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]

How they describe themselves: BusinessForensics offers an Integrated Enterprise suite for managing Risk, Fraud and Compliance.

The BusinessForensics suite allows organizations to detect and prevent fraudulent transactions, mitigate risk and monitor mission critical operations & services by advanced information analysis, real time monitoring, profiling from both internal and external information sources.

Handling exceptions and incidents is fully integrated and customizable through forensic case management and reporting.

Typical customers are banks, insurance companies, telecom operators, agencies involved in social security, public utilities, e-commerce organizations and government agencies maintaining regulatory measurements and public safety.

How they describe their product/innovation:

• Closed loop solution; Fraud and Risk Detection, Investigation and Case management in one solution.
• Unique Transaction Profiling mechanism. High speed detection, even of unspecified anomalies without programming.
• Co-existence with your existing fraud detection algorithms.
• Unique forensics data warehouse structure allows maximum agility.
• (Graphical) Entity Link Analyses – discover hidden networks.
• Configurable, scalable open platform, no programming needed.
• One integrated platform for multiple fraud models and use cases.
• Zero impact on existing application landscape.
• Full forensic and compliance feature set included e.g. encryption of data, logging, versioning, integration of Google/Bing maps etc.

Contacts:

Business development, Sales: Rob J.M. van Eerden, Managing Partner, [email protected], +31 (0)6 21118010

How they describe themselves: For over 12 years, CAN has used leading-edge data, systems and technology, combined with its unique “daily collection” methodology, to deliver innovative financial products, services and technology solutions for the small and mid-sized business marketplace. “Daily” Remittances are revolutionizing small business financial services:

• Capital providers can diversify and mitigate risk plus accelerate payments.
• Small business cash flow is supported via smaller, more frequent payments instead of one lump sum monthly payment.

CAN’s Daily Remittance Platform (DRP) facilitates “Daily” Remittance, encompassing every aspect of the asset lifecycle: predictive analytics, scoring, underwriting, risk management and more, and integrates the merchant acquiring, merchant processing, small business lending and card issuance platforms of financial institutions via a modular design.

How they describe their product/innovation: CAN will be demoing an international version of DRP, a product agnostic set of interconnected modules that are interoperable with legacy systems and can be configured to risk parameters and yield calculations set by the users while managing all aspects of SMB finance asset generation and servicing. DRP and the wealth of data it collects and digests on the daily cash flows of SMB finance clients enables scoring, profiling and asset management to reduce the risk to SMB capital providers.

DRP can be set up for use in any geography, with customizable language, currency, accounting standard compliance, third-party information provider interoperability, address and phone number conventions, etc. Each module is equipped with extensive reporting and configurable dashboards.

Contacts:

Bus. Dev., Sales: Tom Burnside, COO, [email protected], 877-500-8282
Press: Diane Naczi, SVP Marketing, [email protected], 877-500-8282

How they describe themselves: Cardlytics Transaction Marketing Platform currently reaches tens of millions of consumers with offers from hundreds of retailers through participating financial institutions including Regions Bank, First National Bank of Omaha and FSV Payment Systems.

How they describe their product/innovation: Cardlytics Transaction Marketing Platform unites banks and retailers to provide rich rewards to customers based on their individual purchase behavior. It tracks consumers’ actual purchases, providing the first digital channel that can guarantee offline sales and help consumers realize savings of hundreds of dollars per year on the products they purchase every day.

Hundreds of retailers throughout the U.S. are leveraging the Cardlytics Transaction Marketing Platform for its precise targeting capabilities, the presentation of highly relevant offers to tens of millions of consumers within their trusted and secure bank statements (previously not accessible by marketers), and the precise performance tracking of campaigns.

The rewards improve consumers’ banking behavior by increasing usage, reducing attrition and strengthening engagement with online banking. Cardlytics’ multi-channel approach includes online banking, SMS, email, and mobile.

Contacts:

Marketing: Rod Witmond, SVP Product Management & Marketing, [email protected], 404-425-5957

How they describe themselves: Cortal Consors is an online brokerage and investment company focusing on serving mass-affluent customers with online and phone services that provide guidance and orientation in a personalized way.

How they describe their product/innovation: Cortal Consors will demo Hopee.fr, the first social network for stock picking. At Hopee, users can forecast the quote that a specific stock is supposed to reach with a system that then measures the reliability and accuracy of the forecast. The users are then benchmarked against each other and market experts in order to provide transparency. Each user is assigned a score that is a translation of their forecasting ability.

