Sales: Eric Johnson, VP Business Development and Sales, [email protected]
Press: Monica O’Brien, Marketing Director, [email protected]
How they describe themselves: Bundle is a personal finance site that uses data — including billions of credit card transaction records — to help American consumers make smarter decisions with their money. With its groundbreaking money management and peer comparison tools, Bundle provides its users with the context needed to develop an informed understanding of where their money is going, to help them budget better for the future and spend better today.
How they describe their product/innovation: The web today is overflowing with user opinions on every restaurant, shop, and salon. Though these customer reviews can be useful, it can also be difficult to determine which ones are trustworthy enough to use in our decision-making. Bundle’s new merchant recommendation tool simplifies this process by presenting consumers with a new, more efficient way of discovering and researching merchants. Rather than relying on user-generated reviews, we use detailed, anonymized transaction histories from 20 million Citibank credit cards. The result is a tool that provides users with data-driven recommendations on where to dine and shop based on other merchants they like and others’ spending habits.
Contacts:
Bus. Dev.: Mohamed Khalil, [email protected]
Press: Lauren Wilk, [email protected]
How they describe themselves: ChargeSmart is an alternative payment solution enabling card acceptance at no cost to the biller, allowing businesses to meet their customers’ card payment preferences without the expensive fees and technical challenges associated with traditional card acceptance programs.
How they describe their product/innovation: ChargeSmart will demo the first online bill payment service to enable customers to use gift cards from third-parties as a form of payment.
Contacts:
Bus. Dev.: Paul Warrin, VP Business Development, [email protected], 415-974-5100
Press: Sarah Wroble, William Mills Agency, 678-781-7236
Sales: Tim Brinkman, CEO, [email protected], 415-974-5112
How they describe themselves: Clovr Media delivers Loyalty 2.0 to the financial services and digital media ecosystems by bridging the gap between credit/debit card loyalty and interactive advertising . Clovr Media has built the first platform converting traditional banner, text, video, or mobile advertisements into Card Linked Offers (CLOs). Find out more at www.clovrmedia.com.
How they describe their product/innovation: Clovr Media’s platform allows consumers to link offers (i.e. “Save 10% on next purchase” or “Save $5 the next time you shop”) directly to their existing payment cards, both credit and debit. Consumers receive the associated financial savings as a credit to their payment card account upon purchase of the promoted good or service with their registered payment card. Consumers register their cards through their financial institution (bank) relationship or on an independent basis the first time they link an offer through an advertisement. After a one time registration, they will be able to link offers they see in a variety of different digital environments including traditional online and mobile banner ads, offer destination sites, and e-mail subscriptions/notifications. An online user interface allows users to view the offers they have selected, browse additional offers, and customize their overall individual experience.
Contacts:
Bus. Dev., Sales: Doug Spear, EVP, [email protected], 401-864-5317
Press: Molly Galler, Account Executive, Racepoint Group, [email protected], 781-487-4611
How they describe themselves: Code Green is focused on producing innovative, interactive, and data-driven marketing technologies exclusively for financial institutions. Code Green’s customers are located all over the US and range in size from $20 million in assets up to $40 billion in assets. One of their most popular products is BranchMap. This marketing and informational website tool is focused on convenience – one of the main reasons people choose a financial institution. BranchMap presents all your branch and ATM locations as well as your surcharge-free ATM networks and shared branches in one interactive search and mapping tool inside your site, in your mobile banking site, and inside your mobile apps.
How they describe their product/innovation: Ratecast was inspired by many conversations with marketing and lending executives at financial institutions. Perhaps the least organized and most error-prone task they face is the management and marketing of their lending and savings rates, which requires frequent labor-intensive updates in many different places. Ratecast allows all rates and fees to be easily updated in one place – an intuitive management interface. Then it allows the FI to automatically publish that rate information in real-time through a growing library of marketing tools and APIs that can reach print, web, calculators, banners, social networks, lobby displays, mobile, competitor comparisons, and more.
