Fintech

Welcome to the Credit Union 2.0 Fintech Page.

This page will be updated once a quarter with the latest Fintechs. While we have accumulated a lot of Fintechs there are always new ones being created or ones we haven’t heard.  Please submit them to amy@cu-2.com if you find a new one or have questions about the research.

Concerned about Fintech’s impact on your Credit Union

Credit Union 2.0 has studied hundreds of Fintech’s alongside real credit union data and created an Infographic to help your credit union visualize the impact.   Download our Fintech Infographic – Death by 1000 cuts and see first hand the impact on the credit union industry and how Fintech investment is likely to impact your income statement, balance sheet, interest margin, services and many other areas.

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Fintech Database

Segments:
  • Banksight
  • Chipper
  • Digital Onboarding
  • POSH
  • WalletFI
  • Banking Up
    READ MORE >>
    Founded in 2006 as Plastyc, Banking Up (its name since last year), is focused on providing basic financial services to the working poor and “underbanked.” At its core, the product is a prepaid debit card, but the other services it offers—like one free electronically generated check a month and mobile account access—means it can plug the gap for people that don’t have access to standard banking. Recently, the startup has branched out, using its platform to enable business and financial institutions to offer customers branded accounts.
    • Segment: bank
    • Demographic: low income
    • Impact on Member Growth: medium
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: low
  • AstroPay
    READ MORE >>
    Credit cards are unavailable to or underused by huge parts of the emerging middle class in Brazil, China, and many other countries. AstroPay, the largest cross-border payment services provider in Latin America and a new player in China, provides a fraud-reducing payment card solution that enables merchants to more safely accept payments from individuals in high-fraud areas. The company recently completed a successful program that could enables millions in China who hitherto lack access to credit cards the ability to purchase international goods, including from the US – potentially causing an interesting reverse flow of trade.
    • Segment: Payments
    • Demographic: low
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Avoka
    READ MORE >>

    Avoka software delivers frictionless digital sales and service transactions for financial institutions, government agencies, and many other industries where traditional “shopping cart” e-Commerce is not a good fit. For information intensive transactions such as loan applications, account openings, enrollment forms and insurance claims, Avoka creates a digital, mobile responsive experience that can be deployed in weeks, rather than the months of development required by traditional IT projects.

    • Segment: infrastructure
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: medium
    • Expense Reduction: low
  • AppZen
    READ MORE >>
    AppZen has developed the world's first artificial intelligence (AI) solution for back office automation. AppZen's AI-powered solution automates expense report creation, compliance, and audit. Their patent pending data science-based technology automatically detects accidental as well as intentional fraud, and provides real-time compliance to FCPA regulations, IRS rules, and company policies. In addition, the solution automatically audits and assigns risk scores to every expense, protecting the company
    • Segment: infrastructure
    • Demographic: low
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: medium
  • Averon
    READ MORE >>
    Averon uses cell phone carrier positioning and traffic patterns to uniquely identify your members and provide a seamless MFA and great user experiences that keeps your members safe and blocks out the bad guys.
    • Segment: member facing technology
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Atom
    READ MORE >>
    Atom Bank is a new digital banking system, authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA). They offer an app-based experience, using leading technology. The digital world is constantly changing and Atom will be changing banking too. Atom Bank is based in the UK and doesn't have any branches, instead you can do all your banking on your phone, 24/7. Their aim is to breathe new life into banking.
    • Segment: Payments
    • Demographic: low
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Bankable
    READ MORE >>
    Bankable is a global architect of innovative payment solutions that provides “Banking as a Service”. Our core platform is available in white-label or via APIs, allowing dominant financial institutions and disruptive fintech players to develop bespoke payment solutions tailored to business needs. The Bankable platform enables a range of payment solutions including e-wallets, m-wallets, remittance services, P2P money transfers, light banking, virtual accounts, cash management, and virtual and plastic prepaid card programmes.
    • Segment: Payments
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • BCL Technologies
    READ MORE >>
    BCL Technologies develops API’s for Financial Text Extraction that unlock Big Data in unstructured documents and websites, enabling FinTech Developers to easily extract structured Financial Triplets from any source.
    • Segment: data analytics
    • Demographic: low
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Epiphyte
    READ MORE >>
    award winning software programs allow financial service providers to convert the currency of one nation to bitcoin, make an international transfer, and change the bitcoin into the currency of the destination country. Epiphyte software operates well with crypto-financial networks and bridges traditional financial services with the latest in bitcoin technology.
    • Segment: payments
    • Demographic: none
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • EffectiveUI
    READ MORE >>
    Guided by the belief that technology only lives up to its promise when it is well designed, EffectiveUI creates transformational digital products, experiences and insights for fintech / Fortune 500 innovators. By making technology more useful, usable and desirable, we collaborate with clients to reinvent significant aspects of their businesses, using our approach to adapt systems and technology to human behavior (not the other way around) through user research and insight, digital strategy, UX design, and UI development and integration.
    • Segment: infrastructure
    • Demographic: none
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • BehavioSec
    READ MORE >>
    Leaders in frictionless behavioural user verification & authentication. BehavioSec examines how you interact with a website or mobile device to provide a frictionless layer in web fraud prevention.
    • Segment: data analytics
    • Demographic: low
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Bankjoy
    READ MORE >>
    • Segment: member facing technology
    • Demographic: multiple
    • Impact on Member Growth: high
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: high
    • Expense Reduction: medium
  • Entrust Datacard
    READ MORE >>
    Consumers, citizens and employees increasingly expect anytime-anywhere experiences, whether they are making purchases, crossing borders, accessing e-gov services or logging onto corporate networks. Entrust Datacard offers the trusted identity and secure transaction technologies that make those experiences reliable and secure. Solutions range from the physical world of financial cards, passports and ID cards to the digital realm of authentication, certificates and secure communications. With more than 2,000 Entrust Datacard colleagues around the world and a network of strong global partners, the company serves customers in 150 countries worldwide.
    • Segment: payments
    • Demographic: none
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • ApplePay
    READ MORE >>
    Easily pay with your debit cards and credit cards with just a touch. And because your card details are never shared by Apple when you use Apple Pay, making payments with your iPhone, Apple Watch, iPad, and Mac is the safer, more private way to pay. Unlike paying with a physical card, using Apple Pay in stores happens in seconds with your iPhone and Apple Watch. Just hold your iPhone near the reader with your finger on Touch ID or double-click the side button on your Apple Watch, then hold it near the reader. Now the convenience of using Apple Pay in stores and within apps is available on the web in Safari. Whether you’re shopping or donating on your iPhone, iPad, or Mac, use Apple Pay without having to create an account or log in. Touch ID is also available on the new MacBook Pro, so paying happens with just a touch and is quicker, easier, and more secure than ever before.
    • Segment: payments
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • BankGuard
    READ MORE >>
    Research and development about how to resolve an illegal remittance. Our product SuperMatrix Security System has been honorably featured on a great deal of mass media – acclaimed TV programs, newspapers, magazines, quite a few Fintech events. We are now running a collaboration banking system in Japan.
    • Segment: Fraud
    • Demographic: low
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Arxan Technologies
    READ MORE >>
    Arxan offers solutions for software running on mobile devices, desktops, servers, and embedded platforms – including those connected as part of the Internet of Things (IOT) – and is currently protecting applications running on more than 400M devices across a range of industries.
    • Segment: infrastructure
    • Demographic: low
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Avant
    READ MORE >>
    Avant is a fast-growing marketplace lending platform that is lowering the costs and barriers of borrowing for consumers. Through the use of big data and machine-learning algorithms, the company offers a unique and highly customized approach to streamlined credit options. At its core, Avant is a tech company that is dedicated to creating innovative and practical financial products for all consumers.
    • Segment: lending
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Avalara
    READ MORE >>
    Sales Tax is complicated, Avalara makes it easy. Since 2004, our dedicated team of revolutionaries has worked day and night to help businesses of all sizes achieve compliance by providing a fast, easy, and accurate way to manage transactional taxes. Avalara’s API dynamically delivers instantaneous sales tax decisions based on precise geo-location in more than 12,000 taxing jurisdictions in the U.S. Avalara’s API offers the ability to automatically assign hundreds of thousands of taxability rules and the latest jurisdiction boundaries within your desired accounting, shopping cart or point-of-sales system to deliver the right rate and tax calculation.
    • Segment: Payments
    • Demographic: low
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Authy (part of Twilio)
    READ MORE >>
    For security-aware companies, Authy Two-Factor Authentication (2FA) provides a proven fast-to-implement, highly scalable, and reliable alternative to passwords. Offering an intuitive user experience and a powerful API for developers, Authy 2FA is used by more than 10,000 websites and apps serving millions of new economy and fintech consumers the way they like their apps – single touch with self service. Our cloud access solutions are beloved by our users and promise to bring 2FA to all apps and users.
    • Segment: infrastructure
    • Demographic: low
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Craft Silicon
    READ MORE >>
    Craft Silicon is currently a leading force within the exclusive club of end-to-end technology solution providers in financial services. With the experience of managing some of Africa’s most volume-intensive and complex financial applications, the company is uniquely situated to take its expertise globally. In terms of technology initiatives, Craft Silicon is recognized as among the first companies to successfully bring innovative banking solutions with futuristic thoughts in Africa and other emerging markets globally. Craft Silicon has been the technology partner for many leading banks in all their transformational initiatives.
    • Segment: infrastructure
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • CrowdCurity
    READ MORE >>
    CrowdCurity is a web security marketplace. We connect businesses with security testers. We do bug bounty programs as-a-service. Bitcoin First.
    • Segment: Fraud
    • Demographic: none
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Crysp
    READ MORE >>
    Crysp helps leverage sensors built into mobile devices to invisibly authenticate users. Crysp provides APIs that enable real-time verification of users’ context and how they enter their credentials, such as their touch pressure and size, typing rhythm, swipe velocity, etc. Developers of mobile applications can use Crysp APIs to strengthen or replace passwords in their authentication flow, as well as to streamline the process for account recovery.
    • Segment: Fraud
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • CULedger
    READ MORE >>
    • Segment: Blockchain
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: medium
    • CUSO Capable: Yes
  • CUBUS
    READ MORE >>
    • Segment: member facing technology
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: medium
  • CUDirect
    READ MORE >>
    • Segment: lending
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Currency Cloud
    READ MORE >>
    Develop and automate your product with the Currency Cloud Payment Engine to benefit from real time wholesale rates and a fast, secure payment network. Tailor to your business using our next generation API.
    • Segment: Payments
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: medium
  • CurrencyCloud
    READ MORE >>
    Currency Cloud is another start-up in the payments space. The British firm provides cross-border money transfers for businesses. It sets itself up as a rival to banks that usually carry out this transaction, but says it is cheaper and faster than traditional players. Founded in 2012, Currency Cloud now processes $15 billion a year and has over 125 customers. The start-up raised $18 million last year from Sapphire Ventures and Japanese e-commerce giant Rakuten.
    • Segment: Payments
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: medium
  • DataFox
    READ MORE >>
    gives businesses access to data concerning tech companies. This information can then be used to generate leads to proposed business ventures.
    • Segment: other
    • Demographic: low
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Deluxe Corporation
    READ MORE >>
    Deluxe Corporation is a changing, evolving, growing company. Strategic acquisitions have created a unique suite of services helping businesses and financial institutions attract and retain customers, including marketing services and payment solutions. Creativity, innovation and entrepreneurial spirit combined with the resources and strength of a well-established company creates a culture expected at a start-up rather than a Fortune 1000 company. Our customer base includes nearly 4.6 million businesses, approximately 5,600 financial institutions, and 6 million individual customers. The eCheck is cutting-edge technology combining the best of check writing with the convenience of email, giving businesses a fast, easy payment solution.
    • Segment: payments
    • Demographic: none
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • DigiByte Holdings
    READ MORE >>
    DigiByte Holdings Limited is dedicated to leveraging the advantages of the DigiByte network to create a complete blockchain, distributed ledger ecosystem under one company. DGB Holdings has developed advertising, security, remittance and trading solutions on top of the DigiByte blockchain. DGB Holdings is focused on developing the blockchain attention advertising economy through millennial customer acquisition with an innovative gaming platform. DigiByte Holdings is also focused on securing trade finance documents in real world use cases on the DigiByte blockchain and social remittance payments.
    • Segment: blockchain
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: medium
  • Digital Asset
    READ MORE >>
    Digital Asset builds distributed, encrypted straight through processing tools. Its technology improves efficiency, security, compliance and settlement speed.
    • Segment: fraud
    • Demographic: none
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Due.com
    READ MORE >>
    recently redesigned the website of its invoicing service to allow greater ease of use. Clients can now design their own invoices, upload company logos, and access an increased amount of data and reports from the dashboard in a snap. Due.com is also a free invoicing service with hundreds of templates for business owners to use.
    • Segment: payments
    • Demographic: SMB
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Ebankkit
    READ MORE >>
    An omnichannel banking product company, which provides the latest financial technology innovation. We create products focused on delivering your core banking to customers in a way they will enjoy and engage with, such as mobile banking apps, contact center solutions, banking kiosks, Facebook banking, commercial GPS, banking solutions for wearable technology and ultimately, solutions for augmented reality.
    • Segment: infrastructure
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Ebury
    READ MORE >>
    Ebury, the global finance specialist, is empowering businesses to trade smarter with the world, giving them the negotiating muscle to maximise profits and perform like major corporates. Ebury works with over 5,000 businesses and organisations across Europe, providing them with greater and faster access to finance, while helping them to manage currency risk and strategically plan their approach to overseas payments.
    • Segment: infrastructure
    • Demographic: SMB
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • EdgeVerve Systems
    READ MORE >>
    EdgeVerve Systems, a wholly owned subsidiary of Infosys, develops innovative software products and offers them on premise or as cloud-hosted business platforms. Our products help businesses develop deeper connections with stakeholders, power continuous innovation, and accelerate growth in the digital world. We power our clients’ growth in rapidly evolving areas like banking, distributive trade, credit servicing, customer service, and enterprise buying. Today, global corporations across financial services, insurance, retail and CPG, life sciences, manufacturing, and telecommunications use EdgeVerve products.
    • Segment: infrastructure
    • Demographic: none
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Elliptic
    READ MORE >>
    Elliptic exists to make your bitcoin assets safer, more secure and easier to manage. Elliptic is a blockchain security and compliance company that was established in 2013 to capitalise on the potential of the blockchain technology and to help transfer the rigorous security and compliance standards of traditional finance to the world of digital currencies.
    • Segment: blockchain
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: medium
  • Enterprise Engineering
    READ MORE >>
    Since 1995, Enterprise Engineering (EEI) has provided strategic technology services such as enterprise data management, data architecture and governance, big data, business intelligence and systems integration. Our software products are proven and trusted by the world’s largest wealth managers (front ending assets under management well in excess of seven trillion dollars). Therefore, EEI can provide deep expertise and insight delivered through services and software solutions. EEI focuses on the total picture to ensure that all aspects – people, process and technology are addressed in a holistic manner.
    • Segment: data analytics
    • Demographic: none
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Entersekt
    READ MORE >>
    An innovator in transaction authentication and mobile app security. Our one-of-a-kind approach harnesses the power of electronic certificate technology with the convenience of mobile phones providing financial institutions and their customers with full protection from online and mobile banking fraud.
    • Segment: fraud
    • Demographic: none
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Equidate
    READ MORE >>
    benefits both investors and shareholders by allowing access to promising startups in the pre-IPO stage. Employees of such companies can sell their shares before the company becomes highly successful.
    • Segment: investing
    • Demographic: none
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Checkbook
    READ MORE >>
    Businesses and individuals are still writing paper checks. Checkbook is solving the problem of Paper Checks by introducing Digital Checks. We have built a way for individuals/businesses to send and receive Digital Checks without the need for signing up. Our API provides Merchants with a way to accept Digital Checks on their websites with couple of lines of code. Digital Checks can do real-time balance verification thus minimizing NSF risk present in ACH. We charge a flat fee of $1/Check or less for businesses and it’s free for individuals.
    • Segment: Payments
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Cinnober
    READ MORE >>
    Cinnober Financial Technology is a world-leading and independent supplier of trading and clearing technology. They serve market operators, clearinghouses, banks and brokers. Cinnober’s solutions are all based on the TRADExpress Platform. The portfolio of offerings includes price discovery and matching, real-time risk management, clearing and settlement, index calculation, data distribution and surveillance. Except for being adopted by leading market players, the system has also been chosen by the European Commission to develop a real-time risk margining and multi-asset client clearing system for banks.
    • Segment: infrastructure
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Circleup
    READ MORE >>
    CircleUp is an online private company investment platform. They provide accredited investors free access to direct investments in high-growth consumer product and retail private companies that were previously difficult to identify and access. For retail and consumer product entrepreneurs, CircleUp offers an efficient way to access a network of sophisticated investors as well as value added partners. Typical investments on CircleUp are food, personal care, pet product, apparel or retail/restaurant companies with $1-$10 million in revenue who are looking to raise up $2 million in growth equity. CircleUp offers an efficient way to access a network of sophisticated investors as well as value added partners.
