Finovate Spring 2018 - Day 2


Good day! Welcome to FinovateSpring 2018. I’m here at the Santa Clara Convention Center covering the demos.

In addition to two great days of demos I’m looking forward to days 3 and 4 of conference content and a panel session I’m hosting on Friday. This is either my 21st or 22nd Finovate; I’m not sure. I’ve participated in every US event except one as well as Finovate Europe last year. There are a number of great events in FinTech but this one I do my best to attend each year. If you are here at the conference feel free to stop by at the breaks, I’m on the front row or email me at

05:52 pm

FinovateSpring Recap Video

William Mills and Steven Ramirez put together a video recap of the demos at FinovateSpring 2018. Congratulations again to all of the presenters and Best in Show winners.

08:23 pm


Congratulations to the Best in Show winners: Conversation.One, Dynamics, Inc., Kasasa, Trusona and Alpharank!

06:38 pm

Well, that’s the last demo from the past two days.  We’ll circle back in about 90 minutes with Best of Show from FinovateSpring Silicon Valley 2018.
Check back soon and thank you for visiting our site.
William Mills

06:36 pm


Currencycloud, @Currencycloudcurrency cloud

  • Presenters:
    • Richard Arundel
    • Arshi Singh

Info: Currencycloud is helping merchants collect funds internationally through its Global Collections platform.

Last demo. “Moving money shouldn’t be hard.” Cross border payments. I like their concept. Showing front end web-based front end platform. Boy, I’ve used those words a lot this week.  This London-based FinTech company has raised more than million in funding to date.   I’m sure it’s popular with their current customers and will be with even more in the future.


Presenter Profile:

How they describe themselves: Currencycloud is a global payments platform built on smart technology that takes the complexity out of moving money. Developers use our API building blocks to build customized payment solutions. Whether you want to embed our payments infrastructure into your products or services, or build on top of it, we’ll fit into your business in a way that works for you.

We take care of all the intricacies and regulatory hurdles involved with cross-border payments, giving you the tools to globalize your business. Launched in 2012, Currencycloud is based in London and is regulated in Europe and the US.

How they describe their product/innovation: Global Collections gives you a ready-made collections product that issues your clients with local accounts to speed up payments in the US and Eurozone. A complete solution with a simple API integration. You can leverage our trusted platform and tailor your payments capabilities to give your clients and their customers a first-class experience. Free them from the complexities and inefficiencies of traditional cross-border payments.

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


Bus. Dev., Press & Sales:


Twitter: @currencycloud

HQ: London, UK
Founded: Currencycloud
Product Demoed: Global Collections
Metrics: Total fundraising: M, total processed payments: £25B, volume of payments: over 2M, number of clients: 220, number of partners: 40, number of countries 170+.

06:28 pm



  • Presenter
    • Ori Eisen

Info: Trusona Executive uses patented anti-replay technologies with a frictionless #NoPasswords experience to solve insecure and inconvenient static credential-based multi-factor authentication for financial institutions and banks.

I saw him in the past and he did a killer demo. They believe in “No passwords” He is showing a screen with Frank Abagnale from “Catch me if you can” fame and one heck of a nice guy. Check out their investors and the board/advisory board members. They are blue chip organizations and people.

Ori is doing a great job again. They have an SDK that uses consumers drivers’ license for authentication. Applause from the audience. He’s doing great once again. Great job Ori!


Presenter Profile:

How they describe themselves: Trusona is the global leader in identity authentication ensuring the True Persona behind every digital interaction. By eliminating all static credentials (usernames, passwords, OTPs) authentication becomes frictionless while thwarting the rise of cybercrime perpetrated through credential replay. Trusona’s #NoPasswords solutions can be used to authenticate both employees and consumers on any channel. Trusona is leading the #NoPasswords Revolution where there are no passwords to be created, remembered, stolen, or compromised – ensuring people are who they say they are and no one else can.

How they describe their product/innovation: Trusona Executive enables frictionless #NoPasswords multi-factor identity authentication at scale. The “Executive” level enables identity-proofing, step-up authentication using a person’s government issued ID. As all of Trusona’s solutions, Trusona Executive can be used to provide a consistent authentication experience across any digital channel – web, mobile, ATM, kiosks, TVs, call centers and support a variety of use cases including: account opening, login, compliance, KYC, and support center authentication.

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


Press: Karen Dayan, CMO,


Twitter: @trusona_inc

HQ: Scottsdale, AZ
Founded: May 2015
Product Demoed: Trusona Executive
Presenter: Ori Eisen (CEO & Founder)

Key Stats

  • Key Executives
  • Ori Eisen (CEO & Founder), Karen Dayan (CMO), Kevin Goldman (Chief Design Officer), Tim McCrae (CFO), Joe Taborek (SVP Sales), David Foster (VP R&D)
  • Key Board Members
  • Ted Schlein (KPCB), Elliott Robinson (Microsoft Ventures), Tom Gonser (Seven Peaks Venture Partners)
  • Key Investors
  • Kleiner Perkins (KPCB), Microsoft Ventures, Seven Peaks Venture Partners, 2M
  • Key Advisory Board Members
  • Frank Abagnale, Geoffrey Moore

06:22 pm

Geoffrey Moore

CU Collaborate, @cucollaborateCollaborate

  • Presenters:
    • Sam Brownell
    • Jason Hishmeh

Info: CUCollaborate’s eligibility validation solution, JoinCU, makes it easier for consumers to find, join and borrow from credit unions. Marketplaces can use it to include credit unions’ offerings and credit unions can use it to simplify their online applications. It establishes a referral network of and between credit unions.

I met Jason yesterday and was impressed with what he had to say about what they are doing. “Our product will level the field for credit unions with banks.” They have a solution that helps credit unions how they can grow their member base. They are show a mobile web-based screen to ascertain if someone qualifies to join various credit unions; whether it is place of employment and/or community credit unions.

I have business relationships with both banks and credit unions and respect the advantages of each type of financial institution.  I have never seen a solution to this problem that is exclusively related to the credit union industry. Good demo.


Presenter Profile:
How they describe themselves: CUCollaborate™ is a Washington, D.C.-based, independent, membership association FinTech for credit unions and their partners. CUCollaborate’s mission is to facilitate collaboration that helps credit unions accelerate their growth while reducing expenses and risk.