Contacts:
Bus. Dev., Sales & Press: Jason W. Green, [email protected], 301-652-1245
How they describe themselves: Corduro is passionate about simplifying the challenges for SaaS providers and reducing payment fees for merchants. Corduro has developed a suite of cloud services that enable agile payments for traditional retail, Internet and now mobile. Corduro is enabling the next generation of payment services.
How they describe their product/innovation: Corduro is pioneering social payment mobilization. Imagine a world where you walk into Starbucks and check-in using your mobile app. Your Facebook status updates, and the menu appears on your phone. With the touch of your finger you order your favorite drink and authorize payment. There’s nothing more to do but wait for your name to be called. You never stand in line and never pull out your wallet. Corduro’s mobile application and cloud services make this possible today for any consumer and any organization. What they haven’t done is land a deal with Starbucks. Not yet.
Why would Starbucks or any merchant find this interesting? They just learned something that they never had before – instant behavioral data on who’s in their store and what they purchased.
But there’s an even bigger thing going on at Corduro that just might be the game changer for everyone who participates in the network. Corduro enables people that are passionate about causes to participate in accepting payments directly from their mobile device. Charities call these very special people volunteers. Similarly, Corduro enables people to be a sales agent for products, like a book on Amazon that they are passionate about. Corduro’s system is the first of it’s kind to actually enable organizations to connect and organize their volunteers and sales people in real time.
To learn more go to Corduro.com or MobilizeYourArmy.com
Contacts:
Bus. Dev.: Robert Ziegler, CEO, [email protected], 888-247-1886 x100
Press: Stephanie Gnibus, GMK Communications, [email protected], 408-776-9727
Sales: Mike Tobias, SVP Sales & Marketing, [email protected], 888-247-1886, x169, Tony De Bruno, VP Merchant Services, [email protected], 888-247-1886 x156
How they describe themselves: Currensee is the alternative investment service that puts the power of world currency markets in the hands of every investor. With the Currensee Trade Leaders™ Investment Program, investors build their own automated trading portfolios of Trade Leaders, top foreign currency traders hand picked from the thousands of members of the Currensee social network. The program offers investors an alternative to traditional asset classes. Currensee delivers complete account control to investors, who can see every trade in real time, manage and modify investment allocations with one click and benefit from the safety and security of proprietary online investing technology.
How they describe their product/innovation: Currensee Portfolio Builder™ enables investors to build, preview and test sample portfolios derived from the Currensee Trade Leaders Investment Program. It delivers a new level of transparency to investors by giving them the tools to build diversified portfolios based on actual historical performance and risk. In addition, investors can track these portfolios before making an investment. The product innovation is essential for investors’ success because it provides transparency through the ability to visualize the tradeoffs between performance and risk, along with control through the capability build a portfolio that is properly diversified and matches their risk appetite.
Contacts:
Bus. Dev., Sales: Brian Glantz, VP, Global Head of Sales & Business Development, [email protected], 201-266-6325
Press: Steve Vittorioso, [email protected], 781-791-4557
How they describe themselves: doxo is pioneering the way that people connect and go paperfree with their service providers. doxo provides a free online digital file cabinet that makes it simple for consumers to receive, manage, pay, and file all their bills and other important documents from multiple service providers, all in one place with one password. For businesses, doxo breaks through the barriers to paperless adoption, saving billions of dollars in printing, paper and postage costs, increasing customer engagement, and dramatically reducing environmental waste.
How they describe their product/innovation: The doxo Control Panel gives providers a self-service tool that puts them directly in touch with their customers. The web-based interface enables providers to actively manage customer connections, deliver documents, receive payments, and view the history of activity with each individual connected customer. Providers also use the Control Panel to directly manage their brand via their provider profile, post updates to customers, and even tie in with their other social media channels like Twitter. The doxo Control Panel can be used by companies of any size, and requires no IT resources or system integration to get started.
