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

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

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

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

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

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

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

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

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

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

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

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

When it comes to the conversation on cryptocurrencies in financial services, the discussion often starts with stablecoins. And with good reason. The stablecoin market today is estimated to be worth $250 billion. Major financial institutions including JPMorgan, Goldman Sachs, and BlackRock have incorporated stablecoins into transactions and settlement operations. Technology giants like Meta, Apple, and Amazon are exploring the use of stablecoins for payouts. And the recently passed GENIUS Act in the US will establish a regulatory framework for these digital assets. But there’s another child of the blockchain that is working its way toward the mainstream and that’s tokenization. Darren Carvalho, Co-Founder and Co-CEO of MetaWealth, in a recent piece for Finextra, described tokenization as: “the process of digitally representing real-world assets, including stocks, bonds, and real estate, on the blockchain in the form of a token.” Why is this a big deal? As Carvalho explained, tokenization promises to bring greater efficiency and inclusion to traditional financial markets. This includes making a wide range of financial assets accessible to a broader range of potential investors thanks to its exceptional ability to enable fractional investments. The deployment of smart contracts that automate compliance processes is another use case for tokenization that has excited advocates of the technology. To discuss all this and more, we caught up with Carvalho’s colleague, fellow MetaWealth Co-Founder and Co-CEO, Amr Adawi (pictured). In this interview, Adawi shared his insights about the growing role of tokenization of real-world assets (RWA) in financial services and how a new generation of companies is helping individual investors leverage tokenization to build their wealth. You recently announced a distribution of more than one million USD in yield income to token holders. Why is this milestone important and what does it say about the outlook for tokenized assets? Amr Adawi: Distributing over $1 million in yield income to MetaWealth token holders is a significant milestone—not only for our platform, but also as a true validation of tokenization as a transformative technology in the real estate industry. MetaWealth demonstrates that tokenization has moved beyond the hype and now delivers real financial outcomes for everyday investors. Essentially, we have met the promise of tokenization: democratizing access to traditionally high-barrier investments. It is also worth highlighting the underlying structure of the yield income distributed to investors. MetaWealth is passing on real rental income generated from the income-producing properties listed on its platform, demonstrating that tokenized assets can deliver both accessibility and returns without having to compromise on compliance, transparency, or limit investor protections.  Let’s step back a bit. What are tokenized assets? Why are they becoming more important? Adawi: We use the term “tokenized assets” to refer to any asset—from real estate and cars to bonds and stocks—that are represented as digital tokens on the blockchain. Each token corresponds to a share of ownership or interest in the underlying asset, enabling secure, transparent, and fractionalized ownership of the asset.  We’re seeing such deep interest in tokenized assets, especially from financial institutions, because of their ability to remove long-standing barriers in traditional finance. Take real estate investing, for example; the industry has been limited by high entry costs, complex legal structures, and illiquidity. Tokenization has completely removed these barriers to entry by lowering the minimum investment, increasing transparency and enabling more flexible trading of assets through digital ownership.  How does MetaWealth fit in? What problem does MetaWealth solve? Adawi: MetaWealth is an investment platform that is purposefully designed to enable global investors to access institutional-grade and income-generating real estate through tokenization.  We partner directly with Europe’s leading property developers, bringing investment opportunities to any retail or corporate investors that were previously reserved for large institutions. Our platform complies with all relevant legislation, recently achieving the EU’s VASP licence and now pursuing MiCa registration. Using our fully-licensed platform, investors can buy into premium properties with as little as $100 and receive yield directly through our platform. MetaWealth’s approach to real estate investment is also advantageous for property developers, opening up their projects to a broader capital base, unlocking new revenue streams and greater liquidity through the power of tokenization.  Who are MetaWealth’s primary customers? How do you reach them? Adawi: Our platform serves both retail investors and institutions, with over 50k investors signed up across 23 countries in Europe and Canada. MetaWealth’s support for fractionalized real estate investments on-chain, and within an investment platform that offers transparent performance reports and adheres to high regulatory standards, is particularly appealing to institutional investors. Investors typically find us through their own research on small-ticket real estate investments, with our direct investment opportunities in properties across Greece, Italy, Spain, and Romania making us stand out from competing platforms.  What in your background gave you the confidence to tackle this challenge? Adawi: I think it’s important to highlight the scale of this challenge; real estate is a $180 trillion market, and has proven resistant to digitization so far. The root of my confidence that we can tackle this challenge is a deep belief that financial inclusion typically wins in the long term; challengers in cross-border payments, stock investments, banking, and more have been able to capture market share. More specifically, I’m confident we can build a reputable, user-friendly and efficient tokenized investment platform due to my years of experience building across both Web2 and Web3 ecosystems. Before co-founding MetaWealth, I spent over eight years working at leading startups and organizations including Wealthsimple, the Chan Zuckerberg Initiative, Drop, and Meta. I also co-founded 1lens, an AR company leveraging computer vision to create immersive, real-world experiences. This career trajectory, and the invaluable knowledge I picked up along the way, allowed me to design and deploy platforms used by millions—platforms that demanded both robust infrastructure and user-first design at scale. All of the above experiences have enabled me to do what I care about the most: solving real problems with technology that expands access and opportunity. It is a simple fact that real estate remains one of the most powerful pathways for wealth creation and yet it is still inaccessible for many. We’re democratizing this key asset class, bringing benefits to every stakeholder in the property value chain in the process. Can you tell us about an implementation or deployment of your technology that you think is especially noteworthy? Adawi: MetaWealth’s most impactful deployment of our technology has to be our real-time yield distribution to global investors who hold tokenized real estate investment on the MetaWealth platform. Surpassing $1 million in distributed yield, directly delivered to users’s wallets via blockchain, validates our entire business model—merging asset-backed performance with digital ownership infrastructure. Further noteworthy implementations include funding developments in Athens, Rome, and other European cities, increasing supply of housing while bringing returns to our users. There’s growing interest in and awareness of stablecoins. Do you think interest in tokenized assets will catch up? What could drive faster embrace of tokenization? Adawi: Stablecoins have seen accelerated adoption because they offer a clear and undeniable utility, serving as a powerful alternative to frictionless money movement. Essentially, stablecoins have proven their worth by being stable, liquid, and solving a global pain point transferring value across borders, unhindered by borders or time constraints.   Conversely, tokenized assets are more complex in nature, although we are already seeing more real-world use cases that deliver measurable returns. The drivers of tokenization adoption will be performance and transparency. When people can buy a tokenized share of a property, receive verified rental income and track ownership on-chain, the technology becomes more concrete.  Although the technology clearly works, better UX, credible regulation, and consistent yield will accelerate tokenized assets’ credibility as an investment vehicle among retail and institutional investors. Moreover, broader education about tokenized assets as well as integrations with mainstream fintech apps and further regulation will bolster investor confidence. What can we expect to hear from MetaWealth in the months to come? Adawi: Following the recent approval of our VASP license early this year, which allows MetaWealth to expand its offerings in the tokenized real estate market, including introducing a compliant secondary market for its real-world assets and real estate tokens, we are now focused on our upcoming MiCAR submission. This will enable MetaWealth to operate with regulatory clarity across the EU, unlocking passporting rights, enhancing trust, and institutional access and many other benefits that will enable us to scale.  Outside of MiCAR, we are continuing to expand our presence across Europe. A majority of our $50+ million in tokenized assets remain under development, with assets in Spain and Italy recently reaching 100% in commitments. Over the months to come, we will list new real estate assets on the MetaWealth platform, spanning a range of European markets.  Photo by Shubham Dhage on Unsplash The post Democratizing Access to Wealth through Tokenization with MetaWealth’s Amr Adawi appeared first on Finovate.       

