Metro Bank will waive overdraft interest on a temporary basis
  • From 1 March to 30 June 2020, personal current account customers will not be charged any interest for using their overdraft.

  • This will happen automatically and customers do not need to contact us.

Kat Robinson, Director of Bank Accounts at Metro Bank, comments: “We’re mindful of the uncertainty caused by coronavirus and are committed to supporting our customers whose personal finances may be impacted at such a challenging time. We will therefore waive all overdraft interest due from the beginning of March until the end of June for personal current account customers. We hope that this will provide some flexibility for our customers as we all adjust to the unprecedented circumstances we find ourselves in.”

Dwolla names Harris as new CEO

Dwolla names Harris as new CEO

Dwolla CEO Brady Harris.

Dwolla, a fintech that specializes in ACH payments for businesses, has named Brady Harris as new CEO, succeeding Ben Milne, the company founder who stepped down as CEO earlier this year. 

Harris has almost 20 years of experience in the payments and fintech space, including working as president of Payscape and president and CEO of Elliott Management Group.

“Dwolla is built on a powder keg of opportunity that is still largely untapped,” Milne said in a press release. “With his extensive background and innumerable successes in the payments industry, Brady is the right person to lead the industry into the next era of programmable payments.”

Dwolla supports more than $10 billion in gross payment volume. During the fourth quarter the company said it onboarded more than one million end users. 

“As a pioneer of programmable payments, Dwolla has been on the bleeding edge of the ever changing payments landscape,” Harris said in the release. “With an incredible team, best-in-class platform and groundbreaking vision, Dwolla is positioned to grow dramatically in the coming years.”

Cover image: Dwolla

Topics: Mobile Payments, Online Purchasing, Transaction Processing

Companies: Dwolla

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A Buoyant Digital coin at a tender age – Ndau


Efi Pylarinou is the founder of Efi Pylarinou Advisory and a Fintech/Blockchain influencer – No.3 influencer in the finance sector by Refinitiv Global Social Media 2019.

The Ndau (XND) is a stateless Buoyant digital currency with a built-in design to act as a store of value, is less known as it is not conducive to pump and dump. It was launched 2 yrs ago out of  the Cayman Islands.

It is more actively traded on BitMart exchange with a presence in New York, China, Hong Kong, and Seoul. According to Cointelligence, BitMart is included in the top 20 exchanges by volume.

Programmable money, like Bitcoin, are available in the market even though the verdict is still out there as to which of the existing cryptocurrencies (if any) qualifies for a digital means of payment, or a digital store of value, or a digital unit of account. Bitcoin is clearly a living proof of an autonomous organization, with no CEO, no CFO, and no board. It went live with a fixed supply and a fixed predetermined monetary policy. The developer and user community has had several disagreements about the direction that the network should take which has resulted in forking the Bitcoin source code.

The fact remains (with its pros and cons) that the fixed supply of 21million Bitcoins cannot be tampered with. The programmed monetary policy allows for new bitcoins to be created only through mining at a fixed rate. This rate is fixed but it decreases as new bitcoins come into circulation and we approach the 21 million supply ceiling. There are proponents and critics to this kind of rigid monetary policy as it has not been tested in economic downturns, in which a flexible monetary policy can have benefits. It definitely sits on the other end of the spectrum from the Quantitative Easing (QE) that Central banks in the Western world have been engaging in after the 2008 Global financial crisis and the 2020 COVID19 induced economic crisis. Devaluation of currencies is a big thorn that is yet another reason that we have been soul searching technological solutions for better stores of value. Data from the Official Data organization and several other sources shows that the purchasing power of the almighty US dollar has been dropping precipitously.

Screen Shot 2020-03-29 at 21.46.25

Soul searching for programmable money that is enabled by blockchain technology that can mitigate this frightful drop in purchasing power of even the No.1 reserve currency, is only natural. Can we create a rather autonomous store of value with a tamper-proof and effective monetary policy? The market has not yet decided whether Bitcoin which is stateless and not backed by any real asset, is our Digital Gold alternative. During the recent downturn, Bitcoin and Physical Gold, similar to several traditional financial assets, have not behaved as expected.

