For years, financial institutions have talked about delivering more personalized experiences. But personalization is evolving beyond simply putting a customer’s name in a message or recommending a product based on broad demographic segments. In the last few years, banks and fintechs have been using behavioral and transactional data, AI, incentives, and contextual insights to understand what customers need and deliver relevant experiences at the moments when they are most likely to act. At FinovateFall 2026, taking place September 9 through 11 in New York, a diverse group of companies will demonstrate new approaches to customer engagement and financial wellness. Their technologies range from hyper-personalized digital banking and transaction intelligence to financial education, community commerce, loan repayment incentives, and investing tools for the next generation. Below, we’ve highlighted nine companies that will take the stage at FinovateFall to illustrate how financial institutions can turn customer data and everyday financial interactions into opportunities to build stronger, more valuable relationships. BankUniverse BankUniverse helps financial institutions identify consumers who demonstrate an intent to purchase a financial product and then improve the digital journey that converts those prospects into customers. Its privacy-first platform analyzes digital interactions using GenAI and helps banks optimize product journeys and target relevant audiences without sharing sensitive personal information with third parties. The company says its technology can increase digital sales by more than 20%. Tapix by Dateio Tapix turns raw payment data into usable transaction intelligence, enriching transactions with information such as merchant names, logos, locations, and categories. That cleaner data foundation can power everything from clearer transaction histories and subscription identification to personal financial management, customer analytics, and hyper-personalized communications. Tapix can also help reduce disputes and chargebacks by giving customers a clearer understanding of where and how they spent their money. Doshi Doshi provides an AI-native engagement layer that combines financial education with gamification to help banks better understand when customers may be ready for additional financial products. As users learn and interact with educational experiences, Doshi turns behavioral signals into product-readiness insights that financial institutions can use to deliver more timely and relevant engagement. The approach gives banks a way to connect financial wellness initiatives with measurable customer growth. Finalytics.ai Finalytics.ai helps financial institutions create “segment-of-one” digital experiences using behavioral, transactional, and third-party data. Its AI models continuously analyze available information to determine which content, messages, and offers are most relevant to an individual visitor at a particular moment. The result is a digital banking experience designed around individual intent rather than broad customer segments. GenAspire GenAspire helps community financial institutions build relationships with the next generation of customers through a white-labeled teen banking app and financial literacy program. Students learn about saving, budgeting, and spending through lessons, quizzes, rewards, and real-world financial experiences, while parents retain visibility and controls. For credit unions and community banks, GenAspire also serves as an acquisition channel, distributing their branded banking experience through school partnerships and helping institutions establish relationships with young customers before they select their first primary financial institution. Goodbuy Goodbuy helps credit unions turn community commerce into a customer engagement and growth channel. Its credit union-branded marketplace connects individual members with local small businesses, giving businesses exposure to new customers while providing members with incentives to shop locally using their financial institution’s cards. The model is designed to drive small business account acquisition and deposits while also generating greater card usage and interchange revenue. Nextvestment Nextvestment brings AI-powered self-service to wealth management, allowing clients to explore investment ideas and financial questions on their own while helping advisors identify moments when human intervention may add the most value. The platform is designed to improve engagement without replacing the existing advisory relationship, giving clients greater freedom to explore while helping advisors focus their attention where it is most needed. Perqia Perqia helps lenders improve loan repayment behavior by turning payments into a more engaging customer experience. The platform uses cash-flow-timed incentives and rewards to encourage borrowers to prioritize their loan payments and pay before accounts become delinquent. Borrowers receive a self-service experience with visibility into upcoming payments and incentives, while lenders gain insights that can help improve engagement, reduce delinquencies, and lower collection costs. Young Early Starters Young Early Starters (YES) combines financial education with real-world investing to teach children how markets and long-term investing work. Designed for children ages eight to 18, the platform allows young users to learn about companies and investing before putting real money into stocks and ETFs. Parents set budgets and limits and approve individual trades, pairing hands-on investing experience with more than 300 educational lessons. For banks and other financial institutions, the model offers another avenue for establishing financial relationships earlier in a customer’s life. Why banks should care Personalization has historically been treated largely as a marketing challenge. Banks would determine which customers fit a segment, identify the product most likely to appeal to that segment, and deliver a targeted message. But the companies above demonstrate a broader opportunity built on better transaction data, behavioral signals, rewards, financial education, and AI. These tools can indicate when a customer is ready for a new financial product, encourage positive repayment behavior, create engagement long before a customer needs a financial product, and help banks determine what an individual customer needs in real time. In 2026, customer engagement is more than clicks, logins, and open rates. Banks and credit unions need to give customers reasons to deepen their relationships and keep coming back. The companies coming to the FinovateFall 2026 demo stage show how financial institutions can use technology to make those interactions more relevant, timely, and useful. Photo by Gustavo Fring The post 9 Fintechs Personalizing Customer Engagement and Financial Wellness appeared first on Finovate.       

OmniAI, an agentic AI firm that made its Finovate debut at FinovateFall 2025 last year in New York, has rebranded as Monumint. “This is more than a new name. It’s the next chapter of our company,” the firm began its LinkedIn post discussing the rebranding. “As financial services enters the era of AI, every customer should still receive a personal, high-touch experience,” the post continued. “We believe conversational AI is the foundation that makes that possible. That’s why we’re becoming Monumint.” The new name of the firm was inspired by the strength and endurance of monuments, “structures that have been built to last … just like the relationships financial institutions build with their customers.” Monumint offers a conversational AI platform for financial institutions. The company’s technology leverages agentic AI to manage the entire borrower lifecycle across email, SMS, and voice. Monumint’s AI agents support account opening, loan origination, servicing, and collections, verifying and pre-qualifying applicants, collecting documents, responding instantly to balance, payment, and account queries, and, when necessary, providing empathetic, policy-guided outreach to enhance the collections process. This includes routing hardship signals directly to human agents. The company’s rebrand comes at a time when a growing number of banks and credit unions that have built their businesses around relationship banking are facing challenges from technology-enabled rivals who are making it easier for customers to open accounts, secure the assistance and advice they need, and move money quickly without requiring a branch visit or dealing with a call center. The instant access that consumers increasingly expect in other aspects of life is quickly becoming an expectation among consumers of banking and financial services. Enabling community banks, credit unions, and lenders to deliver this access through innovative technologies like agentic AI will empower these firms to compete more effectively for the engagement—and deposits—of the financial services consumers in their communities and beyond. “The next generation of financial services will be built around personal relationships at massive scale,” the company noted in a rebrand announcement on its website. “The winners will not be the institutions with the biggest balance sheets, but the ones that can give every customer a banker in their pocket, available across every channel, with the context to help and the judgment to know when a human should step in.” As OmniAI, Monumint made its Finovate debut at FinovateFall 2025 in New York. The company showed how its AI agents for lending accelerate borrower onboarding, delivering faster responses and fewer delays for borrowers, as well as fewer drop-offs and cleaner data to enable lenders to make faster, smarter credit decisions. Each agent is trained on the financial institution’s workflow, guiding applicants from intake through to underwriting-readiness, gathering documents, verifying data in real time, asking contextual questions, and escalating issues as needed to human professionals. Monumint is a Y Combinator alum, joining the accelerator as a member of the Winter 2024 cohort. Tyler Maran (CEO) and Anna Pojawais (CTO) are the company’s co-founders. Photo by K. Mitch Hodge on Unsplash The post Conversational AI Platform for Financial Services OmniAI Rebrands as Monumint appeared first on Finovate.       