How they describe their product/innovation: JoinCU makes it easy for consumers to find, join, and borrow from credit unions. JoinCU allows credit unions to both compete in digital marketplaces and streamline their online applications, by greatly reducing or eliminating the friction and barriers caused by credit union eligibility rules.

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


Bus. Dev. & Sales: Sam Brownell, Founder,, 276-477-5077


Twitter: @cucollaborate

HQ: Washington, DC
Founded: June 2014
Product Demoed: JoinCU
Metrics: More than 1,200 credit unions already use our solutions.
Presenters: Sam Brownell (CEO & Founder), Jason Hishmeh (CTO)

Key Stats

  • Key Executives
  • Sam Brownell (Founder), Jason Hishmeh (CTO)
  • Key Advisory Board Members
  • Samantha Smyth Paxson (CMO, CO-OP Financial Services),Myles Bristowe (VP Marketing Strategy, PSCU), Lynn Gregory (SVP Marketing & Member Services, John Hopkins Federal Credit Union), John Sahagian (VP Marketing, BCU), Michael Ferraro (Executive Management Consultant, New York Credit Union Association)
  • Key Partnerships
  • New Jersey Credit Union League, MD|DC Credit Union Association, Utah Credit Union League, Nebraska Credit Union League, Hawaii Credit Union League, Montana’s Credit Unions, Vermont Credit Union League
  • Key Customers
  • We work with more than 1,200 credit unions.

06:15 pm


Roostify, @roostifyRoostify

  • Presenters:
    • Rajesh Bhat
    • Travis Kniffen

Info: Roostify uses an easily-configurable, API-based software solution to improve the mortgage process for consumers, lenders, and real estate professionals.

I’m sure I’ve seen these folks before and if I remember I was impressed. They were here four years ago – boy time flies. They help streamline home lending – community banks, credit unions up to one of the largest banks in the world use their technology (I’m guessing that’s one of their investors JP Morgan Chase).

Now showing Apple Tablet-based web-based platform moving to desktop platform. They have a partnership with Lending Tree.  Now showing a combo LendingTree and “Main Street Bank” use case.  This San Francisco-based company has raised more than million in funding from a number of investors.


Presenter Profile:

How they describe themselves: Founded by consumers looking for a better way to find a home, Roostify provides the industry’s leading digital platform for home lending. From enterprise banks to independent brokerages, dozens of lenders across the United States trust Roostify to speed up closings, reduce unnecessary work and give their customers a smooth, anxiety-free mortgage experience. Since 2014, Roostify has transacted over billions of dollars in mortgages and helped close hundreds of thousands of home loans nationwide.

How they describe their product/innovation: Roostify’s digital platform allows lenders to offer their customers a simple, transparent, efficient home loan experience. In the demonstration, Roostify will walk through how its platform enables digital customer acquisition, and how loan applicants can then self-serve through much of the loan process fulfillment.

Product distribution strategy: Direct to Business (B2B)


Bus. Dev.: Mark McLaughlin, VP Bus. Dev.,
Press: Laura Knight, Director of Marketing Communications,


Twitter: @roostify

HQ: San Francisco, CA
Product Demoed: Roostify
Presenters: Rajesh Bhat (CEO & Co-Founder), Travis Kniffen (Senior Manager, Pre-Sales Solutions)

Key Stats

  • Key Executives
  • Rajesh Bhat (CEO & Co-Founder), Sandeep Aji (VP Products), Iyad Darcazallie (COO), Frank Gelbart (CRO), Jesse Decker (VP Services), Adnan Habib (VP Engineering), Jeffrey Brom (VP Compliance), Mark McLaughlin (VP Bus. Dev.)
  • Key Investors
  • ota Capital, Santander InnoVentures, Point72 Ventures, JPMorgan Chase, Colchis Capital, A subsidiary of USAA

05:21 pm

Time for a short break; we will be back at 3pm PST for the last round of demos. An hour or so after the last demo they will announce the “Best in Show” winners.

I’m a big fan of Finovate events and I can tell you that it’s HARD to be accepted to these events; especially the FinovateFall event in New York.  I’d say all of the presenters are winners as they were selected by the Finovate team as the most interesting organizations to present to this high level group financial industry executives.

Check back at 3pm PST/6pm EST for more live blogging from FinovateSpring California and then later the “Best in Show”.

05:16 pm

  • Horizn,
  • @horiznplatform
  • Presenters:
  • Steve Frook
  • The Horizn Knowledge Platform helps financial institutions dramatically accelerate digital adoption of innovation and new products at lighting speed.


Pretty cool pitch. “We increase digital adoption by 25%” It looks like RBC is a big bank customer.  Now showing a demo of the training a bank employee would learn about the platform via a wide variety of devices and platforms.  They have a good idea that I don’t recall seeing before. There are tons of great consumer apps that FI’s roll out that never get adoption. I’m sure Celent or others have published data but in summary the larger the bank the higher the percentage of their customers using their mobile technology. WAY HIGHER than smaller financial institutions.

Now showing use case example with US BANK with a call center example. This may be one of the best demos of the day. Great demo, thank you!

How they describe themselves: The Horizn Knowledge Platform helps financial institutions equip employees and customers with the knowledge they need to increase digital adoption and improve the customer experience. Exciting news from Horizn! The Royal Bank of Canada (RBC) has won the Celent Model Bank 2018 award for Employee Productivity utilizing the Horizn Knowledge Platform. Horizn operates globally and is live with 400K employees and accessible by 60+ million bank customers. Using the Horizn Platform, banks globally increased mobile adoption by 25% and brought call centre times down 45 seconds. Banks using our in-branch demo module with non-digital customers, converted 20% to mobile banking.

How they describe their product/innovation: The Horizn agile go-to-market platform provides a revolutionary approach to micro-learning with elements of gamification and proven measurable results. The Horizn platform is being used with bank employees, in branch, with the call center and directly with bank’s customers through three scalable platforms: Horizn Employee Knowledge Platform, Horizn In-Branch, and Horizn Knowledge Platform. Together, these platforms provide financial institutions with the infrastructure to support rapid digital deployments. Each time a bank launches a digital capability to customers, it’s essential employees understand how the capability works.