    • Segment: investing
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Clarify
    READ MORE >>
    The Clarify.io API gives you the ability to search and understand your audio and video to make them actionable
    • Segment: data analytics
    • Demographic: low
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Clinkle
    READ MORE >>
    is a mobile app that allows users to earn virtual treats by linking the app with their credit or debit card. When the card is used seven times, they earn a virtual treat that they can send to a friend. The recipient can apply the treat as a credit to their account and possibly win a refund of their most recent purchase.
    • Segment: Payments
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Cloud Lending
    READ MORE >>
    Cloud Lending is an enterprise cloud lending solution provider. Our agile solutions are designed to empower lending businesses to simplify business processes, stay compliant and be future ready.
    • Segment: lending
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Cognitect
    READ MORE >>
    We are organized around the central idea that the best people, and the best solutions for your problems, can't always be found next door. Our team is mostly distributed. As a result, we've worked diligently to improve the ways we work together, and with our clients. So we can work with organizations anywhere in the world, and do so every day. Over 14 years, we've seen all of the sea changes in technology. We take advantage of the best technologies when we can find them, and invent them when we can't. We can help you adopt and deploy the best solutions for your challenges. Datomic is a new kind of database. With it, you can build flexible, distributed systems that can leverage the entire history of your critical data, not just the most current state. Build them on your existing infrastructure or jump straight to the cloud.
    • Segment: data analytics
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Coinalytics
    READ MORE >>
    Driven by the vision of decoding the world’s most powerful dataset, Coinalytics has developed an end-to-end intelligence platform, combining a variety of datasets and analytics to provide actionable insights and operational intelligence to the Bitcoin industry. The path-breaking platform brings real-time machine learning and graph analytics capabilities to the blockchain. Coinalytics provides pragmatic and data-driven solutions to the worlds of payments, financial services and the Internet of Things. The company was founded in April 2014 and is headquartered in Palo Alto, CA.
    • Segment: data analytics
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: medium
  • Coinbase
    READ MORE >>
    Coinbase is a bitcoin wallet and platform where merchants and consumers can transact with the new digital currency. They are making it easy for the average person and business to start buying and selling Bitcoin instantly by connecting their bank account. In addition, Coinbase provides a series of merchant tools that support some of the most highly trafficked sites on the internet. Coinbase processes the first $1,000,000 of merchant orders for free, with a simple 1% fee after that. Combined with no chargebacks by nature in Bitcoin, this provides significant savings to merchants who are paying 3% plus to credit card fees.
    • Segment: Blockchain
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: medium
  • Coinfy
    READ MORE >>
    Coinify drives mainstream adoption of digital currencies, such as Bitcoin, for merchants and consumers. Merchants benefit from Coinify’s payment service, enabling free, instant settlements in a fraud-free and chargeback-free blockchain payment environment, giving consumers access to secure, one-click payments that reveal no sensitive information.
    • Segment: Blockchain
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: medium
  • Colu
    READ MORE >>
    Colu is a blockchain technology platform for developers and enterprises providing a powerful toolbox for building customized blockchain based applications. From a mobile app that enables to store, send and receive digital assets just like texting to your contacts, to the Dashboard which is a control panel for managing digital assets, to the Engine that handles all things blockchain in the backend using our API and SDK.
    • Segment: Blockchain
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: medium
  • Commonbond
    READ MORE >>
    CommonBond is another notable upstart hoping to fix the $1.3 trillion student debt crisis in the U.S. The company more than doubled its headcount in 2015, raised $35 million in a September funding round, and expanded to serve graduates of more than 2,000 schools. CommonBond has refinanced more than $100 million worth of student loans, and projects doing more than $1 billion by the end of 2016. It evaluates potential clients using factors beyond the FICO score: employment history and savings accounts, for example. (The average FICO score for a CommonBond client is 770.)
    • Segment: lending
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
    • CUSO Capable: CU Student Choice
  • Concur
    READ MORE >>
    Concur is a leading provider of integrated travel and expense management solutions trusted by over 25,000 clients around the globe, with over 25 million users. The Concur Platform allows developers to develop and market innovative solutions to the lucrative $1.12 trillion business travel market.
    • Segment: Payments
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • CopSonic
    READ MORE >>
    CopSonic is a French company founded in 2013 specialized in the development and marketing of its sonic and ultrasonic authentication technology. The company is composed out of a strong team of researchers and engineers specialized in security, payment, sonic and ultrasonic authentication protocols. Recently, CopSonic joined the Microsoft Partner Network and became a member of the FIDO Alliance organization.
    • Segment: Fraud
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Corezoid/Middleware
    READ MORE >>
    Corezoid is a company founded in 2014 and registered in the USA, with a developer’s office in Dnipropetrovsk (Ukraine). Its biggest private investor is PrivatBank (Ukraine) – the largest bank in Ukraine.
    • Segment: bank
    • Demographic: unknown
    • Impact on Member Growth: unknown
    • Impact on Interest Margin: unknown
    • Impact on Non-Interest Income: unknown
    • Impact on CU Branch: unknown
    • Expense Reduction: unknown
  • CoverFox
    READ MORE >>
    Coverfox is an online insurance policy which creates a smarter way for people to buy and manage their Insurance. It offers products online for Indian customers across categories like Health, Car, Life, Travel and Home Insurance. Many insurance brands in India offer their products via Coverfox. Coverfox aspires to have impeccable research and a simple intuitive way to buy insurance, backed by technology, with their attitude of no spam, no cold calls and no nonsense
    • Segment: insurance
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Credit Karma
    READ MORE >>
    Credit Karma offers a new way to track your credit score and a unique way to benefit from it. For the first time you can get truly free credit scores and credit reports to consumers direct from the credit bureau, retrieved securely with no hidden fees or obligations. Based on your score, you gain access to attractive offers from companies that value your creditworthiness. The company started by providing free credit scores to members, and has grown into an essential platform to help Americans reach their financial goals.
    • Segment: Fraud
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
    • CUSO Capable: possible
  • CreditHood
    READ MORE >>
    Credithood solves the biggest SMB problem - raising funds for growth. Through our platform, SMB raise funds from its repeat customer base in return for a discount on goods/services purchased during the term of the loan. Amount lent and not used for goods or services during the term of the loan, is repaid in cash at the end of the term. There is no paper work, no credit score, no external creditworthiness evaluation of the SMB. The whole transaction is based on the reputation of the SMB as perceived by its customer. They leverage the vote of confidence SMB received from its customers by collaborating with financial institutions like banks to top-up the amount raised from the customers by data-mining all the information gathered on SMB to create a new factor for its credit evaluation - "the Reputation Score" where the process is very easy and intuitive.
    • Segment: lending
    • Demographic: SMB
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Credorax
    READ MORE >>
    An acquirer specifically focused on the e-commerce and m-commerce arenas, Credorax introduces an entirely new breed of acquiring - Smart Acquiring, to partners and online merchants. Credorax's acquiring solutions are based on its core technology, ePower™, a next-generation payment processing platform. With services designed to be flexible, scalable and fully customized to individual needs, Credorax combines pioneering technology with a uniquely service-oriented approach for exceptional business results.
    • Segment: infrastructure
    • Demographic: none
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Eshta
    READ MORE >>
    Eshta develops and operates Eshtapay as a financial platform that can act as an online payment system, e-wallet, escrow system, and self-service payment terminal back-end. Eshtapay (due to its very flexible architecture) is a Swiss-Army knife for the online banked and unbanked alike.
    • Segment: payments
    • Demographic: none
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Gem
    READ MORE >>
    Gem makes Bitcoin easy by allowing developers to build feature-rich blockchain applications in minutes using less than ten lines of code. By leveraging industry leading security features such as multi-signature wallets, multifactor authentication, and Hardware Security Modules, the Gem API provides an easy to use, comprehensive security solution for Bitcoin apps, without ever taking possession of funds. Gem’s mission is to empower individuals to have control over their own assets, starting with Bitcoin. Gem, launched at TechCrunch Disrupt’s Startup Battlefield, was founded in 2014 and is located in Venice, CA.
    • Segment: blockchain
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: medium
  • Giftly
    READ MORE >>
    offers the most versatile way to give gift cards. Senders may opt to send a card by email, text, or U.S. mail; recipients can print the card or transfer the funds to a credit card or PayPal. They can also correspond with the sender to offer thanks or to share what they purchased with the card.
    • Segment: Payments
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • GoCardless
    READ MORE >>
    GoCardless provides a simple and cost-effective way to accept recurring payments. GoCardless has automated and abstracted away the complexities of Direct Debit to expose an interface so simple anyone can use it, yet powerful enough to serve the UK’s largest institutions. They count multi-national businesses on our client list alongside individual personal trainers, and allow both to save time and focus on their business. Their technology also allows for them to keep fees low compared to other payment methods, just 1% per transaction, capped at £2. Their vision is to create a global Direct Debit network, making it easy for anyone to collect Direct Debit payments from anywhere in the world. This will allow businesses to collect money quickly and efficiently in countries around the world.
    • Segment: Payments
    • Demographic: SMB
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • GoHenry
    READ MORE >>
    goHenry provides a Pre-paid Card and App with unique parental controls for young people aged 8 to 18. Each child gets their own goHenry debit card, and parents are able to set the rules and spending limits giving children the opportunity to gain independence in managing their money. Parents can easily set up automatic pocket money payments, set tasks to help their children earn extra money or make one-off money transfers straight to their child's account, all in realtime. It’s the smart solution for the younger generations to gain confidence with money.
    • Segment: Payments
    • Demographic: Parents
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • GoodData
    READ MORE >>
    GoodData’s scalable, manageable and secure platform is designed exclusively to deliver embedded analytics and data products that drive powerful insights across your entire B2B network. We help enterprises and software companies design, develop and deliver flexible analytic solutions that elevate business processes and drive revenue without increasing IT and development spend or compromising the functionality and performance of your existing systems and applications.
    • Segment: data analytics
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Google
    READ MORE >>
    Google Cloud Platform enables developers to build, test and deploy applications on Google’s highly-scalable and reliable infrastructure. Choose from computing, storage and application services for your web, mobile and backend solutions. Visit https://cloud.google.com and get started today.
    • Segment: Payments
    • Demographic: low
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: medium
  • Green Key Technologies
    READ MORE >>
    Green Key, winner of the 2015 most promising startup award, is changing the way the world communicates. We built a voice software & VoIP network solution specifically for the financial markets. Telephones are dinosaurs. Dial tone is dead. Green Key is next generation telephony, a secure, compliant voice workspace designed for high throughput collaboration. One click push-to-talk over a secure encrypted platform to dozens of counterparties or colleagues. Conversations are recorded and converted to text data to be leveraged by compliance and analytical 3rd party partners.
    • Segment: infrastructure
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • GreenAddressIT
    READ MORE >>
    GreenAddress is a leader in securing bitcoins and providing instant clearing confirmations. It supports desktop, mobile and web apps and offers a very featureful and secure wallet as well as APIs to enable third party developers.
    • Segment: Payments
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Honkio
    READ MORE >>
    Honkio® (www.honkio.com) is a mobile commerce SDK developed by RiskPointer Ltd. The Honkio SDK allows fast and easy mobile commerce development for companies around the world. Developers can create rich mobile commerce functionalities including identification & authentication, order & payment processing, ticketing, subscription services and all the functionalities for mobile commerce. The company is headquartered in Helsinki, Finland.
    • Segment: member facing technology
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Hyperwallet
    READ MORE >>
    Enhance your outbound payments experience and improve worker loyalty with Hyperwallet’s flexible payments platform. From online payment portals to unified APIs, Hyperwallet’s global payout network provides collaborative economy companies and their workers with a range of payments capabilities, integrated financial tools, tax reporting solutions, and business support services. Our range of flexible worker payment options includes local bank deposits, international wire transfers, branded prepaid & virtual cards, checks, cash pick-up services, and pay to existing card capabilities. With offices in San Francisco and Vancouver, you can learn more about Hyperwallet at hyperwallet.com.
    • Segment: Payments
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Hypori
    READ MORE >>
    Hypori’s virtual mobile infrastructure platform (VMI) shields enterprises from the risks of BYOD while providing a rich, responsive end user experience, and a more secure, cost-effective compliant solution for any organization. The highly scalable and flexible infrastructure helps commercial and public sector organizations bridge the gap between mobile productivity and mobile security.
    • Segment: infrastructure
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • iEX
    READ MORE >>
    IEX is a fair, simple and transparent market centre dedicated to investor protection, providing a more balanced marketplace via simplified market structure design and cutting-edge technology. IEX’s core innovation is its network architecture, which mandates that all orders travel a combined 43 miles of fiber optic cable before reaching IEX’s system. This distance neutralizes unfair advantages employed by some predatory trading strategies. IEX’s technology stands in contrast to conventional business practice, whereby incumbent exchanges sell or lease the space closest to their core matching technology to satiate the high-speed trading community’s need for speed. IEX also emphasizes simplicity to better serve traditional investors, by only supporting a focused set of 5 order types which serve investors’ core trading needs.
    • Segment: investing
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • i-exceed technology solutions
    READ MORE >>
    i-exceed technology solutions is a niche Fintech company that lets banks and financial institutions innovate and launch apps at the speed of startups. Appzillon, our flagship product, is powering the digital initiatives of over 25 financial institutions worldwide, including some of the largest banks in the world, and is recognized as a key player in the MADP and adjacent markets by Gartner. The product consists of the Appzillon Development Platform and the Appzillon Digital Banking Suite. The development platform enables rapid delivery of cross-channel applications. The digital banking suite consists of pre-built digital banking apps.
    • Segment: infrastructure
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • InComm/Cashtie
    READ MORE >>
    InComm is the leading provider of prepaid and transaction technologies with 400,000 points of distribution, nearly $30 billion annual transaction volume and reaching over 1 billion customers weekly.
    • Segment: payments
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Interxion
    READ MORE >>
    Interxion (NYSE: INXN) is a leading provider of cloud and carrier neutral colocation data centre services in Europe, serving a wide range of customers through 37 data centres in 11 European countries. Interxion’s uniformly designed, energy-efficient data centres offer customers extensive security and uptime for their mission-critical applications. With more than 500 Connectivity providers and 20 European Internet exchanges across its footprint, Interxion has created cloud, content, finance and connectivity hubs that foster growing customer communities of interest.
    • Segment: infrastructure
    • Demographic: none
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Intuit Developer Group
    READ MORE >>
    Intuit Developer offers you a vast, ready-to-tap opportunity to generate app revenues and grow your business. Our goal is to help you get your app built, published, and adopted as quickly as possible using best-in-class tools, high-quality APIs, industry leading security practices and dedicated support.
    • Segment: member facing technology
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Intuit Partner Platform
    READ MORE >>
    The Intuit Partner Platform (IPP) is an open platform that enables developers to integrate with rich financial and transactional data through REST-based APIs and offers unparalleled reach to millions of small businesses through Intuit Apps.com.
    • Segment: infrastructure
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • iZettle
    READ MORE >>
    iZettle is a payments processing company that provides companies with a free card reader which plugs into tablets or phones, allowing businesses to run from mobile devices. It's similar to U.S. firm Square which was founded by current Twitter chief executive Jack Dorsey. However, iZettle chief executive recently said that the company is different to Square as it operates in separate regions. "We're very European-focused we are in totally different markets compared to Square...we are quite a different company," CEO Jacob de Geer told CNBC in a TV interview last year. Last August the Swedish start-up raised 60 million euros and is backed by companies such as MasterCard and Santander. To broaden its revenue streams, iZettle has launched a small business loan platform iZettle Advance.
    • Segment: payments
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • JemStep
    READ MORE >>
    A Silicon Valley-based firm founded in 2008 and acquired in 2016 by Invesco Ltd., Jemstep is a wholly-owned, indirect subsidiary committed to maintaining an open investment platform for financial advisors, RIAs, IBDs, banks and insurers. Our mission is to assist advisors in serving their clients through an integrated digital platform that enhances advisors engagement with clients and prospects.
    • Segment: member facing technology
    • Demographic: multiple
    • Impact on Member Growth: high
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: high
    • Expense Reduction: medium
    • CUSO Capable: Yes
  • Jimubox
    READ MORE >>
    Jimubox is a Beijing-based marketplace lending platform that provides small and medium enterprise loans and individual consumption loans to under banked Chinese borrowers. Jimubox delivers safe and attractive investment opportunities to RMB investors through an innovative online marketplace which leverages transparency and technology to ensure investor safety.
    • Segment: lending
    • Demographic: SMB
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • eToro
    READ MORE >>
    There's been a whole host of new investment platforms popping up to challenge traditional brokers and eToro is one of those – but with a twist. The start-up bills itself as a "social trading network", allowing users to copy trading strategies of other traders which they deem successful. Investors can trade currencies, commodities, indices and contract for difference (CFD) stocks online.
    • Segment: investing
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • EVO Snap*
    READ MORE >>
    EVO Snap* is a one-stop shop for application integration, merchant underwriting and international payment processing. Our developer platform provides single-integration access to omni-channel payment processing and value-added services through one API – making it easy for developers to support merchants.
    • Segment: infrastructure
    • Demographic: none
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • FairCom
    READ MORE >>
    FairCom’s database technology provides a unique high-throughput ACID-compliant operational DBMS. In addition, our unique multi-model approach facilitates high-performance NoSQL and industry-standard SQL access within the same application, over the same data. High-performance and solid stability with mission critical applications makes c-treeACE the preferred database technology for thousands of ISVs and enterprise organizations. FairCom technology is being used in solutions serving industries including financial, healthcare, telecommunications, manufacturing automation, accounting, legal, dental, education and many more. Learn more at www.FairCom.com.
