At a time of uncertainty in both politics and policy, an entreaty to think about “what’s possible” might sound naive—if not terrifying. Yet, at the onset of FinovateFall 2025, which just wrapped up last week, thinking about “what’s possible” was the challenge laid down by Finovate VP and Master of Ceremonies Greg Palmer. And to the delight of our FinovateFall audience, it was a challenge that our demoing companies, keynote speakers, and insightful panelists were more than ready to accept. What we heard from the experts What’s possible … AI as a tool to empower and augment human action was an especially persistent theme over the three days of FinovateFall. In fact, even our pre-conference, invitation-only, Leaders+ event on Sunday evening featured a reminder that AI was increasingly the tool of choice for those under 30 when it came to a range of financial tasks from establishing a budget to making better credit decisions. Crucially, as J.D. Power’s Jennifer White pointed out, Gen Z is using AI for answers to more immediate questions, not exclusively for long-term planning. For them, AI is a co-pilot rather than a forecasting or projecting tool. This sentiment was elaborated on by Alex Johnson of Fintech Takes in his Analyst All Stars presentation Tuesday morning. Johnson took on the notion of AI as a tool for automation, suggesting instead that AI—and Large Language Models (LLMs) more specifically—be thought of as ways to augment human activity rather than replace it outright. Johnson underscored LLMs as “probabilistic guessing machines” rather than “determinist systems,” and explained that to the extent that the latter is what’s required in financial services, LLMs alone can fall short. That said, Johnson noted that by applying LLMs in ways that maximize what they are good at, financial institutions can leverage processes like mortgage servicing to better understand the diverse and even niche preferences of their customers. This data can be used not only to introduce new products and services, but also to scale up entire new businesses built around these edge cases. No conversation about AI at FinovateFall would be complete without a reference to Jon Lakefish’s return to the Finovate stage for another mind-bending conversation on the latest AI tools. His Wednesday morning keynote—Creating Trust and Loyalty through AI-Enhanced CX—helped attendees understand the powerful resources available to not only build new products, but also to discover what new solutions are possible given a deeper, AI-enabled analysis of a business, its customers, and goals. In less than five minutes, Lakefish showed how a variety of readily available AI tools could enable, say, a Finovate sponsor, to uncover and pursue a new niche product line. From the latest innovations in ChatGPT—”the LLM platform for almost everything”—to Manus.AI, the first publicly available Agentic AI platform Lakefish has felt comfortable showcasing, the message was clear: the world of what’s possible is becoming larger every day and AI is a primary resource for navigating and creating within it. One telling insight shared during our Investor All Star panel at the end of Day Three underscored the power and potential for AI when it comes to emerging fintechs, in particular. During a discussion on which trends investors were most drawn to, our panelists cited fraud prevention and compliance technology among the most attractive areas for investment, with personal finance management (PFM)-related solutions increasingly less so. Nevertheless, panelist Lindsey Fitzgerald of Vesey Ventures noted that even within this group, it was possible for truly innovative startups to stand out if they are able to deploy enabling technologies like AI in new and novel ways. “AI changes the possibility of a startup being 10x better (than its rivals) in any category,” she explained. What we saw from the innovators I have long contended that the roster of companies that win Best of Show at Finovate conferences in any given year is as good a heat check on the state of fintech innovation as you’re likely to find. This year’s batch of FinovateFall Best of Show winners was no exception. By theme, FinovateFall attendees were impressed by innovations in a wide range of areas. Nevertheless companies innovating in the fraud prevention space probably experienced the greatest amount of on-stage competition—a point I’ll return to. Kudos to Casap for standing out from an impressive pack with its technology that helps combat fraud, including an especially pernicious form of e-commerce crime called “first-party fraud.” Founded in 2023 and headquartered in New York, Casap recently raised $25 million in Series A funding for its payment dispute resolution solution. Arguably the most compelling case for financial institutions to offer services like investments came from Eko CEO Mart Vos. His company, now a two-time Finovate Best of Show winner, provides a solution that enables financial institutions to integrate digital investing functionality directly into their platforms. Vos warned banks and credit unions not to be complacent as their customers open investment accounts with innovative brokerages like Robinhood. While mere brokerages today, many of these firms are looking at ways of expanding their banking offerings, or obtaining banking licenses outright. By integrating investment services into their platforms and making them seamlessly accessible, financial institutions incentivize customers and members to keep their funds “at home.” Enabling more qualified borrowers to secure funding is a cause championed by many innovative fintechs and it is no surprise to see two such companies among this year’s Best of Show winners. This year at FinovateFall, New York-based Krida demonstrated its AI intelligence layer for business lending. The company’s solution leverages AI to provide bankers with automated workflows for document collection, lead tracking, and data management. This enables new bankers to be more effective sooner and empowers all bankers to spend more time with their client relationships and less time with paperwork. Hailing from the other side of the country, Irvine, California-based LendAPI is a super orchestration platform that enables CTOs, CROs, and CCOs to work together to build enterprise platforms. At FinovateFall, LendAPI CEO Timothy Li demonstrated how to use the technology to launch a 1003 mortgage application in minutes. Both Krida and LendAPI are newcomers to the Finovate stage. Another Finovate newcomer to take home Best of Show honors from FinovateFall last week was VerticeAI. The Atlanta, Georgia-based fintech provides credit unions and community banks with tools for predictive analytics, AI-powered marketing content, and targeted customer acquisition. The company began the year announcing new partnerships with Texas-based Education Credit Union and North Carolina-based Duke University Federal Credit Union. Last but certainly not least, it was great to see the positive impression LemonadeLXP made on our FinovateFall audience last week. A Finovate alum since 2022 and, like Eko, now a two-time Best of Show winner, LemonadeLXP offers a learning experience and digital adoption platform for both the staff and customers of financial institutions. At the conference, the Ottawa, Canada-based company demoed its InsightAI solution which enables firms to develop and deploy their own employee training programs. Where we go from here This year I was struck by the number and quality of solutions on display that were dedicated to fighting fraud and dealing with related concerns like dispute management and chargebacks. Fraud prevention may not be the most glamorous corner of fintech. Fraud in the digital space is a persistent, if not growing, threat to all of us; someone very close to me lost their life savings in a phishing scam earlier this year. But it’s not something that we like to talk about very much. Victims feel shame. Institutions suffer reputational damage. Providers scramble to offer their own proprietary solutions. The fraud lifecycle, so to speak, is silent and siloed. And this makes fraud harder to fight. Perhaps this is why some of the most novel technology innovations and business strategies are found among those engaged in the fight against fraud. Consider the aggressive deployment of AI to combat deepfakes or the increasingly common collaborations between institutions—particularly credit unions and community banks—to share best practices to keep their members and customers safe. At a time when personal security concerns are paramount—in financial services and beyond—it is heartening to know that so many of fintech’s best and brightest are on the case. The post FinovateFall 2025: AI, Fraud Prevention, and the Art of What’s Possible appeared first on Finovate.      Related StoriesFinovateFall 2025 Best of Show Winners AnnouncedFinovateFall 2025 Sneak Peek Series: Part 9FinovateFall: Advanced Authentication, AI in Lending, and the Fate of Open Banking 

