PYMNTS

OCTOBER 17, 2017

This one, called ROCA (Return Of the Coppersmith’s Attack), leverages a weakness in the encryption of chips made by the German company Infineon Technologies AG. Google has been trying to get into TV advertising since 2007. Feeling Insecure? Just hours after the KRACK vulnerability was announced, another security gap materialized.

Cybersecurity 50

Cybersecurity CHIPS Ransomware Breach 50

CB Insights

SEPTEMBER 12, 2017

In order to return to a stable state, the fatty acid ejects its last carbon atom in the form of CO2 and replaces it with a hydrogen atom, returning the molecule to a stable state. The original research “An algal photoenzyme converts fatty acids to hydrocarbons” was published in Science. The end result?

Returns 59

Returns Product Process On-Demand 59

PYMNTS

DECEMBER 10, 2016

I crossed paths with Laplanche back in 2007 and wanted to back him right away,” Petrushka said. When I founded my first startup, it got me thinking — banks are middlemen that can and should be disrupted,” Laplanche noted in a 2007 interview on how he came up with the idea of Lending Club. The Billion-Dollar IPO. IPO of the year.

Non-Bank 73

Non-Bank Compliance Push-to-Card Origination 73

Fintech Labs Insights

JUNE 22, 2015

Shoeboxed has been providing level 3 data since launching in 2007. Founded in 2007. To see more information about a transaction, the app supplies a copy of the original receipt, an itemized list purchases, and the category of the transaction, all within the banking app. 3) Product return reminders. Based in Durham, NC.

Credit Cards 26

Credit Cards Correspondent Transactions Product 26

PYMNTS

MAY 5, 2016

Over that same time period, when Wet Seal saw dwindling returns from each physical store front, it kept increasing its numbers; from 2009 to 2011, Wet Seal added 30 stores annually and only tapered this process off come 2012. Though the sporting goods retailer originally filed for bankruptcy in March, claiming upwards of $1.1

Authorization 44

Authorization Legal Agreements Origination 44

Fintech Labs Insights

FEBRUARY 27, 2017

Since July, monthly loan originations have climbed “steadily.” ” That progress has continued into 2017– the company reported an estimated net return of 7.86% for January. Founded in 2005, Prosper presented at FinovateSpring 2009 as well as the inaugural Finovate in 2007.

P2P 16

P2P Origination Returns Volume 16

PYMNTS

AUGUST 21, 2017

After hearing that a big conference was coming to San Francisco and that hotel rooms were totally sold out, two 27-year-old guys, who were living there in 2007 and struggling to pay rent, bought three airbeds and turned their living room into a makeshift bed and breakfast. E-Bay acquired online ticket exchange, StubHub, in 2007.

PayPal 51

PayPal Push-to-Card Consumer Acquirers 51

PYMNTS

NOVEMBER 7, 2016

William Safire wrote a story in The New York Times in 1994 tracing the origin of the phrase. In return for non-voting shares and an agreement to drop the lawsuit that accused Microsoft of copying the look and feel of the Mac OS, Jobs persuaded Bill Gates to write Apple a check big enough to get the company back on solid financial footing.

Consumer 75

Consumer Agreements Checks Disputes 75

CB Insights

NOVEMBER 16, 2017

Users can try on items at home, and return whatever they don’t like in prepaid shipping envelopes. Stitch Fix itself just lowered its planned IPO pricing, from the $18-$20 it originally proposed in its S-1 filing down to $15-$16, according to reports on 11/16. Founded in 2007, Bonobos was valued at $182.6M in Q4’13.

Caps 45

Caps Origination AI Product 45

PYMNTS

SEPTEMBER 24, 2018

Google reported last week that it has reached a deal with the Renault-Nissan-Mitsubishi alliance to use its Android operating system as the in-dash operating system for the OEMs (original equipment manufacturers) that collectively sell more cars than any other auto OEM in the world — last year, some 10.6 million vehicles. In the U.S.

Consumer 76

Consumer Use Case On-Demand Ubiquitous 76

CB Insights

OCTOBER 16, 2018

2007: Missionaries build better products. At Amazon, it is always Day 1— it’s a powerful refrain that has featured in every shareholder letter since the original. Day 1 represents originality, enthusiasm, and an eagerness to delight customers. It has the potential of very strong returns. Just execute.