APL Federal Credit Union has teamed up with digital banking engagement firm Spiral to give its members new, seamless ways to save and donate to their favorite charitable causes. The credit union, which uses the Alkami Digital Banking Platform, will embed Spiral’s Roundup Center and Giving Center, innovations demoed last year at FinovateFall 2025 in New York. Spiral’s partnership with APL FCU comes just a few weeks after the fintech announced a similar partnership with California-based Foothill Credit Union. APL Federal Credit Union, a Maryland-based credit union, has partnered with Spiral to give its members new ways to save for their financial goals through everyday purchases while seamlessly supporting local and national charities. “Credit unions have a unique opportunity to drive deposits and primary relationships by helping people make financial progress every day,” Spiral Founder and CEO Shawn Melamed said. “APL FCU is showing how digital banking can help members save more, give back to the causes they care about, and strengthen the communities they serve.” APL FCU will embed Spiral’s Roundup Center into the Alkami Digital Banking Platform it uses, enabling members to automatically round up debit card purchases and direct the spare change toward their savings goals or their favorite charitable causes. The credit union will also deploy Spiral’s Giving Center, which allows members to seamlessly donate to their preferred charities directly from their digital accounts. The Giving Center also lets members create a portfolio of favorite charities, track the impact of their charitable gifts, and receive a report on their donations for tax purposes. “Helping our members achieve financial success has always gone hand in hand with supporting our local communities,” APL FCU Chief Strategy & Growth Officer Kevin Marvel said. “With Spiral, members can automatically grow their savings and support the causes they care about through everyday banking, making saving and giving a natural part of their daily lives.” Serving individuals and families who live, work, attend school, or conduct business in Howard County, Maryland, APL FCU was founded in 1954 by eight employees of The Johns Hopkins University Applied Physics Laboratory. The institution was a pioneer in online banking, launching the service in 1996, and secured its community charter in 2000, enabling APL FCU to offer memberships to individuals other than APL employees. Today, the financial institution has more than 31,000 members and total assets of $700+ million. Founded in 2019 and headquartered in New York, Spiral made its Finovate debut at FinovateFall 2025. At the conference, the company demonstrated how its Savings Center and Giving Center for banks and credit unions help financial institutions grow deposits, increase engagement, and boost loans. Savings Center leverages personalization, gamification, and automation to help account holders build better financial habits and reach their financial goals. Giving Center enables account holders to manage their charitable giving and easily donate to both local and national charities. Spiral’s partnership announcement with APL FCU comes just days after the New York-based fintech reported that Foothill Credit Union, a Southern California-based financial institution, will also embed Spiral’s Roundup Center and Giving Center into its digital banking platform. With $660+ million in total assets and approximately 29,300 members, Foothill Credit Union serves employees of specific school districts, hospitals, government municipalities, and Select Employer Groups (SEGs) across the San Gabriel Valley, as well as immediate family members of eligible employees. Photo by Hannah Busing on Unsplash The post APL FCU Teams Up with Spiral for Personalized Savings and Charitable Giving appeared first on Finovate.       

Onboarding and engagement specialist Swaystack has partnered with Oxford Bank of Michigan and Cascade Federal Credit Union of Washington State. Oxford Bank and Cascade FCU will both use Swaystack’s gamified onboarding and engagement solution to enhance and streamline onboarding, account funding, direct deposit switching, and more. Headquartered in Miami, Florida, Swaystack made its Finovate debut at FinovateFall 2026. Customer onboarding and engagement specialist Swaystack has teamed up with Oxford Bank, the oldest commercial bank in Oakland County, Michigan. Swaystack will bring its gamified onboarding and engagement solution to the bank’s customers within Jack Henry’s Banno digital banking platform, helping customers fund accounts, switch direct deposits, and transfer subscriptions from the first login. “We’ve always believed that earning a customer’s trust means showing up at every step of their financial life,” Oxford Bank Chief Operating Officer Nancy Rosentrater said. “With Swaystack, we can now do that digitally—walking customers through funding their account, switching their direct deposit, moving their subscriptions—helping them grow with us through new products and referrals. It’s a complete ecosystem that turns a new account into a primary relationship.” The partnership between Swaystack and Oxford Bank comes as the trend of banking consumers maintaining relationships with multiple financial institutions has accelerated significantly in recent years. A report from J.D. Power noted that in the third quarter of 2025, 52% of newly opened checking accounts were additional accounts rather than replacement accounts. This puts significant pressure on banks, credit unions, and digital banking providers. As consumers continue to divide their financial activity across institutions, the ability of any individual institution to earn customers’ savings deposits, direct deposits, and trust is tested. Unfortunately, as Swaystack CEO and Co-Founder Har Rai Khalsa explained, the traditional solutions to this challenge have often failed to work for many community banks and credit unions. “Most banks chasing this problem end up buying four or five different tools and spend(ing) years trying to make them work together,” Khalsa said. “We built Swaystack so that community banks like Oxford Bank only need one platform. Everything from the first deposit to the next product moves as a single connected journey, each step setting up the one that follows. For Oxford, that means real growth from customers they already have. We are giving a bank that has earned trust for over a century a modern way to deliver it, while maintaining what makes people trust them in the first place.” Founded in 2024 and headquartered in Miami, Florida, Swaystack made its Finovate debut at FinovateFall 2025 in New York. At the conference, the company’s CEO and founder demonstrated Swaystack’s gamified onboarding platform, which enables banks and credit unions to boost engagement with experiences that activate primacy, reduce dormancy, and transform new accounts into lasting relationships. Swaystack’s partnership with Oxford Bank comes a month after the fintech announced a similar partnership with Washington-based Cascade Federal Credit Union. As with Oxford Bank, Cascade FCU will pair Swaystack’s onboarding technology with the Banno digital banking platform. “We have always known our strongest growth comes from the members we already serve, but personalizing that outreach at scale was something our team could not do by hand,” Cascade FCU VP of Marketing Ashley Smart said. “Swaystack enables us to guide every member through these first decisions, and it turns the referral instinct we have rewarded for years into something that happens naturally as part of the experience.” Cascade FCU was founded in 1952, and has more than 10,900 members. The credit union was initially chartered to serve workers of the Great Northern Railway and today is the financial home for more than 100 employer groups throughout Washington State and has $370+ million in assets. Headquartered in Kent, the member-owned, not-for-profit institution offers checking, savings, money market, certificates of deposit, IRAs, and youth savings accounts, as well as a full range of lending options, including auto, home, personal, and student loans, and credit cards. Interested in companies developing innovative new solutions for credit unions and their members? Check out our latest look at the Credit Union Spotlight, coming to FinovateFall 2026 next month in New York! Photo by Geansebastian Rodriguez from Pexels The post Oxford Bank Partners with Swaystack to Drive Customer Engagement appeared first on Finovate.       

Growing up in Montana, community banking was the only type of banking I ever knew until I left town for college. My best friend’s mom worked at the bank down the street, and all of the tellers recognized my parents when we walked into the branch. My mom started her own business by obtaining a working line of credit after presenting a business plan and a promise. As a kid, I thought every town worked this way. Now, decades later, looking back on those experiences offers important insights into banking. Community banking, especially in a small town, has always depended on trust, reputation, personal connections, and long-term relationships. When I switched to a digital-only bank in 2006, that sense of connection largely disappeared. My relationship with the bank felt less personal and more centered on the transactions I was making. That disconnect may help explain why so many fintechs now invest heavily in recreating digitally what community banks have spent generations building in person. Personalization, customer engagement, financial wellness, AI assistants, and customer relationship management may sound modern, but the underlying ideas are not. Community banks have long relied on knowing their customers, understanding their needs, and building loyalty over time. In 2026, those same goals remain priorities across the financial services industry. Because community banks already understand many of the qualities customers value most, they do not need to imitate megabanks. They do, however, need technology that helps them extend those strengths. With the right partners, community banks can serve customers faster, automate manual work, strengthen fraud detection, and give employees more time to focus on meaningful customer interactions. The opportunity will help strengthen the relationship-driven model by supporting it with digital tools and workflows that meet rising customer expectations. This technology gap is exactly what the Community Bank Spotlight at FinovateFall seeks to bridge. On September 11, we’re hosting a special breakfast session open only to community banks and a few selected fintechs, that will provide executives a place to share best practices, talk through common challenges, and discover innovative solutions. If you’re interested in attending the Community Bank Spotlight at FinovateFall, reach out to billy.smith@informa.com to get yourself on the guest list. Keep in mind that space is limited, and only community bank employees are eligible to attend. The post What Montana Taught Me About the Future of Community Banking appeared first on Finovate.       