Quinte Financial Technologies launched its dispute and fraud case management platform CaseHUB this week. The new offering is built for banks, credit unions, fintechs, and credit union service organizations (CUSOs) to help them manage more cases faster and more accurately. Founded in 2019, Quinte Financial Technologies made its Finovate debut at FinovateSpring 2025 in San Diego, California. New York-based Quinte Financial Technologies has unveiled its next-generation fraud and dispute management solution, CaseHUB. Designed for financial institutions ranging from banks and fintechs to credit unions and credit union service organizations (CUSOs), CaseHUB combines data, workflows, and analytics into a single intelligence interface to help FIs manage more cases faster and more accurately. CaseHUB empowers financial institutions with pre-built workflows and built-in compliance features that help them avoid repetitive, manual tasks as well as ensure adherence to shifting regulatory policies and mandates. With pragmatic AI, configurable processes, and end-to-end auditability, the platform accelerates dispute resolution via an auto-decisioning capability and leverages alert signals and adaptive analytics to identify fraud patterns. Built-in workflows and compliance rules make case management seamless across payments, channels, and functions, enabling fraud and dispute management teams to work more efficiently. “Financial institutions are under growing pressure to respond to disputes and fraud cases swiftly, without sacrificing accuracy,” Quinte Financial Technologies President Sriram Natarajan said. “With CaseHUB, we are giving them a smarter, more scalable way to manage risk and build trust with accountholders.” Founded in 2019 and headquartered in New York, Quinte Financial Technologies made its Finovate debut at FinovateSpring 2025 in San Diego, California. At the conference, the company demonstrated its Advanced Dispute Manager (ADM), which provides a comprehensive dispute resolution approach that automates the management of customer and merchant disputes across ACH, POS, ATM, checks, wire transfers, and Zelle. With seamless case documentation and communication to ensure full Reg E compliance, ADM lowers risk, limits losses, boosts productivity, and streamlines operations. This month, Quinte Financial Technologies has announced partnerships with OrboGraph to modernize check fraud detection and case management for financial institutions, and with Mountain America Credit Union to “transform fraud prevention and (the) member experience.” With more than 1.2 million members, Mountain America Credit Union has 100+ branches across five states and is recognized as the eighth largest credit union in the US. Photo by Tara Winstead The post Quinte Financial Technologies Launches CaseHub to Enhance Fraud Management appeared first on Finovate.       

FinovateFall may have wrapped up last week, but the fintech news cycle continues to roll on. Check out the latest happenings in banking and fintech below. We’ll continue adding news to this post throughout the week, so stay tuned! Crypto and DeFi Reliance Global Group (RELI) expands into cryptocurrency and blockchain-enabled insurance-linked assets. Tether unveils USA₮, its US-regulated dollar-backed stablecoin. Lending Mobilization Funding launches Maximus, an all-in-one loan management platform for contractors and manufacturers. Lendbuzz files for IPO. Payments HALA raises $157 million in Series B rounds led by TPG and Sanabil Investments. Business financial management DianaHR raises Seed round to bring HR-as-a-Service to SMBs. Wealth management SigFig rebrands as Tandems; rolls out AI-embedded tools. Photo by Miguel Á. Padriñán The post Fintech Rundown: A Rapid Review of Weekly News appeared first on Finovate.       

Congratulations to the six companies that won Best of Show at FinovateFall 2025 this week! This year’s roster of FinovateFall Best of Show winners includes proven veterans that have earned Best of Show awards from Finovate audiences in the past, as well as companies new to Finovate who impressed our attendees with their live demonstrations of problem-solving innovations in fields ranging from digital banking and wealth management to financial education and AI-enabled data management. Please join us in congratulating all of the companies that demoed their latest fintech innovations at FinovateFall this week. And with that, meet the winners of Best of Show for FinovateFall 2025! Casap for its technology that helps financial institutions and fintechs lower operational costs and lift, curb fraud-related losses, accelerate resolution times, and strengthen customer relationships at scale. Eko for its solution that enables clients to increase logins into digital banking by 4x and bank deposits by 11%, while reducing the likelihood of customers leaving their financial institution by 6x. Krida for its technology that reduces cycle times, manual tasks, and borrower drop-off, giving banks a faster path to funded loans, higher throughput, and stronger community relationships. LemonadeLXP for its InsightAI that improves staff and customer education and access to knowledge while driving significant operational efficiencies. LendAPI for its cross-organizational collaboration tool where CTOs, CROs, and CCOs can all build an enterprise platform together. Vertice AI for its innovation that leverages AI to translate data into personalized product and service recommendations, helping teams boost engagement, acquisition, and retention through smarter, hyper-targeted outreach. We’d like to thank everyone who made FinovateFall 2025 such a great success: our sponsors, speakers and delegates who continue to make Finovate conferences must-attend events on the fintech calendar. The next stop on the Finovate tour is sunny San Diego for FinovateSpring 2026. We look forward to seeing you there! Notes on methodology: 1. Only audience members NOT associated with demoing companies were eligible to vote. Finovate employees did not vote. 2. Attendees were encouraged to note their favorites during each day. At the end of the last demo, they chose their three favorites. 3. The exact written instructions given to attendees: “Please rate (the companies) on the basis of demo quality and potential impact of the innovation demoed.” 4. The six companies appearing on the highest percentage of submitted ballots were named “Best of Show.” 5. Go here for a list of previous Best of Show winners through 2014. Best of Show winners from our 2015 through 2025 conferences are below: FinovateEurope 2015 FinovateSpring 2015 FinovateFall 2015 FinovateEurope 2016 FinovateSpring 2016 FinovateFall 2016 FinovateAsia 2016 FinovateEurope 2017 FinovateSpring 2017 FinovateFall 2017 FinovateAsia 2017 FinovateMiddleEast 2018 FinovateEurope 2018 FinovateSpring 2018 FinovateFall 2018 FinovateAsia 2018 FinovateAfrica 2018 FinovateEurope 2019 FinovateSpring 2019 FinovateFall 2019 FinovateAsia 2019 FinovateMiddleEast 2019 FinovateEurope 2020 FinovateFall 2020 FinovateWest 2020 FinovateEurope 2021 FinovateSpring 2021 FinovateFall 2021 FinovateEurope 2022 FinovateSpring 2022 FinovateFall 2022 FinovateEurope 2023 FinovateSpring 2023 FinovateFall 2023 FinovateEurope 2024 FinovateSpring 2024 FinovateFall 2024 FinovateEurope 2025 FinovateSpring 2025 The post FinovateFall 2025 Best of Show Winners Announced appeared first on Finovate.      Related StoriesFinovateFall 2025 Sneak Peek Series: Part 8FinovateFall 2025 Sneak Peek Series: Part 7FinovateFall 2025 Sneak Peek Series: Part 9 

We are thrilled to unveil the winners of the 2025 Finovate Awards! This is our opportunity to recognize companies driving fintech innovation forward and individuals bringing new ideas to life across 26 categories. The finalists This year’s Finovate Awards brought together leading banks, fintech firms, and individuals across 26 categories. After reviewing hundreds of applications, we first announced our finalists last month. Now, after weeks of deliberation, our expert judging panel has selected the winners. The judges Our awards are meaningful because they are decided by a panel of industry experts, representing a diverse range of perspectives across banking, fintech, investing, and technology. This group of fintech experts has had the difficult task of selecting the final winners, and their work is now complete. The winners Without further ado, here are the 26 winning companies of the 2025 Finovate Awards. Congratulations to all! These companies and leaders represent the best of fintech innovation today. Which winner are you most excited about? Join the conversation and share your thoughts on social. Best Alternative Investment SolutionInvestiFiBest Anti-Fraud/AML SolutionOscilarBest Back-Office/Core Services SolutionSAP FioneerBest Banking as a Service ProviderZindigiBest Consumer Lending SolutionWisetackBest Consumer-Facing Payments SolutionEngage PeopleBest Corporate Payments SolutionTransferMateBest Customer Experience SolutionMillennium bcpBest Digital BankNubankBest Embedded Finance SolutionUnion CreditBest Enterprise Payments SolutionCheckout.comBest Financial Mobile AppDBS BankBest Fintech PartnershipEngine by Starling, GFT Technologies & SaltBest Generative AI SolutionDataVisorBest ID Management/KYC SolutionIncode TechnologiesBest Insurtech SolutionClearwater AnalyticsBest Marketing/Customer Acquisition SolutionBMOBest RegTech SolutionFinScanBest SMB/SME Banking SolutionApitureBest Wealth Management SolutionFlourishExcellence in Financial InclusionPayJoyExcellence in SustainabilityVyStarExecutive of the YearRaj SeshadriInnovator of the YearChandini JainMost Impactful AI-Based SolutionTalkdeskTop Emerging Fintech CompanyWinnow Photo by Designecologist The post Congrats to the 2025 Finovate Awards Winners! appeared first on Finovate.      Related StoriesCongrats to the 2024 Finovate Awards Winners!Congrats to the 2023 Finovate Awards Winners!Congrats to the 2022 Finovate Awards Winners! 

