The Fintech Toolkit

Innovative Assessments uses psychometrics to help improve the way the world assesses consumer risk behaviors.

IA’s flagship product is Worthy Credit – a propriety platform for accurately and unbiasedly assessing creditworthiness based on a borrower’s character. Worthy Credit measures a key set of personal competencies that are specifically related to the underlying psychology of consumer debt, and augments traditional credit scores.

Administered to either new applicants or current accounts, Worthy Credit provides an added layer of analytics that helps lenders approve more loan applications and credit increases, reduce defaults and payment delinquencies, and more effectively service current accounts.

Equifax is a global data, analytics, and technology company. We believe knowledge drives progress. We blend unique data, analytics, and technology with a passion for serving customers globally, to create insights that power decisions to move people forward.

Experian unlocks the power of data to create opportunities for consumers, businesses and society.

During life’s big moments – from buying a home or car, to sending a child to college, to growing a business exponentially by connecting it with new customers – we empower consumers and our clients to manage data with confidence so they can maximize every opportunity.

We gather, analyse and process data in ways others can’t. We help individuals take financial control and access financial services, businesses make smarter decision and thrive, lenders lend more responsibly, and organizations prevent identity fraud and crime.

For more than 125 years, we’ve helped consumers and clients prosper, and economies and communities flourish – and we’re not done.

Our 16,000 people in 37 countries believe the possibilities for you, and our world, are growing. We’re investing in new technologies, talented people and innovation so we can help create a better tomorrow.

Headquartered in Silicon Valley, FICO is a leading analytics software company, helping businesses in 80+ countries make better decisions that drive higher levels of growth, profitability and customer satisfaction. The company’s groundbreaking use of Big Data and mathematical algorithms to predict consumer behavior has transformed entire industries.

FICO provides analytics software and tools used across multiple industries to manage risk, fight fraud, build more profitable customer relationships, optimize operations and meet strict government regulations. Many of our products reach industry-wide adoption — such as the FICO® Score, the standard measure of consumer credit risk in the United States. FICO solutions leverage open-source standards and cloud computing to maximize flexibility, speed deployment and reduce costs. The company also helps millions of people manage their personal credit health.

Founded in 1956, FICO introduced analytic solutions such as credit scoring that have made credit more widely available, not just in the United States but around the world. We have pioneered the development and application of critical technologies behind decision management. These include predictive analytics, business rules management and optimization. We use these technologies to help businesses improve the precision, consistency and agility of their complex, high–volume decisions.

Our mission is to help people around the world access the opportunities that lead to a higher quality of life, by helping organizations optimize their risk-based decisions and enabling consumers to understand and manage their personal information.

By understanding our customers’ evolving needs and creating solutions that help them innovate and grow, we simultaneously create our own opportunities to reinvest and thrive.

We are committed to providing the most complete and multidimensional information available, to help our customers make the best possible choices. To achieve this, we partner with banks, healthcare providers, property managers and other appropriate companies. By painting a broader picture for our customers, they can develop and apply extremely sound and effective business strategies. We think it only stands to reason, when you continually build upon good choices, you create solid opportunities time and again.

At TransUnion, we value our customers’ success as much as our own. That’s why we go beyond credit data to offer the insights businesses and consumers need to make informed decisions and achieve great things.

The Morningstar ByAllAccounts service began from the simple realization that there had to be a better way for advisory firms to create consolidated reports than to receive statements in the mail and then manually enter that data.

This platform-independent, open-architecture solution underpins our fully-scaled network, which allows any advisory firm, custodian, broker dealer, wealth manager or platform participant to reap business benefits from it. Our network includes over 2,000 advisory firms, 60 redistribution partners, 50 platform integrations and 16,000 financial institution connections.

The Bancorp, Inc. is dedicated to serving the unique needs of non-bank financial service companies, ranging from entrepreneurial start-ups to those on the Fortune 500. The company’s subsidiary, The Bancorp Bank (Member FDIC, Equal Housing Lender), has been repeatedly recognized in the payments industry as the Top Issuer of Prepaid Cards (US), a top merchant sponsor bank and a top ACH originator.