Will World Liberty Financial, the crypto venture linked to President Donald Trump, secure a bank charter? Will PayPal sell itself to Stripe? There’s a lot to mull over in the fintech headlines as the week begins. Be sure to check back here at Finovate’s Fintech Rundown all week long for the latest in news and announcements. Digital banking Regional financial institution Flagstar Bank ($87.7 billion in assets) partners with Fiserv to support its core modernization strategy. Oman-based BankDhofar introduces youth accounts to promote financial literacy among the country’s young adults. Agentic AI Alipay unveils China’s first full-stack agentic commerce platform. Payments Payment acceptance solutions company Ingenico raises €150 million from a group of investors led by PIMCO. TransFi launches JARVIS, a proprietary AI-powered compliance intelligence platform for cross-border payments. Payfuture and Payouts.com team up to launch local payment rails for India payouts. Wealth management Retirement and savings specialist Standard Life launches its AI Coach to help guide customers through the home buying process. Fraud prevention Datavault AI announces its acquisition of CyberCatch in an all-cash deal combining data monetization and defensive security. Equifax UK launches Automatic Watchlist Monitoring (AWM) to help regulated businesses in the UK to automate anti-money laundering (AML) compliance. Insurtech Data and AI company SAS teams up with international reinsurance provider Swiss Re to enhance catastrophe risk intelligence. Photo by Pascal Debrunner on Unsplash The post Fintech Rundown: A Rapid Review of Weekly News appeared first on Finovate.       

Airwallex has partnered with Affirm to enable merchants in 35 countries to offer BNPL options to eligible US customers at checkout. Airwallex merchants can add Affirm without an additional integration, giving shoppers access to interest-free and longer-term installment payment options. The partnership expands Affirm’s distribution while helping Airwallex merchants offer more competitive checkout experiences and potentially boost conversion and transaction sizes. Global payments platform Airwallex has teamed up with flexible payments company Affirm to allow merchants in 35 countries to provide flexible payment options at checkout to their eligible US customers. Without additional integration, merchants can bring Affirm’s buy now, pay later (BNPL) capabilities, allowing shoppers to choose a payment schedule that works best for their cashflow at the point of sale. Among Affirm’s flexible financing options are four interest-free installments or monthly installments of up to 24 months. Affirm will not charge late fees and shows shoppers what they will pay upfront. In addition to bringing flexibility to end customers, Affirm’s tools also bring benefits to merchants. The relaxed payment terms often support higher conversion and larger transactions. Merchants on Airwallex can offer Affirm payments seamlessly. Airwallex now supports more than 160 payment methods across the world. “Merchants choose Airwallex to maximize local payment options for shoppers around the world, otherwise, they’re leaving conversion on the table,” said Airwallex VP of Financial and Strategic Partnerships Jason Gottlieb. “We’re thrilled to partner with Affirm and provide its familiar and transparent payment options to help our international merchants drive more US sales.” Adding Affirm helps merchants compete with other point-of-sale checkout experiences by bringing more payment options into the checkout flow. And because accessing Affirm through Airwallex doesn’t require an additional integration, it reduces the complexity for merchants looking to modernize their payments experience. For Affirm, the partnership offers another avenue for distribution. Partnerships with platforms like Airwallex allow the BNPL provider to reach large groups of merchants through technology they already use, rather than establishing a standalone relationship with each merchant. Affirm has pursued a similar strategy through partnerships with payment providers including Worldpay and Fiserv, expanding the number of places consumers can encounter its financing options. Founded in 2015, Airwallex holds 85+ regulatory licenses and permits across 50 markets that enable customers to operate in 200+ countries and regions and support multi-currency checkout at scale. The Singapore-based company helps more than 676,000 businesses worldwide manage their financial operations and build and monetize their own financial products. Photo by Kindel Media The post Airwallex Taps Affirm for BNPL appeared first on Finovate.       

FinovateFall is just three weeks away! This year’s event features three industry stages: AI and Innovation, The Future of Money, and Customer Experience and Trust. Each stage is designed to offer banking and fintech leaders insight into what’s working in practice, what’s breaking under the pressure of new technology and regulations, and what institutions need to rethink about their current operations. AI and Innovation Artificial intelligence has moved beyond experimentation. The conversations at FinovateFall will focus on what comes next, such as transitioning from AI copilots to semi-autonomous agents, measuring the ROI of AI projects, and examining where investments are still falling short. Sessions will explore enterprise-scale AI development, practical approaches to modernizing legacy technology, the rise of agentic commerce, and the front-office opportunities that promise the greatest competitive advantage. Attendees will leave with a clearer understanding of where AI is creating real business value today and where the next wave of innovation is headed. The Future of Money Stablecoins, AI agents, and data-driven lending are reshaping how money moves and how financial decisions are made. This stage explores the technologies and strategies that will define the next generation of financial services, from the growing role of stablecoins in banking and payments to AI-powered financial decision-making and precision lending. Industry leaders will also examine how payment strategies are evolving amid increasing competitive and regulatory pressure. Attendees will walk away with practical insight into where financial institutions should focus their investments as the infrastructure of money continues to change. Customer Experience and Trust Delivering exceptional customer experiences increasingly depends on earning and maintaining trust. Sessions in this stagea will explore how financial institutions can use personalization and AI to create more relevant customer journeys while strengthening security, reducing fraud, and building lasting customer confidence. The discussions on this industry stage will examine experience transformation, digital identity, financial crime prevention, and how banks can turn trust into a competitive advantage while maintaining growth. Together, these three industry stages on Friday, September 11 will offer a concentrated look at the moves that will define banking’s next chapter. If you register for FinovateFall before August 21, you can still save up to $400. The post FinovateFall 2026 Beyond the Demos: Check Out the Industry Stage Highlights appeared first on Finovate.      Related StoriesFinovateFall 2026: My Top Five Agenda PicksFinovateFall 2026 Agenda Revealed!FinovateFall 2025: AI, Fraud Prevention, and the Art of What’s Possible 