Eleven of the more than 60 companies that will be demoing their latest fintech innovations live on stage at FinovateFall next week are headquartered in countries other than the US. This week’s edition of Finovate Global highlights these fintechs from the Middle East, Western and Central Europe, Canada, India, the UK, and Ireland. With innovations in fields ranging from wealth management and digital banking to fraud prevention and lending, this year’s roster of international alums is a reminder of the robustness of fintech innovation around the world. FinovateFall 2025 comes to the New York Marriott Marquis in Times Square, September 8 through September 19. Tickets are still available. Visit our FinovateFall hub and save your spot today! Aurem – Abu Dhabi, UAE Founded in 2022, Aurem offers an intelligent operating system for retirement and wealth providers. Their platform helps institutions unify and optimize their products, processes, and data and deliver them globally in days. Dimply – Ireland Founded in 2020, Dimply enables organizations to optimize operations, enhance customer engagement, uncover growth opportunities, and accelerate digital transformation. ebankIT – Porto, Portugal Founded in 2014, ebankIT empowers financial institutions to innovate quickly, reduce costs, and deliver personalized services across all channels, accelerating growth and future-proofing their digital strategy. FintechOS– London, England Founded in 2017, FintechOS enables banks and credit unions to launch any product faster, modernize customer experiences, and adapt quickly to market and regulatory changes—without replacing their core systems. ID-Pal – Dublin, Ireland ID-Pal facilitates business growth with AI-powered identity verification and AML screening, increasing operational efficiency and customer trust. Keyless – London, England Founded in 2019, Keyless replaces outdated MFA with biometrics, improving UX and saving millions. One bank saved $3.5 million by eliminating call centers for OTP-based recovery. LemonadeLXP – Ottawa, Canada Founded in 2018, LemonadeLXP’s InsightAI improves staff and customer education and access to knowledge, while driving significant operational efficiencies. MoneyPlanned – Bengaluru, India Founded in 2021, MoneyPlanned empowers institutions to offer intelligent, automated financial planning—boosting advisor efficiency, reducing cost-to-serve, and delivering personalized client experiences at scale. OPL – Ahmedabad, Gujarat, India Founded in 2015, OPL’s cash-flow-based lending helps banks transform their operations through agile lending, AI-driven insights, and intelligent credit underwriting—expanding credit access to SMEs. R34DY – Budapest, Hungary Founded in 2019, R34DY helps organizations transform their business by taking the pain out of integrations and making it easy for business owners to create use cases and reduce time to market. Sequretek – Mumbai, India Founded in 2013, Sequretek provides AI-powered, continuous threat exposure management ensuring compliance, governance, and holistic threat visibility across cloud and on-premises systems. Here is our look at fintech innovation around the world. Latin America and the Caribbean Mexico-based SME platform Kapital doubled its valuation to $1.3 billion upon securing up to $100 million in Series C funding. Latin America’s largest insurtech, 180 Seguros, raised $9 million in funding. Evertec acquired 75% stake in Brazilian fintech Tecnobank. Asia-Pacific Hong Kong-based stablecoin-powered cross-border payments infrastructure provider Obita announced $10 million in new funding. Stripe Terminal launched in Japan. International payment solutions provider dtcpay inked a Memorandum of Understanding (MoU) with the People’s Committee of Da Nang during Vietnam Blockchain Day. Sub-Saharan Africa Tanzania-based fintech NALA expanded into Kenya courtesy of a partnership with Equity Bank and Pesalink. Ripple partnered with Chipper Cash, VALR, and Yellow Card to make its USD-backed stablecoin Ripple USD (RLUSD) available to institutions in Africa. Congolese fintech Maishapay earned a spot in Visa’s Africa Fintech Accelerator program. Central and Eastern Europe JPMorgan Chase announced plans to launch a digital bank in Germany. Payments network TrueLayer went live in Poland this week. Tietoevry Banking signed a SaaS agreement with IC Cash Services, its first foray into the German ATM market. Middle East and Northern Africa Israel-based fraud prevention innovator BioCatch and Nasdaq Verafin partnered to fight payment fraud. Mastercard and Zain Cash teamed up to advance digital payments in Jordan. Egyptian cross-border digital solutions provider Munify raised $3 million in seed funding. Central and Southern Asia Amazon announced completion of its acquisition of India-based lender Axio. Mongolia-based fintech AND Global locked in $21.4 million in Series B funding. Fintech Alif Uzbekistan reported that it is preparing to apply for a banking license from the country’s Central Bank. Photo by Gaël Gaborel – OrbisTerrae on Unsplash The post Finovate Global: Meet the International Alums of FinovateFall 2025! appeared first on Finovate.       

ID.me raised $340 million in a Series E investment plus a credit facility, which boosts its valuation to over $2 billion and brings its total funding to $1.1 billion. The funding will accelerate secure, reusable digital identity solutions and combat AI-driven fraud, which cost the US up to $521 billion annually. ID.me now counts 152 million users, totaling 60% of US adults, with adoption across 20 federal agencies, 45 states, and 600+ brands. Digital identity network ID.me revealed this week that it has raised $340 million in a Series E financing round plus a credit facility. The round values ID.me at more than $2 billion.  Ribbit Capital led the investment, while existing investors Ares Credit Funds and Moonshots Capital, as well as new investors, including Positive Sum, also participated. ID.me will use the funding to accelerate its mission to expand access to secure, reusable digital identity and to stop AI-driven fraud. The funds, which bring ID.me’s total raised to $1.1 billion, come at a time of rising fraud across the globe. According to the Government Accountability Office (GAO), the US government lost up to $521 billion annually to fraud between 2018 and 2022. The increase in fraud is fueled by stolen identities and deepfakes, both of which are increasing vulnerabilities faster than ever. “Fraud is evolving at the speed of AI—and so are we,” said ID.me Founder and CEO Blake Hall. “Secure identity is foundational to AI ecosystems that will depend on memory, context, and authentication, and ID.me is leading the charge. This funding strengthens our ability to expand secure digital access, protect privacy, and innovate faster to stay ahead of criminal networks.” ID.me was founded in 2010 to serve as a digital identity wallet that helps users prove and share their identities online without disclosing additional personal information. The company maintains a digital identity network that includes 20 federal agencies, 45 state agencies, and 600+ retail brands, all of which use ID.me to verify customers’ identities and affiliations. ID.me’s ID wallet helps users prove they belong to certain affiliated groups, such as teachers, students, first responders, or military veterans. Last year, ID.me added 20.4 million new wallets, which breaks down to over 55,000 each day. That same year, it also powered more than 409 million successful logins, representing a 44% increase year-over-year. In total, ID.me counts 152 million users, representing nearly 60% of adults in the US. “We believe the AI revolution will reshape the global economy, and identity will be its foundation,” said Ribbit Capital General Partner Justin Saslaw. “As AI agents become ubiquitous, trusted identity tokens will enable secure, seamless interactions between people, organizations, and machines. ID.me has built one of the most advanced and widely adopted digital identity wallets in the world, giving it a durable advantage in creating and scaling the identity tokens that will power this new era. We’re excited to partner with Blake and the ID.me team as they expand their leadership in the token-driven AI economy.” The post ID.me Raises $340 Million at a $2 Billion Valuation appeared first on Finovate.       