One example of a better potential Digital Gold alternative, is the blockchain-enabled solution of a stateless Buoyant digital currency, the Ndau.  The Ndau (XND) was launched in September of 2018.  Its design is to act as a long term store of value and therefore rewards token holders the longer they hold it. Ndau token holders earn Economic Alignment Incentives (EAI) ranging from 4% to 15% based on the number of months of their holdings.

Screen Shot 2020-03-29 at 21.57.15

The total supply of Ndau tokens is fixed to 30million and there is a programmed market intervention to maintain price stability every time the price moves more than 5%. The supply of Ndau is increased only when demand increases based on a predetermined price curve.

Ndau is the intellectual child of the Ndau Collective. An anonymous group of early Bitcoin enthusiasts more than 20 leading experts from world-class institutions including MIT, Columbia University, Carnegie Mellon, New York University, University of Chicago, and Goldman Sachs and who specialize in disciplines ranging from economics and monetary policy to cryptography and computer science.


Dictionary definition = able to keep afloat or rise to the top of a liquid or gas.

In virtual currency terms, it means a currency whose value rises and whose downside volatility is mitigated.

Ndau – The name comes from en-dow (endowment).

The proceeds from the sale of Ndau tokens are kept in an endowment and invested in other asset classes. The purpose of the endowment is to serve as a source of liquidity to support ndau’s price. The investment decisions are taken by the Blockchain Policy Council (BPC), a group of nine digital delegates continuously elected by ndau holders. The tokens are native the Ndau blockchain which uses a proof of stake consensus mechanism.

The corporate entities behind Ndau are Oneiro, which is backed by COSIMO Ventures. Oneiro received a seed round of $3mil initially and in October 2019, another $5million. At launch, Oneiro sold $15million worth of Ndau Tokens (which means a bit less than 1million tokens). The recent economic downturn seems to have found Ndau at a fragile point on its journey of adoption and therefore was not able to live up to its design.

At issuance, Oneiro placed Ndau tokens at a price of $17.26 during a private sale. The price remained stable for a long time (about one year) and then started rising. By early 2020, it had actually risen close to $22 (27% increase). By mid-February 2020, it seems that the price stabilizing mechanism of the endowment couldn’t cope with the tsunami of liquidation that hit all assets indiscriminately.

Screen Shot 2020-03-29 at 22.47.46

This indicates that the endowment was too small to cope with the severe changes in demand. According to their website the total tokens in circulation had grown to 4.3million and the price had dropped to $6.97.

Stay tuned and monitor the development of Ndau. We need at least a one-year history in such market conditions to be able to make any meaningful conclusions.

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HMBradley officially launches digital bank

HMBradley officially launches digital bank

HMBradley, a startup backed by PayPal Co-Founder Max Levchin, has officially launched its high yield digital banking platform after raising $3.5 million in November and signing thousands of applicants to a wait list. 

The digital banking service, which offers up to 3% APY, is now allowing waitlisted customers to officially open their bank accounts and has launched a savings program called Plans, which helps account holders set aside funds for specific goals. 

“We are excited to open our virtual doors and welcome people from all income brackets as we introduce a new way to bank,” Zach Bruhnke, co-founder and CEO of HMBradley, said in a press release. “We want to empower and protect every consumer financially to show them that a bank can be on their side, regardless of how much money they make.”

HMBradley offers FDIC-insured accounts through Hatch Bank, a California-based digital bank and subsidiary of Firstrust Bank. HMBradley provides customers fee-free access to 55,000 ATMs nationwide, mobile check deposit and 24/7 customer service support. 

HMBradley will soon launch a feature called one-click credit, which provides pre-qualified credit offers to customers, giving them full disclosure of terms and the ability to accept the offer with a single click.

Cover image: HMBradley

Topics: ATMs, Mobile Banking

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Ocrolus’ Nicole Newlin On Digitization, Visualization, and the Age of Partnerships

One of the clearest messages from our conversations with fintech analysts and observers this year has been the importance of RegTech. Whether the challenge is financial inclusion, open banking, or simply making ever-more complex business processes less cumbersome, less error-prone, and less expensive, RegTech is increasingly seen as a critical component of financial technology.