Most folks in banking and financial services do not enjoy talking about fraud and financial crime. This is not surprising. When it comes to fraud, there is rarely “good news.” Instead, it’s usually a matter of “no news” vs “bad news,” In this world, many can’t help but feel as if the “good news” is that the “bad news” hasn’t happened—yet. While keynotes and industry stages dedicated to fraud and financial crime will be limited at FinovateFall 2026 next month, the world looks quite different from the demo stage, where a dozen companies will be showcasing their latest innovations to help banks, credit unions, and other organizations monitor their processes in real time, detect fraud before it causes emotional or financial damage, and provide procedures and strategies to help avoid similar attacks in the future. In other words, just because we don’t always hear C-suite executives from banks and financial services companies talking about fraud, do not for a moment believe that fraud and financial crime are anything but top of mind. Today, in our latest FinovateFall 2026 preview post, we’re introducing you to these 12 fintech innovators that will be demonstrating their fraud prevention solutions live on stage on September 9 and 10. Coynitt Coynitt is a remittance and community savings platform built for Canada’s African diaspora that leverages the blockchain to settle international remittances in five seconds or less. Coynitt offers trustless, on-chain ROSCA savings circles with instant smart contract payouts. The platform features AI-routed payments, open-source smart contracts, and on-chain transparency to enable every contribution to be visible to every member. Darwinium Darwinium is an AI-powered fraud prevention platform that combines continuous monitoring with real-time decisioning to enable fraud teams to identify and respond to fraud attacks ranging from account takeover and API abuse to scams and mule activity. The company’s technology has delivered a 50% reduction in fraud and a 40% reduction in operational costs. Distinguishing trusted behavior from risky behavior—in both humans and AI agents—Darwinium provides fraud defense from the first interaction through high-risk actions and payments. Illuma A leader in voice security solutions for banks and other financial institutions, Illuma offers a voice authentication and fraud prevention solution, IllumaSHIELD, that replaces knowledge-based authentication practices with a seamless and secure, real-time voice authentication solution that enhances the caller experience, improves operational efficiency, and prevents fraud in contact centers. Kita Technologies Kita offers an AI-powered lending operations and credit assessment platform that transforms borrower documents into fraud-checked underwriting signals. Kita enables lenders to transition from scattered borrower documents and manual workflows to consistent, decision-ready credit analysis that keeps final decision-making in human hands. The platform’s trio of AI agents—Kita Capture, AI Credit Officer, and AI Underwriter—provides end-to-end underwriting for every kind of lending, from microfinance to SME lending and commercial loans. Loquat Loquat provides seamless KYC, KYB, fast onboarding, virtual cards, automated lending, back-office lifecycle management, and CALM Portal for credit unions and community banks. The firm’s Loquat IQ leverages an institution’s data to deliver contextual insights that drive strategic and operational success. McCarthy Hatch McCarthy Hatch is a regtech firm that helps financial institutions identify regulatory risks. The company’s FSAi is an AI-powered analytics platform that detects systemic consumer harm patterns in financial services by analyzing customer complaints. FSAi delivers real-time monitoring of risk exposure and enables strategic, proactive measures to significantly reduce compliance spending. Omnisient Omnisient offers a privacy-preserving data collaboration platform that enables financial services companies to access consumer behavior data directly from retailers and consumer brands. The company’s solution leverages secure collaboration and AI-driven analytics to empower businesses to build predictive models and data products to help them find and better serve future customers across industries. Radar Radar, a location infrastructure and intelligence software development firm, offers solutions to help organizations fight fraud, optimize operations, and engage customers at scale. Radar’s platform consists of three solutions: Protect, to stop fraud and verify user location; Optimize, which tracks pickups, deliveries, and field operations with real-time visibility; and Engage, which helps firms reach the right user at the right moment wherever they are. RangersAI RangersAI leverages real-time guidance, in-context education, and trusted digital interactions to help consumers avoid scams. The company’s ScamRanger solution is a customer-facing scam education platform that provides alerts and guidance for suspicious messages, helping stop scams before the emotional manipulation—and financial damage—begins. Saris AI Saris AI builds and launches AI agents to automate back-office workflows for credit unions and banks. The company’s technology automates 90% of lending, compliance, and operations tasks, and enables banks and credit unions to scale without adding headcount. Saris AI’s solution can be integrated directly into existing cores and LOS platforms, and requires no change management. Veritus An AI communications platform for financial services, Veritus deploys voice and text agents that manage loan servicing and collections at scale. The company’s technology drives application conversions, re-engaging abandoned applications via intelligent outbound calls, SMS, and chat, and boosts collections with proactive outreach to borrowers in early arrears with empathetic, compliant, contextual conversations. Winnow Winnow is a regtech platform that provides regulatory compliance solutions for legal and financial services firms. The company integrates modern AI technologies with practical compliance tools to offer prompt-driven compliance survey creation, intelligent chat-based legal research, and on-demand reference chart and compliance checklist generation. Why Banks Should Care Bank executives do not need to be reminded—much less informed—about the challenges of fraud and the costs of financial crime. In survey after survey, fraud, especially AI-powered fraud, is among the most frequently cited concerns by not only those who run and manage financial institutions, but also their customers and members. And it’s worth noting that the challenges to effective fraud fighting are not exclusively technical; as more than one financial crime expert has said, the human being, not the technology, is often the weakest link in the chain of defense. That said, there are many challenges facing bank and credit union executives when it comes to enhancing their financial crime prevention efforts: from data management and legacy technology issues to budgetary constraints and limited availability of technical talent and expertise. And these are the problems that fintechs such as the ones showcased here—and coming to the FinovateFall 2026 demo stage in September—have dedicated themselves to solving for banks, credit unions, their customers, and their members. Photo by Sasun Bughdaryan on Unsplash The post 12 Fintechs Innovating in Fraud, Risk, Compliance, and Trust Infrastructure appeared first on Finovate.       

AI-powered operating system for wealth management Zeplyn announced a new integration with Schwab Advisor Center to automate account opening and meeting preparation workflows. The integration follows the company’s launch of a new platform capability, Advisor Coaching, that gives wealth management advisors actionable feedback on their client interactions. Headquartered in New York and founded in 2023, Zeplyn made its Finovate debut at FinovateFall 2025. Zeplyn, an AI operating system for wealth management, announced a new integration with Schwab Advisor Center that expands the reach of Zeplyn Agent Nexus into two key workflows for wealth managers: account opening and meeting preparation. The integration enables advisors to open Schwab Advisor Services accounts in seconds, leveraging AI agents to automatically complete Schwab’s digital account-opening workflows while incorporating live Schwab holdings and transactions into Zeplyn’s AI-powered client briefs. “Schwab Advisor Center is one of the most important platforms in wealth management, and we’re excited to bring the power of Zeplyn Agent Nexus into that ecosystem,” Zeplyn Co-founder and CEO Era Jain said. “This integration is a step toward a new way of working. By combining Schwab data with the intelligence firms already have, we’re enabling AI to complete work that has traditionally remained manual, giving advisors more time to focus on their clients.” In a statement, Zeplyn noted that account opening and meeting preparation are two of the most time-consuming workflows in wealth management. Advisors are often required to source meeting notes, CRM records, documents, planning software, and custodian platforms to gather the information they need before they can act. In contrast, Zeplyn’s new integration eliminates many of these manual steps. Advisors can direct Zeplyn’s agents to open a Schwab account, gather client data across meetings, emails, CRM records, and documents, initiate the digital account open workflow, automatically complete all relevant data fields, and deliver a finished draft for human review and submission. Early pilots of the integration revealed that Not-In-Good-Order (NIGO) submissions were reduced by approximately 80%. The integration also boosts Zeplyn’s AI-powered meeting preparation capabilities by incorporating live Schwab holdings and transactions into already-assembled client intelligence. This means that advisors can secure a complete, up-to-date view of every client’s holdings without having to collect the data manually across multiple systems and platforms. Here, early pilots revealed that advisors saved more than 12 hours a week with AI-powered meeting prep. Zeplyn’s integration with Schwab comes less than a month after the company announced the launch of its Advisor Coaching capability. Advisor Coaching automatically evaluates, scores, and delivers actionable feedback on every client and prospect meeting an advisor has. The goal of the solution is to help wealth management teams deliver a consistent, quality experience for every client. The technology rates each client meeting against the company’s success criteria and provides contextual advice and suggestions to help advisors better serve their clients. As part of the Advisor Coaching capability, firm managers can use Ask Zeplyn to access company-wide performance reports to identify patterns that might be otherwise difficult or time-consuming to find. “Wealth management firms have always known that consistent advisor performance drives client trust and retention, but they’ve never had a scalable way to measure it,” Jain said. “Advisor Coaching gives firm leaders the same level of visibility into client conversations that top sales organizations have had into their pipelines for years: objective, firm-wide, and available on demand. For an enterprise with hundreds of advisors, that’s the difference between hoping standards are being met and knowing they are.” Founded in 2023 and headquartered in New York, Zeplyn made its Finovate debut at FinovateFall 2025. At the conference, the company demonstrated its Zeplyn Meeting Assistant: a compliant and secure agentic AI technology that captures client interactions via video, in-person, and telephone, accurately converting them into structured data in real time. Zeplyn Meeting Assistant also automates data entry into CRMs and powers other operations such as auto-drafting personalized emails, summarizing data into client recaps, and surfacing client and advisory trends and insights. Photo by Yan Krukau from Pexels The post Zeplyn Launches Agentic Account-Opening Workflow in Partnership with Schwab appeared first on Finovate.       