Global payouts orchestration platform PayQuicker announced that it now offers Same-Day ACH for US payees. The expansion of the company’s real-time payout capabilities will be made available to select users across the firm’s key verticals including the gig economy, affiliate marketing, direct selling, and other industries where fast, secure payments are required. “Timely compensation plays a critical role in driving payee engagement and ultimately business success,” PayQuicker VP of Partners and Relationships Kevin Zeman said. “With Same-Day ACH, we’re equipping our partners with a powerful advantage, enabling them to deliver faster, more reliable payments that drive loyalty, and meet the unique financial needs of payees across the globe.” In its statement, PayQuicker highlighted the value of Same-Day ACH for a wide variety of industries, including clinical trials, where there is a direct correlation between fast and reliable compensation for trial participants and their retention and engagement. According to a report from Linear Clinical Research, participants in clinical trials can be forced to wait up to four business days for bank transfers. Same-Day ACH, in contrast, enables organizations to settle payments for trial participants within the same day, boosting both efficiency and participant satisfaction. Same-Day ACH adds to PayQuicker’s suite of payments solutions, which include instant payments to cards and digital wallets. The company’s single API connects to multiple banks and payment rails, optimizing transactions for speed, cost-effectiveness, or both. The technology supports instant, hourly, and daily payouts, as well as on-demand earned wage access. Available as a white-label offering, PayQuicker’s technology enables payees to leverage branded debit cards, customizable portals, and mobile apps to help ensure that organizations are able to keep their brands top of mind. Founded in 2007 and headquartered in Rochester, New York, PayQuicker made its Finovate debut at FinovateFall 2022. At the conference, the company demonstrated Payouts OS, PayQuicker’s in-market, payouts payment orchestration platform which determines and facilitates the fastest, most cost-effective payment routing across 210+ countries and in 80+ currencies. Earlier this year, PayQuicker announced that it was expanding its instant payout and local currency solution for clinical trials across the UK and EU. The ability to provide real-time digital payouts in local currencies has enabled clinical trial organizations and trial sponsors to quickly and securely compensate trial participants while remaining compliant with local regulations and laws. Thinking about attending FinovateFall next month, September 8 through 10, in New York? Register by Friday, August 29 and take advantage of big savings on the price of your ticket. Photo by Parrish Freeman on Unsplash The post PayQuicker Introduces Same-Day ACH for US Payees appeared first on Finovate.       