We caught up with Nicole Newlin, VP of Solutions for Ocrolus, to talk about how the company leverages artificial intelligence to automate critical business tasks like underwriting for lenders. Via a combination of patttern recognition, crowdsourced data verification, and fraud detection, Ocrolus’ technology brings both transparent analysis and rigorous documentation to the credit decisioning process.

We also thought this would be a great opportunity to revisit and wrap up our celebration of Women’s History Month. To this end, we asked Ms. Newlin about her work with NYC Fintech Women, as well as her thoughts on how women are faring in the world of fintech and financial services.

Finovate: I would be remiss not to ask how Ocrolus is coping with the current global crisis with regard to the COVID-19 outbreak. How has this affected the company and the work it does?

VP of Solutions for Ocrolus Nicole Newlin

Nicole Newlin: The COVID-19 outbreak has caused companies around the world to change the way that they do business, and prepare for the long-term. Planning for the unpredictable is an oxymoron, but we’re certainly seeing the difference between companies built for scalability – those able to flex up/down with demand – and those with a less agile workforce.  In volatile times like these, scalability is key to success.

We see digitization and virtualization particularly impacting the financial markets that Ocrolus serves. If we zoom in on the state of lending, it’s a historically low rate, quarantined world, with more than 3,000 borrowers per day seeking mortgages and refinancing online. In parallel, many lenders are more bandwidth-constrained than ever, creating a gap between rising demand and lenders’ ability to meet that demand.

A key factor in lender scalability is the elimination of data entry bottlenecks. Our customers don’t have underwriters keying in borrower information or performing “stare and compare” analysis of income, asset and identification documents. Instead, they are using document digitization services and data aggregators to provide underwriters with actionable data. Replacing manual data entry and review with API-called data connectivity enables our customers to accommodate fluctuating loan volume on-call rather than scrambling to add, subtract, or redeploy human resources.

For these reasons, our customers are better able to flex up/down with the markets.

We’re also seeing new customers expedite their Ocrolus integrations to lessen the gap between demand and their ability to meet demand without needing to bring on additional resources.

Finovate: And if I may ask, how has it affected you as a professional? Have you had to make dramatic changes to the way you work, or the way you work with your team?

Newlin: Moving to a fully remote workforce is a new muscle for most of us. Fortunately, Ocrolus has always embraced a flexible work from home policy, so our team is able to adapt to working remotely with relative ease.

That said, without the built-in face time of being in an office, communication is critical, so we’re relying heavily on Slack and Zoom video calls to ensure ongoing communication. We’re also spending more time clarifying objectives and expectations so that we can continue to work towards our shared goals remotely.

To maintain culture and morale, we’re experimenting with virtual events. Our first-ever Virtual Happy Hour was a big hit!

Finovate: Ocrolus finished 2019 with the introduction of a new extension to its platform. Ocrolus+, which offers advanced document-based data extraction. Can you tell us a little bit about this feature, perhaps by way of introducing the company to our readers?

Newlin: While Ocrolus transforms documents into actionable data with over 99% accuracy, Ocrolus+ is an advanced version of our fintech infrastructure platform for capturing financial information, validating the veracity of data, and performing cash flow analytics. Ocrolus+ is the first turnkey solution for ingesting documents and digital data streams through a single API. The platform enables lenders to corroborate data retrieved from submitted documents with source data from financial institutions through a partnership with Plaid. Moreover, our partnership with SentiLink enhances our fraud capabilities by enabling us to detect use of synthetic identities.

Finovate: What markets does Ocrolus serve primarily?

Newlin: Ocrolus primarily serves a broad array of lending businesses – including small business lenders, consumer lenders, and mortgage lenders – with some analyzing different sets of documents based on application requirements. Regardless of asset class, Ocrolus has become a critical part of the modern lending infrastructure.

Finovate: Ocrolus interestingly has partnered with a number of other Finovate alums like Plaid and BlueVine in recent years. In fact, you spent some time at Plaid/Quovo, if I read correctly. Why are partnerships important in your industry? What makes for a productive relationship between fintechs?

