How they describe themselves: BillFLO measures the real-time financial pulse of small businesses to answer the questions that owners most want to know: Exactly how much money do we owe today and to whom? When will we get paid? Are our actions today going to make us money tomorrow? BillFLO streamlines the accounts payable and accounts receivable process by providing a single electronic platform for sending and receiving invoices, tracking expense reports, and integrating with various accounting systems. Combining a simple user interface with sophisticated automation technology, billFLO helps small businesses eliminate the paper from these processes and monitor their expense, income and cash balance in real-time.

What they think makes them better: Every month, small businesses invest countless hours tracking expense reports, gathering up paper invoices, and pursuing the status of customer payments. Because their accounting systems just provide historical data, businesses must engage in a never-ending paper chase as they attempt to build an accurate picture of their current and projected cash-flow. Using proprietary technologies, billFLO automates the data-gathering process and uses this information to provide a forward-looking, dashboard view of cash flow for small businesses. BillFLO empowers owners to take action before, not after, cash-flow issues arise.

billFLO also increases productivity by integrating with Gmail, smart-phones and popular accounting systems to ensure seamless flow of the expense report, bill and invoice data through image capture, approval and ultimately into the accounting system.

Contacts:

Bus. Dev. & Sales: Ian Sweeney, CEO, [email protected], (510) 339-1690
Press: Debbie Pfeifer, [email protected], (206) 669-3580

How they describe themselves: BillFloat is the first solution to allow consumers to conveniently obtain ‘more time to pay’ recurring bills.

Consumers use BillFloat to get up to 30 days more to pay any one of over 3,000 billers. When clicking the ‘Extend My Bill’ button on www.billfloat.com or on their biller’s payments portal, the consumer is invited to complete a simple online form. Applying a proprietary multi-tiered decisioning engine, BillFloat accepts or declines the consumer’s request in real time.

Once accepted and verified, BillFloat pays the consumer’s bill, and later debits the amount due, plus BillFloat’s service fee, from the consumer’s bank account.

What they think makes them better: BillFloat is the first micro-credit solution for consumers who are seeking a convenient and cost-effective way to get ‘more time to pay’ recurring bills.

Cash-strapped consumers use BillFloat to avoid late fees, overdraft charges, service termination, and exorbitant payday loans. Billers accelerate their cash flow with BillFloat’s simple to implement, compliant and secure system.

BillFloat provides a unique level of convenience to consumers and billers through its flexible payments platform. Billers, banks, and financial services providers can offer BillFloat to their customers via any web-connected channel. BillFloat’s field-tested API also provides multiple integration options with existing biller payment systems.

Contacts:

Bus. Dev. & Sales: Robin O’Connell, VP Business Development, [email protected], 415-265-5128
Press: Peter Mansfield, VP Corporate Communications, [email protected], 310-245-9600

How they describe themselves: BillShrink is a free, decision-oriented site that helps users discover and select the best money-saving options on their everyday bills. The company tracks more than 10 million cell phone plan and TV package combinations, 300 bank rates, 240 credit cards and 150,000 gas stations to deliver comprehensive recommendations on how to lower bills and earn the most on savings.

After answering a few simple questions about spending and usage behavior, users receive unbiased savings recommendations tailored to their unique needs. BillShrink then continues to keep users informed by alerting them of price, plan and benefit changes in the marketplace.

What they think makes them better: BillShrink provides free, unbiased and objective recommendations to help consumers save on cell phone plans, bank rates, credit cards and gas. Our methodology for collecting data (such as cell phone plan pricing, features, terms, limitations, add-ons, phones, etc.) and the algorithms underlying the recommendations are applied to vendors to help people make apples-to-apples comparisons for the products and services they need.

Contacts:

Bus. Dev.: Casey Newton, VP Sales, [email protected], 650-866-5900
Press: Diana Dozier, Group SJR, [email protected], 646-217-0431

How they describe themselves: Blaze Mobile Wallet enables consumers to purchase goods with their cell phones at millions of retailers (e.g., McDonald’s, 7-Eleven, AMC Theaters, etc.) nationwide. A simple wave of your cell phone over the POS terminal is all it takes to pay at checkout. Consumers can use their existing cell phone by affixing Blaze Mobile’s patent pending NFC sticker to their phone. In addition to making in-store purchases, consumers can use their Blaze Mobile Wallet to purchase event tickets, manage bank accounts at any of the 8,000 supported financial institutions, check reward points, and receive real-time proximity-based coupons over the air.

What they think makes them better: Blaze Mobile has contactless payment (patent filed in 2005), mobile ticketing, one-stop loyalty cards management, proximity-based real-time coupon delivery, search, directions and maps.

