Technology That Powers Transformation

Consumers and businesses with international payment needs are leaving community banks and credit unions for providers with better digital products, pricing, and experiences. 3 Degrees helps these organizations launch modern, embedded cross-border payments that improve customer experience and create new revenue.

With the rotation and retirement of advisors, many clients get reassigned and forgotten. AdvisorHelpAI raises awareness and brings these clients back to the surface through AI analysis that verifies when they were last updated, if portfolios are within risk tolerances, as well as an update on their performance.

Lending is slow, manual, and resource-intensive. Aloan replaces fragmented underwriting workflows with AI, enabling faster decisions, improved consistency, and scalable loan processing.

Banks are blind to real-time customer intent and paralyzed by privacy regulations, resulting in millions of dollars in lost digital loan and deposit opportunities. BankUniverse delivers a privacy-first 'intent engine' that identifies high-value prospects and automates conversion, increasing digital sales by 20%+ without sharing sensitive customer PII.

Community banks and credit unions lack integrated earned wage access solutions, forcing customers to third-party apps and limiting institutions' ability to compete on financial wellness. Clockout delivers earned wage access where people trust it most: banks and credit unions.

Banks are trapped by manual workflows, fragmented systems, and teams that can't scale. Covecta's AI agents do the work with seasoned banker intelligence to give teams back their superpowers.

Diaspora communities pay 8.78% average fees for slow, opaque remittances while their $700B in community savings remains entirely cash-based and undigitized. Coynitt is a blockchain-powered remittance and community savings platform built for Canada's immigrant diaspora — sending money home has never been faster or cheaper.

Credit unions are falling behind on AI adoption because general-purpose tools don't fit their regulatory reality, cooperative values, or staff workflows. CUltivate is the AI knowledge platform built for credit unions, by credit unions — combining curated industry content and role-specific tools for every staff function.

Darwinium prevents registration and account abuse, account takeovers, scams, and fraud.

Banks show payments customers can't recognize, driving disputes, chargebacks and friendly fraud, lost trust, and a weak data base for personalization, analytics, and credit. Tapix by Dateio is a transaction intelligence API that turns banks' raw payment data into clear merchant, location and category data, powering engagement, insights, and personalization.

Only big banks can efficiently use and navigate capital markets to manage risk, leaving community institutions exposed and underserved. Delfi Exchange is a transparent marketplace of curated financial instruments for banks and credit unions, guided by AI.

Donevia addresses high application abandonment due to friction, a lack of team accountability tools, and low primary financial institution conversion rates with their member onboarding platform and AI-powered backend performance layer.

Doshi bridges the "Engagement Gap" by turning transactional data into behavioral action, replacing passive content with AI-driven gamification that converts users into qualified leads.

equipifi helps banks and credit unions compete against the largest consumer fintech apps that are displacing financial engagement and revenue on the purchase-to-payment journey.

Finalytics.ai provides personalization for banking.

Fintech risk analysts switch between 6+ vendor dashboards to clear every customer and transaction – producing slow decisions and indefensible audit trails for regulators. FinQub is the first single source of truth for risk decisions at fintechs - replacing disconnected vendor dashboards with one defensible decision graph.

Financial apps track spending after the money is gone. FinZee stops impulse buying in real time, before the purchase, the debt, and the regret.

The world of money is evolving faster than banking infrastructure. Banks need a foundation built for continuous innovation, growth, and new possibilities. Introducing the Power of One: Finzly BankOS, the modern banking operating system where fiat, digital assets, AI, and innovation converge on one platform built for growth.

In a highly crowded financial literacy and teen banking space, GenAspire approaches things differently, through a strategic acquisition approach and "learn by doing" product.

Credit unions lose members to friction-filled account opening and manual onboarding. Glide digitizes the entire journey, boosting conversion, reducing fraud, and driving deposits.

Financial institutions want to use AI but face regulatory, security, and governance barriers that prevent safe deployment of cloud-based or black-box AI solutions. Go Abacus is an on-prem AI platform for financial institutions, delivering private large language models, secure data indexing, and auditable AI assistants built for regulatory environments.

Financial institutions are losing small-business relationships to big banks. Goodbuy bridges that gap—driving small-business account growth, activation, and measurable profit through local commerce.

Financial services struggle to adopt a technology that is evolving and improving so quickly. However, end consumers have adopted the use of AI agents as part of their daily lives. AI incurs hallucinations that impact customers because they can't find accurate data on the internet. MCPs solve that.

Financial institutions struggle balancing security and account holder experience, especially in contact centers and self-service channels. Illuma eliminates the tradeoff with holistic voice security.

Banks struggle to educate customers and train agents on complex digital workflows without exposing sensitive data or overloading contact center teams. Inbenta Learn+ delivers AI-powered interactive demos and product walkthroughs that drive digital adoption, reduce contact center volume, and keep sensitive data protected.

Servicing and collections teams waste hours on repetitive outreach, limiting borrower coverage and leaving meaningful recoveries on the table. Kato helps lenders scale with compliance-first automation, reducing servicing costs up to 80%, increasing recoveries by 1%, and freeing agents to focus on high-value work.

Lenders still manually review messy borrower documents, slowing credit decisions, and excluding underserved borrowers from timely access to capital. Kita is the AI lending operations platform that turns borrower documents into fraud-checked underwriting signals in minutes.

Financial institution staff forget training the moment it ends, creating compliance risk and lost revenue. LemonadeLXP fixes that with continuous AI-powered learning.