Specialized lending distinctions include National Preferred SBA Lender, a leading provider of securities-backed lines of credit, and one of the few bank-owned commercial vehicle leasing groups in the nation.

Bankable is a global architect of innovative digital banking solutions providing a secure and scalable middleware platform. Its modular infrastructure enables financial institutions, corporates and fintechs to develop and deploy bespoke or turnkey banking solutions. The Bankable platform is available in white-label or via APIs – and offers real-time payments as well as cross-border payments and virtual account services, e-ledgers, virtual & plastic card programmes, e-wallet.

Bankable’s virtual account management platform is core to the broader payment services that we enable. It provides a full turnkey solution depending on your business needs, via a single multi-channel platform. Bankable connects globally to multiple sponsor banks, processors, card manufacturers and other suppliers in the payments ecosystem, and also provide programme management services – enabling it to deliver an end-to-end solution for corporate and consumer payment programmes.

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

We take care of all the intricacies and regulatory hurdles involved with cross-border payments, giving you the tools to globalize your business.

BankMobile works with large aggregators of consumers (like T-Mobile) to leverage their brands and existing workflows to acquire customers with very little expense. BankMobile’s checking accounts carry fewer fees and partners can customize the experience and brand as their own. They collaborate with their partners to develop their own customer incentives and rewards

We believe the way that you connect with banks to provide financial services to your customers belongs in the 21st century. No one should spend months battling bank bureaucracy and outdated technology and still not have control of their end users’ experience. No one should have to bolt together poorly designed banking APIs from multiple providers to realize their product vision.

Open Platform is a better solution. Built by fintech entrepreneurs for developers, it’s an all-in-one development platform that offers services you can white label.

We’ve reimagined how you access the world’s banking infrastructure so it works for you. Access APIs and the infrastructure of BBVA Compass, a digital leader, while controlling your customer’s experience.

Want to support a variety of payment types through a single, intuitive service? That’s easy. Want help to build a better banking experience? No problem. Need assistance with your Customer Identification Program (CIP)? Just ask. You can mix and match our easy to integrate and simple to use Move Money, Account Origination, Card Issuance and Identity Verification services to fit your needs and brand them as your own.

Our groundbreaking platform allows you to harness the power of a leading US banking franchise so you can focus on what you do best: creating transformative products.

Headquartered in Salt Lake City, Utah, Celtic Bank was named the 6th largest SBA lender in the nation for FY 2015. Celtic Bank is a nationwide lender and leading provider of USDA loans, SBA 7(a) and 504 loans, express loans, asset-based loans, commercial real estate loans, and commercial construction loans.

You can stop chasing down signatures and get documents signed in minutes — not days. With Adobe Sign helping you digitally route and track documents for signing, you give your customers a convenient, modern way to sign electronically that also grows your business.

DocuSign helps organizations connect and automate how they prepare, sign, act on, and manage agreements. As part of the DocuSign Agreement Cloud, DocuSign offers eSignature: the world’s #1 way to sign electronically on practically any device, from almost anywhere, at any time. Today, hundreds of thousands of customers and hundreds of millions of users in over 180 countries use DocuSign to accelerate the process of doing business and simplify people’s lives.

When identity matters, trust Jumio. Jumio’s mission is to make the internet a safer place by protecting the ecosystems of businesses through cutting-edge online identity verification and authentication services that quickly and accurately connect a person’s online and real-world identities. Jumio’s end-to-end identity verification solutions fight fraud, maintain compliance and onboard good customers faster.

Leveraging advanced technology including augmented intelligence, AI, biometrics, machine learning, certified 3D liveness detection and human review, Jumio helps organizations meet regulatory compliance including KYC, AML and GDPR and definitively establish the digital identity of their customers. Jumio has verified more than 160 million identities issued by over 200 countries and territories from real-time web and mobile transactions. Jumio’s solutions are used by leading companies in the financial services, sharing economy, digital currency, retail, travel and online gaming sectors.

