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Letter from the Chairmen

"Margins are pinched, loan demand has yet to recover, consumers and regulators are pushing back on all kinds of fees – in some ways, it seems as though nothing has changed over the last 12 months." Read more...


Sponsors & Exhibitors

Platinum Sponsor

Cisco Cisco
www.cisco.com/go/banking
Cisco is the worldwide leader in intelligent networking that transforms how financial institutions connect, communicate, and collaborate. Cisco is an IT-enabler for expanding communications not only within the bank but between the bank and its customer and partners via its innovation of IP-based intelligent networking solutions including collaboration, business video, unified communications, mobility and wireless.

Gold Sponsors

Information Builders Information Builders
www.ibi.com
Information Builders’ business intelligence, integration, and integrity solutions help healthcare providers participate in value-based purchasing programs, improve operational performance, and become more competitive by turning financial, clinical, and administrative data into information that clinicians, staff, and administrators can use for evidence-based decision-making.
NICE
NICE

www.nice.com
NICE (NASDAQ: NICE) is the worldwide leader of software solutions that deliver strategic insights by capturing and analyzing mass quantities of structured and unstructured data in real time from multiple sources, including phone calls, mobile apps, emails, chat, social media, and video. NICE’s solutions enable organizations to take the Next-Best-Action to improve customer experience and business results, ensure compliance, fight financial crime, and safeguard people and assets. NICE solutions are used by over 25,000 organizations in more than 150 countries, including over 80 of the Fortune 100 companies.