Download the RBC Celent Case Study:

Product distribution strategy: Direct to Business (B2B)


Bus. Dev.: Steve Frook, VP Sales,, Janice Diner, CEO,
Sales: Steve Frook, VP Sales,


Twitter: @horiznplatform

HQ: Toronto, ON, Canada
Founded: Horizn
Product Demoed: Horizn
Metrics: 53 employees
Presenter: Steve Frook (VP Sales)

Key Stats

  • Key Executives
  • Janice Diner (CEO), Robin Dindayal (COO), Steve Frook (VP Sales)
  • Key Board Members
  • Janice Diner (CEO, Horizn), Charlotte Burke (SVP, SM&P, Microsoft Canada), Robert Rubenstein (Managing Director, Horizn)
  • Key Customers
  • Royal Bank Of Canada (RBC), U.S. Bank, Lloyds Banking Group, KeyBank, BMO Bank of Montreal, Nationwide Building Society


05:09 pm


  • Presenters:
    • Elan Mevasse
    • Jack Shauh

Info: VRAY believes online shopping should be a simple and secure experience. They operate a secure, heterogeneous, omni-channel technology platform to deliver payment solutions to merchants. The platform reduces fraud with a password-free simple integration into existing merchant and processor infrastructure.

Now showing the use case on a Windows laptop and pay using their mobile phone. He’s showing a Chrome browser shopping cart page. Coming to the “PAY WITH MOBILE” merchant branded button.

I like this because merchants can accept mobile-based payments for a variety of merchant situations with no need to download an app or anything. No showing using SIRI to buy a product via text message. Pretty cool. All EMV tokenized solution. Good demo.

Presenter Profile:

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


Bus. Dev., Press & Sales: Elan Mevasse,, 424-272-0457


Twitter: @emevasse

HQ: San Diego, CA
Founded: March 2016
Product Demoed: VRAY Online Pay
Metrics: Raised 0K to date.
Presenters: Elan Mevasse (CEO), Jack Shauh (CTO)

Key Stats

  • Key Executives
  • Elan Mevasse (CEO), Jack Shauh (CTO & Co-Founder)
  • Key Board Members
  • Jack Shauh as the board member
  • Key Investors
  • Steve Wu (R&D Director, ShockWave Medical Inc.), Philip Chang (CPA, Philip Chang CPA firm)
  • Key Advisory Board Members
  • Pete Donat (Founder, Commerce Technology Partners; SVP Ventures & Business Development, First Data), Elizabeth Hoople (Independent Director, MetaBank; SVP, Wells Fargo), Chris Shimojima (Founder, C5 Advisory; Board Director, Implus; Board Director,  Kirkland’s), Marc Friedmann (Founder, Software Business Advisors; CEO, SciVee; CEO, Syntricity)

Show more key stats

05:03 pm

exagens, @exagens Exagens

  • Presenters:
    • Michael Stojda
    • Jorge Campos

Info: exagens Personal Banker: autonomous digital banking assistant with proven results increasing conversion rates & retention while lowering costs.

“White label AI. Autonomous financial assistant. Based in Montreal, Canada. Canadian FI used their tech to open 0 million in new accounts in a year.  ”

This sounds pretty cool.  Good use of humor. Show a very cool screen of conversation mapping of a financial interaction. Boy, these folks sure tell a good story and their user interface couldn’t be any better. They are showing how an agent could quickly show a customer a variety of potential actions to save money and more.
Great job!


Presenter Profile:

How they describe themselves: Compared with in-branch success rates driven by human-to-human interactions, client loyalty and share-of-wallet through digital channels have not kept pace. Why? Because it requires more than trying to predict the next best product or action. Located in Montreal, a world-leader in Artificial Intelligence & machine learning, the exagens team of over 30 industry veterans, economists, psychologists and technologists has cracked the code to dramatically increasing engagement and conversions through digital channels.  The exagens Personal Banker is the industry’s only successful digital banking assistant focused on increasing conversions and cross-selling for the mutual benefit of banks and their clients.

How they describe their product/innovation: Capable of providing support, offering tips and completing transactions, the primary mission is as a digital banker which empathetically and automatically engages retail and business clients over time and circumstance, to purchase additional products & services to meet their needs.  The exagens white-labeled Personal Banker can be integrated seamlessly and contextually into a bank or credit unions existing digital channels in weeks, with measurable financial results starting on day one.  At Finnovate, exagens will unveil the latest version of its Personal Banker including a new dynamic optimization engine featuring auto-improving results and real-time actionable client insights for channel optimization.

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


Bus. Dev. & Sales: Elisabeth Laett, VP Sales & Business Development,
Press: Michael Stojda, CEO & President,


HQ: Montreal, QC, Canada
Product Demoed: Exagens Personal Banker
Metrics: During an initial trial at tier-1 Financial Institution Desjardins, new high-interest savings accounts openings increased 11x and deposits 13x compared to the same 3-month period a year earlier.  In less than a year, over 40,000 new retail and business accounts have been opened with more than 0m deposited, with a 98% satisfaction rating, as a result of the autonomous exagens white-label assistant.
Presenters: Michael Stojda (CEO & President), Jorge Campos (CXO & Founder)

Key Stats

  • Key Executives
  • Frederic-Ah-Yave (CTO & Co-Founder), Jorge Campos (CXO & Co-Founder), Michael Stojda (CEO & President)

04:56 pm

Showing mobile app to open an account. I think these folks were a late entry as I don’t have any data on them (yet). I’ll stop by their stand to learn more.

04:48 pm


GeniAI Technology, GeniAl Technology

  • Presenters:
    • Aki Abekawa

Info: GeniAI Technology’s audit and accounting data management platform uses proprietary ML/NLP/OCRtechnology to eliminate labor-intensive and time-consuming procedures for internal and external auditors and accounting managers.

Well, I think this is a new one, technology to help accounting departments to assist internal/external auditors.  While this is a COMPLEX accounting segment they are doing a good job demonstrating the value their platform brings to the problem.  These folks are based in Sunnyvale, California and I can’t find any source of funding (yet). Perhaps from a private office.  Good job.