Earned wage access platform provider Veep Software announced that AltaOne Federal Credit Union has launched its AnyTimePay offering. AnyTimePay provides employees with access to earned wages before their scheduled payday. The product launch comes at the same time that AltaOne Federal Credit Union announced a strategic investment in the Florida-based fintech. Veep Software was founded in 2019. The company made its Finovate debut at FinovateFall 2025 in New York. Veep Software announced that AltaOne Federal Credit Union has gone live with Veep’s AnyTimePay offering, an earned wage access solution that gives members access to their earned wages before their scheduled payday. AltaOne FCU’s launch of AnyTimePay comes at the same time that the California-based financial institution announced a strategic investment in Veep. The amount of the investment was not disclosed. Veep’s AnyTimePay platform is the company’s composable infrastructure layer for AI-driven, risk-aligned pay access. Built to support institutional deployment, governance, and scale, AnyTimePay combines structured controls, monitoring, and configurable deployment options to enable credit unions and other institutions to deliver modern earned wage access securely and responsibly. AnyTimePay uses AI to analyze member behavior and assess risk to help prevent over-advancement while encouraging responsible use of the service. AnyTimePay helps members enhance their financial security, improve money management, increase engagement with their credit union, and reduce the temptation to resort to high-cost, payday lending alternatives. “AltaOne is exactly the kind of forward-thinking financial institution we built AnyTimePay for,” Veep CEO Drew Hyatt said. “They understand that the future of financial wellness is not just about offering more products. It is about showing up at the right moment, when members need access to liquidity and support. Their commitment to improving member financial well-being, combined with their decision to invest in Veep, is a powerful endorsement of both our technology and our mission.” Veep notes that earned wage access is only a starting point for users of the platform. The platform architecture supports the integration of additional financial capabilities through its modular infrastructure, shared governance and policy frameworks, and reusable AI-driven decisioning. “At AltaOne, we are always looking for innovative ways to strengthen the financial well-being of our members,” AltaOne CEO Stephanie Sievers said. “Too often, financial stress is not about whether someone is responsible; it is about whether the timing of their income matches the timing of their obligations. A bill may be due today, while a paycheck arrives several days later. AnyTimePay helps members bridge that gap responsibly by giving them access to wages they have already earned. We believe this solution can reduce financial stress and help our members avoid costly alternatives.” AltaOne FCU is headquartered in Ridgecrest, California, a community located in the high desert of Southern California, directly adjacent to the Naval Air Weapons Station China Lake. The financial institution was founded in 1947 as the NOTS Employees Federal Credit Union and today serves members in Kern, Inyo, Mono, and northern San Bernardino counties. AltaOne FCU has 58,000+ members and assets of more than $950 million. Headquartered in Miami, Florida, and founded in 2019, Veep Software made its Finovate debut last year at FinovateFall 2025 in New York. At the conference, the company showed how its AI-driven, risk and wellness scoring platform assesses customer financial health and risk and enables real-time access to earned wages. The technology can be embedded directly into digital banking platforms to help community banks and credit unions boost deposit growth and enhance financial wellness for their customers and members. Interested in companies developing innovative new solutions for credit unions and their members? Check out our latest look at the Credit Union Spotlight, coming to FinovateFall 2026 next month in New York! Photo by Blue Arauz from Pexels The post AltaOne FCU Launches Veep Software’s AnyTimePay Solution appeared first on Finovate.       

Micronotes has rebranded as Eligen after selling its Cross-Sell digital engagement business to embedded fintech provider Array. Eligen will focus on helping banks and credit unions use credit bureau data to identify qualified borrowers and deliver personalized, prescreened credit offers. The company aims to help banks grow loan portfolios by automating borrower targeting and using post-campaign analytics to improve future campaigns. Digital engagement solutions provider Micronotes is revamping for the new era of fintech this week. The Massachusetts-based company has relaunched as Eligen after selling off its Cross-Sell business to Array. The new brand will help lenders proactively identify consumers who already meet certain credit criteria and send them a firm offer of credit. In the long term, Eligen plans to bring in additional data and expand offer types. Unlike traditional marketing campaigns that target consumers based on broad characteristics, Eligen uses credit bureau data to identify consumers who meet a lender’s specific credit criteria. For example, the platform may identify a consumer who holds an auto loan with another lender at a higher interest rate than the bank or credit union can offer. Eligen can then calculate the potential savings and help the institution send the consumer a personalized, prescreened offer to refinance the loan. The approach allows financial institutions to target borrowers who are more likely to qualify for the products being offered, while automating much of the work involved in identifying prospects and executing campaigns. Eligen also provides post-campaign analytics that lenders can use to measure results and refine subsequent campaigns. “Community institutions are sitting on a structural advantage—trust, rates, and local presence—but losing on speed and targeting,” said Eligen CEO Joe Heller. “Focusing our efforts means our clients get a better acquisition engine that uses post-campaign analytics to improve over time. This allows them to compete regardless of institution size.” As part of the change, Eligen will no longer operate the Cross-Sell tool, a predictive digital engagement and marketing tool that allowed banks to conduct conversational “interviews” within online banking platforms to help financial institutions identify sales opportunities, measure customer satisfaction, and pitch relevant financial products. Cross-Sell has been sold to embedded fintech products provider Array. Eligen was originally founded as Micronotes in 2008 to help financial institutions use their data to better engage their customers, foster involvement, and ultimately build new revenue. Under the new brand, the company noted that much of the operation will continue as it did when the company operated as Micronotes. The company’s employees, client contracts, and Experian partnership will all remain unchanged. As Eligen, the company will double down on its focus on using credit bureau data to help banks automate campaigns using targeted offers and actionable post-campaign analytics to grow their loan portfolios. Photo by AI25.Studio Studio The post Micronotes Offloads Cross-Sell Business, Relaunches as Eligen appeared first on Finovate.       

At a time of unprecedented competition and growing demand for more responsive, more personalized services, how are credit unions evolving to not only keep the members they have engaged, but also to grow and build their membership ranks? What are the most innovative fintech companies in the industry doing to help credit unions keep pace with digital transformation efforts, take advantage of innovations such as embedded finance, and make the most of investments in AI and cybersecurity? FinovateFall 2026’s Credit Union Spotlight is an invite-only opportunity for credit union professionals and the fintech innovators who support them to network and discuss the challenges that credit unions are facing today. The spotlight will also showcase new solutions dedicated to helping credit unions meet those challenges: from growing memberships and deposits to launching new services powered by enabling technologies like AI. The Credit Union Spotlight begins with an exclusive networking breakfast and coffee with your peers and colleagues in the credit union industry to facilitate dedicated conversations and networking. Next, a specially curated selection of fintechs will provide brief introductions and join assigned tables to discuss their solutions. After each conversation and discussion, the companies will rotate to a new table to ensure that every attendee has the opportunity to engage with our fintech innovators. Credit unions and fintechs are encouraged to follow up afterwards or arrange to meet during later networking breaks during the conference. As Finovate VP and Informa Director of Fintech Strategy Greg Palmer noted on the importance of the Credit Union Spotlight: “A lot of fintech innovators are building solutions specifically with credit unions in mind; on the flip side, more and more CUs are looking to fintech companies to help them modernize and grow. The Credit Union Spotlight is a place for both sides to come together to share ideas, discuss new innovations, and talk candidly about where and how to deploy fintech to the greatest effect.” Space at the Credit Union Spotlight is limited and only employees of credit unions are eligible to attend. To be a part of this exclusive session, reach out to session coordinator Rianne.Thompson@informa.com to save your spot on the guest list. And if you’re a fintech building solutions for credit unions and their members, the Credit Union Spotlight could be a great opportunity to showcase your innovation directly to credit union executives. Reach out to us at sponsor@finovate.com to learn more. Interested in hearing more insights from credit union leaders? Check out our roster of credit union executives who will be speaking on our main and industry stages at FinovateFall 2026 next month. Wednesday, September 9 Sherry Wu, Chief Technology Officer, University of Michigan Credit Union, will share her insights on our Power Panel: Agentic AI Will Be Revolutionary—As AI Moves from Theory to Pilots, What Are the Opportunities? How FIs are Using AI to Make or Save Money. 5:15 pm—5:45 pm. Thursday, September 10 Ben Maxim, Chief Digital Strategy & Innovation Officer, MSU Federal Credit Union, will join our Expert Debate: Show Me the Money—Proven AI Use Cases That Delivered ROI in 12 Months. 10:45 am—11:20 am. Friday, September 11 Ning Duong, President and CEO, Financial Center First Credit Union, will share her insights as part of our Power Panel on our Customer Experience & Trust stage: Customer-Centric Banking & Experience Transformation—From Product Led to Life-Stage, Personalized, AI-Enabled Engagement. 11:25 am—11:55 am. Darius Wise, President and CEO, Red Rocks Credit Union, will join our Power Panel: Distribution Wars—Deposits, Embedded Finance & Platform Economics. How Can Banks and Credit Unions Acquire, Retain, and Monetize Customers in a Fragmented Ecosystem? 2:10 pm—2:40 pm. Ami Iceman Haueter, Chief Research and Digital Experience Officer, MSU Federal Credit Union, will be a part of our Power Panel: Bank—Fintech Partnerships: From Competition to Collaboration & Co-Creation. 2:55 pm—3:25 pm. The post Credit Union Spotlight Returns to FinovateFall 2026 appeared first on Finovate.       

