PYMNTS

OCTOBER 1, 2018

LCA and Laplanche, along with former CFO Dolan, were also charged with improperly adjusting fund returns. Investors have returned to the platform in larger numbers, but loan volume and revenue have seen sluggish growth until very recently. The DOJ Finding. Those effects, however, were short-lived.

P2P 54

P2P Origination Underwriting Returns 54

CB Insights

JULY 21, 2017

Using CB Insights, we looked at a cohort of 99 blockchain companies that received an initial seed or angel funding in 2013 or 2014, and tracked them through today. Of the original companies: 30 companies have shut down. 27 received an equity follow-on round after the initial financing.

Blockchain 34

Blockchain Bitcoin Cryptocurrency Acquirers 34

CB Insights

JULY 21, 2017

Using CB Insights, we looked at a cohort of 99 blockchain companies that received an initial seed or angel funding in 2013 or 2014, and tracked them through today. Of the original companies: 30 companies have shut down. 27 received an equity follow-on round after the initial financing.

Blockchain 28

Blockchain Bitcoin Cryptocurrency Acquirers 28

PYMNTS

MARCH 21, 2017

The Guardian’s report is based on a review of documents that “show that at least $20bn appears to have been moved out of Russia during a four-year period between 2010 and 2014.”. paper of record that the Russian money was “obviously either stolen or with criminal origin.”.

Money Laundering 43

Money Laundering Due Diligence Law Enforcement Crime 43

PYMNTS

DECEMBER 10, 2016

Laplanche is Renaud Laplanche, Lending Club’s colorful and highly quotable founder and first CEO, and he had that effect on a lot of people during the eight years between Lending Club’s IPO in 2014 and its beginnings. Loan originations were down, and defaults were higher than expected. The Billion-Dollar IPO. IPO of the year.

Non-Bank 73

Non-Bank Compliance Push-to-Card Origination 73

PYMNTS

AUGUST 24, 2016

In 2014, ID Experts reported $22.8 million in revenue with 59 employees, and the sale provided a hefty return for investors. Radar launched just this week with 30 employees and is backed by some of ID Experts’ original investors. billion, which represents a return to billion dollar plus activity.

Cybersecurity 40

Cybersecurity Data Breach Identity Theft Breach 40

FICO

JUNE 22, 2017

In their innocent incompetence to identify clear red flags about Madoff’s returns and file a Suspicious Activity Report (SAR), JP Morgan’s was fined $1.7 billion in 2014. Then, analysts can send in SAR reports to regulators to ensure that they don’t run into the same problems JP Morgan faced in 2014.

AML 55

AML Facilitators AI Money Laundering 55

CB Insights

SEPTEMBER 15, 2017

Having made venture investment an important strategic focus since launching its CVC fund Simon Ventures in 2014. These include, but are not limited to, digitization of directories and mapping, parking reservations, Facebook Messenger bots, improved returns services via Happy Returns , Snapchat filter campaigns, and an Amazon Alexa skill.

Returns 55

Returns Bots Technology Research 55

PYMNTS

DECEMBER 18, 2019

Minnesota-based Caribou Coffee and other smaller chains are following suit by not only developing mobile order-ahead apps, but also by instituting rewards and loyalty programs, encouraging customers to return to their stores time and time again. Caribou Perks did not originally allow customers to schedule pickup times.

Innovation 52

Innovation Point-of-Sale (POS) Data Breach Breach 52

PYMNTS

AUGUST 9, 2017

In the first quarter alone, smartphone-originated QR code-based payments saw transaction growth of a staggering 113 percent according to the consulting firm iResearch. Development by both Tencent and Ant Financial continued even as the Chinese government briefly banned such payments in 2014 to address regulators’ safety concerns.

Online and Mobile Banking 46

Online and Mobile Banking Payments Push-to-Card Mobile Payments 46

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. In June 2014, Stitch Fix raised a $30M Series C at a much higher $314.4M

Caps 45

Caps Origination AI Product 45

Fintech Labs Insights

APRIL 25, 2016

Pictured (left to right): Patch of Land CMO AdaPia D’Errico and COO Jason Fritton demonstrating their platform at FinovateFall 2014 in New York. In March, the company announced a set of major new milestones , including origination of more than $100 million in loans and returning more than $25 million to investors.