Presenter Profile:

How they describe themselves: Genial Technology is a startup that offers GenialAI, an audit platform. The platform automates painful manual processes like reconciliation between ERP data and supporting documents and provides insights from a massive amount of data. It saves accountants’ time and reduces risks. This strong assistance will enable auditors to focus on high-value works like communication with clients and consideration of audit strategy.

We estimated the costs of audit procedures that can be automated by AI to be B in North America. In this humongous market, we aim to achieve M Sales in 2021, leveraging the partnerships to grow faster.

How they describe their product/innovation: GenialAI is a self-learning and adaptive tool that automates and transforms audit procedures. GenialAI automates data processing and basic judgment, currently done manually with traditional tools. GenialAI has audit test, data cleansing and data analysis modules. The platform expands to cover all audit cycles by 2020.

GenialAI automates reconciliation between accounting data paper-based documents for 100% transactions, which significantly reduces audit risks. GenialAI also improves productivity – reconcile transactions to find errors 5x faster and shorten the time to detect potential frauds from hours to minutes.

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


Bus. Dev.:


04:43 pm

mr Cooper

Mr. Cooper, @mrcooperMr Cooper

  • Presenters:
    • Kevin Dahlstrom
    • Ryan LaMountain

Info: Cooper promotes intelligent homeownership and a simplified home loan process.

“American has a debt problem of trillion. American homeowners have trillion in home equity. There is a catch. ” We are one of America’s largest home lenders (who did they used to be called? I need to find out, I’m sure I know this.)

Going through use case. IF they are a top 20 lender who will they be selling to? Would  State Bank & Trust in Georgia want to work with a top 20 lender for new mortgage tech? Maybe, I’m not sure.  They are approaching home equity value differently and I really like how they are combining Financial Wellness with mortgage lending.

Good job.

From Finovate Presenter Profile:

How they describe themselves: As the nation’s largest non-bank mortgage servicer and one of the largest mortgage lenders, Mr. Cooper is on a mission to keep the dream of homeownership alive by making the home loan experience more rewarding and less worrisome. Mr. Cooper is a dominant market player and is on a mission to deliver better products and digital solutions that will reshape the mortgage experience at every step of the homeownership journey.

How they describe their product/innovation: Mr. Cooper’s mobile application is a complete redesign that puts the home at the center and gives customers information to own their home intelligently. New interactive tools are designed to help homeowners manage their home asset and better understand how their home fits into their financial picture. The app is driven by an advanced algorithm that helps identify a prequalified home loan structure that fits the customer’s situation, including minimizing payment, minimizing interest paid, possible equity withdrawal, debt consolidation and more. The app also allows customers to view their estimated home value and equity, make payments and view credit scores.

Product distribution strategy: Direct to Consumer (B2C)


Press: Christen Reyenga, AVP, Corporate Communications,

Mr Cooper

Twitter: @mrcooper

HQ: Dallas, TX
Founded: 1994
Product Demoed: Mr. Cooper Mobile App
Metrics: Mr. Cooper is the largest nonbank mortgage servicer employing more than 7,000 individuals, the company maintained the largest residential mortgage servicing portfolio in its history of approximately 0 billion in unpaid principal balance and 3 million customers as of December 2017.
Presenters: Kevin Dahlstrom (Chief Innovation & Marketing Officer), Ryan LaMountain (Product Manager, Mobile)

Key Stats

  • Key Executives
  • Jay Bray (CEO, President & Chairman), Kevin Dahlstrom (CMO & EVP), Tony Ebers (EVP Originations)


04:36 pm

NuData Security

NuData Security, @NuDataSecurityNuData Security

  • Presenter:
    • Ryan Wilk

Info: NuData Security’s NuDevice ID uses behavioral biometrics with aggregated data to create less friction and more security across different devices for financial institutions.

These folks were bought by MasterCard (I’m not sure when). Here is CrunchBase information on the company. NuData Security positively verifies users online through real-time behavioral analytics, identifying good users from bad.

This is high-level stuff for device authentification of devices for hundreds of clients. I imagine their stuff works and works well if MC bought them.

Vancouver, British Columbia, Canada


Presenter Profile:

How they describe themselves: NuData Security is an award-winning passive biometrics and behavioral analytics company. We were born with the belief that customers deserve a seamless online experience that keeps them protected. Our technology identifies users based on their online interactions – behavior that can’t be replicated by a third party. We have proudly pioneered the field of passive behavioral biometrics and are tirelessly evolving to keep our clients away from growing online risks.

In 2017, Mastercard acquired NuData to integrate our intelligence into their robust suite of fraud management and security solutions in their drive to protect and innovate the digital space.

How they describe their product/innovation: Trusted users often get interjected on a new device, location or IP. NuData’s universal identity solution shifts the way the industry understands the concept of device identification technology. Instead of binding a single device to an FI account, this solution builds a signal that tracks the identity of not only one but many users. The data from multiple devices and each user’s inherent behavior and passive biometrics are tied back to one identifier that is allowed into the FI account.

Trusted identifiers that can include more than one individual help companies reduce unnecessary friction while providing a better customer experience.

Product distribution strategy: Direct to Business (B2B)


NuData Security

Twitter: @NuDataSecurity

HQ: Vancouver, BC, Canada
Founded: March 2008
Product Demoed: NuData’s universal identity solution
Metrics: Based in Vancouver, Canada, NuData is a Mastercard company with 90 employees that analyzes over 200 billion data points per year. NuData has been steadily growing for the last years and is on track to double its size by the end of 2018.
Presenter: Ryan Wilk (VP Delivery)

Key Stats

  • Key Executives
  • Michel Giasson (CEO), Christopher Bailey (CTO), Ryan Wilk (VP Delivery)
  • Key Partnerships
  • Early warning, Accertify, Arvato, Amazon Web Services


04:30 pm



  • Presenters:
    • Mark Bishopp
    • Ori Hay

Info: The Amaryllis SaaS Payment Platform built specifically for Acquirers, Payment Facilitators, Marketplaces, ISOs, ISVs, VARs and other models is simplifying the world of 3rdparty payments.

“Cloud based SaaS tools to bring buyers and sellers together” Showing web-based dashboard with a ride share example.