Based in Palo Alto, Jumio operates globally with offices in the North America, Latin America, Europe and Asia Pacific and has been the recipient of numerous awards for innovation.

Lightico’s mission is to empower businesses to create streamlined experiences in the last mile of the customer journey, where customers want to get things done, now.

In today’s experience-driven economy, customers expect intuitive and instant business interactions. However, businesses are ill-equipped to deliver such experiences to customers on their cell phones while speaking with them on the phone. The result is frustrated customers, lost sales, higher operational costs, and damaged NPS scores.

Lightico’s next generation platform for digital customer interactions empowers businesses to collect forms, documents, e-signatures, photos, consent to disclosures and to verify ID instantly, even while they have customers on the phone.

By simplifying customer interactions in the last mile of the customer journey, businesses make it easier for their customers to be their customers, earning their trust and loyalty, translating to higher profits.

OneSpan enables financial institutions and other organizations to succeed by making bold advances in their digital transformation. We do this by establishing trust in people’s identities, the devices they use, and the transactions that shape their lives.

We believe that this is the foundation of enhanced business enablement and growth. More than 10,000 customers, including over half of the top 100 global banks, rely on OneSpan solutions to protect their most important relationships and business processes.

From digital onboarding to fraud mitigation to workflow management, OneSpan’s unified, open platform reduces costs, accelerates customer acquisition, and increases customer satisfaction.

Onfido is the new identity standard for the internet.

Our AI-based technology assesses whether a user’s government-issued ID is genuine or fraudulent, and then compares it against their facial biometrics.

That’s how we give companies like Revolut, Zipcar and Bitstamp the assurance they need to onboard customers remotely and securely. Our mission is to create a more open world, where identity is the key to access.

Mastercard Accelerate works with fintechs, giving them access to everything they need to grow. Offering a single entry-point to the company’s wide portfolio of specialized programs, Mastercard Accelerate gives startups and emerging brands support and assistance for every stage of their growth and transformation, from market entry to global expansion.

Accelerate enables fintechs to be onboarded to Mastercard in a matter of weeks. Program participants are connected to Mastercard’s proprietary technology and can leverage its insights and cybersecurity services to engage new customers and reach new markets and segments.

Accelerate is comprised of a range of programs:

• Mastercard Fintech Express – Provides easy access to a customized set of rules, relevant resources and digital-first services designed for fintechs and enable program launch and global expansion.
• Mastercard Engage– Connects fintechs to Mastercard technology partners.
• Mastercard Start Path– Invites later-stage startups to participate in a 6-month program, providing opportunities to scale and secure strategic investments.
• Mastercard Developers– Provides APIs for everything, enabling engineers to access Mastercard payment, security and analytics services.

Through its API, Rapyd offer merchants, gig platforms, challenger wallets, and even traditional banks new mobile-friendly solutions to make payments faster, smarter, accessible, and convenient to all.

Rapyd’s platform can be used by:

e-Commerce retailers, by allowing them to accept local payment methods in every market including cash, local bank accounts, e-Wallets, and debit methods.

Lending firms to instantly disburse loans and collect payments.

Banks and e-Wallets by offering their customers physical access to deposit and withdraw funds at home and internationally.

Transfer providers can enable their customers to send and receive money to any place around the globe.

Visa Partner includes an array of services and resources to help fintechs at all stages work with Visa. The portal includes:

• Fast Digitized Licensing: Companies can apply online for licenses in their markets.
• Comprehensive Partner Directory: Identify and match with partners across the payments ecosystem to help go-to-market. This includes BIN sponsors, issuer processors, Payment Card Industry (PCI) Compliance, among others.
• Helpful “How-to” Content: Educational videos that teach the basics of payments and issuing, including:
  • An overview of payments and card product solutions
  • A summary of the transaction lifecycle and portfolio economics
  • Key steps to launching a payments program

Fintech Fast Track

The program aims to speed up the process of integrating with the firm’s global payment network, VisaNet.