Wealth management firm True Potential has partnered with financial data infrastructure firm Origo, joining the company’s Integration Hub. Joining the Integration Hub will put automated, daily investment and pension valuations directly into the existing workflows of financial advisers on True Potential’s platform. Headquartered in Newcastle upon Tyne in the UK and founded in 2007, True Potential made its Finovate debut at FinovateFall 2014. UK-based wealth management company True Potential has teamed up with Origo, a financial data infrastructure company that specializes in wealth management and pension schemes. True Potential will join the firm’s Integration Hub, giving advisers the ability to access automated, data-rich, daily valuations from multiple providers directly in their current workflows. “For today’s advisers, choosing a back-office partner is about making a decision on where they want to be in five years and how to remove some of the obstacles that stand between them and their clients,” True Potential Adviser Services CEO Gregg Lang said. “Manual valuation requests are exactly that kind of obstacle—time-consuming, error-prone, and entirely avoidable. Our partnership with Origo, along with existing processes, will give advisers even more time to focus on what they do best—giving brilliant advice—and is the latest in a series of investments True Potential has made in the tools that allow advisers to run better businesses, serve more clients and grow with confidence.” The Origo Integration Hub is a popular option for financial services providers, platforms, and adviser technology ecosystems, providing a single connection that delivers automated valuation data directly into existing workflows. By standardizing and routing everything from account opening, trading instructions and transaction histories to pension and investment valuations and remuneration data, the Integration Hub removes administrative complexity by eliminating the need for multiple point-to-point integrations. Currently live and available to True Potential’s Directly Authorized advisers, the new service can be activated on an opt-in basis by advisers at no additional cost and requiring no new processes or procedures. “Advisers should not have to contend with fragmented, manual processes to access something as fundamental as valuation data,” Origo CEO Anthony Rafferty said. “We are delighted to welcome True Potential to the Origo Integration Hub, marking another important step forward as our network grows to more than 65 connected organizations across the industry.” Founded in 1989 and headquartered in Edinburgh, Scotland, Origo helps financial services companies improve performance, become more efficient, and reduce integration costs while enhancing financial outcomes for customers. The company’s Integration Hub delivers faster connections between advisers’ software systems, platforms, and providers—which can then share data between different parties connected to the Hub. The result is improved and simplified integrations between organizations and trading partners, as well as an extended market reach that helps smaller firms compete with larger ones. Origo also offers transfer services and tracking, asset migration, and mortality screening. A Finovate alum since its debut at FinovateFall 2014, True Potential was founded in 2007. The company combines personal financial advice and leading technology to offer advisers a hybrid advice approach to helping people reach their financial goals. True Potential offers tax, savings, inheritance, and investment advice services as well as ISAs, pensions, and cash savings services. True Potential began the year with an announcement that its True Potential Investments division had appointed Amundi as a strategic investment solutions partner for its Growth-Aligned fund management team. The partnership will include the provision of bespoke index-level funds for True Potential’s Growth-Aligned fund, streamlining portfolio construction and enabling greater client transparency. “Delivering exceptional client outcomes is our number one focus, so we are always looking at how we can evolve and improve our investment strategy to deliver those outcomes,” True Potential Investments Chief Executive Officer Jeff Casson said. “This appointment is a strategic move that demonstrates our agile approach to investment management and will allow us to build on the top quartile investment performance we already deliver for our thousands of clients.” Photo by Kamil on Unsplash The post True Potential Joins Origo’s Integration Hub, Giving Advisers Greater Access to Valuation Data appeared first on Finovate.       

Between last week’s announcement that it now allows parents to send money to their kids on Google Wallet and today’s press release stating that it has added Venmo as a payment option on Google Play, it appears that Google is rethinking payments. Here’s a look at the top fintech news headlines for this week. We’ll continue to add more announcements as the week progresses. Fraud and security EDGE partners with Socure to help lenders catch AI-driven fraud earlier. Navan partners with DataVisor to strengthen real-time fraud protection. iDenfy adds BankID Norway to its identity verification platform for the Norwegian market. Credit cards and payments Bilt expands Bilt OS for hospitality to include tools for travel advisors. Lending and mortgages nCino releases Mortgage MCP to allow lenders to connect AI agents directly to the nCino mortgage suite. Photo by Christina Morillo The post Fintech Rundown: A Rapid Review of Weekly News appeared first on Finovate.       

This week’s edition of Finovate Global highlights recent fintech announcements from the countries of the Caribbean. Belize Bank Inks Digital Modernization Partnership with Backbase The biggest bank in Belize is also among the first financial institution in the Caribbean to embrace a full retail and business digital banking stack in addition to AI-powered lending and onboarding. Belize Bank Limited announced this week that it has partnered with Backbase in a major, six-year partnership to implement the company’s AI-native banking OS. The financial institution, with more than $1 billion in total assets and the nation’s largest branch network, had sought a platform that would scale with its growing operations and provide consistently high-quality digital experiences across its customer base. Deploying Backbase’s AI-native Banking OS for both retail and business banking will enable Belize Bank to replace fragmented workflows with self-service, accelerated digital onboarding, and unified cash-flow visibility for business customers. Importantly, Backbase’s Banking OS sits above Belize Bank’s existing banking core, leveraging Backbase’s Connectivity Layer (Grand Central) to provide seamless integration with the bank’s existing systems. “Belize Bank is exactly the kind of institution Backbase was built for—a market leader that takes its responsibility to customers seriously and wants technology that matches that ambition,” Backbase CEO Jouk Pleiter said. “Embarking on this comprehensive modernization across retail, SME and digital lending is a true reflection of the strategic discipline of the team at Belize Bank. We are proud to partner with them to architect the financial backbone of Belize’s future economy.” Belize Bank Limited is both the country’s oldest and largest financial institution. The full-service commercial bank holds approximately 43% of the nation’s total banking assets and serves 100,000 retail and business banking clients. Headquartered in Belize City, Belize Bank was founded in 1987. “Our strategic partnership with Backbase represents a transformative step toward delivering a new era of banking—one that is seamless, intelligent, personalized, and built around the evolving needs of our customers,” Belize Bank Limited Executive Chairman Filippo Alario said. “By combining Backbase’s innovation with Belize Bank’s commitment to excellence and customer-first vision, we are laying the foundation for a future where digital banking goes beyond transactions—creating more meaningful connections, empowering our customers, and transforming the way Belizeans experience banking.” Four-time Finovate Best of Show winner Backbase was founded in 2003 and is headquartered in Amsterdam. The company’s AI-native Banking OS transforms fragmented banking operations and workflows into a unified frontline in which customers, employees, and AI agents work as one across digital channels, front-office, and operations. More than 120 leading banks around the world use Backbase’s technology solutions across verticals ranging from retail, small business, commercial, and private banking to wealth management. Creditinfo Group Acquires EveryData Group to Boost Caribbean Presence UK-based Creditinfo Group has completed its acquisition of EveryData Group, a data, analytics, and software company operating in the Caribbean. The acquisition is the culmination of a long-term partnership between the two firms, and will enable Creditinfo Group to bring advanced technology and new data solutions to financial institutions and consumers throughout the region. The greater technology integration and shared infrastructure across Creditinfo Group’s global network will also benefit customers of both firms. “This acquisition reinforces our commitment to helping build stronger financial ecosystems around the world,” Satty Saha, Group CEO at Creditinfo Group, said. “EveryData has built an impressive business with a strong reputation across the Caribbean, and together we are well positioned to bring greater innovation and value to customers throughout the region. By combining our global expertise with EveryData’s deep local knowledge, we can accelerate the delivery of new products and technologies that improve access to finance and support economic growth.” The transaction fortifies Creditinfo Group’s international presence, specifically in the Caribbean, adding primary credit bureau operations across Jamaica, Barbados, Guyana, and the Eastern Caribbean Currency Union (ECCU) of St. Lucia, Antigua and Barbuda, St. Kitts and Nevis, the Commonwealth of Dominica, Grenada, St. Vincent and the Grenadines, Anguilla, and Montserrat. The company noted that it will continue investing in technology, talent, and innovation throughout the region, helping leaders and professionals in financial institutions make better decisions while promoting financial inclusion and sustainable economic development. Barbados Launches Instant Payment System BiMPay Launched by the Central Bank of Barbados, a new instant payment scheme BiMPay is now available to individuals and businesses in the country. The new system operates 24/7, on weekends and public holidays, enabling users to send and receive money in seconds. BiMPay, according to officials, will help modernize the country’s financial system by making payments faster, more efficient, and more convenient. The first transaction on BiMPay was conducted by Barbados Prime Minister Mia Amor Mottley, who sent money to a local vendor. “A modern economy needs a modern payment system,” Central Bank Governor Kevin Greenidge said. “People need to be able to send money quickly. Businesses need to be able to receive funds and have them available to spend. Vendors want to get their funds and access their money immediately. We need a space to innovate, to compete, and to build the fintech industry that needs to be built.” The launch of BiMPay comes after months of testing with financial institutions and other stakeholders. Currently, six commercial banks and the country’s three largest credit unions are connected to the BiMPay system. Seven institutions are also linked to the BiMPay e-wallet, which enables users to make payments, request funds, and complete transactions using phone numbers, email addresses, or QR codes. Here is our look at fintech innovation around the world. Middle East and Northern Africa Israel-based payments and loyalty platform Nayax teamed up with mark-to-market credit and structured finance infrastructure company Zaria Systems. One Zero, a digital bank based in Egypt, announced a new initiative to allow customers to use the AI agent of choice to receive financial information. PayPal and stc pay Bahrain launched a cross border transfer service. Central and Southern Asia Indian fintech Cred has raised $900 million in Series H funding from Meta. Pakistan-based fintech group Abhi announced plans to launch an IPO of its microfinance bank. HonestAI inked a Memorandum of Understanding with Mongolian financial IT company Nubisoft. Latin America and the Caribbean Creditinfo Group aquired EveryData Group to boost its presence throughout the Caribbean Grupo Cibest acquired 100% of Colombian fintech Avista Colombia. Belize Bank announced a new six-year partnership with Backbase to modernize its digital banking operations. Asia-Pacific Malaysian fintech and digital bank Boost launched its agentic AI banking platform. South Korean fintech KSNet signed a memorandum of understanding with the Solana Foundation to jointly build next-generation digital asset payment infrastructure. VNExpress looked at the evolution of Vietnam’s digital asset industry. Sub-Saharan Africa Pan-African payments firm Moment secured $22 million in Series A funding. Africa-based fintech PalmPay has begun preparations for a Hong Kong IPO. Yellow Card, a stablecoin infrastructure company founded in Nigeria and currently based in Atlanta, Georgia, raised $40 million. Central and Eastern Europe Lithuanian regtech solution provider iDenfy has added Czech Bank iD to its verification platform. Wealth management platform FNZ announced plans to sell its German FNZ Bank business to Advent. Cryptocurrency platform Bybit obtained an Electronic Money Institution (EMI) license in Austria. Photo by Jamie Tudor on Unsplash The post Finovate Global Caribbean: Instant Payments, Digital Banking, and Credit Analytics appeared first on Finovate.       