Consulting 15

Consulting Origination Returns Continuity 15

PYMNTS

FEBRUARY 16, 2017

After discovering the origin of her earth-mined diamond ring, Anderson set out to find a conflict-free diamond. And from an operational perspective, the program has certainly helped reduce return rates. She soon found that the only true conflict-free diamond was lab-grown. How has it changed or impacted customer purchasing decisions?

Consumer 40

Consumer On-Demand Product Risk 40

CB Insights

FEBRUARY 13, 2020

Additionally, the company must underwrite risk, and is on the hook in the event of fraud or returned items. The company reached unicorn status in January 2014 at a $1.8B A few key members of the executive team include: Claire Hughes Johnson, who has been the COO since 2014. valuation following its $80M Series C. Source: Stripe.

Payment APIs and Integration 98

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

PYMNTS

MARCH 1, 2017

Both the number of incidences of account takeover and the amount of money lost to fraudsters using the method hit a low point in 2014. Just a few ago, it seemed that the “good guys” had the upper hand on fraudsters when it came to the account takeover battle.

Account Takeovers 56

Account Takeovers Accounts Credential Authentication 56

PYMNTS

APRIL 5, 2016

That focus on customer value means that shipping and returns on the platform are always free and delivered in three days or so. Founded in 2014, the firm has raised a conservative $1.3 How sticky a service Garmentory will prove to be in an eCommerce space that suddenly seems quite crowded with marketplaces remains to be seen.

Consumer 40

Consumer Risk Origination Small Business 40

Fintech Labs Insights

APRIL 17, 2017

In 2014, things changed significantly for these investors; historically if they didn’t have $40,000 for a down payment on an investment property loan or $4 million to spend on commercial property development, they would be out of luck. Returns and distributions are specific to each listing, as is the term of each investment.

Accreditation 19

Accreditation Technology Returns Due Diligence 19

CB Insights

OCTOBER 29, 2018

Date: April 25, 2014. Ballmer led Microsoft’s purchase of Nokia for over $7B in a deal finalized in 2014. Date: January 13, 2014. In 2014, Google sought to make an entrance into smart homes by acquiring Nest Labs, a four-year-old startup founded by two ex-Apple engineers, Tony Fadell and Matt Rogers. Price: $3.2B.

Acquirers 76

Acquirers Online and Mobile Banking Innovation Non-Bank 76

PYMNTS

SEPTEMBER 9, 2016

And after a brief dip in 2010 and 2011, the increase continued until it peaked in 2014, according to Financial Fraud Action UK. ODFI focuses on the origination of transactions, while RDFI concentrates on receiving transactions. It creates a better commerce environment between originators and beneficiaries,” he said.

Same Day ACH 40

Same Day ACH ACH ODFI Faster Payments 40

CB Insights

AUGUST 17, 2017

In 2013, the launch of Google Glass drove widespread discussion of augmented reality glasses, and indeed, throughout 2013 – 2014 Walmart applied for several patents that used augmented reality wearables to guide shoppers. The drones would then return to the airship and restock while the airship could fly to the next neighborhood.

Automation 37

Automation Product Checks Process 37

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. percent in 2014.

Payments 47

Payments Consumer On-Demand Returns 47

Fintech Labs Insights

JULY 29, 2015

However, website design is much more than the homepage and Chase’s previous design is a top performer in Change Sciences overall 2014 website usability and conversion ratings. Feel at home : Localized images personalize the site for returning visitors. So clearly Chase knows how to convert their massive website traffic.

Credit Union 25

Credit Union Credit Cards Checks Accounts 25

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.

Consumer 76

Consumer Use Case On-Demand Ubiquitous 76

CB Insights

NOVEMBER 6, 2018

Google has previously leveraged its search data for industry reports across the beauty space, including a 2014 report on the beauty revolution, a 2015 report on hair trends, and a 2017 report that used Google data to identify skincare trends across the US, France, and Japan. Consumer Insights. Product Launches. Product Launches.