Fast Track enables collaboration between fintech startups and leading companies that provide services across the payments ecosystem. Companies in the Fast Track program include Alloy , BBVA Open Platform, Cross River Bank, Galileo, Green Dot, Marqeta, Netspend, Stripe, TabaPay, TSYS, Q2, and Very Good Security.

The Fast Track program also includes the participation of venture capital firms actively investing in fintech. Visa will work with launch partners like Andreesen Horowitz, Nyca Ventures, Ribbit Capital, and Trinity Ventures to automatically qualify their portfolio companies into the program.

For more information read our interview with Visa’s svp and global head of fintech Terry Angelos.

Visa Direct

Powering companies like Zelle and Venmo, Visa Direct offers real-time payment capabilities over Visa’s global network. Digital payment solutions can use Visa Direct to send funds directly to financial accounts – quickly, simply, and securely. Use cases include P2P, B2C disbursements, B2B, and P2B bill payments. Visa also offer APIs for use with mobile, web, ATM, and in-brand applications.

Adyen is the payments platform of choice for many of the world’s leading companies, providing a modern end-to-end infrastructure connecting directly to Visa, Mastercard, and consumers’​ globally preferred payment methods. Adyen delivers frictionless payments across online, mobile, and in-store channels.

With offices across the world, Adyen serves customers including Facebook, Uber, Spotify, Casper, Bonobos and L’Oreal.

We provide the global commerce tools people need to build businesses, accept payments, and enable commerce for their users. It’s the simplest way to get paid for great ideas — across any device, and through almost any payment method.

Merchants in more than 40 countries worldwide can accept, split, and enable payments in more than 130 currencies using Braintree. And with 7 global locations, 500+ employees, and an infinite passion for payments, we’re here for our merchants — with stellar support, innovative concepts, and simple processes — from their first dollar up past their billionth.

Created by payments experts from First Data, PayPal, and Worldpay, Finix is trusted by companies like Lightspeed POS Inc. and Clubessential to build and scale their payments infrastructure. With Finix, payment facilitator technology integration can be completed in 30 days, and at a fraction of the cost of DIY and third-party options.

Through its Visa partnership, Finix also facilitates real-time push-to-card payments.

Headquartered in San Francisco, with an additional office in Cincinnati, Ohio, Finix is a privately held company funded by Bain Capital Ventures, Homebrew, Insight Partners, Aspect Ventures, Visa, Precursor Ventures, Class 5 Global and Village Capital.

Blend is dedicated to improving consumer lending. The firm partners with banks and lenders to power frictionless, compliant, and more accessible lending— starting with mortgages.

Blend is motivated by the fact that our product won’t just affect the lives of a few people in the Bay Area— it affects people all over America.

LendKey is changing the way financial institutions do business through the market’s most advanced lending platform and network. Hundreds of lenders and asset managers partner with LendKey to bring borrowers a powerful, white-labeled lending platform that has redefined Lending-as-a-Service. The solution gives financial institutions of all sizes the ability to attract new business, grow relationships, manage liquidity, and mitigate risk.

LendKey was founded in 2009, in a difficult market for financial institutions that still needed to compete and grow without adding capital or operational costs. Based in New York and Cincinnati, LendKey is at the center of the lending ecosystem—providing institutional investors, banks, credit unions, affiliates, and borrowers with transparency, access, efficiency, and speed.

The best small business lending experience starts with Mirador. Our platform powers customer acquisition, digital loan application and digitization, intelligent product routing and pre-screening, data management, and borrower communication.

Built exclusively for banks, credit unions and other traditional lenders, Mirador supports all small business loan products including lines of credit, term loans, SBA backed loans, commercial real estate, and collateralized loans for up to $20 million.

TrueAccord is the leader in digital collections. By focusing on great user experiences, TrueAccord provides businesses with superior debt collection results.

