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Finovate Blog
Tracking fintech, banking & financial services innovations since 1994
A look at the companies demoing at FinovateFall in New York on September 11 and 12. Register today and save your spot.
Payitoff is a leading provider of embeddable tools designed to help turn consumer debt blockers into business outcomes.
Features
Link: Connect consumer debt accounts with a phone number
Guide: Provide the best next action to improve their financial outcomes
Act: Money-saving actions taken in-app by customers
Why it’s great
This debt guidance technology achieves remarkable outcomes while maintaining an efficient use of developer resources as a no-code solution with options for embeddable and API-first implementations.
Presenter
Bobby Matson, CEO & Founder Matson turned his student loan frustration into an automated debt management system, providing clarity to millions with the institutions they trust. LinkedIn
A look at the companies demoing at FinovateFall in New York on September 11 and 12. Register today and save your spot.
Fyle’s no-code expense management platform offers a modern fintech-like experience on bank-issued card programs.
Features
Real-time card integration with instant transaction data & notifications
Direct card enrollment (independent of banks, aggregators)
No code platform with no dependency on bank tech stacks
Why it’s great
Real-time card integration with transaction data and instant notifications via SMS.
Presenters
Yashwanth Madhusudan, Co-Founder & CEO With an extensive background in customer experience, Madhusudan has a passion for product development and solving problems that have a large scale business impact. LinkedIn
Sivaramakrishnan Narayanan, Co-Founder & CTO Narayanan has been part of two acquired startups and has authored 15 publications and 9 patents. LinkedIn
A look at the companies demoing at FinovateFall in New York on September 11 and 12. Register today and save your spot.
Union Credit is the first marketplace for credit unions to deliver firm credit approval and one-click loan activation to new members embedded within their daily activities.
Features
Helping credit unions promote their products to millions of credit-worthy consumers
Providing publishers/merchants with a new revenue source
Why it’s great
Union Credit will change the game for credit unions, helping them serve locally while also reaching into new markets with easy, one-click consumer lending.
Presenters
Barry Kirby, Co-Founder & CRO Prior to Union Credit, Kirby was the SVP and Managing Director of CuneXus. He has an extensive background in fintech and the credit union space. LinkedIn
Stefan Ionescu, Engineering Lead Ionescu is the engineering lead at Union Credit, driving the development of the company’s flagship product. Before that, he led the development of the innovative DecisionLender4 loan origination system at TCI.
A look at the companies demoing at FinovateFall in New York on September 11 and 12. Register today and save your spot.
NayaOne provides the fastest way for banks to work with tech providers.
Features
Find the right partner with 350+ vetted fintechs
De-risk integration upfront in 6 weeks
Build product propositions for customers with fintechs fast
Why it’s great
NayaOne is the fastest way to go to market with any tech provider.
Presenters
Karan Jain, CEO & Founder Jain is the former CIO of a multinational bank and a highly regarded technologist and practitioner now solving a problem in the market he experienced firsthand. LinkedIn
Oli Platt, Product Manager Platt is a data led product manager with a data science background driving NayaOne’s product development and adoption with some of the largest banks and the best vendors in financial services. LinkedIn
A look at the companies demoing at FinovateFall in New York on September 11 and 12. Register today and save your spot.
Agtools is a dynamic data science firm that delivers key, curated market data on thousands of commodities used by financial firms to mitigate risk in the lending process.
Features
Accuracy and speed of commodity analysis to optimize lending in the $178B agriculture and food market and the 23 aligned industries
APEX phenological weather patterns ASKS visibility on ESG metrics
Why it’s great
Agtools, winner of ML and AI awards, gives users visibility of major commodity trends, opening an opportunity in the $178B agriculture lending market.
Presenters
Martha Montoya, CEO With over a 30-year career, Montoya has held multiple C-level positions in the Supply Chain, Telecom, and Ag industries. LinkedIn
Charles Harrison, CFO Harrison leads compliance and financial growth, the key source of commodity market data. He’s a former North American GM for an international leader in the financial industry linked to hospitality. LinkedIn
FinovateFall is right around the corner (September 11 through September 13). If you still haven’t registered for our annual autumn fintech conference in New York this month, there’s no better time than the present. Visit our FinovateFall 2023 hub today and save your spot.