Banking solutions provider nCino announced the general availability of ProBanker by FullCircl. The new offering, developed in partnership with Experian, gives banks and other financial institutions visibility into credit status, affordability, and liquidity. nCino was founded in 2012. The company acquired FullCircl in October 2024. Less than a year after acquiring Client Lifecycle Intelligence platform FullCircl, banking solutions provider nCino has announced the general availability of ProBanker by FullCircl. Developed in collaboration with fellow Finovate alum Experian and part of a suite of Smart Solutions, ProBanker provides near real-time visibility into commercial credit status, affordability, and liquidity across the UK lending landscape. This enables banks and other financial institutions to follow and observe potential opportunities and risks at both the portfolio and individual level. “This isn’t theoretical—it’s about solving the fundamental problem every commercial lender faces: How do you assess true customer risk and identify opportunity when you only see part of their financial picture?” nCino Associate Director, Product Management, Immy Tugcu said. “ProBanker represents a timely and transformational capability for both traditional and alternative funding providers looking to improve portfolio performance, retain market share, and meet growing expectations around speed, compliance, and customer experience.” ProBanker leverages a rich dataset of approximately 18 million UK commercial credit accounts, as well as business current account data beyond the mandated Competition and Markets Authority 9 (CMA9) banks. The solution empowers lenders with a multi-bank, total market view of a customer’s credit exposure, and enables them to track both affordability and liquidity in near real-time. ProBanker helps strengthen portfolio health by spotting early warning signs of financial distress, and enhances customer outcomes through proactive engagement and personalized outreach. In a statement, nCino noted that, in an initial pilot with a major UK bank, the financial institution observed that ProBanker helped them identify potential credit risks six months earlier on average compared to its current processes. The bank also said ProBanker helped them support customers who were eligible for extended or new funding products. “In today’s fast-paced and increasingly complex lending environment, real-time, high-quality data and insight are the bedrock of being able to make confident, informed decisions at speed,” said David Gallihawk, Experian UK&I Chief Product Officer, Business Information Services. “ProBanker delivers exactly that. Our collaboration with nCino will bring greater transparency and help modernize lending opportunities, allowing clients to unlock deeper value from their portfolios.” Founded in 2012, nCino made its Finovate debut at FinovateEurope 2017 in London. The company’s ProBanker with FullCircl launch comes a little over a month after the company announced that Japanese bank group SBI Credit Guarantee Co., Ltd. had gone live with nCino as the platform for its mortgage guarantee business. In May, nCino unveiled a range of new platform enhancements designed to help banks, credit unions, and other financial institutions secure a competitive advantage via intelligence-driven automation. Photo by Pixabay The post nCino Launches ProBanker by FullCircl appeared first on Finovate.       

What are you looking forward to most at FinovateFall next week (September 8 through September 10; New York Marriott Marquis Times Square)? Is it the 60+ live fintech demos that will hit the stage first thing Monday morning? Maybe it’s our keynote address on banks and stablecoins, or one of our executive briefings on community banking or AI in financial services? Maybe you’re one of the lucky ones invited to our special Leaders+ event Sunday evening? Whatever you’ve got your sights set on, we’re thrilled to have you join us in New York for our annual fall conference. And to further whet your appetite for all things FinovateFall, here are a few exciting options to add to your agenda that Finovate attendees over the years have cited as among their favorites. Tickets to the show are still available! Visit our FinovateFall registration hub and save your spot today! Analyst All Stars: How financial services have been changed forever FinovateFall always kicks off Day Two with our Analyst All Stars session. One of our most popular features, Finovate’s Analyst All Stars showcases three leading fintech analysts who take the stage for just seven minutes each to focus on a specific issue in our industry. Our expert analysts will share their insights on the trends that are impacting fintech today and driving the innovations of tomorrow. Tue, Sept 9. 9:05 am. Tech Trends That Will Define Financial Services & Fintech into the Next Decade The Bank of 2030—How to Move from a Product Centric Design to Life Stage Banking Beyond the Application: Making Customer Onboarding More Effortless Featuring: Alex Johnson, Founder, Fintech Takes Tiffani Montez, Financial Service Practice Lead, EMARKETER Suraya Randawa, General Manager—Digital, Curinos Speaker-Led Lunch Discussions: A Taxing Time for Fintech: JPMorgan Data Fees & What it Means for Open Banking in the US Our Speaker-Led Lunch Discussions are a great way to network and share insights with leading fintech analysts, founders, and executives on some of the most topical issues in fintech and financial services. This year, we’re focusing on the challenges that open banking is facing in the US—from JPMorgan’s threat to charge for access to consumer data to the regulatory battles in Washington, DC and in the courts. Tue, Sept 9. 12:40 pm. Featuring: Phil Goldfeder, CEO, American Fintech Council (AFC) Michelle Beyo, CEO & Founder, Finavator Alex Johnson, Founder, Fintech Takes Investor All Stars: In turbulent times, what is the outlook for the market & what does it mean for funding levels, valuations & the future of financial services? Looking to the future, how can niche product fintechs be turned into platform companies? What is the current state of fintech funding? How will the policies of the Trump administration impact investment in growing fintechs? What can we expect in the M&A space? What areas of fintech are seeing the strongest investment and where are fintechs most vulnerable to funding shortfalls? Our Investor All Stars panel will tackle all these questions and more! Wed, Sept 10. 3:35 pm. Featuring: Josh Tanenbaum, Managing Partner, Rebalance Capital (moderator) Lindsay Fitzgerald, General Partner & Co-Founder, Vesey Ventures Boyang Li, Principal, Framework Venture Partners Mary Joseph, Senior Vice President, Strategic Investments, Citi The post 3 Can’t-Miss Sessions at FinovateFall: All Stars, Investment Trends, and Open Banking appeared first on Finovate.       