Pipe is partnering with Airwallex to expand its global reach, leveraging Airwallex’s infrastructure for same-day and next-day payouts to SMBs in need of fast working capital. Airwallex’s global network supports local collections in 60+ countries and transfers in 21+ countries, which will help Pipe deliver seamless, localized financial services as it scales. Pipe is already live in the UK and Canada with Airwallex, and is preparing to launch in Australia by year’s end. Global trading platform for recurring revenue streams Pipe has selected global commercial payments and financial platform Airwallex to help Pipe grow globally. The partnership enables Pipe to tap into Airwallex’s tools for delivering same-day and next-day payouts to small businesses that rely on accessing working capital quickly. Combining Airwallex’s extensive international coverage with Pipe’s local payment rails will help Pipe scale its platform globally while ensuring its clients enjoy seamless, localized financial experiences. Pipe was founded in 2019 to provide businesses with access to working capital and financial tools. The company helps business owners who want to have the option of launching in multiple markets, saving them the hassle of selecting different partners and infrastructure providers. “Our goal at Pipe is to enable software platforms that are serving SMBs to unlock revenue potential through embedded financial tools—no matter where they operate,” said Pipe CEO Luke Voiles. “With its broad global coverage and deep product capabilities, Airwallex gave us the support to launch in our first international market in weeks, not months. That speed and scale are critical for us as we look to expand our global footprint.” Airwallex provides alternative accounts to help businesses manage their funds, access capital, control their spending, and embed financial services. The company helps businesses collect funds like a local in 60+ countries and make local transfers in 21+ countries. Founded in 2015, the Melbourne, Australia-founded company now processes $200 billion each year. Pipe has already demonstrated momentum in its partnership with Airwallex, launching in the UK in late 2024 and entering Canada earlier this year. The California-based company is set to expand further, with plans to go live in Australia before the end of this year and a vision to enter markets across Europe and Asia Pacific in 2026. “Pipe is bringing innovative embedded financial solutions to global markets with remarkable speed, and we’re proud to help power that momentum,” said Airwallex CRO Kai Wu. “Our global payments infrastructure was built to help leading businesses like Pipe reach new heights, expand access to new markets and verticals, and help them better serve their customers around the world.” Today’s partnership is a testament to the fact that embedded financial services and offering global payments infrastructure are no longer optional but essential, especially for firms that want to scale. For Pipe’s business customers, this could make the difference between competing locally and thriving globally. Photo by haryadi lilik The post Pipe Taps Airwallex to Power Same-Day Payouts appeared first on Finovate.       