    • Segment: infrastructure
    • Demographic: none
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • FangDD
    READ MORE >>
    FangDD offers an online platform through which home buyers and home sellers can directly connect to each other, working on a "pay-for-performance" business model. The goal is to provide accurate information about properties, services and transactions to create an open, cooperative, coexistent and mutually beneficial industrial pattern. In the first 6 months of 2015, more than US$8b worth of real estate transactions took place using this platform. The company’s O2O internet real estate marketing platform is based on big data technology. It integrates online and offline property businesses and buyers on a single platform, allowing user friendly property transaction services. FangDD follows a business model of pay–for–performance, catering to customers across 50 cities in China, including Beijing, Shanghai and Shenzhen.
    • Segment: data analytics
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: low
    • CUSO Capable: possible
  • Fastacash
    READ MORE >>
    Fastacash provides a global social payments platform which allows users to transfer value (money, airtime, other tokens of value, etc.) along with digital content (photos, videos, audio, messages, etc.) through social networks and messaging platforms. The company has developed a patent pending link generation technology that enables the value transfer with a secure link. As a technology enabler, Fastacash partners with companies and brands in the payments, remittance, consumer products, social and gaming industries to bring its technology to end users.
    • Segment: payments
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: medium
  • FICO
    READ MORE >>
    Founded in 1956 and based in Silicon Valley, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 165 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, telecommunications, healthcare, retail and many other industries. Using FICO solutions, businesses in more than 100 countries do everything from protecting 2.6 billion payment cards from fraud, to helping people get credit, to ensuring that millions of airplanes and rental cars are in the right place at the right time.
    • Segment: fraud
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Fidor
    READ MORE >>
    In this connected world, Fidor is a leading innovator for digital financial services. In actively driving innovation as a co-entrepreneur, Fidor creates helpful value added services, products and solutions that are globally adopted.
    • Segment: infrastructure
    • Demographic: none
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Fidor Bank
    READ MORE >>
    “Fidor Bank is one of the few neobanks with a banking license, allowing it to redefine traditional banking from the ground up.” – Celent, March 2015 Fidor Bank introduced community banking more than five years ago and were early enablers of Bitcoin and Ripple. Now we are the first bank to offer open RESTful APIs secured with OAuth2.0, giving customers and partners direct access to our services and customer base. Fidor Bank is a fully licensed online Bank with both a user oriented and tech driven mindset. We strongly believe in partnerships. Most FinTechs need banks because of regulation and processing. Fidor Bank provides both regulative support and technology. Fidor Bank is privately owned. We are located in Germany, UK , Russia and are currently preparing market entry in the US.
    • Segment: bank
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Final
    READ MORE >>
    is a mobile app that allows credit card holders to set time and spending limits with merchants. Final can help protect consumers in the event of security breaches.
    • Segment: Fraud
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • FinanceFox
    READ MORE >>
    FinanceFox is an early stage start-up based in Berlin-Kreuzberg, Zurich and Barcelona. We want to erase the pain that goes along with having insurances. FinanceFox supports people to stay on top of their terms and conditions, their rates and ultimately enables them to turn interactions with their insurances into a paperless, carefree experience and much more.
    • Segment: insurance
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • FinanceIT
    READ MORE >>
    Financeit is a free, cloud-based, point-of-sale financing platform. The company makes it easy for businesses to offer their customers affordable payment options from anywhere at anytime, and empower them to buy more of what they really want. Financeit is designed with both small to medium sized businesses and their customers in mind. Choosing Financeit means choosing a fair and transparent experience, from application to the close of every loan.
    • Segment: Payments
    • Demographic: SMB
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Financial Apps
    READ MORE >>
    Financial Apps provides a suite of developer tools and API access for financial account and transactional data. Our solutions help to quickly build the next generation FinApp. The Financial Apps Relevancy Engine helps make data actionable, providing a comprehensive solution for Fintech development.
    • Segment: member facing technology
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Finicity
    READ MORE >>
    Founded in 1999, Finicity is a privately held fintech industry pioneer. Leading the charge to the Evented Financial Web, Finicity enables fintech developers to build real-time apps through its RESTful Aggregation API and the Finicity API Platform.
    • Segment: member facing technology
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • FixNix
    READ MORE >>
    We provides tool and solution for Governance,Risk and Compliance to business,this will help business to enhance and protect from risk such as regulation risk. Our Analytics products spans across five major Risk Assessment components across different domains: Criticality Analytics, Threat Analytics, Vulnerability Analytics, Likelihood and Impact. The FixNix Virtual CISO service is designed to allow organizations to be managed by a Seasoned industry recognized CISO even when they don't desire to hire full time security staff.
    • Segment: data analytics
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Flint
    READ MORE >>
    provides mobile businesses a way to accept credit card payments without the use of a reader. Flint offers immediate activation and a low transaction fee. No merchant account is required to use Flint.
    • Segment: Payments
    • Demographic: SMB
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Flybits
    READ MORE >>
    Flybits offers a unique app personalization and experience management solution in the cloud. Flybits is the easiest way for app developers and mobile marketers to enhance iOS and Android apps to deliver rich, personalized experiences that delight customers. Using Flybits slashes the coding needed to integrate all sources of contextual information – location, social profiles, user behavior and preferences, environmental data, and more. Digital marketers use our Experience Studio interface to change an app’s content and behavior on the fly, as they refine their mobile Internet strategies, without coding. Flybits brings true agility to mobile marketing.
    • Segment: data analytics
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Forte Payment Systems
    READ MORE >>
    Forte Payment Systems empowers developers to build secure and innovative electronic payment solutions for all platforms whether online, at a physical POS or on the road. Able to provide the modern, robust and powerful options that large companies demand, along with the ease of use, simplicity and affordability for the smallest of operations, Forte redefines the notion of flexibility and scalability.
    • Segment: Payments
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: medium
  • FundingCircle
    READ MORE >>
    Funding Circle is one of many peer-to-peer lenders that have popped up in recent years. The company matches investors to small and medium-sized businesses and, as oFor too long, they were reliant on a single line of credit from traditional providers. We're building the infrastructure where any investor, big or small, can lend.f December, had lent £1 billion ($1.4 billion) to firms in the U.K. We're committed to creating opportunities for small businesses that didn't exist before, James Meekings, U.K. Managing Director and co-founder, commented: Funding Circle has over 48,000 investors on board including the Government-backed British Business Bank.
    • Segment: lending
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • FutureAdvisor
    READ MORE >>
    brings years of financial planning experience to today’s investors. The company serves clients throughout the nation in areas of retirement and educational planning.
    • Segment: investing
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Juntos
    READ MORE >>
    is a mobile application that encourages individuals to fully utilize their online financial accounts. The program is designed to change user behavior and help people take a greater interest in their financial future.
    • Segment: infrastructure
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • FriendInsurance
    READ MORE >>
    Friendsurance brings peer-to-peer finances to the insurance sector. It allows small groups of people to anonymously combine their premiums and if no claims are made, up to 40% of premiums will be returned to the clients. Insurance not only becomes cheaper for the consumer, but also provides a financial benefit for careful and fair behavior, which in turn reduces fraud and reduces the cost of claims for insurance companies.
    • Segment: insurance
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Magnet
    READ MORE >>
    Magnet Message is a secure mobile messaging framework that enables enterprise app developers to build real-time messaging, in-app chat, surveys, feedback, announcements, channels, alerts and notifications – right into their mobile apps using simple APIs to improve user engagement. With Magnet, enterprise apps become relevant and engaging – with all the reliability, security and archiving features built-in. Delivered as a ready-to-run server with native mobile SDKs (iOS and Android) and a Javascript SDK, the solution is deployable in the cloud or on-premise and easily integrates with any app, existing system, or environment.
    • Segment: member facing technology
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: medium
  • Metamok
    READ MORE >>
    Metamako is a cutting edge device company that specialises in solutions for latency sensitive businesses. They design and manufacture enterprise grade network devices with the goal of simplifying networks, reducing latency and increasing flexibility. Metamako’s industry leading products range from MetaConnect, a layer 1+ switch which can replicate data streams in 4 nanoseconds with undetectable jitter, to MetaApp, a hybrid switch with FPGA and x86 server technology allowing clients to bring their own business intelligence directly to the edge of the network without compromising performance.
    • Segment: infrastructure
    • Demographic: none
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Mifos
    READ MORE >>
    The Mifos Initiative is the open source developer community that builds and guides the world’s first open source financial services platform, reaching more than 3.5 million account holders worldwide. We are a flourishing ecosystem of fifty development partners, global volunteers, and Silicon Valley corporate sponsors that builds and supports fin-tech solutions for more than 120 financial institutions in forty different countries. Each year, 80M transactions and $791M dollars flows through our platform. Our next generation is LibreFinance, an open source application framework for digital financial services, that will catalyze a new era of digital, interoperable, financial services.
    • Segment: infrastructure
    • Demographic: multiple
    • Impact on Member Growth: watch
    • Impact on Interest Margin: watch
    • Impact on Non-Interest Income: watch
    • Impact on CU Branch: watch
    • Expense Reduction: medium
    • CUSO Capable: yes
  • Mifos Initiative
    READ MORE >>
    The Mifos Initiative is a 501(c)3 non-profit that guides the development of the Mifos X solution for financial inclusion, an API-driven open source platform with a suite of configurable cloud apps. Our community speeds the elimination of poverty by scaling financial services to the 2.5 Billion unbanked. Our platform is game-changing because we are mobilizing a global community, which is the only way to confront the massive problem we face. Our open source license and community driven approach is unlocking new collaboration and enabling new business models that will allow the financial inclusion sector to scale upward and outward. It enables small institutions to mature and large institutions to reach down cost-effectively in a manner that never could be possible before.
    • Segment: infrastructure
    • Demographic: multiple
    • Impact on Member Growth: watch
    • Impact on Interest Margin: watch
    • Impact on Non-Interest Income: watch
    • Impact on CU Branch: watch
    • Expense Reduction: medium
    • CUSO Capable: yes
  • miiCard
    READ MORE >>
    Think of miiCard as your virtual driver's license or digital passport that lets you prove your real identity online.. Using your online bank login details you can connect your accounts and validate your miiCard in minutes. Because only you know your bank login details these prove the connection between the physical you and the digital you in a purely online environment, establishing the same level of trust in your identity as an in-person passport to driver's license check. miiCard is a secure, read-only service, which means funds cannot be moved from your account. It takes just minutes to signup and validate your miiCard identity and best of all it's free! miiCard lets you sign up to new services and verify your real identity without having to go offline, send in forms or scan in documents.
    • Segment: fraud
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Mitek
    READ MORE >>
    Headquartered in San Diego, CA, Mitek (NASDAQ: MITK) is the leading innovator of mobile capture and identity solutions to improve customer acquisition. Mitek’s patented mobile photo technology automatically captures images of personal, financial and ID documents and then extracts relevant data. This enables consumers to use the Camera as a Keyboard™ to reduce friction for mobile check deposit, account opening, identity authentication and many other use cases. This innovative technology is licensed by more than 4,000 organizations and used by tens of millions of consumers enabling increased customer acquisition, retention and operational efficiency.
    • Segment: infrastructure
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: high
    • Expense Reduction: low
  • MoadBus
    READ MORE >>
    Online Banking, Mobile Wallets, Mobile Banking, Digital Engagement platform
    • Segment: member facing technology
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: medium
  • Mobeam
    READ MORE >>
    Mobeam is a global leader in mobile enabling technology. Mobeam technology allows laser scanners to read 1D barcodes from mobile devices, using patented technology that sends pulses of light or audio pulses to the sensor in scanners mimicking the black-and-white sequencing of standard barcodes. Mobeam is currently preloaded on more than 350 million mobile devices and enables retailers, CPGs and other companies to uniquely engage with consumers while increasing revenue opportunities.
    • Segment: infrastructure
    • Demographic: none
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Modelshop
    READ MORE >>
    Modelshop is unique in its ability to manage the entire lifecycle of making data informed decisions. Using a single platform to model your decisions, simulate outcomes, deploy real-time applications and evaluate performance reduces friction and increases agility for your business. Modelshop puts the power of real-time decisions into the hands of business analysts. Before Modelshop, analysts could model their business decisions in spreadsheets or analytic tools, but they lacked the ability to work with real production data or to fully re-create realistic decision logic. The scalability, ability to handle complex data and language sophistication was simply missing from existing tools. Capturing production data in all of its detail, scaling to millions of data points and executing analytically informed decision strategies is now critical to improving business performance. Modelshop provides a level of data modeling, logic sophistication and performance that exceeds most production application environments. Not only can business analysts model their decisions in detail, Modelshop has the power to turn those models around so they can help run the business, with unprecedented flexibility, visibility and control.
    • Segment: data analytics
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Modo
    READ MORE >>
    Modo is connecting commerce to the new digital economy. Modo’s platform operates like a shipping container for intermodal payments. Value can be loaded into the container from a variety of systems, delivered across one or more channels, and arrive at a wide variety of destinations. Modo connects different types of value as well, including cards & accounts, and currencies such as digital, loyalty, offers, gifts, and cryptocurrencies. Modo also connects directly to mobile phones, with an innovative Connected Beacon™ that makes beacons two-way instead of one-way interactions.
    • Segment: Payments
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Mogul
    • Segment: Payments
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Morpheus Aiolos
    READ MORE >>
    We are a company based in Spain that has developed financial software since 2012. We have two featured products: an API to extract bank transactions and a clone of Mint, which uses the API.
    • Segment: infrastructure
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Motif Investing
    READ MORE >>
    • Segment: investing
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Moula
    READ MORE >>
    Moula is one of Australia's leading providers of unsecured business loans. Apply for a small business loan of up to $100,000 with no hidden fees and no hassle. Moula is Australia’s only dedicated provider of working capital to small and medium businesses. They have developed a unique platform that will analyse business data, providing funding that is relevant and appropriate to help you grow.
    • Segment: lending
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • MX
    READ MORE >>
    MX launched its core Digital Money Management (DMM) solution, MoneyDesktop, in October 2010 and, in just five years, has become one of the fastest growing fintech companies and the DMM provider of choice to more than 550 banks and credit unions. MX is committed to building online and mobile financial software that entices consumers to increase their financial intelligence through a user experience that makes money management feel natural, simple and gratifying. As the industry is disrupted at a rapid pace, MX is committed to keeping financial institutions relevant and on the forefront of innovation.
    • Segment: member facing technology
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • MyMicroInvest
    READ MORE >>
    MyMicroInvest is a “Venture Capital” investment platform which uses crowdfunding techniques to allow individuals to select and invest alongside professionals in European startups and SME's. They enable individuals to invest €100 or more in innovative companies, which allows them to participate in successful ventures of their choice. MyMicroInvest has funded more than 40 SMEs on its platform for more than €12 million from a community of 30,000 investors.
    • Segment: investing
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • N26
    READ MORE >>
    Open an account in under 8 minutes, withdraw from any ATM, get realtime push notifications after every transaction and send and receive money instantly with other N26 users. Pay without cash wherever you see the Mastercard symbol, change your PIN, lock your card, order a new one, and get worldwide insurance coverage if you upgrade to N26 Black. Get all your financial services in one place from N26 and our partners. Today: MoneyBeam, Mastercard and TransferWise. On the way: credit, savings, investments and insurance.
    • Segment: payments
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: low
  • NarmiTech
    READ MORE >>
    Online Banking (for millenials)
    • Segment: member facing technology
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Neighborly
    READ MORE >>
    is expected to launch in the summer of 2015 and will allow citizens to invest in their own communities. Investors will be able to earn commission-free returns on their investments.
    • Segment: investing
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Jwalla
    READ MORE >>
    • Segment: member facing technology
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Kashoo Cloud Accounting
    READ MORE >>
    With over 200,000 users in more than 180 countries, Kashoo is simple cloud accounting software for small business-on the web and on the App Store (the most downloaded accounting iPad app), but it’s more than just that. Kashoo is peace of mind. It’s control. It’s your business’ financial health at your fingertips, whether you’re working from your home office or meeting with a customer. Kashoo lets you run your business on your terms. Get started at kashoo.com or download the app for iOS and Android.
    • Segment: Merchant Services
    • Demographic: SMB
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Kiind
    READ MORE >>
    Kiind helps businesses reward their employees and customers with gift cards. With Kiind, you can easily send personalized offers to multiple contacts, and Kiind’s technology allows you to defer when you pay for rewards and gifts, thereby saving you money.
    • Segment: payments
    • Demographic: SMB
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Knip
    READ MORE >>
    Knip is a simple and transparent solution to insurance. It is an innovative digital insurance manager which provides users with an easy-to-understand overview and analysis of existing insurance policies, tariffs and services. The app is designed to automatically detect individual’s insurance gaps and recommend essential insurance. Upon customer request, the Knip team also consults on all aspects related to personal insurance policies, this allows users to electronically change their tariffs, conclude new insurance contracts and terminate old ones.
    • Segment: insurance
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Learnvest
    READ MORE >>
    LearnVest empowers everyone to take control of their personal finances. They provide expert advice and resources, and financial plans that fit your budget. Designed to help real people get a plan for their money, simply and affordably, they start with goals, finding a balance and taking action. Whether you want to budget better, save for big trips or maximize your investments, LearnVest is an award-winning subscription-based program designed to help people make progress on their money.