FinovateFall 2025 is just over a week away. Coming to the New York Marriott Marquis in Times Square, this year’s fall conference begins on Monday, September 8 and continues through Wednesday, September 10. With more than 2,000 senior decision-makers, 60+ live fintech demos, and 475+ financial institutions represented—including all of the top 20 US banks—FinovateFall 2025 is set to be one of our biggest events to date. If you haven’t registered, there’s still time! Visit our FinovateFall hub and save your spot today. To help you make the most of your visit, here’s a quick checklist of things-to-do and need-to-knows. Get Connected Be sure to download the ConnectMe app and set up your profile. You’ll be able to review the agenda, set your schedule for the week, and start networking. For live updates, follow #FinovateFall on LinkedIn and X/Twitter. FinovateFall 2025 will feature more than 10 hours of dedicated networking time. Keep an eye out for our interactive discussion tables, which are a great way to connect with peers and share insights on issues ranging from AI in financial services to the battle for deposits. At the Event The week begins with our invitation-only Leaders+ VIP banking session. Sunday, September 7 at 6 pm. Registration opens each conference morning (Monday through Wednesday) at 8 am. Continental breakfast and coffee will be available in the networking area. General sessions begin at 9 am each morning. Highlights Our live demos begin Monday morning and continue through Tuesday afternoon. The Best of Show awards presentation will take place Tuesday evening at 5:50 pm in the networking hall. Be sure to check out some of our perennial attendee favorites including Analyst All-Stars on Tuesday morning at 9:05 am, our industry stages on Wednesday morning starting at 10:45 am, and our Investor All-Stars Panel on Wednesday afternoon at 3:35 pm. Join us for book signings with Ben Feller, Jason Mikula, and Theodora Lau. And have a little fun in our networking area with a portrait from our onsite caricaturist or a magic trick from our award-winning strolling magician and mentalist! Final notes Please remember to bring—and wear—your badge every conference day. You’ll need it to enter the event. Dress code is business casual to business formal. Questions? Visit our team at the registration booth on site, or ask a Finovate team member for assistance. We can’t wait to show you what we have in store for you this year! See you in NYC! The post Know Before You Go: A FinovateFall Checklist for Delegates appeared first on Finovate.       

Autumn does not officially arrive for a few more weeks. But for many of us, the end of the Labor Day weekend serves as a pretty good starting point for the fall season. We’ll be watching the headlines over the next few days here on Finovate’s Fintech Rundown to see if September brings the kind of acceleration in news activity that we’ve come to expect around this time of year. And did we mention that FinovateFall is just days away? There’s still plenty of time to get your ticket and join us in New York, Monday, September 8 through Wednesday, September 10. Crypto and DeFi Cryptocurrency platform Gemini files for an IPO, seeking a valuation of as much as $2.22 billion. El Salvador announces plan to divide bitcoin reserves into multiple wallets to defend against potential future quantum computing attack. Digital banking UK-based digital bank Zopa acquires AI-powered payments automation company Rvvup. Payments Payments network TrueLayer goes live in Poland. Corporate payments company Corpay announces strategic partnership with independent software vendor (ISV) SKsoft. Insurtech Eleos Life launches AI-powered digital co-pilot for life insurance, Theea. Small business solutions Expensify announces new integration with DoorDash for Business. Photo by Aaron Burden on Unsplash The post Fintech Rundown: A Rapid Review of Weekly News appeared first on Finovate.       

A look at the companies demoing at FinovateFall in New York on September 8 – 10. Register today using this link and save 20%. EnFi EnFi is an AI platform addressing challenges in data, risk visibility, and staffing within commercial lending. Features Delivers highly-accurate borrower data ingestion, classification, and spreading Provides near-instant credit box fit analysis for deal screening Offers automated portfolio monitoring that flags risks before they happen Who’s it for? Banks, credit unions, private credit funds, and fintech lenders. Monkey Tech Monkey Tech is a digital, transparent supply chain finance marketplace that is revolutionizing working capital through its auction-based multi-funder platform. Features Includes an auction-based marketplace with 115+ lenders Provides 100% digital supplier onboarding in three clicks Delivers a 36bps average rate reduction vs market Who’s it for? Monkey Tech connects large corporations, SMEs and their supplier networks with banks, credit unions, and institutional investment funds. OmniAI OmniAI accelerates borrower onboarding with AI agents that automate document collection, data verification, and intelligent follow-ups, delivering decision-ready data directly into underwriting. Features Guides borrowers from intake to underwriting via email, SMS, and voice Collects documents and verifies data in real-time Responds 24/7 and prevents borrower drop-off Who’s it for? Banks, credit unions, and non-bank lenders across SBA, equipment finance, real estate, and other lending verticals. ONEBIT ONEBIT is an AI-powered financial assistant that connects small business sales and banking data, delivering real-time insights, reports, and smarter tools for easier financial management. Features Delivers real-time financial insights across sales and banking Automates reports and cash flow tracking Simplifies decision-making for small business owners Who’s it for? Small-and-medium-sized business owners. Sideko Sideko significantly reduces integration time by allowing users to describe workflows in plain English and get back complete, production-ready integration code quickly. Features Produces production-ready integration code for internal and external use from a simple prompt Shortens time to revenue and value Offers zero-maintenance integrations that automatically stay current Who’s it for? Banks, financial institutions, insurance organizations, payment providers, SMBs, and startups. WaveCX WaveCX is a digital engagement layer for financial institutions, delivering interactive demos, AI-powered search, and personalized in-app content to drive adoption and reduce support costs. Features Streamlines banking tasks instantly with type-to-action interface Reduces support costs and errors with AI-powered automation Drives adoption and improves customer satisfaction with personalized recommendations Who’s it for? Banks and credit unions. The post FinovateFall 2025 Sneak Peek Series: Part 9 appeared first on Finovate.      Related StoriesFinovateFall 2025 Sneak Peek Series: Part 8FinovateFall 2025 Sneak Peek Series: Part 7FinovateFall 2025 Sneak Peek Series: Part 6 

