How they describe themselves: Wealthucate is a completely automated and affordable enterprise software that is changing the look of financial wellness programs. It can improve the participation rate of benefits, help employees to solve financial challenges and personalize your company’s benefit offerings. Explainer video: https://youtu.be/2wcrIIJCTy0

Wealthucate, Inc. is headquartered in San Jose, CA. It’s core team brings experience in FinTech and financial wellness from Google, Edward Jones, Intuit, GE Digital, MB Financial, LendKey, TuneCore, AmericanExpress, and LearnVest.

How they describe their product/innovation: Wealthucate software offers a do-it-anywhere planning experience. Users just create an account and set up a profile – no human interaction involved. The app’s smart algorithm will use the profile to come up with personalized tasks that boost a person’s financial health.

Wealthucate makes it easy for employers to improve upon existing financial wellness programs. The software offers a configurable, scalable and secure answer to personalize the experience. In the past, employees were unsure if the benefits were relevant to them. Today, they understand why something is important and what action to take using company resources.

Check out wealthucate.com

Product distribution strategy: Direct to Business (B2B), through financial institutions, through other fintech companies and platforms

Contacts

Press: [email protected]

How they describe themselves: VRAY offers an omni-channel payment platform to payment processors and e-commerce providers on a white label basis. We enable consumers to shop seamlessly and securely across a wide variety of devices and platforms. The company markets its technology directly to companies that service merchants and financial institutions. VRAY has the dual benefit of increasing shopping cart conversion and securing the payment card data with EMVco standard tokens which operates within the existing infrastructure of the payment system.

How they describe their product/innovation: VRAY is going to demonstrate an e-commerce transaction that takes place in a cross-platform experience leveraging the EMVco standard token installed on a smart phone. The user experience is fluid as the shopper is not required to manually input payment card data while shopping on a laptop computer – but the tokenized data is submitted for authorization after the consumer authenticates with the thumbprint on the smart phone. The secure transaction does not expose true card PAN data thus protecting the data from compromise. Unlike other payment paradigms – VRAY is able to facilitate transactions across various device manufacturers and operating systems.

Product distribution strategy: Direct to Business (B2B), through financial institutions

Contacts

Bus. Dev., Press & Sales: Elan Mevasse, [email protected], 424-272-0457

How they describe themselves: Zuma emerged to address the large & under served lending market which is limited by high costs and lack of automation. Zuma’s automation enabled lending platform allows institutions to tap new markets, offering lenders the ability to focus on a particular sector. As a white-label product, Zuma is in discussion with banks and alternate liquidity providers that have expressed interest in the platform.

The lending marketplace will allow institutional investors to register & utilize auto-invest algorithms to match their institution’s risk & sector preferences, allowing for portfolio diversification. The marketplace will consist of 5 borrowing sectors – Business-(including ZLS), Mortgages, Personal, Government-sponsored & Auto.

How they describe their product/innovation: An invoice financing marketplace that enables businesses to receive upfront cash advance payments for their outstanding invoice. Zuma helps business owners overcome short-term cash flow gaps, so they can focus on daily business operations. Import invoices using the OCR engine or from QuickBooks.

For Liquidity Institutions, ZLS serves as a platform to make invoice financing a more cost-efficient and transparent process; from borrower acquisition to credit decisioning and payment settlement. We make it more profitable to diversify your portfolio into invoices as an alternative low-risk asset; the auto-invest machine learning algorithms match your institution’s risk preferences to invoice investments.

Product distribution strategy: Direct to Consumer (B2C), Direct to Business (B2B), through financial institutions, through other fintech companies and platforms, licensed

Contacts

Bus. Dev.: Ben Sullivan, Product Manager, [email protected], 310-401-3086, Jito Chadha, Partner, HGM, [email protected], 310-401-3069
Press: Ben Sullivan, Product Manager, [email protected], 310-401-3086
Sales: Vika Arkhipova, Sales, [email protected], 207-512 0114

How they describe themselves: Windward Studios makes reporting and document generation software that allows companies to connect document templates to multiple data sources for high-volume output in a variety of formats. Our solution offers unmatched design control and best-in-class document generation capabilities at a fraction of the cost of custom development.

Applications include automated output of: Reports, Statements, Forms, Contracts, Proposals, Invoices, Presentations, and more.

Windward’s customers span many markets and are particularly strong in Financial and Insurance applications.