Demo video will be available soon.

Presenter Profile:

How they describe themselves: The Amaryllis SaaS Platform is a best in class global solution for 3rd party payment models.  Our modular toolset was built specifically for Payment Facilitators, Marketplaces, ISOs, ISVs, VARs and Financial Institutions.  Amaryllis addresses clients as a consultative resource before any solution is sold, which positions us as a trusted advisor in the FinTech community. The Amaryllis leadership team has held senior management positions with Acquirers and Payment Facilitators in multiple verticals and is uniquely positioned to advise on “what good looks like”.  No other provider can make this statement!

How they describe their product/innovation: The Platform we’ve created is the only product available in the market today that can fully address the technology, operational and oversight requirements of 3rd party payment models.  These models (Payment Facilitators, Marketplaces, ISOs, ISVs, VARs and Financial Institutions) are unique and complex which traditionally required multiple custom solutions.  Our Platform eliminates the need for custom solutions and can be configured as a complete, end-to-end payments platform, or as a single functionality to maximize previous technology investments.  Our modular Platform encompasses Merchant Onboarding, Transaction Processing, Billing, Risk & Compliance, Reconciliation, Payouts and Reporting & Analytics.

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


Bus. Dev.: Jeff Jaussi, SVP Business Development,, 801-414-6403
Press: Alicia Roisman Ismach, VP Product & Marketing,, 707-440-9358
Sales: Ms. Chito Collins, VP Sales,, 408-966-7010


Twitter: @AmaryllisPay

HQ: Tel Aviv, Israel
Founded: May 2015
Product Demoed: The Amaryllis SaaS Payment Platform
Metrics: Money raised: M, number of employees: 25 employees, revenue: M, white labeled by a top 5 US acquirer, named top 10 B2B payments platform by, acknowledged in Enterprise Security Magazine’s Top 10 Payment Security Solution Providers of 2017
Presenters: Mark Bishopp (CEO), Ori Hay (Chairman & Founder)

Key Stats

  • Key Executives
  • Mark Bishopp (CEO), Ori Hay (Chief Product Officer & Founder), Jeff Jaussi (SVP Bus. Dev.), Alicia Roisman Ismach (VP Product & Marketing), Ms. Chito Collins (VP Sales), Lisa Kubaitis (VP Program Manager), Segi Roffe Cohen (Director of Finance)
  • Key Partnerships
  • Global Payments/Heartland, Vantiv (now Worldpay) and Agreement Express


03:11 pm

Well, it’s time for a lunch break and off to the networking hall.  We look back for our next session at 1:15pm PST. See you soon!

03:09 pm

Project Finance

ProjectFinance, @yourfinanceappProject Finance

  • Presenters:
    • Colby Ross

Info: Project Finance helps people in their mid-30s navigate the uncertainty around personal finance decision-making.

Again another financial wellness platform using machine learning technology. Pretty good dashboard.   It looks like they are early stage but have a pretty well developed platform.

Presenter Profile:

How they describe themselves: Project Finance was founded on the belief that good spending and saving behavior starts with being confident in your ability to meet future obligations.

Will I be able to buy a house? Will I be able to put my kids through college? Will I be able to retire? Can I do all this and still pay my bills? And finally, do I have enough in my bank account to still have fun?

In today’s world there is uncertainty around many things, your finances don’t have to be one of them.

Find your confidence, and see the future of your finances with Project Finance.

How they describe their product/innovation: Project Finance is a personal finance application that shows users the future of their finances based on all the choices and decisions they’re making today.

It adds a layer of connectivity between accounts that enables users to explore scenarios and tradeoffs — using their actual account data and information — and provides advice and guidance around the most optimal actions they can take with their money.

With a view into the future, and by removing the uncertainty around personal finance decision-making, we provide users with confidence to know they can do the things they want with their money.

Product distribution strategy: Direct to Consumer (B2C), through financial institutions


Bus. Dev., Press & Sales: Colby Ross,, 603-767-2089

Twitter: @yourfinanceapp

HQ: Boston, MA
Founded: August 2017
Product Demoed: Project Finance
Presenter: Colby Ross (CEO & Co-Founder)

Key Stats

  • Key Executives
  • Colby Ross (CEO & Co-Founder), Jeff Cole (CTO & Co-Founder), Peter Cole (Head of Machine Learning & Co-Founder)

03:04 pm

  • AI Foundry,
    • @AIFoundry
    • Presenters:
  • Sid Probstein
  • Alla Eizenberg
    • AI Foundry’s Agile Mortgages uses AI and machine learning to combat the frustrating, time-consuming and paper-laden process of applying for a mortgage.

They have a very cool name. They are showing how they use AI to grab unstructured data from a PDF, I think in a mortgage loan use case.  Using an Amazon analogy where borrowers will know that the FI got the docs they needed. Now getting ready to show the lender side.  It looks like Kodak has invested some in their company. Their platform integrates with common mortgage loan origination systems.  It’s nice to see companies like this one helping streamline the mortgage origination process. A TON of really old technology is being used in mortgage lending. In fact, Fiserv recently sold ALL of their mortgage technology to a PE firm.

Except for the second gong of the day they did well. Good job AI Foundry!

Demo video will be available soon.

Presenter Profile:

How they describe themselves: AI Foundry uses AI and user-guided machine learning to transform enterprise operations by integrating information, people and processes. Our Actionable Intelligence Management solutions help banks and mortgage companies streamline and automate manual processes, seize new business opportunities and manage compliance, all while transforming the customer experience. By more accurately classifying documents, extracting relevant data and feeding downstream mortgage application workflows, AI Foundry provides increased insight, better analytics and improved decision-making. Our dedicated team of 37 professionals are in North America.

How they describe their product/innovation: Taking Digital to the Limit: Reinventing the Core of the Mortgage Loan Process with Digital Transformation

Grounding your organization’s digital transformation in people, processes, and technology is critical. Just digitizing existing manual processes won’t work; companies must rethink and reimagine all processes. Mapping out the touchpoints, workflows and capabilities required to deliver a consumer driven mortgage experience is part of the next generation operating model.

Learn how our powerful Agile Solutions, utilizing the latest in AI and machine learning can proactively drive human activity to create a frictionless set of processes and products while improving performance from POS to LOS.