This week’s edition of Finovate Global looks at recent fintech news from Singapore. Open banking firm Atlas Consolidated raises $18.1 million Open banking may be on the ropes in the US, but progress is marching on in Singapore. Open banking platform Atlas Consolidated, a Singapore-based Banking-as-a-Service (BaaS) company, announced that it had secured $18.1 million in Series B funding. The investment was led by Tin Men Capital, and featured participation from strategic investors Getz, Inc. and Woodside Holdings Investment Management. Atlas Consolidated is the owner of Hugosave and HugoHub, and leads the consortium behind HugoBank. Hugosave is the company’s wealth and savings app with 100,000 customers in Singapore. HugoHub is Atlas Consolidated’s BaaS platform, which provides a full-suite of modular banking services via a single integration. HugoBank secured its digital banking license from the State Bank of Pakistan at the beginning of 2025. “Banks are under immense pressure to transform digitally while still relying on decades-old core systems that are costly, rigid, and fragmented,” Tin Men Capital Co-Founder and Managing Partner Jeremy Tan said. “HugoHub’s full-stack ‘bank-in-a-box’ solution gives banks the flexibility to launch new products, integrate services where they matter most, and refine features without disrupting the wider system. In turn, they can innovate faster, compete with neo and challenger banks, and operate with radically better economics.” HugoHub, according to the company, has reduced users’ technology spending by up to 90%, cut overall operating expenses by up to 80%, and enables higher customer-to-staff ratios than are possible with traditional banking models. “This investment marks a pivotal step in our mission to build better banks through technology,” Atlas Consolidated CEO David Fergusson said. “With Tin Men Capital’s support, we can accelerate HugoHub’s expansion to new markets, helping traditional financial institutions create more efficient, inclusive, and sustainable systems.” Ripple, Circle join investment in Tazapay Speaking of funding for Singapore fintechs, Ripple (US) and Circle Ventures were among a handful of investors that participated in an investment in Singapore’s Tazapay, a cross-border payments infrastructure platform. The Series B round was led by existing investor Peak XV Partners. Norinchukin Capital (Japan), GMO VenturePartners (Japan), January Capital, and ARC180 were also involved in the funding. The amount of the investment was not disclosed. Currently licensed to operate in Singapore, Canada, and the EU, the funding will help the Tazapay expand further into areas such as Japan. The company is presently applying for licenses in the UAE, Hong Kong, Australia, and the US, and is also applying for a Digital Payment Token (DPT) license in Singapore. Securing this license would help Tazapay meet regulatory obligations ahead of incorporating digital payment tokens, including stablecoins, into its cross-border payment offering. Company CEO and Co-founder Rahul Shinghal noted this last point in his statement on the funding. “We’re entering the next chapter of our journey—one where modern payment technologies, regulatory compliance, and partnerships with global leaders will enable the future of cross-border commerce,” Shinghal said. “With this round, we are not just capitalizing the business; we are investing in our long-term vision to become the builder of a global payment collection and payout infrastructure built on modern rails. One of the key use cases this infrastructure serves is being the Fiat bridge for stablecoins in emerging markets.” Founded in 2020, Tazapay offers local collection and payout capabilities in more than 70 markets around the world. The company processes more than $10 billion in annualized payment volume and is growing at 300% year-over-year. The company’s platform provides comprehensive coverage across alternative payment methods, cards, virtual bank accounts, payouts, and stablecoins. OCBC launches billion dollar commercial paper program using the blockchain Did someone say “stablecoins”? There’s news on Singapore’s blockchain beat, as well. Singapore’s Oversea-Chinese Banking Corporation (OCBC) has initiated a new, $1 billion digital US commercial paper program using blockchain technology. The goal of the program is to provide access to almost instantaneous short-term US dollar funding capabilities by leveraging on-chain tokenized securities and funds. In addition to issuance and settlement, the program will also feature on-chain record-keeping and servicing. “Singapore’s blockchain ecosystem is advancing fast, and asset tokenization is gaining real momentum,” OCBC Head of Global Markets Kenneth Lai said. “Our focus is now firmly on commercialization. We have already tapped blockchain for intraday repo and reverse repo transactions—capabilities added last year—and are now expanding into the USCP market to strengthen liquidity and resilience.” OCBC is the longest established bank in Singapore, formed in 1932 via the merger of three banks: the Chinese Commercial Bank Ltd, the Ho Hong Bank Ltd, and the Oversea-Chinese Bank Ltd. OCBC is also the second-largest financial services group in the Southeast Asia by assets. The institution offers a range of financial services including consumer, corporate, and private banking; insurance; and asset management. OCBC reported net profits of $2.88 billion (S$3.7 billion) for the first half of this year. Here is our look at fintech innovation around the world. Central and Southern Asia Mumbai-based business microservices startup TransBank raised $25 million. Infosys and Mastercard teamed up to scale cross-border payments. The State Bank of Pakistan (SBP) opened applications for the first cohort for its new regulatory sandbox. Latin America and the Caribbean Latin American super app Rappi teamed up with international wallet platform AstroPay to launch a new wallet-on-file integration. Bitso’s B2B arm Bitso Business announced a partnership with stablecoin payments provider BVNK. The Central Bank of Barbados picked Montran Corporation to design and deploy the country’s new instant payment system. Asia-Pacific Indonesian employment and lending platform Pintarnya raised $16.7 million in Series A funding. Japan’s SBI Group inked a blockchain and digital assets partnership with Chainlink. Wise announced a full integration with Philippines’ payment systems InstaPay and PESONet. Sub-Saharan Africa Nedbank announced plans to acquire South African fintech iKhokha for $94 million. Techeconomy looked at the importance of understanding local financial habits in scaling fintech in Nigeria. South African payments processor BankservAfrica rebranded to PayInc SA. Central and Eastern Europe AInvest examined the recent PayPal-Germany payment crisis, in which more than €10 billion in transactions blocked due to a security system failure. Lithuanian regtech AMLYZE signed a partnership agreement with payment service provider Perlas Finance. PEAC Solutions acquired German fintech topi as part of its European expansion plans. Middle East and Northern Africa UAE-based fintech Holo secured $22 million in Series A funding. Algeria introduced its first fintech regulations for payment service providers, digital wallets, agents, and more. FenanPay secured a commercialization license from the National Bank of Ethiopia (NBE). Photo by Mike Enerio on Unsplash The post Finovate Global Singapore: Investments in Open Banking, Payments, and the Blockchain appeared first on Finovate.       

Identity and fraud prevention solution provider Alloy has teamed up with Mastercard to launch an enhanced customer onboarding solution for financial institutions and fintechs. The joint offering will use both identity verification technology and open finance to streamline onboarding and fight fraud. Founded in 2015, Alloy most recently demoed its technology at FinovateFall 2022. Identity and fraud prevention platform provider Alloy has inked a global partnership with Mastercard to introduce an enhanced customer onboarding solution for financial institutions and fintechs. The new offering comes as these businesses cited a 60% increase in fraud in 2024, according to Alloy’s 2025 State of Fraud Report. The report further noted that 93% of those financial organizations surveyed planned to invest in ongoing fraud prevention measures this year, with 64% planning to deploy identity risk technology, as well. “Fraud continues to be a significant challenge for financial institutions and consumers alike, underscoring the urgent need for robust fraud prevention measures,” Mastercard EVP and Global Head of Identity, Dennis Gamiello said. “This joint onboarding solution will be a game-changer in the fight to reduce fraud and deliver a seamless and secure customer experience.” The joint offering from Alloy and Mastercard will leverage both identity verification and open finance to simultaneously streamline onboarding and fight fraud. The solution provides a consistent identity risk strategy and onboarding experience across channels. Alloy will leverage Mastercard’s global digital identity verification capabilities and suite of open finance-powered account opening solutions to support financial institutions as they manage fraud, identity risk, and secure account funding throughout the customer lifecycle. At the same time, Mastercard solutions will be integrated and pre-configured in Alloy to enable seamless deployment. Customers will have access to 200+ risk and identity solutions available via Alloy that are designed to help boost customer conversion rates, reduce the amount of manual reviews, and provide comprehensive end-to-end coverage. “Successful fraud prevention starts with a holistic approach to understanding identity. Our partnership with Mastercard will allow more financial institutions and fintechs to evaluate customer identities holistically,” Alloy Chief Product Officer Parilee Wang said. “The end result for those companies will be a better digital experience and less fraud risk, allowing their businesses to grow effectively.” Founded in 2015 and headquartered in St. Paul, Minnesota, Alloy introduced itself to Finovate audiences at FinDEVr SiliconValley 2016, and returned to the Finovate stage six years later for FinovateFall 2022 in New York. More recently, Alloy was included in CNBC World’s Top Fintech Companies roster for 2025 and, in June, the company announced a partnership with IG Group to help the FTSE 250 online trading firm maintain regulatory compliance as it grows. Photo by Leo_Visions on Unsplash The post Alloy and Mastercard Team Up to Accelerate the Onboarding Process appeared first on Finovate.       