Our machine learning platform adapts to consumer behavior with personalized and empathetic communications to deliver the right payment option at the right time and channel.

We work with top financial institutions, enterprise companies and upcoming businesses to recover billions in lost revenue.

OakNorth enables economic growth in communities by redefining lending to small-to-medium sized businesses using its next-generation credit platform.

The platform allows financial institutions to dramatically improve and accelerate their credit decisioning and monitoring capabilities, combining internal and third-party data to create a forward-looking, in-depth view of companies and deliver bespoke solutions that meet clients’ needs.

At Cross River, we’re rethinking banking through API-driven products. Our legacy products combined with our cutting-edge technology is helping to empower millions of consumers.

We partner with a number of leading marketplace lending platforms including Affirm and RocketLoans to help people get access to credit. Our game changing payments products are the rails that Coinbase and TransferWise (to name just a few!) run on.

Cross River strives to set the regulatory and compliance gold standard which is at the heart of everything we do. We are innovators who put our ideas and expertise to work on behalf of our clients so they can lead the FinTech industry forward.

At Cross River, our people are helping to write the future of banking. Our team work and creative collaboration, powered by our inclusive and friendly, family environment are what sets us apart.

Backbase is a fast growing fintech software provider that empowers financial institutions to accelerate their digital transformation and effectively compete in a digital-first world.

Backbase Omni-Channel Banking Platform is a state-of-the-art digital banking software solution that unifies data and functionality from traditional core systems and new fintech players into a seamless digital customer experience.

Backbase gives FIs the speed and flexibility to create and manage seamless customer experiences across any device, and deliver measurable business results.

More than 80 large financials around the world have standardized on the Backbase platform to streamline their digital self-service and online sales operations across all digital touchpoints, including HSBC, ABN AMRO, Lloyds Banking Group,  Barclays, CheBanca!, Credit Suisse, Fidelity, Hapoalim, HDFC, Hiscox, ING, KeyBank, Legal & General, NBAD, OTP, PZU, PostFinance, Societe Generale de Banque au Liban and Westpac.

Industry analysts Gartner, Forrester and Ovum recognize Backbase as an industry leader in terms of omni-channel banking platform capabilities, and award the company high marks for its deep focus on customer experience management and unparalleled speed of implementation. Forrester named Backbase a leader in the Forrester Wave for Omni-Channel Banking.

Avoka, now part of Temenos, creates customer acquisition and onboarding journeys for account opening, lending applications, and business onboarding. In December 2018 Avoka was acquired by Temenos, the banking software company, and the Avoka platform is now part of Temenos Infinity, the Digital Front Office product with more than 300 banking clients worldwide.

Broker Buddha makes it easy for commercial brokers to sell insurance.  By moving applications and renewals online, we help brokers increase retention and close rates while saving time.

Brokers that use our technology are 5x more efficient with clients that are 10x more satisfied.

Flybits was born from recognition that humans are designed to make decisions using a multitude of inputs and sources of information. Our perception is also impacted by our current personal circumstances. Is the area we’re in very noisy, are we running late and stressed about timing, does the person we’re talking to remind us of someone in our past? Instances like this serve to create context that alters the way we process and judge a situation. Context is what leads two people who are experiencing the exact same conditions to come away with different interpretations. Context powers how we see and feel in every moment of every day.

Flybits’ mission is to apply the power of context to the digital world to create experiences that are as individualized as one would find in real life. And while digital is increasingly able to enhance or assist a person in their physical world, Flybits is also able to leverage situational and environmental context to evolve one’s digital experience.

Kony helps organizations of all sizes achieve digital success. Kony is the fastest growing, cloud-based digital application solutions company, and a recognized industry leader among low code, digital, and mobile application development platform providers, and is an emerging leader in the digital banking market.

Kony provides the most innovative and secure omni-channel applications, with exceptional user experience and design, empowering organizations to excel at digital. From delighting consumers and partners to supporting employees, Kony Apps and the Kony AppPlatform give enterprises the efficiency and agility to get ahead and stay ahead, resulting in transformational outcomes.