Budapest, Hungary-based digital banking solutions company Finshape has completed its acquisition of loyalty platform Realtime-XLS. The acquisition will enhance Finshape’s expertise in customer loyalty with the addition of 60 new specialists, as well as expand the firm’s reach geographically. Finshape made its Finovate debut at FinovateEurope 2023 in London. Digital banking solutions provider Finshape has completed its acquisition of loyalty platform Realtime-XLS. Finshape bought the company from the Collinson Group and it represents Finshape’s first acquisition of a global product company. Terms of the transaction were not disclosed. There’s a lot to like in the move. The acquisition will boost Finshape’s expertise in the field of customer loyalty, giving the company 60 new specialists. The deal will also enable Finshape to extend its geographic reach courtesy of new offices in France and Singapore, and bolster its relationships with major banks in the UAE, Australia, Indonesia, and Singapore. In total, Finshape will consist of nearly 600 professionals supporting millions of end users across 100 banks around the world. “This acquisition is a strategic milestone on our mission to transform the way banks serve their customers by unlocking the full potential of people and technology,” Finshape CEO Petr Koutný said. Integrating the Realtime-XLS solution will give Finshape’s Digital Bank Operating System (DBOS) advanced loyalty capabilities, enabling banks to reward customer behavior, boost customer engagement, and generate additional revenue via cross-sell and up-sell opportunities. This will increase customer lifetime value, help banks secure a larger share of wallet, and make growth more sustainable. “The loyalty solution will now form an integral part of our growing, customer-centric digital banking portfolio,” Koutný added. “Seamlessly integrated into our DBOS platform, it enhances the value we deliver by enabling banks to offer hyper-personalized experiences and build deeper, more meaningful relationships with their customers.” Headquartered in Budapest, Hungary, Finshape won Best of Show for its demo at FinovateEurope 2022. At the event, the company showed how its platform combines digital banking and deep personalization capabilities to help financial institutions boost digital engagement, loyalty, and sales—especially among their micro- and small business customers. The company was formed in 2021 when Czech Banking Software Company (BSC) merged with Hungary’s W.UP (a three-time Finovate Best of Show winner). Jenő Nieder, Deputy CEO at PortfoLion Capital Partners, the majority owner of Finshape that helped finance the merger between BSC and W.UP, praised the transaction as “perfectly aligned with the buy-and-build strategy” conceived when Finshape was founded. “This transaction not only incorporates a new loyalty platform but also adds new capabilities and true global coverage to an already strong company,” Nieder said. Photo by Joseph Sun on Unsplash The post Finshape Acquires Loyalty Platform Realtime-XLS appeared first on Finovate.       

A look at the companies demoing at FinovateFall in New York on September 8 – 10. Register today using this link and save 20%. Conductiv Conductiv helps lenders find more good loans, approve them faster, and grow portfolios safely using AI and permissioned data orchestration. Features Prevents fraud Identifies charge offs before they happen Finds new good loans hidden within existing loan applications Who’s it for? Banks and credit unions that make retail, SMB, and commercial loans. Dimply Dimply is an intuitive AI experience engine for builders in financial services to create, own, and evolve customer experiences, turning any data into personalized experiences, ready to embed instantly. Features Allow teams closest to customers to own the experience Bring APIs in real-time to orchestrate data Deliver personalized journeys inside existing apps and sites Who’s it for? Banks, credit unions, insurers, pension providers, wealth managers, and other financial services providers. ID-Pal ID-Pal’s ID-Detect is an additional layer of verification applied to every submission that accurately detects the most common type of AI document fraud, like synthetic IDs and portrait swaps. Features Confirms presence of physical, real ID vs. deepfake Detects AI-manipulated IDs instantly and removes risk of fraud Delivers seamless onboarding of real users and reduces false-positives Who’s it for? Credit unions, community banks, payment providers, wealth management firms, fund admins, merchant acquirers, and financial service providers. Kaaj AI Kaaj AI agents turn messy small business loan packages into clear, holistic risk assessments in just three minutes, helping lenders close ten times more loans. Features Delivers an end-to-end small business loan assessment in three minutes Provides holistic credit and fraud risk insights with ready-to-review credit memos Offers AI agents for loan officers, sales, and credit teams that unlock ten times more loans Who’s it for? Banks, credit unions, and small business lenders. Payfinia Payfinia’s composable QR payment service, built with Matera, allows FIs to deliver secure, instant QR code payments across FedNow, RTP, ACH, and digital asset platforms. Features Delivers instant, secure bank-to-bank payments via QR codes Works across FedNow, RTP, ACH, or digital assets Ensures safe, real-time transactions with native fraud controls Who’s it for? Credit unions, community banks, digital banking platform providers, and fintechs. Scamnetic Scamnetic offers cutting-edge, globally patented AI solutions that detect, prevent, and stop scams in real time, protecting identities and communications everywhere. Features KnowScam 2.0: Provides real-time scam detection across multiple channels IDEveryone: Delivers instant identity verification to prevent impersonation Enhanced AI: Uses deepfake detection with actionable insights Who’s it for? Banks, credit unions, payment providers, fintechs, SMBs, and individuals. Vertice AI Vertice AI empowers community FIs with predictive analytics that transform data into actionable insights, driving smarter, measurable growth. Features Delivers AI-powered insights for precise customer targeting, boosting acquisition and cross-selling Provides automated, personalized campaigns that maximize engagement Offers scalable, compliant marketing content creation Who’s it for? Credit unions and community banks of all sizes. The post FinovateFall 2025 Sneak Peek Series: Part 7 appeared first on Finovate.      Related StoriesFinovateFall 2025 Sneak Peek Series: Part 6FinovateFall 2025 Sneak Peek Series: Part 5FinovateFall 2025 Sneak Peek Series: Part 4 