Contacts:

Press: Sandrine Ferré, [email protected], 00 33 1 47 38 94 47, Silvia Arto, [email protected], 00 331 47 38 80 40

How they describe themselves: ACE is a secure website providing comprehensive access to primary private placement transactions, including equity and debt private placements, private investments in public equity (“PIPEs”), as well as limited partnership interests in private equity funds, venture capital funds and hedge funds, to Qualified Institutional Buyers (“QIBs”) and Accredited Investors.  Placement agents for these transactions can use our site to increase demand and improve terms for securities offered by their clients, capitalizing on a broader investor universe, as well as manage the information flow of the transactions for regulatory compliance purposes.

What they think makes them better: ACE improves efficiency by allowing qualified investors to seek out private placement investment opportunities.  Active investors can seek out specific opportunities, based on their investment criteria, rather than relying on inbound calls from placement agents.  Smaller investors can access transactions they would not otherwise have learned about.  This results in better use of available capital and better terms for issuers.  ACE’s process ensures security of confidential information and tracks the flow of material non-public information for regulatory and compliance purposes.  Ultimately, ACE adds efficiency to what is currently a highly manual, labor-intensive process, benefiting Investors, Issuers, Placement Agents and Regulators.

Contacts:

Bus. Dev.: Peter Williams, President & CEO, [email protected], 646-213-1457
Sales & Press: Brendan Cahill, COO/CFO, [email protected], 646-213-1458

How they describe themselves: The ActivePath Email Banking System provides unique, patented, and secure, 2-way Internet and email banking capabilities, enabling customers to transact banking services via personalized email. ActivePath technology lets banks redefine and innovate their scope and caliber of banking services, and add event-triggered marketing and pro-active notifications that enable customers to take specific actions, like transfers, and payments, and more, via ActiveMail. Leveraging the email banking channel delivers significant and measureable ROI, while dramatically improving customer experience.

What they think makes them better: ActivePath enables banks to send customer alerts, product offerings, personalized and event-triggered marketing that empowers them to automatically and securely complete transactions, transfers, payments, rollovers, add new products, services, and more—via a simple ActiveMail transaction. Using ActivePath’s unique, patented 2-way Internet technology, banks can offer customers faster, more convenient banking anytime, anywhere via desktop, laptop, and mobile devices. Banks can redefine and innovate the scope, caliber and timeliness of their products and services using ActivePath’s secure channel to send transactional customer communications that can reduce costly printing, call center, brick-mortar interactions, and processing expenses, lower overhead and increase profitability.

Contacts:

Bus. Dev.: Robert Mehler, VP Business Development, [email protected], 646-452-9497
Sales: Rob J. Dorney, Senior Director, North America Sales, [email protected], 617-594-7000
Press: Grace Dunklee Cohen, Anthorne Group PR, [email protected], 603-428-6640

How they describe themselves: Backbase exists to create compelling user interfaces that solve today’s eBusiness problems. We combine advanced technology with major agency-level design expertise to create unique online customer engagement platforms for any bank, no matter what IT investments they’ve made to date. Our next-generation portal solutions fuel eBusiness revenues, foster online customer communities, and increase brand loyalty.

What they think makes them better: Most online banking experiences are stuck in the past.  To succeed in today’s Web 2.0 world, where banking customers expect dynamic online experiences, all financial institutions must make their online experience their primary competitive tool. Backbase Portal empowers eBusiness executives to attract and retain customers, while achieving improved customer touch-points.

Contacts:

Bus. Dev. & Sales: David Singh, VP of Strategic Accounts, [email protected], 415-297-0120
Press: Danica London, Marketing Manager, North America, [email protected] , 415-896-6020 x 105

How they describe themselves: Betterment is the simple and smart answer to the common question, “What should I do with my money?” We empower customers to invest in an optimal blend of stocks and bonds with minimal effort. We do this by making tradeoffs clear, giving questionnaire-based advice, and allowing customers to see how others like them invest. Betterment is a set-it-and-forget-it, no pain, smart investment.

To make the investing process seamless and easy, we have built an end-to-end platform that links to a customer’s checking account for free transfers, manages and rebalances portfolios of ETFs, handles fractional share purchases, and more.

What they think makes them better: Betterment is a revolutionary online savings service that is changing the way people invest money. We are the only online investment resource that provides both easy to use investments and smart advice. Our team has extensive experience in the financial services industry, so our customers don’t have to spend their weekends analyzing investments—they can confidently save with Betterment by simply choosing the level of risk they’re comfortable with.

Betterment’s customers also experience no transaction fees, no minimums or holding periods, plus free advice and rebalancing.  Our service calculates appropriate stock and bond allocations, uses insights from behavioral finance and psychology, and sets defaults to help people make better investing decisions and prevent them from making costly investing mistakes.

Betterment takes the stress and homework out of smart saving and investing.

Contacts:

Bus. Dev.: Eli Broverman, COO, [email protected], 212-228-1328
Sales: Jon Stein, CEO, [email protected], 212-228-1328
Press: Anthony Schrauth, SVP Product Development, [email protected], 212-228-1328