Innovation 78

Innovation Product Risk Technology 78

CB Insights

OCTOBER 26, 2020

With torrential growth and return on investment (ROI) driven largely by the trading of complex financial instruments, Lehman Brothers, Bear Stearns, Goldman Sachs and others achieved record profits and awarded unprecedented bonuses. In 2006, investment banks were at the top of the finance world. Over the next 2 years, everything fell apart.

Underwriting 78

Underwriting Research Online and Mobile Banking Non-Bank 78

PYMNTS

JULY 18, 2016

Forcing consumers to rent and return movies in a narrow window of time — or else pay late fees if they didn’t. After, of course, making consumers spend a bunch of time traveling to and from the store to pick up and return them. DVDs were delivered to the consumer by the post office and returned the same way. In 2007, with 7.5

Payments 47

Payments Consumer On-Demand Returns 47

CB Insights

JUNE 6, 2019

On the other, you have companies like Earth Class Mail, which despite its large user base went bankrupt during the 2007-08 financial crisis, only to reinvent itself and flourish under new ownership more than a decade later. It’s also one where traditional lenders, because of the uncertain returns, are less likely to extend credit.

Breach 78

Breach On-Demand Product Acquirers 78

CB Insights

SEPTEMBER 10, 2019

Mint, one of the first personal budgeting tools to break through , launched in 2007. Originally launched in 2015, Qapital has raised $51M in funding to date and gained roughly 420,000 users, who have reportedly saved nearly $500M. Acorns has grown with its original target audience and now offers 3 product packages.

Finance 77

Finance Online and Mobile Banking Advisors Micro-Entry 77

CB Insights

FEBRUARY 13, 2020

Additionally, the company must underwrite risk, and is on the hook in the event of fraud or returned items. Braintree , a Chicago-based payment infrastructure company founded in 2007, aimed to replace the traditional model where merchants used different providers for a payment gateway and a merchant account.

Payment APIs and Integration 98

Payment APIs and Integration Online and Mobile Banking Payments Push-to-Card 98

CB Insights

OCTOBER 10, 2017

How Mint returns 100+ lost hours to its users lives right away. Mint — How it returned 100+ lost hours to users on their first open. The original Pageonce was a prototypical Web 2.0 It was 2007, and people were much less willing to hand sensitive banking information to a new internet startup than they are now.

Finance 78

Finance Online and Mobile Banking Product Checks 78

CB Insights

OCTOBER 29, 2018

Date: May 18, 2007. in May of 2007 to Google’s $3.1B And in the short-term, that would have looked like a good deal, as the social media site hit its peak in 2007 at a value of about $12B. Credit Suisse paid nearly three times the book value for DLJ, and got little in return. Microsoft and aQuantive. Price: $6.3B.

Acquirers 76

Acquirers Online and Mobile Banking Non-Bank Innovation 76

CB Insights

NOVEMBER 16, 2017

In venture capital, returns follow the power law — 80% of the wins come from 20% of the deals. Those wins often make up for all the losses and then some — they “return the fund.” return by helping the company through a difficult financial time. “ Exit is the important word.

Returns 78

Returns Online and Mobile Banking Acquirers On-Demand 78

PYMNTS

OCTOBER 16, 2017

M-Pesa’s original use case was to digitize the paper currency that was once sent back home to villages via paper bags and busses. ICO investors don’t get equity or even a real measure of the return on their investment, but as one investor said, they do face a sizeable risk losing all their money.

Cryptocurrency 71

Cryptocurrency Bitcoin Near Real-Time Use Case 71

CB Insights

JULY 24, 2018

Men’s clothing retailer Bonobos launched in 2007 with one goal — to keep men out of stores. They’ll return to the Warby Parker stores, but what started as an offline purchase gets 2–3x’ed online. Online-only brands can approach the offline channel without any of the baggage of the big retailers (i.e.

Product 49

Product On-Demand Process Consumer 49

CB Insights

DECEMBER 14, 2017

Why Casper makes it $100-$200 cheaper to return their mattresses. Founded in 2007, Bonobos is the oldest company on our list of direct-to-consumer success stories. To solve that, they copied Zappos and introduced free, no-questions-asked returns. This strategy goes back to the company’s origins.

Consumer 78

Consumer Product Returns On-Demand 78