    • Segment: investing
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • MapD
    READ MORE >>
    MapD’s mission is to not just make queries faster, but to create a fluid and immersive data exploration experience that removes the disconnect between an analyst and their data. Whether harnessed to explore correlations or identify anomalies, we have built the MapD platform from the ground up to make extracting insight from data effortless and lightning fast. The MapD Core Database is an open source in-memory, SQL database that leverages the parallel processing power of GPUs to query billions of rows in milliseconds–hundreds to thousands of times faster than legacy CPU databases. The MapD Immerse next generation visual analytics client can display billions of datapoints with the same speed as the groundbreaking MapD Core database–allowing data scientists and analysts to visually gain insight from massive data sets. The MapD analytics platform leverages the power of highly parallel GPUs. Traditional CPUs consists of a relatively small number of compute cores optimized for sequential processing. Modern GPUs have massive parallel architectures consisting of thousands of smaller, high efficiency cores designed to handle multiple tasks simultaneously. The MapD analytics platform is designed to leverage this massive GPU parallelism, all transparently to end-users. No GPU programing is required. MapD analytics platform users simply use the MapD Immerse visual client, standard SQL or third party tools like Tableau.
    • Segment: data analytics
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Markit
    READ MORE >>
    Markit is a leading global provider of financial information services. We provide products that enhance transparency, reduce risk and improve operational efficiency. Our customers include banks, hedge funds, asset managers, central banks, regulators, auditors, fund administrators and insurance companies. Founded in 2003, we employ over 4,000 people in 11 countries. Markit shares are listed on Nasdaq under the symbol MRKT. For more information, please see www.markit.com.
    • Segment: data analytics
    • Demographic: none
    • Impact on Member Growth: none
    • Impact on Interest Margin: none
    • Impact on Non-Interest Income: none
    • Impact on CU Branch: none
    • Expense Reduction: none
  • Meniga
    READ MORE >>
    Meniga is the European market leader of white-label Personal Finance Management (PFM) and next-generation online banking solutions. Meniga’s award winning solution helps multiple retail banks across the world create mutually beneficial digital relationships with their customers by dramatically improving their online and mobile banking user experience through innovative solutions designed to get people to think about and engage with their finances. Meniga believes in a consumer driven data ecosystem where digital engagement is translated into market intelligence and helps optimise spending by offering consumers highly targeted contextualised offers (PFM driven marketing).
    • Segment: member facing technology
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Kabbage
    READ MORE >>
    Kabbage is headquartered in Atlanta, and has pioneered the first financial services data and technology platform to provide fully automated funding to small business in minutes. Kabbage leverages data generated through business activity such as accounting data, online sales, shipping and dozens of other sources to understand performance and deliver fast, flexible funding in real time. In just a few years, Kabbage has become the number one online provider of working capital to small businesses in the United States and UK.
    • Segment: lending
    • Demographic: SMB
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Klarna
    READ MORE >>
    Klarna is a payment-processing firm that's mounting a direct challenge to PayPal. Its mission is "simplifying payments" according to its website and the approach differs to competitors. Klarna users don't need to register and can place an order by simply entering their email and zip code. Once the product arrives, users can choose when they want to pay within a 14 day period. Last year, the Swedish start-up snagged a $2.25 billion valuation after venture-capital firm Northzone, Wellington Management and Wellcome Trust bought $80 million worth of stock from company insiders.
    • Segment: payments
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Knox Payments
    READ MORE >>
    Knox allows people to make ACH payments using only their online banking login information, providing the cheapest, safest, and easiest way to accept digital payments.
    • Segment: payments
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Kofax
    READ MORE >>
    Kofax® from Lexmark is a leading provider of software to simplify and transform the First Mile™ of customer engagement. Kofax Insight, our business analytics and process intelligence solution, monitors, analyzes and helps optimize operational business processes to ensure compliance, eliminate risk and gain unprecedented insights to achieve operational excellence. Common processes like new accounts, claims, mortgage applications, and more can be streamlined and accelerated for better customer engagement. More than 20,000 customers globally rely on Kofax software to improve the customer experience, reduce operating costs, differentiate and grow.
    • Segment: infrastructure
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
    • CUSO Capable: possible
  • Kontomatik
    READ MORE >>
    Kontomierz presents Kontomatik – a leading provider of the Banking API. The service supplied by Kontomatik API is mostly aimed for the banks with competitive products, online lenders that are looking to optimise loan-issuing processes and start-ups that want to build their apps around a supreme technology. Online Credit Scoring, Instant KYC and Contextual Financial Offers are the key benefits supplied by Kontomatik API, yet the main service is the provision of a tool that lets an organisation become a true innovator in the financial industry. Kontomatik API is now available in Poland, Spain, Czech Republic, Slovakia, Mexico, Brazil, Russia and more countries to come.
    • Segment: infrastructure
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Kreditech
    READ MORE >>
    Kreditech Group is a technology company that delivers a range of custom-tailored financial services with a focus on underbanked consumers across the globe. Kreditech uses big data, proprietary algorithms and automated workflows to acquire, identify and underwrite customers within seconds. Automated processes combined with self-learning algorithms ensure fast and convenient customer service, minimizing cost and human error while continually improving by incorporating new customer data.
    • Segment: infrastructure
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • LendFriend
    READ MORE >>
    is an innovative online platform that seeks to serve the population who are underserved by banks and traditional lenders. LendFriend creates an opportunity for individuals to lend money to people they know
    • Segment: bank
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Lending Club
    READ MORE >>
    offers a non-traditional way for individuals and businesses to obtain loans. Groups of investors fund the loans and Lending Club now offers a program where medical providers can give patients the option of obtaining loans to cover medical treatments.
    • Segment: lending
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • LendUP
    READ MORE >>
    offers an affordable alternative to traditional payday loans. Each loan has clear terms and can have an interest rate as low as 29 percent. The LendUp Ladder program allows borrowers who have made steady payments to obtain better rates and longer terms on future loans.
    • Segment: lending
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Mambu
    READ MORE >>
    Mambu enables innovative banking providers to rapidly create, launch and service loan as well as deposit products through its agile, flexible and affordable cloud banking platform. An alternative to legacy core banking software, Mambu accelerates time to market for new consumer and SME banking products via innovative channels, at a fraction of the cost. Established in 2011, the company works with more than 145 institutions in 35 countries worldwide, servicing a portfolio of more than a million accounts.
    • Segment: infrastructure
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • MasterCard
    READ MORE >>
    MasterCard (NYSE: MA), www.mastercard.com, is a technology company in the global payments industry. We operate the world’s fastest payments processing network, connecting consumers, financial institutions, merchants, governments and businesses in more than 210 countries and territories. MasterCard’s products and solutions make everyday commerce activities easier, more secure and more efficient for everyone.
    • Segment: Payments
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: low
  • NerdWallet
    READ MORE >>
    offers a wealth of financial information about credit cards, banking, and mortgages. Visitors can obtain free financial advice and reviews of credit card offers.
    • Segment: member facing technology
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • LendingRobot
    READ MORE >>
    allows peer-to-peer lenders to bring automation to their loan portfolios. This process allows individual investors to have instant access to lending opportunities, invest according to pre-set criteria, and receive daily reports on portfolio activity.
    • Segment: lending
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • LevelUp
    READ MORE >>
    • Segment: Payments
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Linqto
    READ MORE >>
    Linqto is a Silicon Valley software development company specializing in enterprise solutions for digital banking. Named a Top Ten Tech Company to Watch in 2015 by American Banker and winner of this year’s Most Innovative Monarch Award for Business Banking, Linqto is a leader in new tech innovation for banking. Linqto’s omni-channel One Tap Banking suite is one of the company’s latest offerings, delivering the face-to-face connectivity and relationship-building benefits remote customers are missing.
    • Segment: infrastructure
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Lleida.net
    READ MORE >>
    Lleida.net is the leading international operator in the market of registering electronic communications, SMS solutions and data validation. As a trusted third party, eCommunications are provided with an added legal value. Lleida.net services bring efficacy, certainty and cost effectiveness to their customers’ processes. Public administrations, SMEs and large companies are among their customers. Some of Lleida.net services are Registered email and registered SMS Registered invoices Registered electronic contracts Connectaclick (eContracting solutions) Stamphoto (take photos and certify them) Stamp ID Lleida.net (ID and passport validation) Data validation Text messaging
    • Segment: member facing technology
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: medium
  • Loop
    READ MORE >>
    • Segment: payments
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Lufax
    READ MORE >>
    Shanghai Lujiazui International Financial Asset Exchange (“Lufax”) is an online marketplace for the origination and trading of financial assets. Lufax has grown into China’s largest internet finance company in less than four years. Lufax takes advantage of the latest big data and IT technologies, and leverages the most advanced risk assessment models and risk control systems.
    • Segment: investing
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Paradigm4
    READ MORE >>
    Paradigm4 develops and supports SciDB: the open source, analytic DBMS; programmable from R & Python. SciDB is designed from the ground up to support more facile data management for Big and Diverse data and to do faster and bigger math. Hard questions. Fast answers. Open source.
    • Segment: infrastructure
    • Demographic: none
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • PayNearMe
    READ MORE >>
    PayNearMe enables consumers to pay rent, repay loans, buy tickets, make online purchases, and do much more with cash. Consumers can make cash payments in their own neighborhood in less than 60 seconds through PayNearMe’s network of 17,000 authorized payment locations including 7-Eleven®, Family Dollar®, and ACE Cash Express® stores.
    • Segment: payments
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Payoneer
    READ MORE >>
    Payoneer empowers global commerce by connecting businesses, professionals, countries and currencies with its innovative cross-border payments platform. In today’s borderless digital world, Payoneer enables millions of businesses and professionals from more than 200 countries to reach new audiences by facilitating seamless, cross-border payments. Thousands of leading corporations including Google, Airbnb, UpWork and Getty Images rely on Payoneer to power their mass payout services. With the integration of Armor Payments’ escrow solution, Payoneer enables secure escrow payments between buyers and sellers on B2B marketplaces.
    • Segment: payments
    • Demographic: SMB
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Paypal
    READ MORE >>
    The PayPal / Braintree Developer program is the face of technology innovation for the companies. Using an open source technology stack foundation, we are constructing new breeds of payment platforms, API standards, and identity systems to support the next generation of disruptive technology.
    • Segment: payments
    • Demographic: Multiple
    • Impact on Member Growth: High
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: High
    • Impact on CU Branch: medium
    • Expense Reduction: low
  • PayRange
    READ MORE >>
    PayRange is the world’s simplest mobile payment solution for vending, parking, transit ticketing, laundry, amusement, and more. In under a minute, operators of legacy machines plug-in the PayRange BluKey, which is as easy as inserting a USB thumb drive. The machines – dating back 20 years old or more – can then accept payment via a smart phone app. The system expands reach of card payment, Apple Pay, and Android Pay to non-networked machines.
    • Segment: payments
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • PayStand
    READ MORE >>
    PayStand is a next-generation payment solution enabling no fee transactions online. By offering payments as a service, PayStand is revolutionizing commerce. One low monthly subscription allows organizations to accept eCash (Bitcoin), eCheck, & credit cards through PayStand’s all-in-one solution.
    • Segment: payments
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Personal Capital
    READ MORE >>
    Personal Capital is the smart way for people to understand, manage and grow their net worth, with award-winning online tools providing total transparency into investment accounts. Certified Personal Capital advisors use information to provide accurate recommendations to clients, improving efficiency and supporting money management principles that lead to the best outcomes possible. A pioneer in digital financial advisory services, Personal Capital is backed by leading Silicon Valley venture capital firms and financial institutions. With nearly $2 billion in assets under management, Personal Capital helps clients feel more confident about their financial future. The free app is available for iPhone, iPad and Android.
    • Segment: investing
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Personetics
    READ MORE >>
    Personetics is a venture-backed company pioneering an innovative new category of digital consumer banking called Personalized Guidance. Their innovative solution enables banks around the world to deliver individual customer experiences across all digital channels that are simple, smart, useful and personally relevant. The Smart Assistant service not only accurately predicts customer needs and intentions, it enables banks to better focus on each customer’s individual self-interest, which in turn builds trust, improves customer loyalty, increases product usage and adoption, and lowers costs.
    • Segment: bank
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Plaid
    READ MORE >>
    Financial management applications have been brought into the future with the technology developed by Plaid. Plaid has technology that allows ACH verification to be completed in just seconds and allows banking data to be quickly accessed and organized into comprehensive statements.
    • Segment: infrastructure
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: low
  • PlanWise
    READ MORE >>
    was established to help people in a simple way gain confidence and skills necessary in financial planning. A user-friendly software program guides customers as they evaluate their current financial situations, add monetary goals, and develop plans-of-action to reach these goals.
    • Segment: investing
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • PokitDok
    READ MORE >>
    PokitDok is a cloud-based API platform that powers healthcare transactions and interoperability to enable the business of health. Third party developers such as payers, health systems, digital health, and fintech companies can use the PokitDok platform to easily create new apps or enable existing systems to streamline healthcare transactions, creating better customer experiences and bending down the cost curve to make healthcare more accessible and affordable. PokitDok’s APIs offer real time eligibility/claims, provider search, cash and insurance pricing for procedures, identity management, and more. PokitDok is based in San Mateo, CA and Charleston, SC.
    • Segment: other
    • Demographic: low
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • PolicyBazaar
    READ MORE >>
    Policybazaar.com is India's leading online insurance comparison portal that has earned trust and goodwill of over 5 million customers seeking both life and non-life insurance. Their vision is to empower the Indian consumers, help them compare policies, and make informed choices for their various insurance needs with accurate information based on insurance products. Policybazaar.com is specialized in making comparative analysis of the insurance products of various insurance policies based on price, quality and key benefits. They develop solutions leading to financial security and competitive returns.
    • Segment: insurance
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Prevotv
    READ MORE >>
    • Segment: other
    • Demographic: unknown
    • Impact on Member Growth: unknown
    • Impact on Interest Margin: unknown
    • Impact on Non-Interest Income: unknown
    • Impact on CU Branch: unknown
    • Expense Reduction: unknown
    • CUSO Capable: unknown
  • Prevoty
    READ MORE >>
    Prevoty is dedicated to securing enterprises and the users they serve by monitoring and protecting the applications that are the heart of modern business. By using a LANGSEC-based approach to accurately analyze attacks from inside production applications, Prevoty’s products provide real-time application security intelligence and RASP (Runtime Application Self-Protection). These capabilities enable Global 2000 enterprises to dramatically improve remediation of vulnerabilities, enabling security and development teams to work together more effectively, even with agile release cycles. Prevoty was founded in 2013 and is headquartered in Menlo Park, California.
    • Segment: fraud
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Nexmo
    READ MORE >>
    Nexmo is the global cloud communications platform leader providing innovative communication APIs and SDKs for voice, text, messaging and phone verification services. Nexmo enables applications and enterprises to communicate with their customers reliably and with ease, no matter where in the world they are located. Companies such as Alibaba, Airbnb, LINE and Viber send millions of messages per month using Nexmo APIs. Nexmo was recognized by analyst firm Gartner as a 2014 Cool Vendor in Communication Service and by Roaming Consulting Company as a Tier 1 A2P SMS Messaging Vendor in 2015.
    • Segment: infrastructure
    • Demographic: none
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Nok Nok Labs
    READ MORE >>
    has developed innovative authentication technology for e-commerce consumers. The company has assembled an experienced web security team who strive to provide superior customer service, as well as ongoing support and training for clients
    • Segment: Fraud
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Nostrum Group
    READ MORE >>
    Nostrum Group provides technology and processing services to the consumer lending industry. Based in the UK, and we are the market leader in providing digital solutions to this sector. Our mission is to leverage technology to make lending cheaper, faster and safer for lenders and more accessible to consumers. Our SaaS solution focuses on automation and self-serve models. Access to the loan engine’s rich functionality across origination, decision making, payments and collections is facilitated through a full stack web API, making adoption quick, easy, reducing time to market and driving product and service innovation.
    • Segment: Lending
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Nubank
    READ MORE >>
    Nubank is a technology-driven financial services startup funded by well known venture capital investors, including QED, Sequoia Capital, Tiger Global, and Founders Fund. Over the past year of operation, we have been using modern technology and tech industry best practices in an effort to set a new standard for financial services in Brazil. Our first product is a credit card that empowers our customers with full control of their finances and a best-in-class customer experience via smartphones. Nubank has an international, english-speaking team with people from all over the world, including 40+ software engineers. We are based in São Paulo, Brazil.
    • Segment: investing
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Oinky
    READ MORE >>
    At OINKY, we believe being financially secure is a basic human right. The problem is we’re either too busy or don’t know where to start. That’s why we created OINKY. To liberate you from ever having to save or budget again, and help you achieve financial security. We start this journey with one simple step: by helping you grow your savings automatically, based on your recent spending. It’s empowering to know that if you cut your spending or work harder, your financial security will automatically improve as OINKY increases how much you save. But as your savings grow your needs will change, and unfortunately sitting on cash isn’t always enough to get you those big dreams. That’s why we’ll help automate the rest of your journey to financial nirvana. We’ll help you earn one of the best interest rates available, take advantage of tax efficient schemes if they earn you more and introduce you to simple investment solutions if you want them.