Newlin: We are in an age of partnerships and collaboration. With technology and market conditions changing  at such a fast pace, it’s virtually impossible to build everything internally. Competition is growing, and we’ve seen tech behemoths like Google, Amazon, and Apple making moves to break into financial services. Partnerships are key to staying ahead in a competitive market. By partnering with best of breed companies, you can save resources, accelerate time to market, and hijack otherwise steep learning curves. However, it’s important to note that partnerships must be aligned with the company’s strategy and values. And they should benefit both organizations in order to ensure long-term alignment.

Ocrolus Co-founder and CEO Sam Bobley and Director of Business Development Kevin Bailey demonstrating PerfectAudit at FinovateFall 2018.

Finovate: You came to Ocrolus after being a founder and president of a fintech/financial services consultancy. What drew you to Ocrolus? And now that you’re here, can you tell us a little about the work you do for the company as VP of Solutions?

Newlin: I was introduced to Ocrolus via a few current board members that had also supported my previous employer, Quovo (acquired by Plaid). Once I met with the leadership team and learned more about what Ocrolus offered, I was intrigued. The opportunity to work at a company that could cross many verticals with its offering was interesting to me, because that spoke to the flexibility and endless possibilities of staying nimble and being relevant. Of course, that has been proven out even faster than expected with COVID-19 as we see new opportunities in a challenging environment!

When I joined Ocrolus, my primary focus was to build out a strong Solutions team that would support all sales activities via sales engineering/implementation, which includes all aspects of client onboarding and API integrations. As I’ve built out the team and developed those functions, we also work closely with our Product/Operations team in piloting new verticals/services. Lastly, a big focus today is ensuring we promote strong client relationships via our account management and client success teams. In a nutshell, our team is the client-facing division of our firm in the entire customer lifecycle.

Finovate: You’ve recently joined the NYC Fintech Women’s Leadership team. Can you tell us about the organization and its goals? How did you come to the decision to work with them?

Newlin: NYC Fintech Women is a community of women fintech executives, founders, and engineers, who are opening the doors of Wall Street by facilitating access to education, community, and coaching. I want to contribute by supporting and mentoring these women. Additionally, given my path into fintech and the number of talented women transitioning from traditional firms, I feel a strong sense of duty to support their efforts.

Finovate: What are the two or three steps that would do the most good to promote women’s leadership in fintech and financial services in general? And what are the greatest challenges or obstacles to pursuing these steps?

Newlin: I think women have a hard time breaking into financial services because there have never been that many in the space. The reality is that there are still fewer women in tech positions, senior positions, on boards, etc. There isn’t a magic button to press for greater equality – we have to take the initiative to create diversity in the industry.

One of my favorite quotes is, “Ability is of little account without opportunity,” by Lucille Ball. In that spirit, here are three things we can do to promote women’s leadership in financial services:

  1. We must give women the chance to succeed. I look to leadership in all companies of all types to consider how they are offering opportunity across a wide and diverse employee and candidate pool. Look at your organization and consider who is the next to move forward in their career and how leadership must mentor their employees. Don’t let great team members slip away because they see no career path.
  2. Consider how diversity in hiring grows market share, promotes creativity and stimulates fresh ideas.
  3. Finally, think strategically about how you are building teams and providing thoughtful professional development.

Ocrolus was founded in 2014 and is headquartered in New York City. The company demonstrated its PerfectAudit technology at FinovateFall in 2018. Sam Bobley is CEO and co-founder. With more than $33 million in funding, Ocrolus includes Oak HC/FT, Laconia, and Bullpen Capital among its investors.

CRIF to Acquire Strands

Credit management solutions provider CRIF has agreed to acquire PFM company Strands for an undisclosed amount. The deal will be finalized “in the coming weeks.”

The union will bring Strands’ personal financial management and business financial management solutions to CRIF’s client base that includes 6,300 banks, 55,000 businesses, and 310,000 consumers across 50 countries.

Strands’ technology will complement CRIF’s customer acquisition, portfolio management, and credit collection tools that help forecast market developments, improve business performance, reduce credit risks, and prevent fraud.

According to CRIF chairman Carlo Gherardi, the acquisition will “allow CRIF to create a worldwide digital solutions provider for open banking.” He added, “Through this deal, CRIF will combine its market knowledge and expertise with an innovative and well-positioned fintech player, creating synergies that will help our global clients to keep on growing and innovating through their digital transformation journey.”