With FinovateFall right around the corner (September 8 through 10), we wanted to update you as we fill out the last spots on our speaker roster for the event. Today, as part of the Finovate blog’s Speaker Series, we’re showcasing a pair of presentations focused on advanced authentication strategies for identity verification and how AI can be effectively deployed to help enhance the lending journey. We’re also previewing a special fireside chat on the latest big developments on the open banking front. If you haven’t bought your ticket yet, you’re in luck! Our registration discount ends on Friday so visit our FinovateFall registration page today and take advantage of big savings! Frictionless by Design: How T-Secured Network Authentication Accelerates Digital Adoption Mark Clancy, Senior Vice President of Cybersecurity, T-Mobile, will discuss the value of network-based authentication in a world of forgotten passwords, clumsy verification steps, and vulnerable SMS codes. Clancy will also show how network-based authentication verifies identity directly through the mobile network , requiring no passwords, no codes, and no extra clicks. Mon, Sep 8, 10:05 am. At T-Mobile, Clancy spearheads the company’s strategy to safeguard consumer data and boost enterprise-wide security measures. Clancy has 25+ years of experience in information technology and cybersecurity, having held executive positions at Sprint, Citigroup, and the Depository Trust & Clearing Corporation. Headquartered in Bellevue, Washington, and a self-described “Un-carrier,” T-Mobile provides an advanced 4G LTE and nationwide 5G network that offers reliable connectivity for 132+ million customers. A publicly traded company on the NASDAQ exchange under the ticker TMUS, the company has a market capitalization of $282 billion. Autopilot Lending: The AI blueprint for seamless lending journeys Sandeep Hinduja, Vice President and Head of Banking (Americas), Newgen Software Inc., will discuss how to automate the end-to-end lending journey with no manual touchpoints; deliver seamless, personalized onboarding across digital, mobile, and in-branch channels; and leverage AI for smart document management to ensure both security and accuracy. Tue, Sep 9, 2:55 pm. As Head of Financial Services as Newgen Software, Hinduja oversees business strategy and operations across the United States and Canada, driving innovative solutions for lending, account opening, business process automation (BPA), enterprise content management (ECM), and customer communication management (CCM). New Delhi-based Newgen Software offers an AI-first unified digital transformation platform that provides native process automation, content services, customer engagement, and AI/ML capabilities. The company’s low-code application platform enables companies to build and deploy complex, content-driven and customer-engaging business applications from the cloud. Will JPMorgan’s data war kill fintech innovation? Lastly, I want to call your attention to a very special late addition to the FinovateFall lineup. Jim Marous—co-publisher of The Financial Brand, owner and publisher of the Digital Banking Report, and host of the Banking Transformed podcast—will speak about the state of open banking in the US today. Wed, Sep 10, 1:45 pm. From JPMorgan’s announced plans to begin charging for access to customer data to Visa’s report that it is shuttering its open banking division, the drive to bring open banking to the US feels as if it is at a major crossroads. Presented as a Fireside Chat, this discussion with banking and fintech veteran Marous will give delegates a greater understanding of the issues involved in the fight to make open banking a reality here in the States. The post FinovateFall: Advanced Authentication, AI in Lending, and the Fate of Open Banking appeared first on Finovate.       

Payroll and HR platform Gusto plans to acquire retirement plan provider Guideline, expanding its small business benefits offerings. While terms of the deal were not disclosed, Guideline was valued at $1.15 billion in 2021, and given that fintech valuations have compressed by around 26%, is estimated to be worth around $851 million today. The combined companies aim to simplify retirement plan access for tens of thousands of small businesses, especially as states increasingly mandate employer-sponsored retirement options. Payroll, benefits, and HR management solutions company Gusto unveiled plans to acquire retirement plan provider Guideline. While financial terms of the agreement were not disclosed, Guideline had a $1.15 billion valuation in 2021 and claimed an annualized revenue of $140 million as of January 2025. Generally speaking, fintech valuations have been compressed by about 26% on average since 2021, so it is roughly estimated to be valued at $851 million today. Gusto, originally known as ZenPayroll, was founded in 2011 to provide a cloud-based payroll, benefits, and HR management solution. The company’s tools help businesses track time and attendance, onboard new employees, manage existing talent, and more. In 2015, Gusto added to its small business offerings by offering health insurance and workers’ compensation, and a year later launched 401(k) retirement plans via a partnership with Guideline. Today, the San Francisco-based company serves more than 400,000 small businesses and is now valued at $9.3 billion. Founded in 2015, Guideline helps businesses offer 401(k) and IRA retirement benefits to their team in a simplified approach. The California-based company works with small-to-mid-size businesses, franchises, and self-employed individuals across multiple industries, with dentist offices being the top category. While Guideline has a direct-to-business approach, it also offers its plans via distribution partnerships with ADP, Block, Intuit, Paylocity, TriNet, and Rippling—all competitors of Gusto. Interestingly, Guideline plans to maintain integrations with those partners even after the acquisition closes. Together, the two will serve tens of thousands of small businesses, offering them an integrated approach to adding retirement benefits, no matter the size of their team. Today’s deal will help Gusto serve its customers with more of Guideline’s services without having to worry about revenue sharing. “We’re going to have the ability, in the right moment at the right time, to help [small business customers] if they want. It’s never going to be something they have to do—it’s always their choice—but help them understand that they can actually go provide retirement benefits to their team,” said Gusto CEO and Co-Founder Josh Reeves. “And so one thing I’m really, really excited about is I think we’re going to have a chance to help a lot more companies with retirement benefits by being together than if we had stayed separate.” The acquisition is especially salient for Gusto, given that some states have passed mandates that now require businesses to provide their employees with retirement plans. The move also helps Gusto differentiate itself from competitors like ADP and Paychex by owning more of the retirement infrastructure directly, rather than relying solely on partnerships. In doing so, Gusto is strengthening its full-service appeal as the go-to HR and benefits provider for small businesses. Photo by MART PRODUCTION The post Gusto To Acquire Retirement Specialist Guideline appeared first on Finovate.       

A look at the companies demoing at FinovateFall in New York on September 8 – 10. Register today using this link and save 20%. AirKey AirKey, developed by Capital One, turns bank-issued cards into hardware tokens for authentication and identity verification. Features Customers who activate their card with AirKey experience up to 20% lower transaction fraud, report higher NPS scores, and more. Who’s it for? Banks, credit unions, and any credit or debit card issuer. Anonybit Anonybit delivers privacy-preserving biometric authentication for fintech and banking, securing all touchpoints including enabling AI agents to prevent account takeover, fraud, and scams. Features Provides built-in integrations to online banking platforms Delivers seamless, privacy-preserving authentication at every touchpoint Manages blocklists, self-service account recovery, and tokens Who’s it for? Banks, credit unions, fintechs, payment providers, and enterprises. Aurem Aurem is an AI-powered operating system for retirement and wealth providers, unifying products, processes, and data to cut costs, simplify operations, adapt to regulation, and scale growth. Features Cuts costs Eliminates inefficiency Equips retirement and wealth providers with intelligence, automation, and adaptability to scale in a changing world Who’s it for? Banks, recordkeepers, and RIAs. Casap Casap’s AI-driven platform helps financial institutions and fintechs intelligently tackle the growing issue of first-party fraud and automate their disputes to improve operations. Features 80% of dispute cases automated 85% reduction in processing time 40% decrease in customer contacts 51% reduction in write-offs/losses, improving NPS scores Who’s it for? Banks, credit unions, and fintechs. Chimney Chimney uses industry leading property data and award winning technology to generate real estate loans at lower costs with fewer staff required. Features Enriches existing systems, core, and CRM data with real-time property data Automatically launches personalized, data-driven campaigns Uses propensity modeling and scoring to predict borrowers Who’s it for? Banks, credit unions, digital banking providers, and fintech partners serving homeowners. Decisionly Decisionly automates disputes for card issuers, using AI to drive scalable, compliant, and cost-effective dispute operations. Features Intelligent intake: Provides real-time validation at intake Robust evaluation: Automates custom workflows to improve accuracy Faster resolution: Improves cardholder experience and deadline compliance Who’s it for? Card issuers including banks, fintechs, and processors. Krida Krida is an AI intelligence layer for commercial banking, removing lending bottlenecks and delivering real-time insights that deepen relationships, boost revenue, and accelerate growth. Features Automates document collection, data extraction, and credit materials Uses a self-serve borrower intake with instant feedback Equips bankers with insights for faster, more confident lending decisions Who’s it for? Banks, credit unions, venture lenders, and non-bank lenders. The post FinovateFall 2025 Sneak Peek Series: Part 8 appeared first on Finovate.      Related StoriesFinovateFall 2025 Sneak Peek Series: Part 7FinovateFall 2025 Sneak Peek Series: Part 6FinovateFall 2025 Sneak Peek Series: Part 5 