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


Bus. Dev.: Clark Brett, VP Bus. Dev., 919-740-7182
Press: Jill Jones, Sr. Director Demand Generation, 978-973-0958
Sales: Alex Levi, VP Sales, 781-203-8333


Twitter: @AIFoundry

HQ: Wakefield, MA
Founded: AI Foundry
Product Demoed: Agile Mortgages
Presenters: Sid Probstein (CTO & VP Professional Services), Alla Eizenberg (Solution Architect)

Key Stats

  • Key Executives
  • Stephen Butler (General Manager), Sid Probstein (CTO & VP Professional Services), Alan Swahn (VP Marketing), Percy Johnson (VP Solutions), Alex Levi (VP Sales)
  • Key Investors
  • Kodak Alaris


02:53 pm

  • One,
    • @oneconvers
    • Presenters:
  • Rachel Batish
    • one solves the low accuracy level of automated conversational applications with its Conversational Data Management Platform.

Build voice and chat bots in minutes. This is one of the few voice platforms we’ve seen in the last two days.  Voice is HOT and I’m enjoying their demo and how FI’s can use their tech to add IOT voice for banks and CU’s.  Integrated with 10K FI’s API – how?
We are hearing a voice banking with Alexa. Very nice.
Good job!

Presenter Profile:

How they describe themselves: offers a single hub to build, deploy and enhance conversational applications and conversational data, to improve the accuracy rate of automated communication between humans and machines.

Today 70% of automated interactions, through chat and voice- fail. To solve this limited and frustrating experience of automated interactions, we shifted from the common linguistic-oriented approach to a unique data-first approach. By combining deep-learning and crowdsourcing methodologies, our platform collects and classifies user requests in real-time and then deploys the data back to all conversational channels, including  Alexa, Google, FB Messenger, Phone and Texting. The result is a more than 100% improvement in the level of understanding and interaction.

How they describe their product/ is a build-once-deploy-anywhere platform for Conversational Applications, that enables Financials to build, deploy and enhance their Alexa Skills, Google Home Actions, FB Messenger bots, Phone and Texting intelligent assistants in one single process, in as little as few minutes. By leveraging deep-learning and crowdsourcing, the platform succeeds to improve the accuracy level of voice and chat interactions between humans and machines by more than a 100%. provides with pre-made conversational flows for banking that require no programming, coding, or complex integration, and supports most multifaceted scenarios and use-cases, including transactional capabilities.

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


Bus. Dev., Press & Sales: Rachel, CRO,


Twitter: @oneconvers

HQ: Sunnyvale, CA
Founded: January 2017
Product Demoed:
Metrics: 7 employees, more than 2500 developers on the platform.
Presenter: Rachel Batish (CRO & Co-Founder)

Key Stats

  • Key Executives
  • Chen Levkovich (CEO & Founder), Rachel Batish (CRO & Founder)
  • Key Customers
  • Nassau Educators Credit Union (NEFCU), First Abilene Credit Union and more that we can’t share 🙂

02:46 pm

Fiserv Samsung

Fiserv & Samsung, @Fiserv @SamsungFIserv

  • Presenters:Samsung
    • Scott Graf
    • Richard Lobovsky

Info: Fiserv is a leading global leader in financial services technology solutions. They help more than 12,000 clients worldwide create and deliver experiences for a digital world that’s always on.

Now this will be interesting. Fiserv is one of the top two US FinTech companies focusing mainly on core systems. Scott Graf is one of the presenters, a great, smart exec from Atlanta.  I suspect this is the technology Fiserv got when they acquired Scot and Joe’s company OBS.  Now showing a combo consumer/mobile and platform on the CSR side.  Nice demo, good job guys.

How they describe themselves: Fiserv is a global organization with 12,000+ clients and 24,000+ associates worldwide. The company enables clients to achieve best-in-class results driving quality and innovation in Payments, Processing Services, Risk & Compliance, Customer & Channel Management, and Insights & Optimization. Fiserv is highly regarded for its leadership and innovation, and award-winning solutions for mobile and online banking, payments, risk management, data analytics and core account processing.

Samsung SDS provides purpose-built solutions & services for secure mobility, digital identity and authentication, advanced analytics and retail experience in a diverse range of industries including financial services, government, and retail.

How they describe their product/innovation: Fiserv integrates Samsung SDS biometric authentication and collaboration solutions into its award-winning Commercial Center: Security (CC:S) for a more secure and convenient digital banking experience. Using Samsung SDS Digital Identity Platform, specifically Nexsign™, a FIDO-certified biometric authentication solution, user identity is verified using non-duplicative biological information, such as a fingerprint, voice or facial scan, to deliver a user experience that is simple, fast, and more secure. Samsung’s digital collaboration capabilities, which include real-time secure video, chat, e-forms and e-signatures, screen sharing and annotations, provide customers with a more expedient and fully-digital onboarding process.

Product distribution strategy: Direct to Business (B2B)


Bus. Dev. & Sales:
Samsung SDS:
Richard Lobovsky, VP Enterprise Solutions,
Fiserv: Joe Spaterella, VP Sales, Commercial Banking Solutions,


02:40 pm

Covered Security

Covered Security, @CoveredSecurityCovered Security

  • Presenters:
    • Chris Zannetos
    • Brian Milas

Info: Covered Security acts as a personal security assistant looking out for your online life. They help consumers avoid digital identify theft.

Machine learning for a better security process and helps consumers be more aware about what sites have been compromised. Interesting idea. It looks easy to use and easy to understand.

Presenter Profile:

How they describe themselves: Account takeover and other cybercrime are growing rapidly.  Banks and payments processors have the financial incentive and knowledge to achieve strong security, but people – the #1 cause of security incidents – have neither. Although consumers are worried about identity theft they sacrifice security for convenience, and regardless find security complex. What if improving security was rewarding for consumers and super simple to do – while the payments ecosystem saw reduced fraud and new revenue opportunities? Covered uses gamification, rewards, machine learning, and automation to motivate and empower consumers to protect their digital identity, while delivering a financial win for the payments ecosystem.