This week’s edition of Finovate Global highlights companies headquartered outside of the U.S. that will be demoing their latest innovations on the Finovate stage in just a few days. Get to know them here, then join them in New York live and in person for FinovateFall!
Connect Earth
Founded in 2021 and headquartered in the United Kingdom, Connect Earth enables financial institutions to offer their retail and SME customers insights into the environmental impact of their spending. LinkedIn.
Engage People
Headquartered in Toronto, Ontario, Canada, Engage People is a loyalty network that enables program members to pay with points directly at checkout. The company was founded in 2015. LinkedIn. X (Twitter).
eSelf
eSelf is building the next generation of client-financial institution interaction, enabling human-like conversations and efficient personalization. Founded in 2022, eSelf is headquartered in Israel.
FinTech Insights
Fintech Insights offers a comprehensive digital banking research platform. The company’s technology helps FIs build strategies and launch new features faster. Headquartered in London, the company was founded in 2010. LinkedIn. X (Twitter).
Flybits
Founded in 2013, Flybits enables FIs to deliver personalized digital banking experiences across mobile, web, and the Metaverse. The company is headquartered in Toronto, Ontario, Canada. LinkedIn. X (Twitter).
Fundica
Headquartered in Montreal, Quebec, Canada, Fundica is a government funding platform used by some of the largest FIs in North America to acquire and retain clients at scale. Fundica was founded in 2017. LinkedIn. X (Twitter).
Jaid
Jaid is an AI-powered platform build to enable the intelligent automation of business communications. Founded in 2018, Jaid is based in London, U.K. LinkedIn. X (Twitter).
LemonadeLXP
Headquartered in Ottawa, Ontario, Canada, LemonadeLXP is a digital growth platform that helps FIs and fintechs create effective training and support tools to maximize their investment in their technology. The company was founded in 2019. LinkedIn. X (Twitter).
MacroMicro
Founded in 2016 and headquartered in Taipei, Taiwan, MacroMicro empowers over three million investors worldwide to make personalized investment decisions through dynamic and insightful charts. X (Twitter).
NayaOne
NayaOne gives banks a single point of access to hundreds of fintechs, digital sandboxes, fintech-as-a-service offerings, and datasets. Headquartered in London, U.K., NayaOne was founded in 2019. LinkedIn.
SESAMm
Headquartered in Metz, France, and founded in 2014, SESAMm is an AI insight and ESG risk detection specialist serving the financial services industry. LinkedIn. X (Twitter).
Zero Bank Design Factory
Zero Bank Design Factory is developing and operating a banking system for Japan’s first digital bank, Minna Bank. Founded in 2019, the company is headquartered in Fukuoka, Japan. X (Twitter).
Here is our look at fintech innovation around the world.
Central and Southern Asia
India-based PhonePe Wealth Broking, a subsidiary of mobile payments app PhonePe, launched a stock broking app, Share.Market.
A new report from Elevation Capital and McKinsey India indicated that India’s fintech ecosystem could reach $70 billion in annual revenue by fiscal year 2030.
A look at the companies demoing at FinovateFall in New York on September 11 and 12. Register today and save your spot.
Purpose built for homeowners, Chimney Home provides data, tools, and portfolio insights needed to build lifelong relationships and generate more deposits and loans.
Features
Data to identify opportunities, monitor portfolios and speed up approvals
Proven digital engagement for mobile apps
Automated campaigns to cross-sell homeowners
Why it’s great
Homeowners can track home value, see available equity, and receive personalized offers within online and mobile banking, regardless of who holds their mortgage.
Presenter
Chase Neinken, Co-Founder Neinken is a new dad. He’s also an award winning tech founder and passionate about saving the planet. LinkedIn
A look at the companies demoing at FinovateFall in New York on September 11 and 12. Register today and save your spot.
The True Digital Platform helps banks and credit unions discover, qualify, implement, monitor, and troubleshoot vendors and their products.