How they describe their product/innovation: Windward Studios is introducing Report Designer, Online Edition at FinovateSpring. Windward is bringing the power and flexibility of it’s industry-leading reporting and document generation software to your favorite browser.

Report Designer, Online Edition is ideal for companies with SaaS and Web-based applications, and provides a familiar environment for end-users to be able to design and edit data-powered documents from their browser.

Product distribution strategy: Direct to Business (B2B), through other fintech companies and platforms, licensed

Contacts

Bus. Dev. & Sales: Donny Zwisler, Sales Director, [email protected], 303-499-2544 ext. 1188
Press: Robert Nendza, VP Marketing, [email protected], 303-499-2544 ext. 1174

How they describe themselves: YUKKA Lab provides fact-based actionable insights to the financial markets.  With YUKKA Labs Augmented Language Intelligence – available as SaaS and via APIs – it generates a systematic and efficient overview of topics and trends observed in the financial media. YUKKA’s self-developed algorithms are leading edge, containing natural language processing and machine learning. Our solutions enable users from fields of asset management, market research, financial advisory, marketing and communication to handle the rapidly increasing amount of various financial data in real-time.

How they describe their product/innovation: Markets can often be anticipated by analyzing news. YUKKA Lab’s financial market sentiment is a real-time leading indicator. Our sentiment-technology anticipates trend reversals in advance, and thus, the news sentiments function as an early warning system. Our Newsflow Analyzer is based on pro-feeds of the largest European news agencies (such as awp, dpa-AFX). Users get insights about market-moving thematic contexts and learn about a market’s pain points and its success factors within a few seconds. This information is contextually visualized in fully reactive data graphs. The Newsflow-Analyzer presents an easy to grasp overview of sentiments in single markets, various regions, and indices, as well as industries and sectors.

Product distribution strategy: Direct to Business (B2B), through financial institutions, through other fintech companies and platforms

Contacts

Bus. Dev.: Oliver Berchtold, Chief Bus. Dev. & Co-Founder, [email protected]
Press: Ulrike Grandi-Haferstroh, Head of Marketing & Communication, [email protected]
Sales: Micha S. Behrmann, [email protected]

How they describe themselves: Yoyo is Europe’s fastest growing combined payment and loyalty marketing platform. Through its omni-channel point-of-sale network, Yoyo delivers the most frictionless payment and loyalty experience for consumers, whilst providing retailers with the tools to better engage, reward and retain their customers.

How they describe their product/innovation: With open banking only just coming into force, Yoyo’s the first company to tap into debit/credit card payment data to instantly apply a retailer’s loyalty points, stamps and other offers, whilst pushing an itemised receipt back into the card’s user’s associated banking app.

Already taking advantage of Starling Bank’s PSD2 compliant API, Yoyo can uniquely match card transactions with a retailer’s till transactions in real time, linking a customer’s basket with their card payment. We then apply our loyalty engine to the matched basket and frictionlessly reward the customer as if they had paid using the Yoyo app.

Product distribution strategy: Direct to Consumer (B2C), Direct to Business (B2B), through financial institutions, through other fintech companies and platforms

Contacts

Bus. Dev.: Michael Rolph, CEO, [email protected] CC: [email protected]
Press: Georgia Hanias, PR Manager, [email protected] CC: [email protected]
Sales: Michael Rolph, CEO, [email protected] CC: [email protected]

How they describe themselves: YellowDog was founded in January 2015 to offer Limitless Compute. Over the past three years, they have transformed the CGI rendering industry with their Limitless Compute Platform and amazing algorithms, dramatically reducing rendering times.

With over 1,000 businesses signed up to their platform in more than 30 countries, YellowDog is scaling up and out to disrupt the financial services industries with its award-winning technology.

Along with YellowDog’s strategic partners, which include the leading public cloud companies, YellowDog is transforming how fintech operates. Prospects now include some of the leading global investment banks, and this is only the beginning.

How they describe their product/innovation: YellowDog solves big batch processing problems in Financial Services.

YellowDog releases the huge latent potential in organisations’ existing computers securely and combines it with the option of public cloud, giving immediate and secure access to hundreds of thousands of cores with none of the hassle associated with multiple vendors.

The YellowDog Platform is securely installed within the current IT environment, allowing High Performance Computing clusters to securely extend to any underutilised compute. Need more compute? The YellowDog Platform can securely burst batch workloads to preferred public cloud providers to ensure batch processes always run on time.