Contacts:
Bus. Dev.: Roger Parks, VP Business Development & Co-Founder, [email protected]
Press: Jenny Davis, Account Supervisor, Dotted Line Communications, [email protected]
How they describe themselves: Dwolla is the first and only online, mobile, and social peer-to-peer payment platform. The new cashed-based Dwolla network, which allows users to circumvent costly traditional credit card networks, leverages social communities (Facebook and Twitter) and location-based cell phone payments to disrupt the current payment industry. Dwolla also offers a tiered banking services product, called FiSync, which provides financial institutions customized synchronization of users accounts with Dwolla’s technology. When fully integrated, members of partnering institutions have seamless and instantaneous access to their account’s funds to pay for goods and services via their cell phone in real-world environments, just like cash. Dwolla transactions only cost 25 cents, regardless of how high the amount is.
How they describe their product/innovation: Dwolla will be discussing FiSync, a new banking product for financial institutions that empowers account holders with Dwolla technologies, one of which will remove ACH wait times and allow for instant cash-based mobile payments. It’ll also be unveiling its revolutionary new data aggregator, the FiSync Dashboard. The new technology will yield unimaginable insight into consumer behavior never before available to financial institutions.
Contacts:
Bus. Dev., Sales: Charise Flynn, COO, [email protected], 515-280-1000
Press: Jordan Lampe, Communications Director, [email protected], 515-250-4616
How they describe themselves: AcceptEmail enables simple & secure e-billing and payment utilizing the power and universal reach of email. Smartpix dynamic images convey the current bill status, resulting in a comprehensive and friendly user experience in the customers’ inbox. In a 3-click process bills are paid straight from the email without manual data (re)entry, resulting in full process transparency & control for the payer. Apart from improved customer service the biller realizes lower DSO (because customers pay faster) and reduced collection costs. AcceptEmail also supports credit management (reminders / e-Dunning) and smart SEPA Direct Debit notifications. The service is applied in various stages of the invoice-to-cash process. Low implementation requirements result in easy deployment. AcceptEmail is available throughout Europe (in 2011 also in the US and Asia) in combination with many online payment methods and also debit – and credit cards.
What they think makes them better: The real time generation of images conveying a 100% accurate status of an e-bill in the mail is patented and unique. The comprehensiveness of the service is a differentiator; each biller is provided with real time information in a dashboard on all the transactions, including information whether an AcceptEmail has arrived has been opened by the receiver, clicked and paid. Furthermore a web form application is available for creating individual transactions on the fly e.g. from call centers.
Contacts:
Bus. Dev.: Bert Verelst, Business Development Manager, [email protected]
Press, Sales: Peter Kwakernaak, CEO, [email protected]
How they describe themselves: Backbase delivers next generation portal software with powerful Bank 2.0 functionalities to turn your online channel into a Customer Engagement Platform. With Backbase you can manage both regular web and mobile optimized portals from a single platform. Backbase helps financials to upgrade their outdated portals without replacing the underlying banking and transaction systems.
Contacts:
Press: Jelmer de Jong, Marketing Manager Europe, [email protected], +31204658888, +31623026012
How they describe themselves: BOKU is a provider of direct mobile payment solutions, allowing consumers in 65 countries to make purchases online using their mobile phone number. The BOKU service works across more than 220 different mobile carriers. The service enables online payments for consumers worldwide, and has a presence in North and South America, Europe and Asia.
BOKU mobile payments provide a mechanism for payments that are highly secured and simple to use. In addition, mobile payments enable unbanked consumers who may have a mobile phone, but no credit card or traditional bank account, to make purchases online.
How they describe their product/innovation: The BOKU service enables merchants and publishers to drive incremental revenue by offering carrier billing as a payment option to their customers. The process for making a payment is simple and convenient – users simply click BOKU to purchase and then 1. Enter their mobile number, 2. Receive a text message to confirm, and 3. Reply with the letter “y.”
Contacts:
Bus. Dev.: Ron Hirson, Co-Founder, SVP of Marketing & Business Development, [email protected]
Press: Gregg Delman, Media & Marketing Strategist, [email protected]