Contacts:

Bus. Dev. & Sales: Gwen Edwards, EVP of Business Development, [email protected]
Press: Eric Blackerby, Director of Marketing, [email protected]

How they describe themselves: Bling Nation mobile payment services lets consumers simply tap their mobile phones to pay for purchases and instantly redeem loyalty incentives at the point of sale. A BlingTag adheres to the mobile phone, supporting secure debit payment and loyalty programs. Bling Nation streamlines payment processing costs by eliminating processing middlemen, while giving customers real-time transaction and account balance information. Businesses can improve profitability by reducing processing costs and can tailor loyalty programs to reward customers and support “shop local” programs.

Contacts:

Sales: [email protected]
Press: [email protected]

How they describe themselves: Bundle is socially informed money management, using data and community to provide real comparisons and answers about how other people spend and save money. With Bundle, users can see how a person in their specific situation (age, income, household status, location) spends money, they can track their daily financial activity across multiple financial institutions, and they can set realistic budgets and goals for the future. Using one of the most extensive collections of free consumer spending data on the web, Bundle aims to add unprecedented context to daily financial decision-making.

What they think makes them better: Bundle’s strengths start in the data and the community. Users get access to contextual data that matches their behavior based on age, household status, income level and location, down to the zip code in many major cities. This data creates intelligent recommendations and sets benchmarks offering context that has never been available in such depth. Users then set real budgets and make decisions using the data-driven benchmarks that apply to their lives. Additionally, Bundle’s community of users, editors and contributors offer real-life and actionable advice that can help people make better choices about how to spend, save and get organized.

Finally, Bundle’s thoughtful design and simple UI make for a web application that is remarkably clear and easy to use.

Contacts:

Bus. Dev.: Mark Armstrong, Director of Content, [email protected]
Sales: [email protected]
Press: [email protected]

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

Our Daily Remittance Platform encompasses every aspect of the asset lifecycle: sales and marketing, predictive analytics, scoring, underwriting, customer service, risk management, reporting  and more, and integrates the merchant acquiring, merchant processing, small business lending and card issuance platforms of financial institutions via a modular design.

What they think makes them better: CAN’s Daily Remittance Platform is the only end-to-end asset lifecycle management system that facilitates and manages daily payment, remittance and collection methodologies for those extending capital or credit to small and mid-sized businesses.  The DRP platform:

• Enables users to “plug in” legacy data and systems as needed and use DRP’s flexibility to design their own portfolio performance in advance of going to market
• Monitors asset performance with real-time updates and adjustments
• 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. Robust reporting and dashboards are included
• Is available as a hosted service, an appliance, or as a licensed product

Contacts:

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

How they describe themselves: CashEdge is the industry leader in Intelligent Money Movement ® services, providing innovative payment solutions to financial institutions for their retail and small business banking customers. CashEdge’s services include mobile and online person-to-person (P2P) payments and small business payments. CashEdge currently serves over 600 leading financial institutions, including eight of the ten largest banks in the country. Visit us at www.cashedge.com.

What they think makes them better: Small Business Popmoney is the first electronic invoice and payments solution designed specifically for banks to better meet the needs of their small businesses customers with their online banking offering. The service allows small business banking customers to send and receive payments and conduct a variety of invoicing and payment functions, directly from their bank’s online banking portal or mobile application. It is the only solution in the marketplace that offers email and mobile payment options for small businesses, allowing businesses to invoice vendors and consumers without requiring or sharing account numbers.  It is also the only solution in the marketplace to allow a small business to send and receive both invoices and payments through a single, consolidated user interface.

Small businesses that bank with other Popmoney banks can leverage their existing accounts and relationships to send and receive money seamlessly; there is no need to set up new accounts and passwords, maintain separate balances, nor track payment activity through a new interface.  This enables users to centrally manage their money within their accounts at their bank, while at the same time benefit from the ease and convenience enabled by electronic email, mobile, and account payments.

Executives: Sanjeev Dheer (CEO & President), Carl D. Blandino (CFO), Rhonda Bassett-Spiers (COO), Amir Sunderji (SVP, Chief Risk & Payments Officer), Neil Platt (SVP & GM, US Banking), Thomas Roberts (SVP & GM, Brokerage and Wealth Management), David Cooper (VP, Product Development & CTO), Catherine Palmieri (Global Head of Product and Marketing)

Customers: Banking segment clients include Citibank, Bank of America, HSBC, First National Bank of Omaha and Boeing Employees Credit Union and others. Brokerage and Wealth Management clients include The Vanguard Group, Pacific Life, Cambridge Investment Research, and American Portfolios.