    • Segment: investing
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: low
  • OnApproach
    READ MORE >>
    OnApproach uses advanced data pooling, modeling and data analytics to help credit unions make better decisions throughout their business.
    • Segment: Data Analytics
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: medium
  • OnDeck
    READ MORE >>
    OnDeck uses technology to make the borrowing process simple, fast and efficient for small businesses in the US, Canada and Australia. Launched in 2007, OnDeck connects Main Street businesses – such as restaurants, retailers and other service providers – directly to capital. The proprietary OnDeck technology platform uses data aggregation and electronic payment technology to analyze the financial health of small businesses, allowing them to access the capital they need to grow. To date, OnDeck has delivered over $3 billion in capital to small businesses nationwide.
    • Segment: lending
    • Demographic: SMB
    • Impact on Member Growth: low
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Onnovative
    READ MORE >>
    Marketing Automation
    • Segment: member facing technology
    • Demographic: Multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: medium
  • OrchardPlatform
    READ MORE >>
    Orchard Platform is a technology and infrastructure provider for marketplace lending. Orchard supports operational efficiencies to help institutional investors, investment managers and loan originators connect and transact. Orchard’s mission is to build the systems that will allow marketplace lending to efficiently grow into a global financial market. Orchard enables institutional investors and investment managers to allocate capital to marketplace lending, with best practices, manager identification, portfolio benchmarking and strategic access to supply. Orchard helps originators across multiple asset classes diversify their capital structure with marketplace lending distribution, and provides market insights, scalable infrastructure and reporting to enable originators to focus on making loans and giving borrowers more choices.
    • Segment: lending
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • OrchIS
    READ MORE >>
    OrchIS™ is the first IAM platform designed for modern applications and user engagement strategies. OrchIS™ dramatically enhances business agility and customer relationships providing standards based SDK's, API’s, and microservices, automated and delivered at web-scale. OrchIS was crafted from the ground up utilizing next-generation technologies. OrchIS brings Big Data, DevOps, Machine Learning, and Microservices simplifying Authentication, Authorization and Provisioning for any application anywhere.
    • Segment: member facing technology
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: medium
    • Expense Reduction: low
  • Oscar
    READ MORE >>
    The Oscar team is focused on utilizing technology to simplify the entire healthcare experience. A team of technology and healthcare experts looked at the current state of the US healthcare system, and were frustrated by the horrible consumer experience. In response, they decided to reinvent how healthcare is delivered. They are reinventing how to manage care, process medical claims, control healthcare costs, and provide transparency. With all the complexity hidden behind an easy experience for members. Oscar is making the healthcare system simple, smart and friendly.
    • Segment: other
    • Demographic: low
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Osper
    READ MORE >>
    Osper is a mobile banking service that gives children as young as eight a safe way to learn to save by doing. The young person gets a debit card that their parent tops up weekly or monthly with their budget. The card can be used in shops, at cash machines and online. Both parent and child get an app that allows them to track spending on the card together. The experience helps young people to learn in the way that's most natural - by doing. It changes the way that the kids and parents talk about money too. Osper wants to make family budgeting a shared experience - one that’s trusting and educational, and provides the life lessons that so many adults never had when they were young.
    • Segment: member facing technology
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • OutsideIQ
    READ MORE >>
    OutsideIQ has developed an innovative cognitive computing platform that investigates and uncovers risk by intelligently searching deep web sources. Founded by a former Microsoft search technology strategist, OutsideIQ’s staff of data scientists, big data professionals and software engineers has developed this patent pending proprietary learning search technology. OutsideIQ is based out of Toronto, Canada.
    • Segment: Fraud
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Patch
    READ MORE >>
    • Segment: other
    • Demographic: unknown
    • Impact on Member Growth: unknown
    • Impact on Interest Margin: unknown
    • Impact on Non-Interest Income: unknown
    • Impact on CU Branch: unknown
    • Expense Reduction: unknown
    • CUSO Capable: unknown
  • Patch of Land
    READ MORE >>
    Patch of Land aims to solve the problem of slow, inefficient, fragmented and obscure private real estate lending by using the latest technology, data and process efficiency to more accurately assign risk profiles and project viability, while greatly reducing time and cost of loan underwriting for borrowers with real estate projects that are overlooked or rejected by banks and traditional lenders. Patch of Land is crowdfunding real estate through its P2RE (peer-to-peer) online marketplace offering various typologies of secured real estate debt on assets backed by first position liens and personal guarantees. We match investors and lenders seeking alternative fixed income opportunities to borrowers seeking alternative sources of financing for their real estate investment needs.
    • Segment: lending
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Nexus Intelligence
    READ MORE >>
    Setit Credit was created to turn Card Not Present transactions into seamless member payment experiences that allow additional revenue opportunities for credit unions.
    • Segment: Data Analytics
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: medium
  • Number26
    READ MORE >>
    Number26 builds the most modern bank account in Europe and is the first one that you can manage entirely on your smartphone. Since April 2015, Peter Thiel - Co-founder of PayPal and Valar Ventures are connected to Number26 as investors and support Number26 in achieving their vision. Additional early stage premium partners are Earlybird Venture Capital, Redalpine Venture Partners, Axel Springer AG and well-known visionaries in the Fintech area field who are part of this great vision to make Mobile Banking easy and customer-oriented.
    • Segment: bank
    • Demographic: multiple
    • Impact on Member Growth: possible
    • Impact on Interest Margin: possible
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • OpenTable
    READ MORE >>
    • Segment: Payments
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • OurCrowd
    READ MORE >>
    OurCrowd is the world’s leading equity crowdfunding platform for accredited investors to invest in Israeli and global companies. Managed by a team of seasoned investment professionals and led by serial entrepreneur Jon Medved, OurCrowd vets and selects opportunities, invests its own capital and brings startups to its accredited membership of 10,000 global investors. OurCrowd provides post-investment support to its portfolio companies, assigning industry experts as mentors and taking board seats.
    • Segment: investing
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • TransferWise
    READ MORE >>
    Transfer money abroad quickly and easily with low cost money transfers. TransferWise allows expats, foreign students and businesses to move and send money abroad at the lowest possible cost, using only real exchange rates and small fees. The firm's pricing and operating model is a substantial departure from standard practice in the money transfer sector, providing customers with a lower-cost alternative to traditional means of moving money internationally.
    • Segment: payments
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • NuCypher
    READ MORE >>
    NuCypher protects data at-rest, in-transit, and in-use without impacting performance or functionality. NuCypher has built deep technology that for the first time allows Hadoop-based databases to store and query encrypted data while maintaining high performance. This technology will finally enable major big data users to migrate their data stores to the cloud.
    • Segment: fraud
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • NuMoni
    READ MORE >>
    Numoni was formed in Singapore to bring financial inclusion to the underbanked with its Cash-In Cash-Out solution. Numoni created and developed the user-friendly Cash-Transaction terminal – NUGEN – to empower the underbanked community with e-transactions. This simple self-service NUGEN terminal enables micro remittance, micro payment and micro loan. It allows the underbanked to use cash to Recharge their prepaid mobile airtime; vouchers; stored valued cards and wallets, remit prepaid mobile airtime and money, repay utilities bills; school fees; installment loans, release donations, receive micro-saving; donations and Retail vouchers.
    • Segment: Merchant Services
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Nutmeg
    READ MORE >>
    Nutmeg was chosen on the list "for taking investments online". The British start-up is an online wealth manager which is regulated by the U.K.'s Financial Conduct Authority (FCA). Nutmeg recently cut its prices as a number of competitors entered the market and said it would soon introduce an automated investment advice service or "robo-advisor."
    • Segment: investing
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • NYMBUS
    READ MORE >>
    NYMBUS is transforming the way traditional banks and financial institutions support and interact with their customers. We offer a modern, holistic software system that includes core processing functionality and an impressive suite of applications to improve workflows, automate processes and engage their customers – all in an environment that reduces technology challenges and nurtures constant innovation.
    • Segment: Other
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • PowerWallet
    READ MORE >>
    With PowerWallet’s robust set of features you can monitor your spending, set budgets and goals, get bill reminders and more. Be financially in control 24/7. We analyze your expenditures and show you where your money is going so you can put together an informed spending plan. Our calendar gives you a monthly view of all your daily activity and bill reminders.
    • Segment: member facing technology
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Praesidio
    READ MORE >>
    Praesidio is a cloud-based cybersecurity company that was formed by bankers and security experts to solve the critical, real-world problems of breach detection, remediation, and governance insight that Financial Institutions (FI) are grappling with today. Praesidio bridges the gap between Governance and IT by linking your cybersecurity policies with the millions of system events where threats hide. It aggregates data across all cybersecurity tools to provide real-time management reporting that proves to your security team, board, auditors and regulators that your FI is actively managing and enforcing its policies.
    • Segment: fraud
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Promispay
    READ MORE >>
    PromisePay is a fully managed payments platform built just for online marketplaces. Up and running in a single day with no extra operational overheads or costs, PromisePay powers fast, flexible and frictionless payments so marketplaces can build platform trust, improve user experience, and drive revenue.
    • Segment: Payments
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Property Partner
    READ MORE >>
    Property Partner is a property crowdfunding platform which enables people to invest in residential property at the click of a button. Investors can buy shares in individual buy-to-let properties similar to the way they can invest in stocks. They can invest as little or as much as they like in an individual property. Once the property is fully crowdfunded, investors receive rental income in proportion to the number of shares they have. Property Partner finds the tenants and manages the property. Investors can exit their investment at any time through a secondary market on the Property Partner platform and/or after five years when the individual property is sold at market value. The vision for Property Partner is to create a global stock exchange for residential property.
    • Segment: investing
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Prospa
    READ MORE >>
    Prospa is one of Australia's leading online small business lender. They provide unsecured business loans and finance for small business. The Australian owned company can approve loans for under $20k in less than a day, and their smart technology and online application process provide a fast and easy way to access small business loans. They offer a fast and flexible solution to working capital needs, allowing you to concentrate on your job of building your business. Prospa is changing the way small and medium businesses are funded.
    • Segment: lending
    • Demographic: SMB
    • Impact on Member Growth: low
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Prudena
    READ MORE >>
    Prudena is a subscription-based online community and web-based toolkit dedicated to assisting value investors with financial analysis. By taking advantage of Prudena’s automated financial statement analysis tools, investors reduce the time it takes to perform high-quality fundamental research.
    • Segment: investing
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • PSCU
    READ MORE >>
    PSCU is a Credit Union Service Organization (CUSO) and a true cooperative partner for credit unions. As a cooperative built, owned and governed by credit unions, our Owners contribute a collectively unique perspective on their strategic needs to thrive and grow in their markets. This collaborative approach ensures that the focus of the cooperative addresses the highest priority needs of its members. The combination of leadership in payments and a commitment to ongoing investment in technology and talent make PSCU an optimum partner to process, service and grow credit unions’ card programs. PSCU’s technology infrastructure, from its call center service applications, to its support for member-facing self-service applications is a critical component of PSCU’s service delivery model.
    • Segment: payments
    • Demographic: multiple
    • Impact on Member Growth: high
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: medium
    • Expense Reduction: medium
  • Rategravity
    READ MORE >>
    RateGravity is redefining the way you finance your home by eliminating the mortgage salesperson and providing you the chance to easily compare multiple personalized offers and close with reputable local lenders that have been approved by RateGravity. RateGravity was designed to put your needs first. You can complete the process online or you can speak with your personal concierge who is available to answer any questions, provide guidance and to collaborate with your real estate agent or attorney, if necessary.
    • Segment: lending
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: low
  • RelayNetworks
    READ MORE >>
    We seek to deliver exceptional customer experiences by making communication between businesses and customers shockingly simple. Engage your customers with personalized mobile experiences on a secure, interactive channel that increases revenue, reduces costs, and improves outcomes. All with nothing to download. Relay instantly creates a mobile connection between businesses and their customers that reaches more people than apps, portals, and emails alone, requires no on-going technology resources, and easily automates the customer experience for valuable interactions.
    • Segment: infrastructure
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: medium
  • SalaryFinance
    READ MORE >>
    SalaryFinance is a new employee benefit whose mission is to save UK workers £4bn per annum through lower interest repayments. SalaryFinance works with progressive employers to help their staff reduce their personal finance interest costs. Their platform allows employees to take out loans when they need it, with repayments collected from salary deductions. This repayment method substantially lowers risk/cost, the savings from which we pass on to employees. They focus on reducing the cost of existing borrowing, rather than encouraging more. On average, employees who use SalaryFinance, benefit from an equivalent 2-3% pay rise, through lower interest costs. There is minimal admin and no cost or liability for employers, making SalaryFinance a win-win product, for employers and their staff.
    • Segment: other
    • Demographic: low
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Simply WallSt
    READ MORE >>
    Simply Wall Street visualizes stocks, portfolios and Exchange Traded Funds using infographics to help casual investors understand the stock market and become better investors. Having the ability to turn you into a better investor by helping you make non-emotional long term investment decisions on high quality stocks. Simply Wall Street evaluates every listed company and turns the data into beautiful and easy to understand infographics. In only a few minutes you can get a full understanding of the company's performance and see if it could be a good investment for you.
    • Segment: investing
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • SimplyTapp
    READ MORE >>
    HCE (host card emulation) experts and providers.
    • Segment: infrastructure
    • Demographic: none
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • SoftJourn
    READ MORE >>
    Our mission is to make global software development work! Communication! It’s what our customers love about us. It’s what you will love about working with us. You won’t have to have to tell us what to do every step of the way; our technical expertise, communication processes and experience make us your partner rather than just coders. Your offshore experience will go in comfort and professionalism with Softjourn, because it’s our ultimate goal. We eliminate some of the common difficulties associated with offshore including how to manage and communicate with the team. Your success is our Success! Softjourn has been the software development partner for many companies in the financial service areas for 9+ years. Projects our financial team has worked on have included: payment processing, international money transfer, mobile payments, managing ATM networks and more.
    • Segment: other
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Prosper
    READ MORE >>
    is a peer-to-peer lending company. Borrowers may request loans from $2,000 to $35,000 while investments begin at $25. Prosper handles the loan servicing on behalf of both parties in the transaction.
    • Segment: lending
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Q2
    READ MORE >>
    Q2 provides the most comprehensive and adaptable digital banking platform of its kind, built to help banks and credit unions compete to win in an always-connected world. Q2’s digital banking platform was designed to help financial institutions meet all of their digital banking needs with a single piece of software. That’s why it serves and secures all of your account holder segments—from consumer to business to corporate—on any device they choose to use. Targets: Ease your compliance burden with Q2’s set of compliance products and dedicated staff, Attract and retain account holders by offering a consistent user experience across segments and devices, Get to know your account holders and protect them proactively with the comprehensive data of a single platform, Reduce complexity and drive down cost of ownership of the digital channel with a single platform, Protect your assets and your reputation with integrated security products for every type of account holder.
    • Segment: infrastructure
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Robinhood
    READ MORE >>
    provides free stock market trading. The goal is to provide a simplified explanation of the stock market that will allow all individuals an opportunity to make informed investments and build their wealth.
    • Segment: investing
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Rong360
    READ MORE >>
    Rong360 is China’s leading financial vertical search platform. They are committed to providing financial searches of financial products to consumers and small businesses, giving recommendation and application services, business scope cover loans, credit cards and financial management. Rong360 is free for the user, which provides convenient, cost-effective, secure financial information services, and is currently the most extensive coverage in Beijing, as well as the largest financial service users search platform.
    • Segment: data analytics
    • Demographic: unknown
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Salemove
    READ MORE >>
    SaleMove Inc. was founded in 2012 with a mission to bring the in-person customer experience online. Since then we have grown into an amazing team of engineers and business people that are looking to change online shopping forever! In today’s dynamic financial landscape, banking customers expect a superior online customer experience. As the industry shifts from a brick and mortar standard toward an omnichannel strategy, SaleMove is the engagement platform for the most innovative banks. aleMove is ushering in a new era of innovation for the financial sector by bringing the trust of a face-to-face interaction to your online banking experience. From checking account activations to mortgage loan applications, SaleMove’s bank clients see an increase in customer loyalty across the board.
    • Segment: member facing technology
    • Demographic: multiple
    • Impact on Member Growth: high
    • Impact on Interest Margin: high
    • Impact on Non-Interest Income: high
    • Impact on CU Branch: high
    • Expense Reduction: low
  • SamsungPay
    READ MORE >>
    Samsung Pay lets you carry your credit, debit, gift and membership cards on your devices. All you have to do is tap to check out. Add your qualifying Visa, MasterCard or American Express cards issued by our partner banks. Samsung Pay currently supports 1000+ banks and credit unions, and there are more on the way.
    • Segment: payments
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • SandBoxBanking
    READ MORE >>
    Sandbox banking helps speed up integration to new tools, get innovation from current vendors, and meet millenial technology expectations and innovations. SandBox provides a full suite of services including API integration, publishing, and an app store of innovative Fintech Applications.
    • Segment: infrastructure
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: medium
    • CUSO Capable: yes
  • SavvyMoney
    READ MORE >>
    Our mission is to empower you to take control of your financial future with easy to understand actionable advice about your credit. We start by giving you free ongoing access to your credit score, explain the factors that impact it, and recommend actions that might strengthen it. Next, we do the math to show you how much you will save versus what you are paying today. We do this by monitoring your credit score in conjunction with fluctuating interest rates. Improving on the rates you pay for credit today will have a huge impact on your ability to invest in the future. Finally, we provide you with easy to understand financial advice along the way. All with the goal to help you save up, spend savvy and borrow even savvier.