Features
Discover, vet, and monitor vendors via FI-verified vendor data
Connect with peers for candid references
Compare tech stacks for integration compatibility
Why it’s great
The Platform is a conduit to collaboration in strengthening the relationships financial institutions have with technology, vendors, and each other.
Presenter
Patrick Sells, Co-Founder & CEO Sells is an award-winning entrepreneur, Digital Banker of the Year winner from American Banker, and thought leader in the financial services industry. He is a catalyst for change in how FIs innovate. LinkedIn
A look at the companies demoing at FinovateFall in New York on September 11 and 12. Register today and save your spot.
AI Squaredis a platform for product owners, data scientists, and enterprise leaders. It empowers them to accelerate predictive and generative AI projects, measure their benefits, then iterate and improve them to drive significant revenue growth and cost reduction.
Features
Speed to Market: Faster model LLM integration into business applications driving increased adoption of foundational models and LLMs across the organization
Increased Efficiency: Increased foundation model & LLM accuracy using feedback from end users to auto-tune
Built-In Privacy and Security: Designed with financial services organizations in mind, protecting the data for their organization and customers
Why it’s great
Data is a competitive moat and AI Squared helps users harness it with both predictive and generative AI.
Presenters
Michelle Bonat, CTO Bonat boasts two decades in finserv. Formerly an AI CTO and Head of AI Innovation at JPMC, she’s now shaping the next wave of financial AI innovation. LinkedIn
Andre Llewellyn, Advisory Board Member Llewellyn is an award-winning experienced marketing exec at AI Squared with previous roles at Instagram and P&G. He’s an expert in AI-driven marketing innovation. LinkedIn
A look at the companies demoing at FinovateFall in New York on September 11 and 12. Register today and save your spot.
Autobooks’Tap to Pay on iPhone enables businesses and non-profits to accept contactless payments, directly from the financial institutions’ existing mobile banking apps.
Features
Contactless payment acceptance
Available directly from financial institutions’ mobile banking apps
Payments deposited directly into customers’ existing accounts at FIs
Why it’s great
To lock in customer deposits and relationships, financial institutions need to offer easy ways for businesses and non-profits to accept online and in-app payments.
Presenters
Steve Robert, CEO & Co-Founder Robert helped found Billhighway, a financial platform for organizations, in 2003. After Billhighway was acquired in 2016, Steve founded Autobooks. LinkedIn
Derik Sutton, CMO Sutton is a product and marketing executive with a track record of helping to build, market, and sell products in the financial industry. Sutton joined Autobooks in 2018. LinkedIn
A look at the companies demoing at FinovateFall in New York on September 11 and 12. Register today and save your spot.
Synthetic ID fraud is the fastest growing financial crime category. This demo will show how Nuance’sGatekeeper detects artificial voices in real-time.
Features
By combining synthetic speech detection with voice and conversational biometrics, Gatekeeper provides a layered defensive countermeasure against AI-powered fraud attacks.
Why it’s great
Nuance has worked with the Microsoft Cognitive AI research team to detect the tiny differences that distinguish a computer-generated voice from a live human voice.
Presenter
Rachel Muench, Security & Biometrics Lead Muench’s expertise lies in helping FIs leverage biometrics for authentication and fraud prevention while delivering better customer experiences. LinkedIn
A look at the companies demoing at FinovateFall in New York on September 11 and 12. Register today and save your spot.
SRM Key Moments are customized experiences that load into existing apps to drive desired outcomes for card portfolios.
Features
Customized moments
Integratabtle into existing mobile apps
Configurable tech stack rules at every level
Why it’s great
SRM Key Moments is paying dividends for bank and CU issuers with 25%+ overall increase in transactions, $20-$40 per card per year in increased payment volume, and increased customer engagement.
Presenters
Chris Boncimino, Global Innovation Partner CEO, Key Moments Boncimino has 20 years leadership in global payments, financial services and product development. He’s an executive member of the Visa Asia Pacific Leadership Team, responsible for global development and solution delivery. LinkedIn
Bob Koehler, Chief Innovation Officer Koehler has 20+ years of experience in card portfolio strategy. He’s successfully led multiple high-value projects for clients negotiating with signature networks and is steeped in revenue growth programs for FIs. LinkedIn