FinovateFall 2026 is just over a month away. Coming to New York’s Marriott Marquis Times Square, from September 9 through 11, this year’s FinovateFall conference will feature both the familiar—in the form of our signature, seven-minute live fintech demos and standout keynote addresses—and the new, as represented by initiatives ranging from our Credit Union Spotlight to our Executive Debates to our special IMPACT Funders and Founders event. With so much on offer, it can be easy to miss or overlook a session, panel, or address. To this end, we’re going to spend the next few weeks highlighting some of the presentations we think you won’t want to miss. Today, we look at some of the mainstage addresses on the agenda across all three days of the conference. Special Address: If You Already Own the AI, Then Why Are You Still Shopping Featuring Melissa Solis, CEO of Inbenta, this presentation will discuss why most customer experience AI fails on the basics and how to tell apart a vendor that actually delivers from one that just demos. Solis also will offer a framework for auditing your customer experience against what you actually need rather than simply what you are being sold. Headquartered in Texas, Inbenta offers an agentic AI platform, Encore, that serves financial services, e-commerce, healthcare, and travel with more than 98% accuracy, near-zero hallucinations, full auditability, and more than 850 integrations to help avoid vendor lock-in. Wednesday, September 9: 10:10 am—10:25 am Special Address: Introducing Madison—Agentic Workbench for Banks This session, led by Siva Surendira, Founder and CEO of Lyzr AI, will show how Architect by Lyzr enables business users to describe a problem and get a working, governed AI agent in minutes. Surendira will also explain how thousands of those AI agents provide leadership with a live, crowdsourced view of where automation ROI truly lives. Lyzr is a category leader in agentic AI infrastructure. The company’s technology powers the internal AI platforms of firms including Accenture and Prophet. Wednesday, September 9: 3:15 pm—3:30 pm Special Address: Trust at the Speed of AI In this special address, Charlie Schilling, CEO of Macabacus, explains why trust rather than caution is what unlocks AI’s full value in finance: trust that the model being built is accurate, trust that the data is consistent across the pitch, and trust that every piece of content is on brand. Based in New York, Macabacus is a productivity and brand compliance suite for investment banks, private equity, venture capital, financial planning and analysis (FP&A) teams, and consulting firms. Thursday, September 10: 9:25 am—9:40 am Quick Fire Keynote: Fraud in the Age of AI. How to Respond When the Attacker Has Better Tools Than You Senior Director, Global Banking and Payments Intelligence for JD Power, Jennifer White, will share her insights on the challenges faced by banks, credit unions, financial services providers, their members and customers when it comes to the rise of AI-powered fraud and financial crime. White will discuss how fraud and financial crime are being increasingly globalized and industrialized, and how defenses against these threats must evolve in order to keep individuals and systems safe. JD Power is a leader in business-critical data and intelligence that supports automated decision-making. The company’s proprietary data, advanced analytics, and deep industry expertise supply lenders, insurers, original equipment manufacturers, and other firms with guidance and intelligence about customer interactions with their brands, products, and services. Thursday, September 10: 4:55 pm—5:05 pm Out of the Box Keynote Address: AI-Enhanced CX to Create Trust and Loyalty Jon Lakefish, Founder of the Lakefish Group, will deliver a practical guide to all the AI tools currently available to help enhance the customer experience and how to make the most of them. Lakefish will also host a special hands-on, interactive session in the afternoon (1:10 pm—2:00 pm) in which he will walk participants through real scenarios so they can experience firsthand how AI can save time and money, while enhancing decision-making. Lakefish Group provides speaking and hands-on workshops, as well as consulting and training, to help businesses take advantage of modern, practical AI tools to enhance their marketing and branding initiatives. Friday, September 11: 9:50 am—10:20 am FinovateFall 2026 comes to the Marriott Marquis Times Square, September 9—11. Save up to $400 when you book your ticket by August 21. The post FinovateFall 2026: My Top Five Agenda Picks appeared first on Finovate.      Related StoriesFinovateFall 2026 Agenda Revealed!FinovateFall 2025: AI, Fraud Prevention, and the Art of What’s PossibleFinovateFall 2025 Best of Show Winners Announced 