Loquat eliminates manual, fragmented business account onboarding—helping financial institutions open, verify, and approve accounts in minutes while staying fully compliant.

Current regulatory tools lack real-time visibility into emerging consumer harm patterns, which delays protective action and increases harm at scale. FSAi by McCarthy Hatch is an AI-powered analytics platform that detects systemic consumer harm patterns in financial services by analyzing customer complaints.

MHC helps organizations modernize customer communications with automated, compliant, omnichannel solutions that reduce risk, eliminate manual processes, and empower teams to deliver better customer experiences.

Tax planning has long been a problem without an obvious solution. There are too many tools that don’t really work and tools that only cover a sliver of the planning needs. Mobena is the first platform that illuminates the entire family’s picture, without silos.

FIs are losing payment volume and customer engagement to third-party wallets while struggling to integrate fragmented rails like FedNow, RTP, ACH, and debit. Neural Payments' Payments Hub connects banks and credit unions to every major U.S. payment rail and wallet through a single, fully branded integration.

Banks struggle to identify which clients need attention and when; Nextvestment turns real client behavior into clear signals that help advisors engage effectively.

Lenders waste marketing dollars on audiences that never qualify or convert, and miss creditworthy consumers that lenders cannot see or have declined in the past using conventional data. And yet they can't access better data without privacy, compliance, and breach risk. Omnisient is a privacy-preserving data collaboration platform that lets FSIs tap into consumer behavior data directly from retailers and consumer brands to find their best future customers without any data ever changing hands, and without exposing anyone's personal information.

On Time Harvest solves the gap between financial visibility, literacy, and lending readiness by helping users forecast cash flow, prevent instability, and make informed decisions.

Community institutions lack context for deposit and loan movement. Household Insights by OptimaFI reveals why balances shift and which segments to prioritize, without IT overhead.

Financial API integrations are slow, complex, and error-prone. AI can help, but its impact is limited because APIs are published for developers, not structured for AI.

Loan payments lose priority to louder financial experiences, leaving lenders to chase borrowers through costly, high-friction collections. Perqia partners with financial institutions to help borrowers prioritize their loan payments.

Pyramid Insights delivers practical, explainable AI solutions that help financial institutions surface insights across fragmented content, reducing business line decision-making from hours to minutes.

Financial institutions struggle with manual, complex dispute and fraud processes. Rising AI-driven fraud and transaction ambiguity are increasing volumes, costs, compliance risk, and operational inefficiency. Quavo’s Aria Decision Engine uses AI and consortium data to deliver real-time dispute insights, enabling faster, more accurate decisions and reduced losses for financial institutions.

The traditional, antiquated model for processing equipment loans is slow, insecure, unnecessarily complex, and expensive. This stifles business borrowers and lenders from meeting new customer expectations.

Financial institutions are on the front line of scams, facing rising operational costs, evolving reimbursement regulation, and eroding digital trust. RangersAI's AI-powered scam resilience platform helps financial institutions empower consumers to avoid scams through real-time guidance, in-context education, and trusted digital interactions.

Manual, fragmented reconciliation across financial systems causes errors, delays, and operational risk, leaving institutions without real-time visibility or control over money movement. Rexi helps financial institutions automate reconciliation and exception management with AI, creating the foundation for autonomous financial operations.

Saris AI addresses fragmented back-office workflows with their Agentic AI solutions.

Financial institutions struggle with complex, outdated procedures that employees can’t use in real time, leading to errors, inconsistency, slow onboarding, and poor customer experiences. ScreenSteps helps financial institutions turn complex procedures into simple, real-time guidance employees can find and follow.

SLC prevents AI-driven fraud through cryptographic proof of possession and proof of presence, verifying the authorized human before high-risk actions are approved.

Automated financial decisions — fraud, credit, trade surveillance — fire in milliseconds against stale, fragmented data, so they miss what the data knew. Context gaps cost millions. Tacnode can help.

Banking is inefficient. Every day there is considerable "stare and compare" and "search and retrieve". Titan AI is reducing efficiency ratios, creating operating leverage, and driving return on equity.

Manual AML investigations take 4–8 hours, produce inconsistent results, and can't scale — leaving financial institutions exposed to regulatory risk and financial crime. Transvision STAR AI is an autonomous AML investigation engine that runs 152 intelligent checks — delivering a complete, auditable investigation in under 5 minutes.

Large financial institutions face two bad options to manage legacy technology: live with long TTM with existing systems, or enter large and risky modernization programs. Tweezr can help.

Independent firms struggle with disconnected tools and daily friction. Workmate by Valcori Automated Solutions unifies teams so they work more efficiently with the transparency required to support scalable growth.

Banks spend billions on personalization that fails. Ventus AI constructs dynamic personas from transaction data to power personalization across the banking stack.

Outbound communications are expensive, generic, and underperforming. AI agents with personalized, two-way outreach cut costs while lifting originations, payments, and customer experience.

Financial institution marketing is often disconnected from strategy. OPTIMIZE aligns growth goals with accelerated execution, eliminating manual campaign planning while keeping marketers in strategic control.

Mortgage retention averages 20%, while leaders like Rocket exceed 60%. Vertyx provides out-of-the-box tools helping lenders retain customers instead of losing them to third parties.

Fragmented, siloed lending systems force institutions to move slowly, make decisions manually, and lose members to competitors who execute at the speed they expect.

Winnow makes compliance easy and affordable with tailored results based on reliable, attorney-reviewed content.

Less than 20% of EU citizens are financially literate — because children have no investing platform, no curriculum, and no way to build money habits before adulthood. YES solves that.