How they describe their product/innovation: Covered provides consumers with a quick and easy way to determine their risk of online identity theft, motivates them to act, and automates improvements.  Leveraging research on consumer and security expert online behavior and using machine learning, Covered delivers a single, easy-to-understand Security Score. The gamified assessment, education, and improvement experience shows consumers how they rate relative to others, and how their score will increase if they implement Covered’s guidance. Covered empowers consumers to easily implement this guidance (and increase their Security Score) by automating security actions, such as automatically scanning breach notifications for personalized alerts and response.

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


Bus. Dev Press & Sales.: Chris Zannetos, CEO,

Covered Security

Twitter: @CoveredSecurity

HQ: Boston, MA
Founded: January 2016
Product Demoed: Covered
Metrics: Covered is an early stage FinTech/Consumer Security company. Having market-tested various approaches to motivate action to improve online security with tens of thousands of consumers, the company is now launching its product.
Presenters: Chris Zannetos (CEO), Brian Milas (CTO)

Key Stats

  • Key Executives
  • Christopher Zannetos (CEO), Brian Milas (CTO)
  • Key Investors
  • David Verrill (Managing Director, Hub Angels), Tom Hitchner (retired Partner, Questmark Partners), Nina Tsao (retired tech entrepreneur & angel investor)
  • Key Advisory Board Members
  • Mark Templeton (retired CEO, Citrix), Lesley Mottla (SVP Product & Customer Experience, M.Gemi), Frank Lo (Director of Data Science, Draft Kings), Jack Danahy (CTO, Barkly), Tim Callahan (Chief Information Security Officer, Aflac)
  • Key Partnerships & Customers
  • Covered is an early stage company and is launching its product at this conference.

02:34 pm


Status. @StatusMoneyUSAStatus

  • Presenters:
    • Majd Maksad
    • Korash Hernandez

Info: Status Money’s personal finance platform helps people manage their money by letting them anonymously compare their finances with peers, national averages, and more than a million custom groups.

Showing their platform for PFM. I like their web-based UI. Will they show a mobile application as well. Nice this is a cool dashboard. With so many companies showing web-based platforms the quality of the user experience is paramount.  Now showing “Your Assets in Cash & Savings in Current Month” which could generate an offer to the consumer. Good job.

From Finovate: How they describe themselves: Status Money is a financial marketplace platform that provides users with powerful financial insights via peer comparisons and connects them with financial institutions offering relevant products and services.

How they describe their product/innovation: Status is the first personal finance platform that lets people compare their finances with their peers, national averages, and more than a million custom groups. It uses peer benchmarks and algorithms to help users intelligently manage their spending, income, debts, savings, and investments.

Product distribution strategy: Direct to Consumer (B2C), Direct to Business (B2B)


Bus. Dev., Press & Sales: Majd Maksad, CEO & Founder,

Twitter: @StatusMoneyUSA

HQ: New York, NY
Founded: May 2016
Product Demoed: Status
Metrics: Status Money has 12 employees and over 35K registered users. We have raised a M seed round from Altpoint Ventures.
Presenters: Majd Maksad (CEO & Co-Founder), Korash Hernandez (COO & Co-Founder)

Key Stats

  • Key Executives
  • Majd Maksad (CEO & Founder), Korash Hernandez (COO & Co-Founder)
  • Key Partnerships
  • Status Money has partnerships with Yodlee and TransUnion which enable it to provide users with free account aggregation and credit report monitoring.

02:25 pm


ProxToMe, @ProxToMeProxToMe

  • Presenters:
    • Carlo Capello

Info: ProxToMe’s proximity-based authentication technology uses a proprietary algorithm that combines proximity certification with identity assurance to combat user-to-machine interactions vulnerable to man-in-the-middle attacks for mission-critical IoT devices.

Showing an unattended device for pay at the pump POS tech. These folks are backed by Wells Fargo but it doesn’t look like they have raised much funding yet, less than million.

“We are not an app, we are a platform.”  Now showing a use case with a cordless capability. I really like this kind of tech: why use a card with an ATM when you have your mobile banking app on your mobile phone?

These folks are San Franciso-based.

How they describe themselves: ProxToMe is defining a standard for proximity-based authentication to IoT devices. We secure user-to-machine interactions from man-in-the-middle attacks without sacrificing user experience. Within a mobile app, ProxToMe enables frictionless and secure access to ATMs, payment terminals, workstations, door locks, printing devices, connected medical devices, and other mission-critical IoT devices. We license the technology to HW vendors and brands.

How they describe their product/innovation: ProxToMe demonstrate how its new technology called ProxToMe Identity Assurance (IA) can make security stronger and also easier to use it for practical use cases in the Fintech world. ProxToMe IA is patented software that leverages Bluetooth and/or Near Field Communication with an identity assurance algorithm to ensure that the authenticating user’s smartphone is in front of a legit IoT device. Financial Institutions and Fintech companies can use ProxToMe IA to grant their mobile users secure and frictionless access to financial and retail touchpoints that require users’ physical presence as an additional authentication factor.

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


Bus. Dev.: Carlo Capello, CEO,


01:26 pm

Time for a short break. Check back shortly and as always email me if I may provide additional information or be of service in any way. thanks! William Mills, CEO WMA

01:23 pm

Synapse Financial Technologies

Synapse Financial Technologies,

  • Presenters:
    • Sankaet Pathak

Info: Synapsefi enables companies to provide best-in-class finance products to their customers for a fraction of the cost of traditional banks.

“We are providing a banking platform for FinTech companies.” I like their concept. A LOT of FINTECH companies really don’t understand how hard it is to set up their technology that meet all banking regulatory requirements.  These folks are based in California and have raised at least million in funding.   Good job.

How they describe themselves: SynapseFI exists to simplify banking. We believe every person should have access to best-in-class financial products, regardless of their bank balance. For that purpose, we constantly strive to build accessible state-of-the-art financial banking products.

Our APIs enable you to power transactions (ACH, Credit, Debit, WIRES), KYC users, open bank accounts (Deposit, Interest Bearing, FBO/Custodial, Clearing), issue Debit Cards – virtually anything that would otherwise require a bank agreement. We also manage BSA/AML compliance, instant authentication of bank accounts and data aggregation.