Chime is partnering with Workday to integrate Chime Workplace into Workday Wellness, expanding access to financial wellness tools through employers’ existing HR systems. Chime Workplace helps employees manage money, save, and build credit, while giving employers insights into overall financial health and benefit usage. The move positions Chime beyond consumer banking, signaling its push into the employer-driven financial wellness space. Chime announced its latest move to build up Chime Workplace, the financial wellness suite it launched in March of this year. The company has partnered with HR solutions company Workday, becoming a Workday Wellness partner for financial benefits.  Chime will integrate Workday Wellness into Chime Workplace to bring financial wellness into its employee benefits suite. Chime Workplace offers employers a single platform with financial wellness tools and an aggregated view of employee financial health. The platform helps employees manage their money, track their savings, build their credit, and more. Workday was founded in 2005 to provide HR tools as a service to businesses across industries. Today, in addition to offering a wide range of HR tools, the company also offers AI tools such as agents, financial tools such as payroll and financial management, legal tools such as contract intelligence, supply chain management solutions, and more. Under the partnership, organizations using Workday can turn on benefits for their employees using Chime Workplace directly through Workday Wellness in their existing HR systems. Workday’s Workday Wellness solution offers its clients insights into which benefits their employees want and use, helping them to improve their programs and add appropriate new offerings, all in the Chime Workplace dashboard. Chime Workplace will be available via the Employer Benefits Selection Portal for Workday customers.  “Employees today are increasingly looking to their employers for competitive financial wellness benefits,” said Workday General Manager, HCM, Workforce Management and Payroll Cristina Goldt. “Our partnership with Chime makes it easy for Workday customers to provide their workforce with financial wellness tools directly through Workday Wellness. This ultimately helps them manage money, build credit, and save—fostering a more financially confident and resilient workforce.” The integration is Chime’s latest move to differentiate itself as a competitor in the challenger banking field. The company was founded in 2012 and formed Chime Enterprise in 2024 after acquiring employee rewards and loyalty platform Salt Labs. Chime has more than 8.7 million members. By embedding its workplace tools into HR platforms like Workday, the company is positioning itself not just as a consumer bank alternative, but as a partner in the employee benefits ecosystem. This shift may indicate that Chime intends to grow beyond direct-to-consumer banking and capture a larger share of the employer-driven financial wellness market. Photo by Höhenverstellbar Tischgestell Maidesite The post Chime Workplace Integrates Workday Wellness Tools appeared first on Finovate.       