    • Segment: other
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Sayula
    READ MORE >>
    Sayula is a leading provider of countify, a cloud based real-time analytics application platform. Countify’s SaaS provides financial institutions with a cost effective, reliable, scalable, high performing and regulatory compliant service for their mission critical applications. Countify’s eco-system empowers users with sharing and collaborative interaction that generates derived knowledge which can be easily tapped by the world of openAPI data.
    • Segment: data analytics
    • Demographic: unknown
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • ScientiaMobile
    READ MORE >>
    ScientiaMobile provides the mobile web industry with the most accurate and flexible device detection solution, helping customers deliver great web experiences and manage the increasingly fragmented mobile device ecosystem. ScientiaMobile sells WURFL, a constantly-updated repository that catalogues thousands of devices and their capabilities and provides access to them via a range of API languages – including javascript. The WURFL framework enables many organizations, including Fortune 500 companies, to effectively design and analyze web experiences for an ever-growing range of smartphones, tablets, smart TVs and game consoles.
    • Segment: member facing technology
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • ScriptRock
    READ MORE >>
    ScriptRock is the brainchild of two longtime IT veterans who recognized a common problem inherent in IT and set out to build a solution. The result is a powerful configuration integrity monitoring platform in use by companies around the world. Thanks in part to the platform’s flexibility and scalability, ScriptRock has become integral to workflows in high finance, banking, healthcare, retail, and other industries.
    • Segment: fraud
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • SecureKey
    READ MORE >>
    SecureKey is a leading identity and authentication provider that simplifies consumer access to online services and applications. The privacy-enhancing SecureKey Concierge Service™ is a next generation identity and authentication network for conveniently connecting people to critical online services using a digital credential they already have and trust. SecureKey is headquartered in Toronto and the company is backed by a world-class group of venture and corporate investors that include strategic investments from Visa, MasterCard, Discover, Rogers Venture Partners and Intel Capital.
    • Segment: fraud
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Setit Credit
    READ MORE >>
    Setit Credit was created to turn Card Not Present transactions into seamless member payment experiences that allow additional revenue opportunities for credit unions. Credit Unions who use the product are able to automatically keep their members cards top of wallet by making it simple to reissue and change the card across all your members favority places
    • Segment: Payments
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: low
    • CUSO Capable: yes
  • Sekur Me
    READ MORE >>
    Sekur.me eliminates user IDs and passwords securely by turning your phone into your digital identity. It also brings the convenience of Single-Click eCommerce purchases to smartphones, where tiny keyboards make it hard to type. Checkout and pay in 9 seconds.
    • Segment: fraud
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • SelfWealth
    READ MORE >>
    SelfWealth Ltd is an Australian owned and operated company which offers a brand new solution to an age-old investment problem – how to empower investors to make informed decisions without paying exorbitant brokerage fees. Established in 2012, we’re an online community for investors, partnering to achieve a common purpose of better returns. For the first time in Australia, investors can now access an online tool which compares their portfolio’s performance against other investors. At SelfWealth, we call a trade a trade. That’s why in early 2016 we launched Australia’s only flat fee brokerage solution, SelfWealth TRADING. Our members can now trade shares for $9.50 per trade with no commissions – regardless of the size of the trade.
    • Segment: investing
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • SigFig
    READ MORE >>
    Build an intelligent, tax-efficient, diversified portfolio for a fraction of the cost of traditional advisors. Our mission is to build a new kind of investment company: one that uses science and data to help all investors, large and small, invest better. We're a company that treasures innovation and values beautiful design; one which values simplicity and whose team thrives on the opportunities created by technology. We are a company that creates transparency and acts in the best interest of investors.
    • Segment: investing
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Simility
    READ MORE >>
    Simility comes from the word “similis”, which is the Latin word for “similar”. Simility reflects both our philosophy and our approach to fraud detection. Our team’s combined 27 years of fighting fraud at Google provided us with two invaluable insights: The first – Combine the power of algorithms to recognize similar and dissimilar signals with the ability for humans to create meaning out of them. The second – Give front-line fraud fighters tools that empower them to put their domain expertise and knowledge to use without needing to write code. With Simility, we’ve achieved both.
    • Segment: fraud
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • SlimPay
    READ MORE >>
    SlimPay is a French Fintech startup founded in 2010. SlimPay provides a state-of-the-art platform to process SEPA Direct Debit payments in 34 countries in Europe. With 50 Direct Debit specialists, SlimPay is the European leader in Direct Debit fully compliant with EU regulation.
    • Segment: payments
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Smart Token Chain
    READ MORE >>
    Patent-pending “Smart Tokens” increase global trading efficiency by combining today’s most disruptive FinTech tools: Blockchain, Smart Contracts and Tokenization. Customizable Smart Tokens INSTANTLY transfer assets between P2P, B2C and B2B APPs. Each Smart Token is UNIQUE- including counterpart identities, asset verification and transaction data, based on ISO 20022 Standards. Assets undergoing tokenization: RMB, Oil, Gold, and Bonds. Smart Token partnered with MasterCard and SWIFT, offering Free Money Transfer to 1.2 B bank/mobile accounts globally. STC derives revenue from licensing, transaction fees and/or foreign exchange arbitrage.
    • Segment: payments
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: medium
  • SnoopWall
    READ MORE >>
    It’s the year of mCrime (mobile crime), and all banking apps are easily eavesdropped on by ‘trusted apps’ that are actually malware allowed on iTunes, Google Play and Microsoft App store. We’ll present a live demo of this ‘breaking into my own bank account’ on mobile using a malicious Flashlight App. Then, you’ll learn about AppSHIELD SDK.
    • Segment: fraud
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • SocietyOne
    READ MORE >>
    SocietyOne is Australia's leading Peer-to-Peer lending platform where investors connect with borrowers to get a better deal. They pioneered marketplace lending in Australia by connecting creditworthy borrowers directly with investors. SocietyOne removes the cost and complexity of the traditional lending process, bringing borrowers and investors a better experience and a better deal. Their mission is to offer highly competitive personal loan interest rates and commensurate returns for investors in this asset class. The SocietyOne technology platform reduces the cost of originating and managing consumer loans, enabling SocietyOne to share its operating cost advantage with both borrowers and investors to therefore get a better deal.
    • Segment: lending
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • SOFI
    READ MORE >>
    SoFi is reinventing consumer finance for the better. They are a leader in marketplace lending, with over $5 billion in loans issued to date. SoFi helps early stage professionals accelerate their success with student loan refinancing, mortgages, mortgage refinancing, and personal loans. Their non-traditional underwriting approach takes into account merit and employment history among other factors, therefore offering products that can’t be found elsewhere. They offer individual and institutional investors the ability to create positive social impact on the communities they care about while earning compelling rates of return.
    • Segment: lending
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Solace Systems
    READ MORE >>
    Solace Systems messaging middleware routes information such as market data, orders, payments, risk data, trades and other transactions through the front and back office environments of financial institutions. 6 of the world’s biggest investment banks and 3 of the top 4 FX banks trust Solace to meet their data distribution needs in a compact footprint that is easy and cost-effective to deploy, run and scale. Solace meets the diverse data distribution needs of all applications, asset classes and use cases so customers can cost-effectively connect all of the information associated with running their business, serving customers and making smart decisions.
    • Segment: infrastructure
    • Demographic: none
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Qufenqi
    READ MORE >>
    Qufenqi is an electronics retailer that offers monthly installment payment solutions to the students and professionals in China. The company primarily offers smartphones, laptops and other consumer electronics online, allowing customers to choose their own down payment option and the time period for making regular monthly installments. Customers have to close the installments within two years of the purchase. The business model is tailored for students and young white collar workers, with the final price and monthly required payments shown transparently on the product page.
    • Segment: lending
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Quisk
    READ MORE >>
    Quisk, Inc. is a Silicon Valley based start-up that partners with financial institutions and other organizations to enable anyone to use their money without needing cash or cards. Quisk provides a digital services and transaction processing platform for integrated mobile payments and digital marketing and loyalty programs. Deploying cloud-based technology, the Quisk digital cash solution not only works with any mobile phone number on any type of mobile phone but also can leverage existing Point-Of-Sale (POS) infrastructure. The Quisk team is comprised of technology and payments industry veterans from CyberSource, Visa, Apple, and HP. Quisk is the next step in the evolution of money.
    • Segment: Merchant Services
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Quovo & Betterment
    READ MORE >>
    Quovo is the leading data aggregation service for the next generation of wealth management platforms. Quovo provides account aggregation and analytics services for investment advisors, broker-dealers, banks, and FinTech companies. Betterment is the largest, fastest-growing automated investing service, helping people to better manage, protect, and grow their wealth through smarter technology. The service offers a globally diversified portfolio of ETFs, designed to help provide you with the best possible expected returns for retirement planning, building wealth, and other savings goals.
    • Segment: data analytics
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • RateReset
    READ MORE >>
    RateReset is Technology that Empowers Consumers to Reset Their Existing Loan Electronically, Software that Automates Loan Retention, Brand that Protects Against Cost and Hassle of Refinancing in the Future, Feature of a Loan…Not a New Loan
    • Segment: lending
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Renrendai
    READ MORE >>
    Renrendai, founded in 2010, is one of the AAA personal financial information service platforms granted by Chinese authorities. Through five years’ development, it has 2 million registered users. It is one of the most influential peer to peer lending service companies in China. It was in the "top 100 internet companies in China" in 2015.
    • Segment: lending
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Revolut
    READ MORE >>
    Revolut is the transparent global money app enabling the user to spend and send money globally at 0% commission with the best available exchange rates. Revolut launched in July 2015 to emphasize fairness and freedom in finance combined with a great user experience. Within the first 3 months the app had 47,000 active users who had transacted over $100m with an average of $1.3m transactions per day.
    • Segment: Payments
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Ripple
    READ MORE >>
    Ripple provides global financial settlement solutions to enable the world to exchange value like it already exchanges information – giving rise to an Internet of Value (IoV). Ripple solutions lower the total cost of settlement by enabling banks to transact directly, instantly and with certainty of settlement. Banks around the world are partnering with Ripple to improve their cross-border payment offerings, and to join the growing, global network of financial institutions and market makers laying the foundation for the Internet of Value.
    • Segment: Payments
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Square
    READ MORE >>
    is a mobile POS app that can perform a number of functions such as credit card sales, invoicing, inventory, and analytics. Square offers users an opportunity to access business capital and provides an extensive customer support network.
    • Segment: Merchant Services
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • TrueAccord
    READ MORE >>
    has developed a fully automated debt recovery system for enterprises and small businesses. It gives those who owe money a method to repay their debts and for businesses to preserve customer relationships while recovering past due payments.
    • Segment: other
    • Demographic: SMB
    • Impact on Member Growth: Low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Trulioo
    READ MORE >>
    developed an instant bank grade identity verification service called GlobalGateway.  It’s used with compliance systems across the globe to help payment providers and financial services comply with international Anti-Money Laundering (AML) and Know Your Customer (KYC) requirements worldwide. This is done easily through a single API integration.
    • Segment: fraud
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • TxPUSH
    READ MORE >>
    TxPUSH is a global industry group tasked with overseeing the development of TxPUSH technology. The group is dedicated to making real-time financial account events available to any third party app while improving login credential security.
    • Segment: Fraud
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • U51
    READ MORE >>
    The first of a key intelligence to help users manage the credit card bill "51 credit card butler" APP, the current management has developed into China's mobile Internet credit card bills most financial companies, with over 70 million bank certified high-quality users, manage China over 30% of active credit card bills.
    • Segment: data analytics
    • Demographic: unknown
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Valuto
    READ MORE >>
    Embracing cross-border banking, Valuto offers a multicurrency wallet for SMEs and sole traders, a centralized location to facilitate everything from foreign exchange to sending and receiving cross-border payments. The solution accesses the company’s network of bank accounts across Europe, enabling valuto.com customers to send and receive same day transfers at a fraction of the cost. The platform also leverages the company’s existing currency-exchange marketplace, which boasts over 360,000 registered users and facilitated over 2.5 billion Euro in exchanges in 2014. Additionally Valuto boasts an open API which enable seamless integration with numerous systems including SaaS accounting services, e-invoicing, B2B marketplaces and e-commerce platforms.
    • Segment: member facing technology
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Visa
    READ MORE >>
    The Visa Developers program provides a broad array of tools, services and resources from both Visa and its subsidiary brands to help developers create seamless, multi-channel payment solutions.
    • Segment: payments
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: low
  • VivaReal
    READ MORE >>
    VivaReal is an online real estate portal that enables its users to sell, buy, rent or invest in residential and commercial properties throughout Brazil. VivaReal connects their clients to the property of their dreams. At any stage of your life, you can count on the VivaReal to connect you to thousands of estate agents and brokers. VivaReal offers more than 1.8 million listings of houses and apartments for rent and purchase. The portal is the leader in its segment, is present with local offices in 14 cities in Brazil and receives over 6 million monthly visits.
    • Segment: investing
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • VIX Verify
    READ MORE >>
    VIX Verify is a global leader in digital identity verification solutions. Financial institutions trust our award winning greenID platform to enable seamless and efficient consumer on-boarding, while simultaneously ensuring compliance with local AML/KYC/CTF regulatory requirements. greenID is the only true global, integrated platform that combines document image capture, document verification, OCR, and facial recognition technologies to verify and authenticate consumer identities and documents in real-time.
    • Segment: Fraud
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Vyze
    READ MORE >>
    With Vyze, it’s simple for businesses to offer financing for all their customers, across every touch point. Vyze brings your business the technology, financing partners, and support needed to create the simplest, most satisfying financing experience for each and every customer, wherever they shop.
    • Segment: lending
    • Demographic: retailers and manufacturers
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Wallaby Financial
    READ MORE >>
    Wallaby Financial helps consumers get the most out of their credit cards by optimizing usage based on individual preferences. Through our products, you can optimize your credit card usage for rewards, credit limit, statement due dates, linked bonuses, and other factors. Wallaby is available for your smartphone, your web browser, and your wearable devices.
    • Segment: data analytics
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: low
    • CUSO Capable: possible
  • WalmartPay
    READ MORE >>
    Walmart Pay is a new feature in the Walmart mobile app that enables you to quickly, easily and securely pay with your smartphone in selected Walmart stores. The new feature is rolling out nationally to all stores in the first half of 2016. Walmart Pay works with any iOS or Android smartphone*, at any Walmart checkout lane, and with any major credit, debit, pre-paid or Walmart Gift Card.
    • Segment: payments
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Solinea
    READ MORE >>
    Solinea is the software and services company that accelerates adoption of production open-infrastructure cloud solutions to deliver on promises of agility, quality, efficiency and cost savings. Solinea’s multi-disciplinary, technology-agnostic approach has a proven track record with Global 1000 companies addressing the entire cloud ecosystem to effectively define cloud strategies; design scalable, elastic architectures; develop processes that operationalize cloud systems; and provide cloud management platforms for management and monitoring of cloud compliance, auditing and security.
    • Segment: infrastructure
    • Demographic: none
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • SpeechPro
    READ MORE >>
    SpeechPro is a global leader in speech and audio processing. The strength of our technology comes from the world-class R&D team of over 150 specialists including 28 PhDs. See http://bit.ly/1KKNcbe. SpeechPro global distribution network spans over 200 resellers and partners worldwide. Our products are deployed to over 74 countries. SpeechPro core expertise is speech recognition & text-to-speech, audio recording, forensic audio analysis, noise cancellation (audio enhancement) and biometrics (authentication, identification and verification).
    • Segment: infrastructure
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • SpotCap
    READ MORE >>
    Spotcap is an innovative multinational online lender for small and medium sized businesses. Spotcap provides small business loans from $1,000 to $250,000 for small business owners, enabling small business owners who have been operating for more than one year to grow their business by providing fast and flexible financing. The company has developed a sophisticated and dynamic decision process assessing the real-time performance of businesses to grant short term loans. Spotcap is headquartered in Berlin and is also operating in Spain, the Netherlands and Australia. The team - currently consists of 65 credit experts and through online, is expanding its operations geographically.
    • Segment: lending
    • Demographic: smb
    • Impact on Member Growth: low
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Spreedly
    READ MORE >>
    Spreedly is an API based service designed to help marketplaces and platforms securely create a universal credit card token that works across the broadest range of payment endpoints possible.
    • Segment: infrastructure
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Stash
    READ MORE >>
    Stash is investing for real people who have unique perspectives on the world. We’re breaking the mold of traditional finance, making investing accessible to everyone.
    • Segment: investing
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • StockPile
    READ MORE >>
    Stockpile is revolutionizing the investment world by making the purchase of stock as easy as buying a litre of milk. Stockpile Gift Cards, now available at major grocery stores and retailers in addition to financial institutions and online – can be redeemed for stock in your favourite companies. Buy them for yourself or gift them to friends and family of any age, with no account minimum. Founded in 2010 and headquartered in Palo Alto, Calif, Stockpile promotes financial inclusion, empowerment, and literacy by enabling access for all to the financial markets.