Our mission is to build an intuitively designed bank with automated back office and automated servicing to reduce costs and increase access.

How they describe their product/innovation: White Label Loan Issuance: Our loan products can originate and service unsecured consumer or business loans to customers. Features include customizable decisioning, automated compliance, smart notifications, and an origination and servicing UI.

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


01:17 pm



  • Presenters:
    • Faruk Jaffer
    • Hafeez Jaffer

Info: Wealthucate is a financial wellness solution for the workplace, powered by an algorithm that automates financial planning for the employee so they get unbiased and affordable advice. The employer can personalize the experience, track progress, and receive valuable insights.

I think these folks are based in San Jose, California. I couldn’t find funding information for the company yet.  Showing their own “Financial Wellness Score” Boy, Financial Wellness is HOT here this year at Finovate. I’m seeing a ton of companies addressing this very important issue. Now showing employer dashboard of employee financial user engagement. Good job.

From Finovate: 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:

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.


01:09 pm

Digital Onboarding

Digital Onboarding, @DigiOnboardingDigital Onboarding

  • Presenters:
    • Ted Brown
    • Jonathan Crossman

Info: Digital Onboarding’s SaaS platform uses guided digital journeys, SMS reminders, and machine learning algorithms to improve customer/member activation rates for banks and credit unions.

Based in Boston, it looks like they have less than 20 employees, I’m not sure. “We’ve put the relationship manager front and center for the SMB”.  I like what these folks are doing. SMB new account opening and engagement is WAY behind consumer banking tools. They are showing what I THINK is a demo of their “Somerset Trust Company”.  Now showing web based platform.  Nice job.

Finovate Profile
How they describe themselves: Banks focus on the most profitable 20% of their small business customer portfolios leaving 80% ignored and underserved. The Digital Onboarding platform provides a fully automated onboarding experience that motivates small businesses to adopt fee-based services and make the bank their primary financial institution. SMS and email reminders, a custom microsite, and gamification components help SMBs take advantage of all the banking services needed to grow and manage their businesses.

How they describe their product/innovation: Digital Onboarding is there for your small business banking customers when your staff can’t be. Time-starved small business owners receive SMS and email reminders and a custom microsite that helps them take advantage of the services that will make their lives easier and their businesses more profitable such as receiving payments, managing payroll, and making automatic payments.

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



01:01 pm

Fee nimble


  • Presenters:
    • Ian McDaniel
    • Todd Plum

Info: FeeNimble minimizes investment fees by timing transaction schedules.

I have not seen these folks before. “Invest smarter by timing your fees, not the market.” Interesting concept. Showing a searchable database for investing from EDGAR data.  I’m not sure but they might be from Idaho. I could not find venture funding information.
From Finovate:
How they describe themselves: Our product adds the most value to personal individual investors.  We are looking to form strategic partnerships with on-line investing companies who want to distinguish themselves by offering fee minimization strategies to new customers.
How they describe their product/innovation: FeeNimble minimizes fees by timing transaction schedules.  More specifically, it pulls fees from the SEC’s EDGAR database and finds the optimum investment schedule for each customer’s unique situation so as to minimize fees for products they’re interested in.
Product distribution strategy: Direct to Consumer (B2C), Direct to Business (B2B), through financial institutions, through other fintech companies and platforms, licensed


12:55 pm


Averon, averon.comAveron

  • Presenters:
    • Tom Green
    • Christian Kendall

Info: Averon’s form fill, a conversion product, uses proprietary and patented authentication technology with real-time mobile carrier signaling to improve the lengthy, difficult and oftentimes frustrating registration/check out/transaction process.

Two factor authentication solution. Most users are not using the two factor authentication even when offered.  Showing mobile verification.  These folks are based in San Francisco and have received more than million in funding.

From their web site:   We started by seeking better ways to bring authenticity to security and soon found our expertise gave rise to a revolutionary new solution: Direct Autonomous Authentication (DAA), the world’s only fully automated mobile security platform. Our DAA technology requires zero effort by users and is live today on all US carriers. Join us in our mission to help the digital world
Be Authentic.




12:48 pm


  • Presenters:
    • Omar Sayed

Info: Sperse’s Cash Flow Outlook, a cloud based software solves cash management challenges for businesses of any size.

“One concept that will never change for businesses is cash flow. Most businesses are using spreadsheets and other older tech to manage cashflow; we’ve built a new platform intended to make the lives of our customers easier.” From Crunchbase: SperseSperse offers a business management and financial software platform. Its flagship product is called CFO – Cash Flow Outlook.

I can’t find info on funding, might be early stage. Looks like they are based in Phoenix. ^WM

12:38 pm


Dynamics, @dynamicsinc Dynamics

  • Presenters:
    • Jeff Mullen

Info: Dynamics’ interactive powered card platform offers computerized technology and existing payment infrastructures to issuing banks & merchants.

Jeff is not here today. They have a cool card.  Showing a new version? of the power card today. Six cards in one: credit, debit, rewards, etc. These folks have gone really International.  Showing an all digital card; imagine pressing buttons and sing six cards on one with a cell phone chip integrated. These folks have raised more than 0 million in funding ( 1/2 from MasterCard). ^WM

12:17 pm

Well folks, it’s almost SHOWTIME for FinovateSpring Demo Day Two.  We’ll be live in 14 minutes. See you then. William


10:18 am





William Mills

William Mills III, Chief Executive Officer of William Mills Agency is live blogging today at FinovateSpring 2018. He has more than 34 years of experience in financial technology and is a recognized leader in financial and technology marketing. He has personally advised more than 300 chief executives on marketing strategy, business development, mergers and acquisitions, company branding and public relations. You can contact him via email at or on Twitter @williamemills.


Steven J. Ramirez is CEO of Beyond the Arc, Inc. Harnessing data science and deep marketing expertise, he and his team deliver analytics-driven Customer Experience solutions. Their work includes strategic initiatives at a Top 5 US bank where they directly improved Customer Experience through communications. Helping financial service clients create rapid wins through intensive data strategy and improved customer engagement is their specialty. For more information about Beyond the Arc visit, call 1-877-676-3743, or email Insights on social media, financial services and more are shared on their blog, or follow them on Twitter at @beyondthearc. ^SR

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