To keep up with massive computing demands, financial institutions like HSBC are moving their data to Google Cloud Platform (GCP). GCP runs on the same infrastructure and private fiber network that power Google, giving you the scale you need to run training algorithms, portfolio analysis, and risk modeling at the speed of your business. Whether you are doing quantitative research, risk simulations, or stress testing, you can spin up workloads faster than you can on other clouds, including clusters with a few hundred (or thousand) cores in minutes. Scale up when you need, and then only pay for the compute seconds you use.

Google Cloud solutions are easily adaptable for multi-cloud or hybrid environments.

Launched in 2006, Amazon Web Services (AWS) began exposing key infrastructure services to businesses in the form of web services — now widely known as cloud computing. The ultimate benefit of cloud computing, and AWS, is the ability to leverage a new business model and turn capital infrastructure expenses into variable costs. Businesses no longer need to plan and procure servers and other IT resources weeks or months in advance. Using AWS, businesses can take advantage of Amazon’s expertise and economies of scale to access resources when their business needs them, delivering results faster and at a lower cost.

Today, Amazon Web Services provides a highly reliable, scalable, low-cost infrastructure platform in the cloud that powers hundreds of thousands of businesses in 190 countries around the world. With data center locations in the U.S., Europe, Singapore, and Japan, customers across all industries are taking advantage of our low cost, elastic, open and flexible, secure platform.

Azure is an ever-expanding set of cloud computing services to help your organization meet its business challenges. With Azure, your business or organization has the freedom to build, manage, and deploy applications on a massive, global network using your preferred tools and frameworks.

The Finovate Group is a research and events firm focused on innovation in financial and banking technology. Our team runs the Finovate and FinDEVr conference series and authors the associated blogs.

In 2007, Finovate launched its first event in New York and expanded to San Francisco in 2008, London in 2010, Singapore in 2012 and the fintech developer community in 2014 with the new conference series, FinDEVr, with events in Silicon Valley and New York.

LendIt Fintech is the World’s Leading Event in Financial Services Innovation.

LendIt Fintech hosts three conferences per year in the USA, Europe, and China. These events bring together every major fintech, blockchain, lending and digital banking companies from around the world. Professionals in the financial services industry come to learn, network and do business.

Money20/20 organizes the largest global events enabling payments and financial services innovation for connected commerce at the intersection of mobile, retail, marketing services, data and technology.

Money20/20 Asia – March 19th – 21st, 2019 / SINGAPORE
Our inaugural Money20/20 Asia event brought together senior representatives from across the ecosystem – from the mighty markets of China and India, global financial hubs of Hong Kong and Singapore, innovation centers of Japan, South Korea and Australia and emergent Fintech markets such as Indonesia, Malaysia, Bangladesh, the Philippines and more to connect and create the future of money.

Money20/20 Europe – June 3rd – 5th, 2019 / AMSTERDAM
In June 2019, Europe’s biggest FinTech event is back in Amsterdam. Everyone is here, every time, coming together to explore unique regional insight and trailblazing enterprise, seizing the opportunity to meet the person or land the deal that will change the trajectory of their business.

Money20/20 USA – October 27th – 30th, 2019 / LAS VEGAS
In just seven years, Money20/20 USA has fundamentally disrupted the status quo and established an entirely new and groundbreaking scale and standard for industry events. With 11,500+ attendees, including more than 2,100 C-suite executives from over 3,400 companies and 100 countries, at our 2017 USA event, Money20/20 is critical to realizing the vision of disruptive ways in which consumers and businesses manage, spend and borrow money.

Working together with our partners and clients, Geezeo’s platform delivers enriched digital banking experiences. By processing, storing and augmenting billions of transactions, Geezeo plays a significant role as a critical data partner. Financial institutions benefit from Geezeo’s proven insights that enhance the overall customer experience. More than 500 financial institutions leverage the Geezeo platform.