For its part, Strands brings to the table 700 bank clients serving 100 million end customers. Strands CEO Erik Brieva said that the deal will help fuel Strands’ mission “to enable banks to anticipate customer needs and proactively suggest next-best-actions.”

Strands was founded in 2004 and has since raised more than $55 million in two rounds of funding. The company has offices in Barcelona, Spain; Buenos Aires, Argentina; Kuala Lumpur, Malaysia; and at its headquarters location in Miami, Florida. Strands’ most recent appearance on the Finovate stage was last year, where it demonstrated a cash flow solution for small businesses alongside Mastercard.

With more than 5,000 employees, CRIF is headquartered in Italy and was founded in 1988. Today’s deal is the company’s seventh acquisition, following its purchase of Vision-Net in 2018. CRIF demonstrated its Credit Framework solution at FinovateEurope 2014.

Ally Invest trade volume spikes 300% with market volatility

As the coronavirus pandemic continues to rock the U.S. economy, the volume of trade on the Ally Invest platform has skyrocketed 300% year over year in March to record levels, Senior Director Frank Lietke told Bank Innovation. Ally Invest, the brokerage arm of Ally Financial, is a web-based wealth management platform that offers two services: …Read More

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NJ-based Provident Bank upgrades digital channels amid pandemic

For one community bank in New Jersey, its digital overhaul came at a crucial time, and Provident Bank has been pushing its digital capabilities to customers during the novel coronavirus pandemic since revamping its online banking earlier this month. “Our message to our clients is that we have the digital capabilities that are world class,” …Read More

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Nymbus automates COVID-19 payroll relief for banks to small business

Nymbus automates COVID-19 payroll relief for banks to small business

Nymbus will help financial institutions process paycheck protection loans from the U.S. Small Business Administration, which will allow companies to maintain payroll amid the COVID-19 pandemic. 

The Cares Act, which was approved by Congress and signed last Friday, provides more than $2 trillion in aid, including billions in loan support to allow small businesses of less than 500 employees maintain payroll with federally-backed loans. The loan can be forgiven and converted to a grant if the company keeps all workers on the payroll. 

The Nymbus Smart Lenders Program can be used to digitize the entire process through participating financial institutions. The Nymbus program automates the entire application process through a portal that links the banks and their small business customers. 

“In this unprecedented time we are seeking out ways to support one another,” David Mitchell, president of Nymbus, said, in a press release. “We have the digital tools and full remote processing services already in place to handle the urgency of placing these vital federal funds in the hands of small business owners.”

Cover image: Nymbus

Topics: ATM & Mobile Banking, Bank / Credit Union, Digital Banking, Payments, Regulatory Issues

Companies: NYMBUS

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Sony Bank launches English-language mobile app for foreign residents

Sony Bank launches English-language mobile app for foreign residents

Sony Bank Inc. has launched an English-language version of its online banking service, aimed at providing foreign residents in Japan a hassle free way to conduct everyday financial transactions, according to a press  release. 

The service allows customers to deposit foreign currency and Japanese yen, money transfers involving foreign currency and offers customers a Sony Bank WALLET, which is a debit card that pays cash back for purchases in Japan, allows at least four fee-free ATM withdrawals per month and has tap-to-pay functionality. 

More than 2.82 million foreign residents lived in Japan as of June 2019, an increase of 7.3% from the prior year, the company said in the release, citing data from Japanese government figures. 

Sony Bank cited data from its own survey of foreign residents showing 60% were dissatisfied with regular banking procedures in Japan, including complicated paperwork, hanko procedures (a personal seal that is used to confirm identity) and a lack of language support. 

The bank also noted the research showed that foreign residents wanted access to an online service where they could get an account without having to go to the branch in person to conduct business. The new service uses OCR technology for rapid onboarding of new account holders.