Partners: Fiserv, CheckFree, Corillian, Digital Insight, Online Resources, Open Solutions, Albridge Solutions, PNC Global Investment Servicing, eMoney Advisor, MoneyGuidePro, and Advisor Exchange

Contacts:

Sales, Bus. Dev. & Press: Catherine Palmieri, Global Head of Product and Marketing, [email protected]

How they describe themselves: ClairMail is the leading provider of mobile banking solutions for financial institutions. ClairMail’s platform allows banks to realize the strategic potential of mobile banking, driving customer loyalty, increasing revenue, and enabling cost-savings. Financial institutions can now reach 100% of their customer base and proactively deliver personalized content and actionable alerts (low balance, fraud), regardless of mobile device, carrier or banks’ back-end system.

What they think makes them better: ClairMail is the only mobile banking and payments solution that can deliver 100% coverage, 1:1 conversations, triple play convergence and cross-product, cross-channel orchestration. ClairMail’s platform integrates with any back-end system to obtain data and take action with its one-of-a-kind Mobile Connectivity Architecture, unlike competitors, whose mobile solutions are coded into the institution’s core or online banking system. ClairMail customers can reach their entire user base and leverage all aspects of the bank’s technology infrastructure thanks to the company’s future-proofed, comprehensive solution platform.

Contacts:

Bus. Dev.: Bob Adamany, [email protected]
Sales: [email protected]
Press: Gavin Skillman, LaunchSquad Senior VP, [email protected]

How they describe themselves: Credit Sesame is the new and best way to save money on your mortgage, loans, and credit needs. We give you the tools to take control of your finances, receive unbiased advice, borrow smarter, and monitor your credit and debt online, for free! Within minutes, our patent pending technology analyzes your entire debt situation and compares 5,000 scenarios against thousands of loans from major financial institutions, to uncover the best pre-qualified loans that meet your financial goals. Then we proactively monitor changes in the market and in your financial picture to deliver just-in-time alerts and product recommendations that maximize your savings.

What they think makes them better: Most consumers have great potential for savings and wealth building. However, there is no reliable resource to evaluate the thousands of available financial products against the consumer’s financial goals or deliver suitable and objective loan options.

We are the first company to aggregate consumer, product, and market intelligence all in one place and give consumers robust analytics to optimize what is best for them. Our patent pending algorithm, developed by Stanford scientists, analyzes 5,000 scenarios per customer, within minutes, to uncover best-matched financial advice. We help customers optimize their bottom line with powerful technology that was previously available only to banks and financial advisors.

Contacts:

Bus. Dev. & Sales: Adrian Nazari, CEO & Founder, [email protected], 650-539-4144 (office), 408-507-5352 (mobile)
Press: Jennifer Parson, Atomic PR, [email protected], 415-593-2433

How they describe themselves: Dynamics produces a paper-thin, flexible computer platform that can be utilized in a variety of applications such as next-generation payment cards. Dynamics has invented the world’s first fully card-programmable magnetic stripe that can be read at any existing magnetic stripe reader. The card itself can change any bit of information on this programmable magnetic stripe at any given time. The technology requires no change to the acceptance infrastructure or merchant re-education.

Contacts:

Sales, Bus. Dev. & Press: Chris Rigatti, Product Manager, [email protected], 412-369-4600

How they describe themselves: Backbase is the pioneer of Next-Generation Customer Experience Solution software that enables organizations to increase online conversion & sales and also streamline online self-service capabilities. Backbase specializes in creating engaging and delightful customer experiences for externally-facing B2B and B2C portals with its flagship Customer Experience Portal solution. Backbase was founded in 2003 as one of the first movers in the Rich Internet Applications (RIA) market space, giving the company a strong DNA in creating Next-Generation presentation layer solutions with a focus on optimizing online customer experiences.

What they think makes them better: Backbase allows financial institutions to develop online retail banking portal experiences for the iPad Generation. The way online consumers interact with retail banking institutions is changing as customer experience is more relevant and important than ever. The iPad represents a significant paradigm shift in online user interactions as well as the future direction of online customer experience. The Backbase Customer Experience Portal solution allows retail banks to optimize their online customer experience and introduce rich, compelling interactions to captivate consumers with next-generation experiences for their high-frequency, high-intimacy portal applications.

Contacts:

Bus. Dev. & Sales: David Singh, VP of Strategic Accounts, 415-297-0120, [email protected]
Press: Limor Raz, VP of Marketing, 415-896-6020, [email protected]