    • Segment: investing
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • StockSpot
    READ MORE >>
    Stockspot helps clients invest in a professionally managed portfolio of global investments for a fraction of the fees charged by traditional financial advisers and fund managers. Clients answer a few questions about their financial situation and goals, the online engine then recommends an investment strategy based on their personal profile. Stockspot portfolios invest in low-fee Exchange Traded Funds across a range of asset classes that are constantly reviewed to ensure that clients have access to the best possible return and diversification opportunities. They monitor and optimise portfolios when markets move, and take care of financial reporting.
    • Segment: investing
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • StockTwits
    READ MORE >>
    StockTwits is a social network and publishing platform for investors and traders. We created the $ prefix for stocks (e.g. $MSFT). Follow @StockTwits and go to stocktwits.com for real-time ideas and stock conversations.
    • Segment: investing
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Stockwits
    READ MORE >>
    Quickly catch up on what is happening with the stocks you own and which companies everyone is talking about today. The future of investing is social. Connect with other active investors before making your next trade. Find and follow the pros. Check the level of bullishness and bearishness around a stock before you make your next investment.
    • Segment: investing
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Stratumn
    READ MORE >>
    Stratumn removes all barriers to building, deploying and running Blockchain Apps by providing you with the infrastructure and tools to get your ideas off the ground fast. We help developers leverage the power of the Blockchain to write, execute and verify any workflow or business process. By leveraging “proof-of-existence” and smart contracts, business partners can more easily and efficiently work together with less risk and more transparency without depending on third party auditors and regulators.
    • Segment: blockchain
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: medium
  • Streamdata.io
    READ MORE >>
    Streamdata.io is a French software company based in the Alps. We provide a Proxy-as-a-Service solution, based on web standards, that turns any API into a real-time experience, without requiring any server-side code. We are currently servicing millions of devices. Our clients include large banks for retail brokerage and derivatives trading, as well as Fintechs launching their new services, in Europe, Asia and USA.
    • Segment: infrastructure
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Stripe
    READ MORE >>
    provides a wide array of API applications that can handle all aspects of e-commerce for businesses of any size. Stripe offers complete security and customer support for electronic payment systems, including systems on mobile devices.
    • Segment: payments
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Thinknum
    READ MORE >>
    Thinknum is a powerful web platform to value companies. Thinknum leverages the web’s resources in data and technology for financial analysts to host their financial models on the cloud.
    • Segment: other
    • Demographic: low
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Thomson Reuters
    READ MORE >>
    Thomson Reuters connects and powers the global financial community through our open and trusted news, data, analytics and insight, tools and applications, trading capabilities, and infrastructure and services – enabling discovery, liquidity and compliance. We help our customers uncover critical insights and market opportunities and connect to the largest network of financial professionals – enabling better decisions and more confident actions. We create efficiencies that drive profits with scalable infrastructure and services that enable faster and smarter performance. Our trading applications and venues provide access to liquidity that connects customers and markets.
    • Segment: other
    • Demographic: low
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Tipalti
    READ MORE >>
    Manage your global payments in an automatic, cost-effective manner with Tipalti. Tipalti integrates well with partner websites, reduces transaction fees, and continuously updates your payment system for changes in tax and regulatory laws.
    • Segment: payments
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • TokBox
    READ MORE >>
    TokBox, a Telefónica company, develops and operates OpenTok, the leading cloud platform for embedding real time video, voice, messaging and screen sharing into websites and mobile applications. Our comprehensive API offers a suite of advanced capabilities, including interoperable mobile and web SDKs, archiving, security, 1:1 and multiparty calls, and more. The first platform to incorporate support for WebRTC, OpenTok caters to enterprises, entrepreneurs and developers with powerful APIs. OpenTok has been used to add real-time communications by companies including Mozilla, Royal Bank of Scotland, Valspar, MLB, Ford, Doritos, Bridgestone Golf & Double Robotics.
    • Segment: infrastructure
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Token
    READ MORE >>
    Token provides a new rail for instant, secure and flexible payments. The Token Payment Platform is an end-to-end secure payment system accessible to developers, where all transactions are authorized using digital signatures. With Token, third party developers easily add payments and identity to their websites and apps. There is no worrying about PCI compliance or protecting user information as Token is based on public-key cryptography rather than shared secrets such as usernames and passwords. Token is focused on delivering the best Developer Experience to be had and allow developers to focus on their core mission.
    • Segment: payments
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Tradier
    READ MORE >>
    Tradier is a financial services cloud provider that offers a groundbreaking solution to serve platform providers, developers and investors. The Tradier solution features an innovative set of fully hosted APIs, modules and “out of the box” tools that are leveraged by a growing list of providers.
    • Segment: investing
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Traity
    READ MORE >>
    Traity measures people's reputation based on their social media footprint, creating an accurate description of people, including traits such as creativity or perseverance using global 360 feedback, allowing people to trust each other on social networks and collaboration economy sites.
    • Segment: fraud
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Wealthfront
    READ MORE >>
    Wealthfront is an automated investment service which combines world-class financial expertise and leading edge technology to provide sophisticated investment management at prices that are affordable for everyone. Wealthfront makes it easy for anyone to get access to world-class, long-term investment management without the high fees or steep account minimums. Their mission is to provide access to the same high quality financial advice offered by major financial institutions and private wealth managers, like tax-loss harvesting, without the high account minimums or costs.
    • Segment: investing
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Symbiont
    READ MORE >>
    Formed in 2015, Symbiont is a New York-based company using its purpose-built smart contracts platform to bridge the gap between blockchain technology and Wall Street. Symbiont’s Smart Securities™ drastically reduce overhead costs and inefficient processes, while eliminating the need for “trusted” intermediaries. Its initial priorities include facilitating the issuance, trading and processing of less liquid financial instruments, such as corporate bonds, syndicated loans and structured products. In August 2015, Symbiont validated its technology with the first production use of smart contracts to issue its shares on the Bitcoin blockchain.
    • Segment: blockchain
    • Demographic: low
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • SyndicateRoom
    READ MORE >>
    SyndicateRoom is the only UK-based investor-led equity crowdfunding platform. SyndicateRoom allows its members to co-invest alongside experienced angel investors in highly sophisticated investment opportunities on the same economic terms as the lead investors (i.e. they are offered the same share class and price per share). SyndicateRoom was founded by Gonçalo de Vasconcelos and Tom Britton, and its own lead investors and advisers are UK Business Angel of the Year Peter Cowley and super-angel Jonathan Milner. SyndicateRoom is authorised and regulated by the Financial Conduct Authority.
    • Segment: investing
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • TD Ameritrade Institutional
    READ MORE >>
    TD Ameritrade Institutional is a leading provider of comprehensive brokerage and custody services to more than 4,500 fee-based, independent Registered Investment Advisors and their clients. Our advanced technology and personal support allow investment advisors to grow their businesses more effectively. TD Ameritrade Institutional, Division of TD Ameritrade, Inc., member FINRA/SIPC.
    • Segment: investing
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Temenos
    READ MORE >>
    Temenos Group AG is the market leading provider of mission-critical software applications to over 1,650 financial institutions in 150 countries worldwide.
    • Segment: Other
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • The Beast Apps
    READ MORE >>
    The Beast Apps offers an Application Distribution as a Service (ADaaS) as a utility in a pay-as-you-go business model where vendors can Build-Test-Deploy their commercial apps in the cloud within hours and days as opposed to weeks and months. The Beast Apps’ ADaaS has attracted some really big financial institutions, such as exchanges, Inter Dealer Brokers (IDBs), Electronic Communication Networks (ECNs), analytics vendors, market data vendors, etc., to leverage the platform and build their Eco System/App Store, significantly reducing time to market and costs, gaining unprecedented business intelligence, significantly enhancing revenue potential, and helping vendors and customers as well, bringing value to the entire eco system.
    • Segment: member facing technology
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • The Currency Cloud
    READ MORE >>
    Launched in London, Currency Cloud is driving the transformation of the payments landscape to make international business and new markets accessible to everyone. With its developer friendly Payment Engine, businesses can build and automate their products, benefiting from real time wholesale rates and a fast, secure payment network. Everything is delivered by its next generation API.
    • Segment: payments
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Thinking Capital
    READ MORE >>
    Thinking Capital is the leader in the Canadian alternative lending space, leveraging technology to be at the forefront of the fintech industry. Since 2006, they have helped more than 10,000 small-to-medium sized Canadian businesses reach their full potential. By combining their people and technology, Thinking Capital is transforming the way business owners get the capital they need to grow.
    • Segment: lending
    • Demographic: smb
    • Impact on Member Growth: low
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • WeCash
    READ MORE >>
    Wecash is China's first Internet credit assessment company that provides solutions for technology companies. The development of Wecash is currently the most advanced big data platform credit assessment, using machine-learning algorithms to provide credit assessments in under fifteen minutes. Their singular commitment to eliminate information asymmetry with big data, provides faster, more accurate credit decisions. By relying on data mining analysis and machine learning technology, the information submitted by the applicant is used to identify and combine personal, social behavior and massive internet information on the personal credit score online.
    • Segment: data analytics
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • WePay
    READ MORE >>
    is a flexible payment option for online merchants. The Connect platform enables users to use WePay to receive payments, while the Clear platform allows users to collect payments under their own brand.
    • Segment: Merchant Services
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Worldpay
    READ MORE >>
    Worldpay US provides leading payments processing services across multiple verticals including grocery, petroleum, retail, restaurant, ecommerce and small business. Utilizing traditional point-of-sale technologies to mobile devices, customers can accept payments anytime, anywhere. From transaction capturing and processing to merchant acquiring, Worldpay provides insightful expertise, seamless delivery and valued relationships. We’re defining the way we work at Worldpay. Through innovation and investment, the Worldpay brand supports our desire to strengthen our focus on our customers and provide the most secure and reliable processing platform in the industry. Visit us at Worldpay.com.
    • Segment: Merchant Services
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • WorldRemmit
    READ MORE >>
    iZettle is a payments processing company that provides companies with a free card reader which plugs into tablets or phones, allowing businesses to run from mobile devices. It's similar to U.S. firm Square which was founded by current Twitter chief executive Jack Dorsey. However, iZettle chief executive recently said that the company is different to Square as it operates in separate regions. We're very European-focused we are in totally different markets compared to Square...we are quite a different company, CEO Jacob de Geer told CNBC in a TV interview last year. Last August the Swedish start-up raised 60 million euros and is backed by companies such as MasterCard and Santander. To broaden its revenue streams, iZettle has launched a small business loan platform iZettle Advance.
    • Segment: Merchant Services
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Xero
    READ MORE >>
    Xero is changing the game for small businesses with easy-to-use online accounting software. The cloud-based software connects people with the right numbers anytime, anywhere, on any device. For accountants and bookkeepers, Xero helps build a trusted relationship with small business clients through online collaboration. It includes a full accrual accounting system with a cashbook, automated daily bank feeds, invoicing, debtors, creditors, sales tax and reporting. Xero is designed to be the accounting engine for your small business, giving you real time access to your financial data and access for your accountant or bookkeeper for quicker, easier collaboration at any point
    • Segment: Merchant Services
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Xignite
    READ MORE >>
    Xignite is the pioneer of cloud-based market data APIs & the data provider for leading FinTech innovators Betterment, FutureAdvisor, JemStep, Motif Investing, Personal Capital, Robinhood, SigFig, Stocktwits, The Currency Cloud, Wealthfront, Yodlee and more. From end-of-day stock quotes to spot rates on currencies, our APIs cover every asset class, market and data type available and are ideal for integrating data into FinTech mobile apps, websites, and platforms.
    • Segment: infrastructure
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • YapStone
    READ MORE >>
    YapStone is a global provider of online and mobile payment solutions for global marketplaces and large vertical markets. YapStone powers payments for marketplaces (HomeAway and VRBO) and thousands of vacation rental and apartment rental companies, Homeowners’ Associations, self-storage companies, hospitality establishments and non-profit organizations. YapStone processes over $15B in payment volume annually and has been recognized for its growth, ranking on the Inc. 5000 list of Fastest-Growing
    • Segment: payments
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Yodlee
    READ MORE >>
    Yodlee Interactive is a driving force behind today’s FinDat revolution with APIs that empower entrepreneurs, partners, and developers to power the latest digital financial innovations around the world. Yodlee Interactive APIs support independent and partner FinApps by providing authorized access to real-time data for customers’ current bank, credit card, investment, and loan accounts, as well as bills, insurance, and rewards programs. Yodlee Interactive APIs are behind hundreds of today’s coolest and most personalized digital experiences, including Credit Karma, LearnVest, miiCard, PowerWallet, SavvyMoney, SelfWealth, Xero, and Wave.
    • Segment: member facing technology
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • ZestFinance
    READ MORE >>
    ZestFinance was founded by a team of some of the world’s best data scientists who came together with a mission – use machine learning algorithms to revolutionize how credit decisions are made to provide fair and transparent credit to everyone. The team of crazy smart data geeks, mathematicians and computer scientists have reinvented underwriting, enabling more accurate credit decisions, increased credit availability for borrowers and higher repayment rates for lenders.
    • Segment: Data Analytics
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • ZhongA
    READ MORE >>
    ZhongAn is an innovative online property insurance company. They utilize big data technology to assist with product design, automatic underwriting, auto claims, precision marketing and risk management. Founded in 2013 in Shanghai, ZhongAn Insurance is the first company in China to be issued an internet (online) insurance license. The company is a joint venture between: Alibaba Group Holding (an e–commerce company), Tencent Holdings (an online gaming and social networking company) and Ping An Insurance. ZhongAn offers a wide– range of online insurance services to the Chinese market, catering to all socio– economic groups, with a major focus on travel, accident and health.
    • Segment: Insurance
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Zipmark
    READ MORE >>
    The pain of many small businesses is waiting for payments. For some, minimizing receivables can be the difference between staying afloat for another month or not. Zipmark offers a solution by moving check payments online and processing them overnight. The company vets merchants and customers and then enables payments by “digital check”: the customer clicks a button and the money moves directly from his account to that of the merchant. Recently, bigger businesses, including real estate companies that collect monthly rent, have also adopted Zipmark’s platform.
    • Segment: payments
    • Demographic: SMB
    • Impact on Member Growth: Low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Zopa
    READ MORE >>
    Zopa was one of the early peer-to-peer lenders to appear after it was founded in 2004. The British firm is a rival to Funding Circle and to date has lent £1.3 billion ($1.8 billion). Peer-to-peer lenders work by letting people invest their money into businesses, positioning themselves as challengers to traditional banks. Zopa recorded a jump in revenues from £5.4 million in 2013 to £11.5 million in 2014, according to its latest set of financial results
    • Segment: Lending
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • BluePoint Solutions – recently merged with Allogent
    READ MORE >>
    Our commitment is to deliver innovative technology solutions that digitize and automate the financial services world. Over 2,200 banks and credit unions worldwide turn to Alogent to keep their competitive edge and satisfy their account holders’ changing demands. They stay because we offer continuous upgrades, customizable, scalable, and secure solutions, paired with unmatched ongoing support. Credit unions nationwide rely on our solutions to meet their efficiency and member service level goals. Our ImagePoint solutions automate every aspect of item capture from any point of presentment, and complete Day1/Day2 processing. FASTdocs document imaging and powerful content management solutions make truly paperless operations possible. And to meet member convenience demands, we offer best-in-class omni-channel account opening.
    • Segment: merchant services
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: medium
    • Expense Reduction: medium
  • BlueVine
    READ MORE >>
    BlueVine allows small businesses to get paid immediately on their outstanding invoices. With BlueVine, companies can free up their cash for paying expenses and growing their business. The company is backed by leading venture capital firms, and based in Palo Alto, CA.
    • Segment: Payments
    • Demographic: unknown
    • Impact on Member Growth: unknown
    • Impact on Interest Margin: unknown
    • Impact on Non-Interest Income: unknown
    • Impact on CU Branch: unknown
    • Expense Reduction: unknown
    • CUSO Capable: unknown
  • Braintree
    READ MORE >>
    As the Braintree_PayPal developer and startup relations team, Braintree_dev works directly in the field to educate and support the community about the Braintree and PayPal APIs and SDKs. With unique programs including BattleHack, Startup Blueprint and Start Tank, Braintree_dev engages with the community to mentor, support and enable seamless commerce experiences through easy integrations around the globe.
    • Segment: Payments
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • BTCJam
    READ MORE >>
    allows users to invest their bitcoins and earn a high rate of return. This process is secure and allows investors to participate in peer-to-peer lending. BTCjam is also a great place for those seeking loans.
    • Segment: Blockchain
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • C2FO
    READ MORE >>
    C2FO, the world's market for working capital and risk-free profit, is the only working capital exchange that allows companies to optimize their working capital positions in a live, bid/ask environment. Companies across the globe use C2FO to increase their gross and net profit while simultaneously producing working capital flows to their supply chain. C2FO stands for Collaborative Cash Flow Optimization.
    • Segment: investing
    • Demographic: low
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Capital One
    READ MORE >>
    Capital One Financial Corporation is a financial holding company whose subsidiaries, which include Capital One, N.A., and Capital One Bank (USA), N.A., had $208.8B in deposits and $310.5B in total assets as of June 30, 2015. Headquartered in McLean, Virginia, Capital One offers a broad spectrum of financial products and services to consumers, small businesses and commercial clients through a variety of channels. Capital One, N.A. has branches located primarily in New York, New Jersey, Texas, Louisiana, Maryland, Virginia and the District of Columbia. A Fortune 500 company, Capital One trades on the New York Stock Exchange under the symbol “COF” and is included in the S&P 100 index.