Cover image: Sony Bank

Topics: ATMs, Mobile Banking, Region: APAC

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Temenos Offers Customers Free Access to its Digital Learning Platform During the COVID-19 Crisis

Temenos offers free access to its customers to Temenos Learning Community Online, with over 400 learning courses, and sandbox environments

 Temenos , the banking software company, today announced a free digital learning initiative, opening access to the Temenos Learning Community Online, its cloud-based digital learning platform, to help its customers make best use of Temenos software as they respond to the challenges posed by the coronavirus pandemic.

Temenos is aiming to ensure clients can derive full benefit from Temenos software products during this time
of disruption and make a real difference to their own customers. Temenos clients can use TLC Online training courses to broaden their teams’ expertise in Temenos systems. With many employees expected to work remotely and finding themselves with more available time on their hands; TLC Online courses can be used to learn how to make better use of Temenos’ software-rich functionality, as well as broaden awareness and understanding of Temenos capabilities across the enterprise.

Temenos is offering free access to its customers to over 400 courses, for all Temenos software products
ranging from digital to core banking, to financial crime and advanced analytics. Temenos is also opening up
access to sandbox environments that allow teams to experience and test the latest technology innovations
from their own homes.

Max Chuard, Chief Executive, Officer, Temenos, said: “The COVID-19 pandemic is posing serious challenges and affecting all of us. As always, our first priority at Temenos is to support our employees, customers, and communities around the world. We also want to put our technology to best use. As one of several measures to help clients, we are opening access to Temenos Learning Community Online, our cloud- based digital learning platform, so all Temenos customers can access it for free. We remain committed to standing as the technology partner for banks worldwide and working together in the days and years ahead.”
The TLC Online offer can be accessed here. The offer is valid for Temenos customers until 30 of June and the duration of the access is 8 weeks.

TLC Online is a cloud-based, individual annual subscription service, which delivers easy access to digital
training materials covering Temenos products and technologies from any location. Members of TLC Online
can gain official Temenos certifications, connect with other members and share knowledge within the online community.

Four in 10 UK businesses abandon banking services applications over slow due diligence processes

 38 per cent of UK businesses have deliberately abandoned an application for banking services in the last year due to ‘slow due diligence processes’, according to new research from Encompass Corporation, the Know Your Customer and regulatory technology (RegTech) specialist. 

The survey, which polled 200 business decision-makers in large and medium sized businesses, was conducted between Wednesday 18th March and Thursday 19th of March, just after the Chancellor announced a £330bn rescue package due to support UK companies through the Covid-19 crisis. The research asked businesses about the challenges they face in getting access to financial support, as well as attitudes towards cyber security and regulation.

In addition, the polling found that businesses plan to prioritise spending on cyber security over anti-financial crime compliance in 2020, with 44 per cent putting plans in place. However, a large 81 per cent of organisations agree that they are confident in their understanding of exposure to financial crime and that they already have the processes in place to address it.

According to the polling results, 44 per cent of companies said they did not regularly put customers and suppliers through formal Know Your Customer (KYC) processes. Additionally, 60 per cent admitted that there has been no training for staff about how to be compliant with the Fifth Money Laundering Directive (5MLD).

Meanwhile, nearly one third of businesses (29 per cent) said they now trust challenger brands and fintech providers more than traditional banks.

Wayne Johnson, CEO and co-founder, Encompass comments: 

“It is disappointing that complex, expensive and overly-long due diligence processes are preventing British businesses from getting access to the finance and banking services they urgently need.

Everyone recognises that it’s vital to ensure correct background checks on new customers to prevent money laundering and criminal activity, but these checks should not act as a hindrance to legitimate companies gaining access to the credit and services they require.

It’s also worrying that so many companies admit to minimal KYC onboarding processes, as well as offering zero training on important directives such as 5MLD.

It’s time that banks and financial services organisations harnessed the power of analytics and automated solutions to swiftly and securely adhere to these important compliance processes. Doing so will unblock the logjam and get companies the access to necessary financial support during this challenging time, and without delay.”

Survey Results: Coronavirus and the State of Banking Innovation

Given the significant challenges we’re facing with the ongoing coronavirus pandemic, INV Fintech and Bank Innovation conducted a brief survey from March 18 to 25, to gauge industry sentiment and understand practices going forward. Our survey garnered participation from 110 industry players, including 45 financial institutions, 25 fintech startups and 40 venture captital firms, consultants …Read More

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