AI transformation specialist Tavant is integrating its TOUCHLESS AI mortgage automation platform with the Empower loan origination solution (LOS) from Dark Matter Technologies. The integration is designed to reduce workflow fragmentation and manual handoffs, support faster decision-making, and a more connected loan manufacturing process. Headquartered in Santa Clara, California, and founded in 2000, Tavant most recently demoed its technology on the Finovate stage at FinovateSpring 2025 in San Diego. AI transformation specialist Tavant announced the integration of its TOUCHLESS AI mortgage automation platform with Dark Matter Technologies’ Empower loan origination solution (LOS). The integration brings Tavant’s AI-driven automation capabilities to the Empower ecosystem, enabling lenders to streamline underwriting, accelerate cycle times, boost loan quality, and deliver Tavant’s exception-based, data-driven, loan decisioning technology to Empower LOS users. “Tavant is focused on helping lenders transform mortgage operations with classical, generative, and agentic AI-based automation that delivers measurable efficiency, higher levels of operational productivity, and a far better borrower experience,” Tavant Head of Fintech Products Mohammad Rashid said. “Our integration with Dark Matter extends that vision by augmenting the Empower LOS with TOUCHLESS automation capabilities, making it easier for lenders to adopt agentic workflows, exception-based processing, and automated underwriting and decisioning.” The integration enables lenders to automate key stages of the mortgage lifecycle, including loan setup, document classification, data extraction and intelligent comprehension, processing, underwriting, conditions management, and pre-close quality checks. The solution provides lenders reduced cost per loan, automation of repetitive and time-intensive tasks, improved data accuracy and consistency. This is thanks to standardized, AI-powered automation and the ability to scale loan production without significant increases in headcount. The partnership between Tavant and Dark Matter will also be a boon for borrowers, who will benefit from faster approvals, fewer requests for documentation, and a more predictable and transparent lending timeline. “We designed Empower as an open platform so partners can connect their best ideas directly to our lenders,” Dark Matter CEO Vikas Rao explained. “Tavant’s TOUCHLESS integration is a strong example of the innovation an open platform makes possible, giving lenders more ways to automate and close faster.” Headquartered in Jacksonville, Florida, and founded in 2023, Dark Matter offers an integrated platform for modern mortgage operations that combines its Empower LOS, next-generation automation, and powerful servicing capabilities to streamline and simplify the lending lifecycle. In addition to Empower LOS and its loan servicing solution Elevate, Dark Matter also offers Exchange: a connected partner marketplace for compliant, secure integrated access to a range of service providers, and Aiva, which provides AI-powered automation for documents, income, asset, and post-close quality control. Tavant made its Finovate debut at FinovateSpring 2017 and most recently demoed its technology on the Finovate stage at FinovateSpring 2025 in San Diego. At the conference, the Santa Clara, California-based company demonstrated its LO.ai solution, an AI-powered platform that enhances loan officer productivity and borrower empowerment. LO.ai integrates generative AI, voice-enabled conversational AI, and advanced data security measures to lower costs, increase lead conversion, and guarantee compliance with industry regulations. Photo by Tierra Mallorca on Unsplash The post Tavant Integrates with Dark Matter’s Empower LOS appeared first on Finovate.       

Lending has always depended on a financial institution’s ability to assess risk, make informed decisions, and deliver capital efficiently. But many of the systems supporting that process remain slow, fragmented, and heavily manual. Commercial lenders still spend days gathering documents and spreading financials, while consumers and small businesses increasingly expect faster decisions, flexible payment options, and seamless digital experiences. The companies demoing at FinovateFall 2026, taking place on September 9 through 11 in New York, are approaching these challenges from several angles. Some are using AI to accelerate underwriting and automate operational work. Others are embedding financing and flexible payment options directly into digital banking, helping institutions identify household opportunities, or rebuilding commercial lending around borrower self-service. Together, these five companies demonstrate how smarter technology can help financial institutions improve speed, efficiency, and access to financing. ALoan ALoan uses AI to automate commercial underwriting and help lenders move from borrower documents to a completed credit memo in less than 30 minutes. The platform spreads financial information from tax returns, bank statements, and borrower financials, applies the lender’s credit policies, and links each figure and conclusion back to its original source. By automating document collection, financial spreading, and credit memo preparation, ALoan enables commercial lending teams to increase throughput and reach term sheets faster without adding staff or replacing existing systems. Clockout Clockout helps banks and credit unions embed financial wellness and liquidity tools into their customer experiences. The platform is designed to increase direct deposit relationships, generate new fee revenue, and strengthen customer engagement by providing users with more ways to manage short-term financial needs. For financial institutions seeking to deepen primary account relationships, Clockout offers a way to combine financing access with broader financial wellness. equipifi equipifi enables banks and credit unions to offer Buy Now, Pay Later (BNPL) and flexible payment options directly within their digital banking platforms. Its technology allows financial institutions to present personalized purchasing power and financing offers based on customer behavior and purchase intent, including through real-time mobile notifications. By bringing BNPL inside the banking relationship, equipifi helps financial institutions participate more directly at the point of sale rather than ceding that interaction to third-party providers. OptimaFI OptimaFI’s Household Insights platform gives community banks and credit unions a household-level view of customer accounts and performance. The platform benchmarks institutional data against more than 14 billion private peer data points and provides segment-level recommendations related to growth and risk. Because it does not require a core integration, financial institutions can begin using the platform in a matter of days to identify opportunities across deposits, lending, and broader household relationships. QuickFi QuickFi offers an end-to-end digital platform for commercial equipment financing that allows borrowers to self-serve from application through final payment. The company replaces manual, paper-heavy lending processes with a digital experience that can deliver financing decisions and documentation in minutes, 24 hours a day. QuickFi helps banks and equipment manufacturers serve small business borrowers more efficiently while reducing the staffing and operating costs associated with traditional commercial lending models. Why banks should care Speed has become a competitive advantage in lending. Borrowers are less willing to wait weeks for a credit decision when another provider can deliver an answer in hours or minutes. At the same time, banks and credit unions are under pressure to grow loan portfolios without proportionally increasing headcount or operational expense. Technologies that automate underwriting, document collection, reconciliation, and servicing can help institutions make faster decisions while preserving the judgment and oversight required for responsible lending. The definition of lending is also expanding. Flexible payments, embedded financing, household intelligence, and digital self-service are blurring the lines between traditional loans, payments, and financial wellness. Financial institutions that treat these capabilities as part of a broader customer relationship may be better positioned to capture more borrowing activity, deepen engagement, and compete with nonbank providers. The companies demonstrating at FinovateFall 2026 show how institutions can modernize both the front-end borrower experience and the operational infrastructure that supports the lending process. Photo by Monstera Production The post Five Fintechs Creating Smarter Lending, Credit, and Financing Tools appeared first on Finovate.       

Core banking platform 10x Banking has raised £40 million ($53.8 million) in funding from AshGrove Capital. The UK-based fintech will use the capital to drive sales and go-to-market activity. The investment comes in the wake of the pair of major announcements from 10x Banking: becoming EBITDA-positive and topping the 10 million live account milestone. Based in London, 10x Banking won Best of Show in its Finovate debut at FinovateEurope 2023. Antony Jenkins is Founder, Chair, and CEO. SaaS core banking platform 10x Banking has secured £40 million ($53.8 million) from AshGrove Capital. The funding will fuel the UK-based fintech’s sales and go-to-market efforts and comes as the company reports becoming EBITDA-positive and surpassing the 10 million live account milestone. Additionally, in the last 12 months, 10x Banking has onboarded 10+ new financial institutions and boosted annual recurring revenue (ARR) by more than 30%. In the company’s statement, the firm underscored that its recent positive financial outcomes are the result of growing demand from financial institutions seeking to modernize legacy infrastructure, drive continuous product innovation, or develop the data and flexibility necessary to support AI-enabled banking. “Financial institutions have a clear ambition to innovate, but many remain constrained by infrastructure that was not built for real-time, digital banking,” 10x Banking Founder, Chair, and CEO Antony Jenkins said. “We created 10x to remove those constraints, enabling financial institutions to launch products faster, serve customers in real time, and compete more effectively. Our platform is now proving its value at significant scale. AshGrove’s investment is a strong endorsement of the progress we have made and will help us meet growing demand from banks around the world.” 10x Banking offers a cloud-native, core banking platform that enables banks to deliver new hyper-personalized products, services, and experiences to both retail and corporate customers faster, more efficiently, and more cost-effectively. The platform processes more than 10,000 transactions per second and runs at 99.99% uptime. Leveraging fourth-generation core banking, 10x Banking features a microservices architecture, real-time data screening, an API-first design, and a managed core that allows banks to configure rather than rebuild for each new offering. “10x Banking has built one of the most compelling technology platforms in core banking today,” AshGrove Capital Co-founder and Managing Partner Phil Fretwell said. “Delivering a cloud-native platform at enterprise scale is exceptionally difficult, yet 10x has already proven its capabilities across millions of live accounts and with some of the world’s leading financial institutions. We believe the company is well positioned to benefit from powerful industry tailwinds as banks continue replacing legacy systems with more flexible, real-time, and AI-ready infrastructure.” 10x Banking won Best of Show in its Finovate debut at FinovateEurope 2023 in London. At the event, the company demonstrated its 10x SuperCore Cards solution that enables banks to create a card proposition in minutes using the 10x Bank Manager interface. The technology empowers financial institutions to build and launch an enterprise-grade, full-stack, functional cards business solution in as little as 12 weeks. Founded in 2016, 10x Banking counts leading financial institutions such as Westpac and Chase UK among its customers. Photo by Aron Van de Pol on Unsplash The post 10x Banking Raises £40 Million from AshGrove Capital appeared first on Finovate.