A new partnership between Donor-Advised Fund (DAF) provider Endaoment and philanthropic advisory firm Active Cause will help creatives, athletes, entertainers, and influencers make charitable donations in cash, stock, crypto, and other assets. A DAF works like a charitable investment account, enabling investors to make tax-deductible contributions and to recommend charitable grant outlays from the fund, while the assets grow in value over time. Founded in 2020, Endaoment made its Finovate debut at FinovateSpring 2024 in San Francisco. Robbie Heeger is President and CEO. Next-generation Donor-Advised Fund (DAF) provider Endaoment has teamed up with philanthropic advisory firm Active Cause. The partnership combines Endaoment’s DAF infrastructure with Active Cause’s experience in serving the philanthropic needs of athletes, creatives, entertainers, and other influencers. Active Cause clients will be able to leverage the Endaoment platform to set up their own personalized DAFs where they can make charitable donations in cash, stock, crypto, as well as other assets. “Active Cause is leading a cultural shift in philanthropy by centering creatives, athletes, and entertainers,” Endaoment President and CEO Robbie Heeger said. “We’re proud to provide the technology and infrastructure that allows their members to give seamlessly and confidently, while tracking their impact in real time.” A DAF is a financial vehicle that acts like a charitable investment account. Contributions to DAFs are irrevocable to the sponsoring 501(c)(3) organization, which gains legal control over the funds. And while funds cannot be withdrawn for personal use, contributors—donors—still retain advisory rights over how the funds are invested and ultimately distributed. DAFs provide donors with immediate tax benefits, enabling them to deduct the full amount of the contribution from their tax bill. The invested assets appreciate and grow tax-free over time and donors can recommend grants from the fund to qualified charities as they deem appropriate. The partnership will embed charitable giving options directly into Active Cause’s membership platform, empowering influencers to support the causes that matter most to them. In addition to providing streamlined, simplified philanthropic service and tax advantages for creatives with often high-but-unpredictable income streams, the personal DAFs also offer a degree of privacy to help keep charitable donations out of the headlines. “Our partnership with Endaoment gives members access to a modern platform that makes giving easier, faster, and more transparent,” Active Cause Co-Founder and CEO Yonis said in a video statement posted on LinkedIn. Active Cause has more than 20 athletes, artists, and creators who have launched funds through the company and granted more than $10 million to community organizations as of 2025. The company provides philanthropic strategy and impact monitoring on key metrics like tax savings and fund growth. Working with Active Cause streamlines philanthropic processes, cutting administrative time by up to 50%, and lowering administrative costs to as low as 1.5% for DAFs greater than $10 million. Founded in 2020 and headquartered in San Francisco, California, Endaoment made its Finovate debut at FinovateSpring 2024. Earlier this year, the company launched its Farcaster mini-app that helps users “convert emotional resonance into immediate impact.” The app enables users to find and donate to causes directly within their social feed and to share giving opportunities with those in their network. Donations can be made in USD, USDC, or ETH. Photo by Tara Winstead The post Endaoment Announces Partnership with Active Cause to Help Influencers Give Back appeared first on Finovate.       

FinovateFall is just around the corner (taking place September 8 through 10 in New York), and we can’t wait to welcome fintech leaders, bank executives, investors, and analysts back to our flagship show. With discussion sessions, networking opportunities, and 60+ demos packed into three days, it’s important to have the right tools at your fingertips to help you navigate the event. That’s where the ConnectMe event app comes in. You can think of the app as your personal conference assistant. It gives you everything you need to maximize your time at FinovateFall, starting today and continuing after the event. Plan Ahead With the app, you can browse the full agenda, bookmark the sessions and demos that matter most to you, and build a personalized agenda to manage your on-site schedule. Whether you want to see the latest fintech demo on stage or catch a discussion on open banking, you’ll know exactly where you need to be and when. Connect with the Right People Networking has always been a cornerstone at Finovate, and the app makes it even easier. Use the attendee directory to see who else will be in the room, send messages, and set up meetings in advance. The app features an AI-powered matchmaking feature that highlights the people and companies most relevant to you, making it easy for you to make the high-impact connections you’re looking for. Stay in the Loop From last-minute speaker updates to location details, the app keeps you informed in real-time so you don’t miss a thing. You can also engage in live polls and Q&A during sessions, making the event more interactive and getting your voice heard. Keep the Conversation Going Your FinovateFall experience doesn’t end when the conference does. The app remains open after the event, giving you continued access to contacts, content, and discussions. Whether you missed a meeting or wanted to follow up with a contact you met on the networking floor, the app makes it easy to keep building relationships and follow up on new opportunities. To download the FinovateFall ConnectMe app, keep an eye on your email inbox for a link and a code to get in. Be sure to set up your details within the app ahead of the show in order to hit the ground running. Whether this is your first Finovate or your fifteenth, the app is the best way to ensure you can maximize your event experience. The post Make the Most of FinovateFall with the Event App appeared first on Finovate.