Geezeo’s ability to integrate within a financial institution’s online and mobile banking environment is widely acclaimed, as it can integrate seamlessly, always allowing the host FI the ability to own their PFM brand.

Geezeo’s primary focus is to provide technology solutions that enable our clients and their partners to activate and engage target audiences with enriched data. This translates to a richer experience and the financial institution getting actionable data.

The worlds of finance, marketing, and technology continuing to meld, thus creating numerous exciting opportunities for financial organizations. Geezeo sits comfortably at the intersection of these opportunities, by providing digital banking experience, creativity, marketing and technological expertise.

At Moven, we want to change the way consumers think about their money. While in the US we are a neobank driving constant innovation, our enterprise business, Moven Enterprise, focuses on enabling banks to leverage the Moven platform to acquire, engage, and grow a thriving customer base.

Our innovative, modular platform translates customer data into information and tools they can use to interpret their spending and financial position, with individualized experiences that motivate consumers to take action and make changes toward healthy financial wellness. Moven has over 2 million customers on the platform.

STRANDS serves more than 600 bank implementations with over 100 million customers in 36 countries.

The company was founded in 2004 in Oregon (US) and Barcelona (Spain), initially developing personalization and recommendation solutions for the music industry. Apple acquired these early solutions together with a portfolio of 32 patents, allowing the company to focus its innovation efforts on the research and development of financial technologies.

STRANDS is a FinTech pioneer, with the award-winning solution for Personal Financial Management (PFM), launched in 2008 in the United States and Europe. STRANDS Finance Suite today includes a portfolio of products that share a common foundation based on Big Data Processing, Artificial Intelligence, Machine Learning, Open API, and best-in-class Customer Experience.

Our mission is to enable banks and merchants to anticipate customer needs and proactively suggest next-best-actions to increase long-term value for customers. Our vision is to empower people to better manage their life, consuming and taking decisions in a smarter, transparent and independent way.

Amazon Connect is a self-service, cloud-based contact center service that makes it easy for any business to deliver better customer service at lower cost.

Amazon Connect is based on the same contact center technology used by Amazon customer service associates around the world to power millions of customer conversations.

The self-service graphical interface in Amazon Connect makes it easy for non-technical users to design contact flows, manage agents, and track performance metrics – no specialized skills required. There are no up-front payments or long-term commitments and no infrastructure to manage with Amazon Connect; customers pay by the minute for Amazon Connect usage plus any associated telephony services.

Ubiquity Global Services is a multinational outsourcing organization headquartered in New York City. Its expanding network includes service delivery locations in the United States, El Salvador, Portugal and the Philippines.

Founded in 2012, Ubiquity offers innovative customer experience management solutions designed to improve user satisfaction while reducing total servicing costs. Our solutions include live customer support services, interactive voice response solutions (IVR), risk management services, member and provider managed healthcare solutioning and a variety of physical correspondence services.

Ubiquity has developed a next-generation technology platform that powers processes engineered for operational excellence while delivering our clients meaningful and actionable business intelligence. Together with our clients, Ubiquity is pioneering a new approach for maximizing the potential of every customer contact.

Ayasdi is a SymphonyAI portfolio company.

Ayasdi is the leader in the design, development, and deployment of enterprise-grade intelligent applications. These applications combine state-of-the-art unsupervised learning, superior prediction, industry-leading explainability (called justification) and intuitive, context-specific user-experiences.

Flagship applications include Intelligent Segmentation and its sister application Change in Behavior analytics for financial crimes, Clinical Variation Management for healthcare and Program Performance for the government sector.

These applications are responsible for many of the operational deployments of artificial intelligence including HSBC, Reliance Jio, Standard Chartered, Intermountain, Flagler, Intessa Sao Paulo and others.

Developed by Stanford computational mathematicians, Ayasdi’s approach
combines machine learning algorithms, abundant compute power and topological summaries to revolutionize the process for converting data into actionable business value.