    • Segment: bank
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: low
  • CardFlight
    READ MORE >>
    CardFlight is a leading provider of mobile POS technology and tools that make it easy for anyone to accept swiped (card present) payments in any mobile app with virtually any merchant account. They offer both iOS/Android mobile payment applications and software development kits (SDKs) that can be incorporated into custom applications. CardFlight’s platform also includes encrypted card readers and a payment gateway that supports over 20 different processors, to provide clients with complete mobile payments and mobile POS (mPOS) solutions. CardFlight won the Electronic Transactions Association’s 2014 Technology Innovation Award.
    • Segment: Payments
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Chain.com
    READ MORE >>
    Chain.com is the leading provider of blockchain solutions to financial institutions. Chain enables enterprises, including Nasdaq, First Data, and others, to issue, store, and transfer digital assets. Chain’s solutions reduce the cost and friction of moving assets and create new growth opportunities. The company is based in San Francisco.
    • Segment: Blockchain
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: medium
  • ChartIQ
    READ MORE >>
    ChartIQ is the first and only professional-grade advanced HTML5 charting library for technical analysis that works seamlessly across desktop, web, tablet and mobile. ChartIQ greatly improves user experience, time on site, conversion rates, and retention rates by expanding beyond traditional charts. Users are able to interactive and engage with financial data through customized charts that matter most to them. Better yet, ChartIQ makes financial data actionable with visual trading from the chart. ChartIQ’s products have been built from the ground up for developers as software development kits. Easily customized and integrated into your user experience with APIs for everything from custom indicators to specialized drawings tools to novel visualizations
    • Segment: investing
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Chasepay
    READ MORE >>
    It’s a digital wallet that can be used for mobile payment, brought to you by the bank you trust. Use a single app to pay with your mobile phone, check your account balances and see your recent transactions, and more. All in one wallet app. From national chains to local shops, Chase Pay is more than a payment app, an eWallet®, a virtual wallet or even a store app. It’s like having all those apps bundled into one. With Chase Pay, you can pay with your phone at thousands of stores, in merchant apps, and online. You can even order food for takeout and check your account balances.
    • Segment: payments
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Check
    READ MORE >>
    Formerly known as Pageonce, Check changed its name in 2013 to focus on mobile bill payments. (At its founding in 2007, the company had intended to aggregate all of a user’s financial information on a single page.) Today the Check app is designed to consolidate users’ bills in one app that can manage payments and make sure that unpaid balances don’t fall through the cracks and start incurring late fees. The company had attracted almost $50 million in investment and 10 million users through 2013. In May 2014, it was acquired by Intuit.
    • Segment: Payments
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Apex Clearing
    READ MORE >>
    Apex Clearing is an innovator in securities clearing, custody, execution and technology. We specialize in supporting a variety of financial institutions including broker dealers, proprietary trading firms, online registered investment advisors, and financial technology startups. Our technology powers the most cutting-edge financial firms in the world, and our innovative approach to back office solutions enables businesses to grow and succeed. Apex prides itself on thinking differently and tirelessly pushing the boundaries of financial services. Apex Clearing Corporation is registered with the SEC, a member of FINRA and participant in SIPC.
    • Segment: Other
    • Demographic: low
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • BehavioSec
    READ MORE >>
    BehavioSec transforms behavior into a transparent additional layer of security by monitoring the way users interact with their devices in real-time. BehavioSec’s technology recognizes if a conflicting user is operating a device by monitoring the environment, rhythms, and interaction patterns that are unique to each user. The solution is designed to enhance security without impacting the user experience. It is currently deployed at over 20 retail banks protecting over 11M users and over 500M transactions per year.
    • Segment: Fraud
    • Demographic: low
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Betterment
    READ MORE >>
    Betterment is an automated investment service, helping people to better manage, protect, and grow their wealth through smarter technology. With more than 115,000 customers and over $2.9 billion in assets under management, the service offers a globally diversified portfolio of ETFs, designed to help provide you with the best possible expected returns for retirement planning, building wealth, and other savings goals. Betterment also helps customers get on track for a comfortable retirement with RetireGuide™, a retirement planning tool that lets people know how much they should save and if they are investing correctly.
    • Segment: investing
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • BillGuard
    READ MORE >>
    BillGuard began in 2010 as a service to alert users to hidden fees charged by their banks and credit card issuers. The company earned $3 million of funding on the strength of that product. Since then, it has expanded (and raised another $10 million) to become a nearly comprehensive fraud monitor and spending tracker. Its iOS and Android apps push warnings to your devices when something’s amiss, so you don’t have to worry as much about failing to diligently check all of your monthly statements. To date, BillGuard claims it has raised the red flag on over $60 million in suspect transactions for its users.
    • Segment: Fraud
    • Demographic: low
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: medium
  • BioCatch
    READ MORE >>
    BioCatch is a leading provider of Behavioral Biometric, Authentication and Malware Detection solutions for mobile and web applications. Available as a cloud-based solution, BioCatch proactively collects and analyzes more than 500 cognitive parameters to generate a unique user profile. Organizations use the platform to continuously authenticate users during their online sessions, protecting against cyber threats and fraudulent activity, such as account takeover and RAT-in-the-Browser (RitB).
    • Segment: Fraud
    • Demographic: low
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Bionym
    READ MORE >>
    Toronto-based Bionym is a team of experts in cryptography, biometrics and security. Our first product is the Nymi, a wearable device that enables the user to authenticate once via unique cardiac rhythm and securely and seamlessly assert Persistent Identity to any system.
    • Segment: Fraud
    • Demographic: low
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • BitCoin
    READ MORE >>
    Bitcoin is different than any currency you've used before, so it's very important to understand some key points. Unlike government issued money, that can be inflated at will, the supply of bitcoin is mathemattically limited to twenty one million bitcoins, and that can never be changed. Bitcoins are impossible to counterfeit or inflate. You can use them to send or receive any amount of money, with anyone, anywhere in the world at very low cost. Bitcoin payments are impossible to block, and bitcoin wallets can't be frozen. Short of turning off the entire world's interent, and keeping it turned off, the Bitcoin network is unstoppable and uncensorable.
    • Segment: Blockchain
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: low
  • BizFi
    READ MORE >>
    For nearly a decade, Merchant Cash and Capital, LLC has been an industry leader in providing alternatives to traditional funding sources and an innovator in providing merchant cash advances and other financial services to businesses in the retail, restaurant and services industries.
    • Segment: Payments
    • Demographic: low
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • BlockCypher
    READ MORE >>
    Blockchain is the technology that powers Bitcoin and other digital assets. BlockCypher helps companies easily build reliable blockchain applications. The BlockCypher team built a generic blockchain platform, exposing simple web APIs for developers to build on. BlockCypher runs multiple blockchains on the same infrastructure, including their own blockchain. BlockCypher provides a cloud-optimized enterprise-grade blockchain platform with no single point of failure, linear scaling, and uptimes >99.99%.
    • Segment: Blockchain
    • Demographic: low
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Acorns
    READ MORE >>

    Acorns is a financial service, helping you to save and invest your money, enabling Individuals to start early, invest often, and reach financial goals. Acorns helps you proactively invest. One key feature is round-ups; rounding up each of your transactions to the nearest dollar, and invest the change into a diversified portfolio. Acorns provides you with the option of choosing a portfolio that is in line with your investment goals and the amount of risk you’re comfortable taking.

    • Segment: investing
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Bluemetal
    READ MORE >>
    Our expert team begins with creative problem-solving grounded in an understanding of your business strategy, architecture and organization. We meet with your key stakeholders to define your challenges and opportunities. Together we review your current technology roadmap, including your methodologies, toolset, and products, and decide how success will be defined for this effort. This research-driven approach conceptualizes the solution and the corresponding design and architecture. Through this process we eliminate guessing and create a shared vision for the solution.
    • Segment: other
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: medium
    • Expense Reduction: medium
  • BlueOcean
    READ MORE >>
    • Segment: data analytics
    • Demographic: unknown
    • Impact on Member Growth: unknown
    • Impact on Interest Margin: unknown
    • Impact on Non-Interest Income: unknown
    • Impact on CU Branch: unknown
    • Expense Reduction: unknown
    • CUSO Capable: unknown
  • 21 Inc.
    READ MORE >>
    The 21 Bitcoin Computer is the first computer with native hardware and software support for the Bitcoin protocol. That means; the hardware to mine a stream of small amounts of bitcoin for development purposes, and the software to make that bitcoin useful for buying and selling digital goods. Developers and bitcoin enthusiasts can use the 21 Bitcoin Computer to quickly create apps, services, and devices that can be rented or bought for bitcoin. The 21 Bitcoin Chip is an application specific integrated circuit (ASIC) specifically designed to mine in the background to provide a small stream of bitcoin to your computer as a system resource for software development purposes.
    • Segment: Blockchain
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: Low
    • Impact on Non-Interest Income: Low
    • Impact on CU Branch: Low
    • Expense Reduction: low
  • Accusoft
    READ MORE >>
    Accusoft provides a full spectrum of document, content, and imaging solutions as fully supported, enterprise-grade, client-server applications, mobile apps, cloud services, and software development kits. The company is focused on solving document lifecycle complexities through a customer-focused approach, continuous product development, proactive support, and forward-thinking leadership. Founded in 1991, Accusoft has grown through persistent product innovation and strategic mergers and acquisitions into the best-in-class solutions provider it is today. The company has been awarded 30 patents and is recognized as a thought leader in the industry.
    • Segment: infrastructure
    • Demographic: unknown
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Addepar
    READ MORE >>
    is a comprehensive investment management system that allows immediate access to data, customized reports, dashboards, and the most sophisticated technology in the field.   Addepar can consolidate information from all departments within your company and can integrate them with existing software systems.
    • Segment: investing
    • Demographic: low
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Advisor Software
    READ MORE >>
    Advisor Software is the leading cloud platform for the investment advice industry. Our Wealth Management Cloud™ platform offers an end-to-end suite of APIs and apps supporting every aspect of the wealth management process – from client acquisition and financial planning, to investment planning and portfolio construction, through digital advice and portfolio rebalancing.
    • Segment: investing
    • Demographic: low
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Adyen
    READ MORE >>
    Adyen is an international payments processing company that counts Uber, Spotify and Facebook among its clients.
    • Segment: Payments
    • Demographic: low
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Aerospike
    READ MORE >>
    Aerospike helps businesses achieve the speed, scale and availability required to manage the real-time transactional workloads of modern, mission-critical applications. The Aerospike high-performance NoSQL database is a key value store written explicitly to run in RAM and Flash to deliver speed at scale. Our technology, also available in open source, includes tools and packages designed to help developers build next generation applications without worrying about low level programming. Gartner named Aerospike a visionary in 2014 Magic Quadrant for Operational Database Management Systems. Leading innovators in financial services trust Aerospike to power web-scale workloads.
    • Segment: infrastructure
    • Demographic: low
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Affirm
    READ MORE >>
    Affirm uses modern technology to re-imagine and re-build core components of financial infrastructure from the ground up. Their focus is to improve the lives of everyday consumers with less expensive, more transparent financial products. They offer installment loans to consumers at the point of sale, enabling people to take out simple loans and turn any purchase into a few monthly payments. All the pricing through Affirm is adaptive based on data that prices marginal risk in real time and generates a risk score for every transaction, so every aspect of taking out the loan is completely transparent.
    • Segment: infrastructure
    • Demographic: low
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • AirPay
    READ MORE >>
    airpay provides a dynamic payment gateway, enabling businesses to accept credit / debit card transactions across website, wapsite and mobile applications hassle-free. Our PCIDSS Compliant IVR Payment Gateway Solution supports Agent Assisted as well as automated implementation models. These can be seamlessly integrated with your existing ERP / CRM System to support information exchange on a real-time basis. The platform can be deployed under a managed or a hosted services model. Our Net Banking solution allows you to accept payments from one of the most preferred option of the consumers. The rich and personalized user experience, complemented by comprehensive features allows merchants to deliver a consistent user experience and connectivity across multiple banks. Enable your Stores & FOS (Feet on Street) team to collect card payments from the end customer. Our Mobile POS solution adheres to the EMV (Pin & Chip) guidelines advocated by Visa / Master card as well as with the PCIDSS Security Standards.
    • Segment: payments
    • Demographic: multiple
    • Impact on Member Growth: medium
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Alkami
    READ MORE >>
    The practice of alchemy is most commonly known for turning ordinary base metals into precious ones, specifically turning lead into gold. At Alkami, we are focused on changing ordinary online and mobile banking into something of tremendous value for both the financial institution and their customers and members.
    • Segment: member facing technology
    • Demographic: multiple
    • Impact on Member Growth: high
    • Impact on Interest Margin: medium
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: high
    • Expense Reduction: medium
  • American Express
    READ MORE >>
    American Express Global Corporate Payments provides Corporate Card programs & Supplier Payments solutions to help you as you grow your business.
    • Segment: Payments
    • Demographic: low
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • AndroidPay
    READ MORE >>
    Just add your credit, debit, loyalty, and gift cards to Android Pay, and start shopping in stores, in apps, and online. No need to juggle between your phone and wallet at checkout. With Android Pay, you can keep doing what you’re doing on your phone. Just make sure it’s unlocked and hold it to the terminal — you don’t even need to open the app. When you use your phone to pay in stores, Android Pay doesn’t send your actual credit or debit card number with your payment. Instead we use a virtual account number to represent your account info – so your card details stay safe and secure. Android Pay works with major credit and debit cards from most of the top US banks and credit unions.
    • Segment: payments
    • Demographic: Multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • AngelList
    READ MORE >>
    AngelList is a platform for startups to raise money online, recruit and apply to incubators. They connect startups to angel investors whom they would not otherwise be able to find, and facilitate angel investment through features such as the formation of syndicates. AngelList startups connect to angel investors by creating a profile for their business on AngelList which will then show in the feeds of angel investors. Angel investors are also able to form syndicates, whereby they pledge money to mirror the investment backing of prominent angel investors.
    • Segment: investing
    • Demographic: low
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: depends
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Ant Financial
    READ MORE >>
    Ant Financial Services Group ("Ant Financial"), was officially founded in October 2014 and originated from Alipay which is the world's leading third-party payment platform founded in 2004. With its vision of "bringing small and beautiful changes to the world," Ant Financial is dedicated to creating an open ecosystem, enabling financial institutions and partners to make rapid progress towards "Internet+" goals through its "Internet Booster Plan," and providing inclusive financial services to small and micro enterprises and individual consumers. Ant Financial runs Alipay, Ant Fortune, Ant Financial Cloud and other financial services. Ant Financial's invested companies and affiliates also work with these businesses units and support Ant Financial's ecosystem. The services provided by Ant Financial and its affiliates cover payment, wealth management, credit reporting, private bank and cloud computing.
    • Segment: payments
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Blender
    READ MORE >>
    BLender provides a multi-continental, and cross-border, marketplace lending service in countries with limited consumer credit information. BLender was founded in 2013 by a group of physicists and IT professionals with a wide range of backgrounds in algorithms, big data, and virtual intelligence of complex systems. BLender’s lending services comprises of a proprietary credit rating system, Rating™, investment engine DirectMatch™, Safeguard Fund, and a robust secondary market ReBlend™. BLender strives to pioneer the multi-continental and cross-border marketplace lending arena by building a bridge between lenders and borrowers across the globe.
    • Segment: Payments
    • Demographic: low
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Blockchain
    READ MORE >>
    Blockchain is the world’s most popular web-based Bitcoin wallet and the most highly trafficked Bitcoin website. Blockchain is the de facto search engine for the Bitcoin economy. Blockchain has over 2 million wallets and our footprint continues to grow quickly.
    • Segment: Blockchain
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: medium
    • Impact on CU Branch: low
    • Expense Reduction: low
    • CUSO Capable: yes
  • Blockstack.io
    READ MORE >>
    Blockstack.io is an enterprise software company that sells infrastructure for financial services and other enterprises to create blockchain 2.0 applications quickly and easily. The San Francisco-based company has taken the underlying technology of Bitcoin and sells a hosted private sandbox to accelerate application development and prototyping.
    • Segment: Blockchain
    • Demographic: low
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Bluefin Payment Systems
    READ MORE >>
    Bluefin is a leading FinTech company focused on processing, integrating, and securing payments. Bluefin offers P2PE, tokenization, mobile payment SDK’s, payment gateways, merchant accounts, PCI Compliance, transparent redirect, recurring billing, and branded online merchant account enrollment.
    • Segment: Payments
    • Demographic: multiple
    • Impact on Member Growth: low
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low
  • Wave
    READ MORE >>
    Wave delivers innovative financial services and award-winning free software to small- and micro-businesses around the world. By providing access to capital (Lending), improving cash flow (Payments), delivering money to employees (Payroll), helping businesses get paid (Invoicing), preparing for tax time and providing business insights (Accounting, Receipts), Wave covers the spectrum of a small business owner's financial life, and helps businesses grow and thrive.
    • Segment: lending
    • Demographic: small businesses
    • Impact on Member Growth: medium
    • Impact on Interest Margin: low
    • Impact on Non-Interest Income: low
    • Impact on CU Branch: low
    • Expense Reduction: low