After the CFPB withdrew its lawsuit over Section 1033 of the Dodd-Frank Act, the bureau stated that it would begin a new, “accelerated” rulemaking process with an Advanced Notice of Proposed Rulemaking (ANPR) within three weeks. That three-week period ended last week, on August 22nd, when the CFPB published its Personal Financial Data Rights Reconsideration, effectively kicking off the new rulemaking process. Much is riding on how this rule takes shape, not only for banks, but for fintechs and consumers alike. Visa’s recent move to abandon its US open banking initiatives underscores just how high the stakes are. In its latest release, the CFPB asked for comments and data to guide its decisions on four critical issues tied to Section 1033. Below, we’ll walk through each issue and explore the potential impact. Representatives: who deserves access to the data? The first of the four issues is defining who can serve as a representative on behalf of the consumer. The question essentially asks who can make a request to access the consumer’s data on their behalf. Today, this includes not only the consumer themselves, but also third-party aggregators and fintechs, as well. If the CFPB decides to narrow this scope, it could potentially block third-party services from accessing consumer data, limiting it to the consumer and the bank itself. The latter would favor incumbents as it allows them ultimate control. For fintechs, this would create a risky environment. The uncertainty would make it risky to invest and build APIs that could be restricted in the future. Fee structures: who pays for data access? The second of the four issues seeks to determine the optimal amount of fees that banks should be able to charge in response to a customer-driven request. As a result, data access may no longer be free for aggregators, which may require them and fintechs to reshape their business models in response. Charging for data would allow banks to recoup compliance costs for API access, but may receive negative attention from fintechs and consumers. Additionally, fintechs with already thin margins may be forced to look for an exit. Data security: weighing threats vs. benefits The third of the four issues the CFPB spotlighted is the threat and cost-benefit analysis for data security associated with complying with Section 1033. If the Bureau requires compliance with tighter security requirements, all stakeholders will feel the repercussions of tighter security expectations. With tighter compliance, small fintechs that previously had limited compliance requirements may now need to step up to higher standards. This could ultimately lead to consolidation, since large, well-resourced firms would be able to more easily meet compliance. Data privacy: the cost of protection The final of the four issues the CFPB spotlighted is the threat landscape surrounding data privacy associated with Section 1033 compliance. The Bureau may set new limits on how fintechs are allowed to monetize consumer data in an effort to maintain their privacy. With new guardrails on how they are allowed to monetize consumer data, fintechs may face limitations on using data for personalized marketing or other secondary data uses. As a result, innovation may slow down, but consumers may gain more confidence. Your turn to comment! The CFPB’s recent call for comments is more than regulatory housekeeping. It is highly consequential and will determine the future of open banking in the US. The Bureau’s questions signal real costs, risks, and opportunities. It is important to make your voice heard on these issues! In the six days that the comment period opened, only seven comments have been submitted. Send your comments to the CFPB by October 10, 2025 at 11:59 pm EST. Photo by Erik Mclean The post 4 Flashpoints of the CFPB’s Section 1033 Comment Request appeared first on Finovate.       

It’s official! The FinovateFall 2025 demo lineup has reached full capacity with 64 innovative technologies selected, bringing together an impressive array of established players and promising newcomers at the New York Marriott Marquis over September 8 through 9. This year’s complete lineup represents the full spectrum of financial technology innovation. From emerging AI agents to next-generation payment and banking technologies, the 64 selected companies will demonstrate technologies addressing the most pressing challenges in financial services today. Max Capacity = Max Innovation For those who haven’t secured their spot yet, this Friday, August 29 is the last chance to save. Book your pass today. The post FinovateFall Demo Lineup at Full Capacity appeared first on Finovate.       

Ant International, Standard Chartered, and Swift have launched a new bank-to-wallet solution linking Swift’s 11,500-institution network with Alipay+’s 1.7 billion digital wallet accounts across 36 providers. The service offers faster, regulated alternatives to stablecoins, with ISO 20022 backing to ensure interoperability, compliance, and scalability for cross-border payments. Beyond speed, the initiative aims to boost financial inclusion, giving underbanked consumers access to funds through wallets they already use while allowing banks to stay relevant in wallet-first markets. Global payments and fintech provider Ant International, international banking group Standard Chartered, and provider of secure financial messaging services Swift are banding together this week to launch a bank-to-wallet payment solution. The three are leveraging Swift’s network of over 11,500 financial institutions in more than 200 countries and territories, as well as Ant International’s global wallet gateway service Alipay+. The new payment solution will connect Swift’s network to the 1.7 billion user accounts on the 36 global digital wallets in Alipay+’s ecosystem. “We are very excited to be part of this ground-breaking multilateral collaboration with Swift, banking leaders, and Alipay+ e-wallet partners to facilitate bank-to-wallet transactions on a global scale,” said Ant International General Manager of Global Remittance Jacques Xu. “Ant International will continue to support such cross-sector collaboration with fintech innovations, to build a more connected payment and financial ecosystem for businesses and consumers with ever higher standards of transparency and security, as part of our focus on promoting global interoperability and inclusion.” The digital wallet can also create an onramp into the traditional financial system. That’s because wallets connected to banks via Swift create a bridge that allows users to build transaction histories, potentially improving access to credit, insurance, and other financial services. Additionally, it has the potential to help unbanked and underbanked consumers because the bank-to-wallet capabilities allow them to receive money directly into a wallet they already use, circumventing the barriers to opening a bank account. “In a world of fast-moving innovation with a growing number of ways to move value, consumers and businesses expect more choice and optionality in their international payments experience,” said Swift Chief Executive Kevin Wong. “Swift is at the forefront of providing a best-in-class experience with greater flexibility and choice. This collaboration with Ant International and Standard Chartered reflects that strategic commitment to faster, frictionless payments across multiple networks.” The first transactions on the new payments solution have already been successfully completed between a Standard Chartered Bank customer account and a partner e-wallet. The launch of the new bank-to-wallet solution comes as stablecoin capabilities gain traction as an alternative for cross-border payments. However, while stablecoins promise fast, low-cost settlement, regulatory uncertainty and fragmentation have limited their adoption at scale. By contrast, today’s initiative shows how banks and fintechs can deliver many of the same benefits through established, regulated rails. Backed by the ISO 20022 messaging standard, the model also ensures interoperability and compliance with global payment systems, giving it a more durable foundation than many of today’s experimental stablecoin frameworks. This partnership is a great example of how traditional banks and infrastructure services are collaborating with international tech players, moving from competition to interoperability. By linking Swift’s rails with Alipay+’s wallet ecosystem, the bank-to-wallet solution not only brings underbanked consumers into the financial system, but also strengthens cross-border payments. For Standard Chartered, it offers a chance to remain as a central player in markets where digital wallets dominate. The launch is also validating for fintechs that digital wallets have now gone mainstream. “We are pleased to be the bank of choice to conceptualize, test, and deliver this innovation,” said Standard Chartered Global Head of Transaction Banking Michael Spiegel. “It is testament to the versatility of our banking platform and our strategic relationship with both Swift and Ant International. We will continue to push the boundaries of finance to shape the future of our industry, securely and in compliance with regulatory requirements.” Photo by Sora Shimazaki The post Ant International, Standard Chartered, and Swift Build Bank-to-Wallet Payment Solution appeared first on Finovate.