Bots 72

Bots Use Case Product Consumer 72

PYMNTS

AUGUST 21, 2017

Over Labor Day weekend in 1995, Pierre Omidyar wrote the original code in his living room for the company that would later become known as eBay. It was shuttered in 2014. Only 4 percent of consumers who liked a brand as a result of a campaign ever returned to that brand’s page again. Facebook shuttered Gifts in August of 2014.

PayPal 51

PayPal Push-to-Card Consumer Acquirers 51

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

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

PYMNTS

MAY 10, 2016

Even Jamie Dimon wrote in a 2014 letter to investors of the danger online lenders posed, a new class of innovator that was coming to “eat our lunch.”. The challenge for the industry at that point will be to find a different funding mechanism for originating these products or loans. He was far from alone.

Underwriting 41

Underwriting Audit Risk Compliance 41

Fintech Labs Insights

MAY 19, 2016

billion, which would have been a record year anytime before 2014. This week, 7 deals did not reveal the amount raised including Finovate alum BlueVine which added Citigroup to the $40 million round originally closed last year. Tags: Consumer, SMB, accounting, bookkeeping,, tax returns, tax prep. billion week ending April 22.

FinTech 18

FinTech Debit Card Underwriting Non-Bank 18

CB Insights

NOVEMBER 1, 2018

After a brief launch in 2011, Glitch was returned to beta and by 2012, Butterfield declared the concept wasn’t viable. The messaging app Slack officially launched in 2014 and became a unicorn ($1B+ valuation) the same year. Stars such as Justin Bieber and The Weeknd got their big breaks via the site. Source: Shopify Investor Deck 2016.

PayPal 76

PayPal Origination Acquirers On-Demand 76

CB Insights

SEPTEMBER 10, 2019

Simple, an early contender founded in 2009, floundered following its 2011 launch before ultimately being bought by Spanish banking giant BBVA in 2014. Originally launched in 2015, Qapital has raised $51M in funding to date and gained roughly 420,000 users, who have reportedly saved nearly $500M. As of 2018, the app had 3.7M

Finance 77

Finance Online and Mobile Banking Micro-Entry Advisors 77

CB Insights

JUNE 6, 2019

It’s also one where traditional lenders, because of the uncertain returns, are less likely to extend credit. We were promised a future of jetpacks and flying cars — and it’s 2014. By February 2014, Quirky had just $50M left in the bank and was burning through almost $6M per month. Founded: 2014. Founded: 2009.

Breach 78

Breach On-Demand Product Acquirers 78

CB Insights

OCTOBER 16, 2018

2014: Bet on ideas that have unlimited upside. 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. 2014: Bet on ideas that have unlimited upside. Just execute.

Innovation 78

Innovation Product Risk Technology 78

PYMNTS

JUNE 23, 2016

In a 2014 survey , about two-thirds of the Swedish population voted that using cash to shop should be an “inalienable human right,” Delnevo noted. According to the Bank for International Settlements, in 2014, Swedish vaults held close to 3.6 Yet the current state of cash in Sweden indicates otherwise. ATMs and security.

ATM 41

ATM Credit Cards ATMIA Privacy 41

Fintech Labs Insights

NOVEMBER 16, 2015

Launched in 2014, MasterCard Start Path supports early stage startups working on the next generation of e-commerce solutions, including building big data, mobile, and cloud-based applications. The company provides an automated VAT (value-added tax) recovery solution that helps maximize VAT returns in a transparent and compliant way.

Visa 31

Visa Automation Origination Returns 31

CB Insights

OCTOBER 31, 2019

Given the number of angel and seed rounds that took place between 2014 and 2017, this lack of later-stage fundraising rounds suggests that few of those early chatbot investments were successes. return on its ad spend. Source: CB Insights. In January 2018, Facebook closed down M. During the holiday season, LEGO says it reaped a 3.4x

Bots 78

Bots Legal Online and Mobile Banking Research 78

Fintech Labs Insights

MARCH 6, 2017

Previous to B2R Finance, Zall was a commercial real estate trader at JP Morgan, specializing in new origination, securitization and marketing of new deals. As of the fourth quarter of 2016, the company has funded 400 loans with an average size of more than $545,000 and a realized rate of return of 11%.

Product 15

Product Accreditation Finance Origination 15