This is YellowDog’s Limitless Compute.

Product distribution strategy: Direct to Business (B2B)

Contacts

Bus. Dev. & Sales: Jamie Donald, [email protected]
Press: Gareth Williams, [email protected]

How they describe themselves: Wealth Wizards is a true fintech company combining leading edge technology with expert financial planning. We’re building an ecosystem of online advice and guidance tools that are accessible to everyone, helping people plan and manage their personal finances.

We are pioneering the combination of fintech expertise, financial intelligence, AI and smart software technology to deliver expert advice at an affordable cost.

We partner with progressive financial services brands to run a white-label technology platform for their businesses. Our belief is that everyone deserves the opportunity to create a positive future and feel in control of their finances.

How they describe their product/innovation: Wealth Wizards are here to revolutionise the world of financial advice by working with advice businesses to reduce risk, costs and service a growing client base. The most recent breakthrough in our innovative journey is ‘turo’, the AI financial adviser.

Learning from past at-retirement Defined Benefit cases, ‘turo’ is able to provide fully regulated financial advice with super-human accuracy. In seconds, a client receives a verdict about whether or not to transfer their Defined Benefit pension.

This is a ground-breaking example of how AI can augment a human adviser’s ability to produce robust and consistent advice at a fraction of the cost of traditional advice.

Product distribution strategy: Direct to Business (B2B)

Contacts

Bus. Dev. & Sales: Simon Binney, Bus. Dev. Director, [email protected]
Press: Georgina Pickerill, Marketing Manager, [email protected]
Emma Harvey, PR, [email protected]

How they describe themselves: Vipera is a leading-edge provider of omni-channel banking, payment and customer engagement solutions. Its digital solutions meet the daily needs of over 3million users, across Europe, the Middle East & Asia.  Vipera is quoted on the London Stock Exchange’s AIM and operates from offices in London, Milan, Zurich, Frankfurt, Madrid and Dubai.

Mastercard is a leader in global payments and a technology company that connects billions of consumers, thousands of financial institutions, and millions of merchants, as well as governments and businesses around the world.  We take an innovative, value-driven approach to the solutions we create and services we offer, making transactions faster, easier, and more convenient and secure.

How they describe their product/innovation: SME-Pay is a mobile payment solution designed specifically for SMEs.

Controls allow business owners to decide when, where and how all their business payment cards may be used: at ATMs, in-store, online and within set transaction limits.

Profiles can be created for different groups of staff: e.g. office staff may only make purchases online, field staff may only use their cards in-store.

The app takes photos of receipts and attaches them to the transaction record; transactions can be exported for expense reporting.

Using the dedicated mPos, cardholders can get paid directly onto their corporate card.

Product distribution strategy: Through financial institutions, through other fintech companies and platforms, licensed

Contacts

Bus. Dev. & Sales: Vipera – Simon Pearce CMO, [email protected], +44 (0) 7795 105 376 | Mastercard – Dick Paul, VP Small Business Products Europe, [email protected]
Press: Vipera – Fergal de Clar, Head of Marketing, [email protected], +44 (0) 7425 886 907

How they describe themselves: We’ve created a secure collaborative engagement solution to help the world’s leading banks & financial services institutions deliver an in-person experience online. Over 100 banks and financial institutes already trust our solution and have made it part of their service delivery strategy.

We provide banks with technology to enrich the digital experience of their clients by extending their customer’s touch points (live chat, LiveView chat, video chat, voice chat, messenger, etc.) and assist/advice them in context with tools like Co-browsing and Document Sharing. The result is a better customer experience and higher sales revenues.

How they describe their product/innovation: We will use Finovate to officially launch unblu 5, the updated version of our customer engagement and collaboration solution for the financial sector.  We will be demoing our new Secure Asynchronous Messaging capability and the unblu Concierge, which supports automated customer engagement flows.

These new channels enlarge existing live engagement & collaboration capabilities and allow banks to give a much more personalized experience to their customers as they allow to provide a Whatsapp like end-user experience while ensuring the communication is secured at banking standards and complies with GDPR and other data privacy regulations.

Product distribution strategy: Direct to Business (B2B), through financial institutions, through other fintech companies and platforms

Contacts

Bus. Dev.: Paul Swaddle, Partner & Alliances
Press: Javier Puga, Product Marketing
Sales: Patrik Hug, CSO, [email protected]