Featured Sponsors

ACI ACI Payments Systems
www.aciworldwide.com/
ACI Worldwide powers electronic payments for financial institutions, retailers and processors around the world with its broad and integrated suite of electronic payment software. Payment systems are what we do at ACI. They're what we have been doing for more than 35 years. Our employees have an unrivaled understanding of payment processes and how to improve them.
Acxiom
Acxiom
www.acxiom.com
Acxiom is a recognized leader in technology and marketing services that enable marketers to successfully manage audiences, personalize consumer experiences and create profitable customer relationships. Our superior industry-focused, consultative approach combines consumer data and analytics, databases, data integration and consulting solutions for personalized multichannel marketing strategies. Acxiom leverages over 40 years of experience in data management to deliver high-performance, highly secure, reliable infrastructure-management services.
American National
American National Insurance Company
www.anico.com
American National offers a broad variety of life insurance, retirement annuities, accident and health insurance, pension plan products and services, credit insurance, and property/casualty insurance for personal lines, agribusiness and targeted commercial exposures. Products are distributed through career agents, independent marketing organizations and multiple line exclusive agents as well as direct distribution channels.
Bankrate
Bankrate, Inc.
www.bankrate.com
Bankrate, Inc. is the Web's leading aggregator of financial rate information, offering an unparalleled depth and breadth of rate data and financial content. Bankrate continually surveys approximately 4,800 financial institutions in all 50 states in order to provide clear, objective, and unbiased rates to consumers. Our flagship Web site, Bankrate.com, provides free rate information to consumers on more than 300 financial products, including mortgages, credit cards, new and used automobile loans, money market accounts, certificates of deposit, checking and ATM fees, home equity loans and online banking fees.
BCSG
BCSG
www.bcsg.com
With cloud services at our core, we specialise in helping Financial Institutions to better support their small business customers by providing a unique blend of outsourced products and services. We can redefine how you interact with ,and support, your small business customers, by providing the perfect blend of web-based tools and services to help equip your customers with the skills they need to succeed and grow.
Bluespire
Bluespire
www.bluespiremarketing.com
BlueSpire Strategic Marketing is an award-winning firm that helps organizations in highly regulated industries find their voice, employ content and engaging marketing strategies to connect with their audiences and drive measurable results. BlueSpire has nearly 30 years of experience in financial services and works with some of the most well-known names in banking including Harris Bank, U.S. Bank, Associated Bank and more.
Bluewater Technologies
Bluewater Technologies
www.bluewatertech.com
Driven by technology, BlueWater Technologies has more than 25 years of experience helping its clients connect with millions of customers and employees every day with its innovative technology solutions. Initially established as a custom AV rental and staging house in Michigan, BlueWater evolved into a national provider of Meeting & Event Technology, Audio Visual Integration, Digital Media Solutions, and Custom Displays & Fixtures. BlueWater specializes in the design, engineering and implementation of custom technology solutions that exceed its clients’ expectations.
Choice
CHOICE Savings & Investments
www.choicefs.com
CHOICE equips financial institutions with the tools to offer innovative savings & investment products to their customers. CHOICE offers financial institutions: client personalized products, patented technology, innovation consulting, & expert training. CHOICE Savings & Investments is a strategic line of business for Ideon Financial Solutions.
City National Bank
City National Bank
www.cnb.com
City National's mission is to provide the ultimate banking experience for successful entrepreneurs and professionals through an uncommon dedication to extraordinary service, proactive advice and total financial solutions.
Clarabridge
Clarabridge
www.clarabridge.com/
With years of development invested in the Clarabridge® sentiment and text analytics technology, we're the only company today with the qualifications to support enterprise-scale customer feedback initiatives. Clarabridge was founded with the simple premise of enabling companies to drive business value by looking at the customer holistically; pinpointing key experiences and issues; and helping everyone in your organization to take actions that make a difference.
Clarity Services
Clarity Services Inc.
www.clarityservices.com/
Clarity Services, Inc. is a real-time credit bureau leveraging world-class technology and focusing on untraditional bureau reporting. Clarity's data sources of alternative financial services providers include: check cashers, debit card issuers, prepaid card issuers, short term installment lenders, peer-to-peer micro lenders, title loans, internet payday lenders, buy-here-pay-here auto dealers, collection agencies, and more.
Datacard Group
Datacard Group
www.datacard.com/
Datacard Group collaborates with customers to create highly secure financial card programs and government ID initiatives, as well as secure ID programs for education, corporate security and many other markets. We bring unmatched experience and expertise to every engagement, including industry best practices and a deep understanding of complex operational issues. All of this enables Datacard to deliver innovative solutions and services that help customers address critical challenges.
Doculynx
DocuLynx
www.doculynx.com/
DocuLynx is the leading provider of Active Information Archive™ Solutions; an end-to-end archiving solution that simply captures, manages and presents business critical information in one powerful platform. Since 2004, DocuLynx has provided clients cloud-based archiving solutions that exceed regulatory compliance standards in a variety of high volume, high transaction industries including financial services, manufacturing and government. DocuLynx was ranked #159 in Inc. Magazine's 500 Fastest Growing Private Companies in America in 2011. DocuLynx is headquartered in Omaha, Nebraska and has 11 offices throughout the U.S. DocuLynx is host to 60 billion images.
Experian
Experian
www.experian.com/
Experian® is a global leader in providing information, analytical tools and marketing services to organizations and consumers to help manage the risk and reward of commercial and financial decisions. Using our comprehensive understanding of individuals, markets and economies, we help organizations find, develop and manage customer relationships to make their businesses more profitable.
Greenwich Associates
Greenwich Associates
www.greenwich.com/
Greenwich Associates is the premier decision services firm for the financial services industry. We provide unique data and insights that help our clients make smarter business decisions. Our clients include nearly all of the world’s leading investment banks, commercial banks and asset managers.
Harland
Harland Financial Solutions
www.harlandfinancialsolutions.com/
Harland Financial Solutions serves as a strategic technology partner to more than 6,000 financial institutions of all sizes, including commercial banks, thrifts, credit unions and mortgage companies. The company supplies comprehensive software solutions and services that help increase institutional performance and drive profitability. Its portfolio of solutions includes branch automation, business intelligence, core processing systems, enterprise content management, financial accounting, lending & compliance, loan servicing, payments, risk management and self service solutions.
International Bancard
International Bancard
www.intlbancard.com
International Bancard Corporation delivers payment processing solutions that allow merchants in every industry to accept credit and debit card payments anywhere and anytime. Our Merchant Services Partner Program creates immediate and recurring non-interest revenue streams for banks, while eliminating credit risk. As a seamless partner, we help financial institutions capture and retain business customers, differentiate with new payments channels, and target vertical industries like real estate, non-profits and municipalities. Learn more at www.intlbancard.com or 800.827.4880. International Bancard Corporation delivers payment processing solutions that allow merchants in every industry to accept credit and debit card payments anywhere and anytime. Our Merchant Services Partner Program creates immediate and recurring non-interest revenue streams for banks, while eliminating credit risk. As a seamless partner, we help financial institutions capture and retain business customers, differentiate with new payments channels, and target vertical industries like real estate, non-profits and municipalities. Learn more at www.intlbancard.com or 800.827.4880.
International Institute for Analytics
International Institute for Analytics
www.iianalytics.com
Analytics is the most compelling competitive differentiator in business today. Few organizations, however, are confident in their ability to successfully build, fund, and prioritize a competitive analytics initiative. IIA is the only research firm dedicated exclusively to defining the path to analytical excellence. This focus allows us to go deeper than other multi-disciplined research firms. We are the market leader in benchmarking analytical capabilities and we specialize in supporting executive leadership by industry and function. IIA utilizes a paid research model that insures our objectivity in meeting the needs of practitioner organizations. We generate both peer-based and faculty-sourced insights through a variety of phone briefings, online resources, and live activities. The result? Actionable insights delivered through a proven methodology that respects the unique spirit of collaboration among participants, faculty, and the IIA team.
Jack Henry Banking
Jack Henry Banking
www.jackhenrybanking.com
Jack Henry Banking was founded in 1976 in response to the growing demand for off-the-shelf banking software. Three decades later, it supports approximately 1,500 banks – ranging from de novo to mid-tier institutions – with market-leading in-house and outsourced core processing solutions.
John Ryan
John Ryan
www.johnryan.com
Total Store Messaging solutions for leading retail banks. Pioneers in the field of digital signage. The largest networks in the US and Europe. Technology designed by marketers for marketers. Welcome to John Ryan.
Kurt Salmon
Kurt Salmon
www.kurtsalmon.com
Kurt Salmon is a global management consultancy of more than 1,400 consultants with offices throughout the world. We are focused on helping clients in financial services, retail and consumer products and other industries with business growth strategies and operational and transformational initiatives. Our Global Financial Services practice works with the world’s leading retail, corporate and investment banks, consumer finance companies, asset managers and investment funds, insurance companies, payments businesses and financial sector regulators. We understand well the forces at work in the financial services industry, such as the need for improved asset quality and risk management, the imperative of further operational efficiency, the inter-relationships between core funding and deposit gathering and payment transactions, and the opportunities related to mobile payments. Kurt Salmon brings unparalleled insight into the cross-industry issues and opportunities facing financial institutions and consumer and retail companies. Kurt Salmon is a company of Management Consulting Group (MMC-London Stock Exchange).
Lead Fusion
Leadfusion
www.leadfusion.com
Leadfusion is the industry source for Financial Experience Management® (FEM). FEM solutions help financial institutions deliver engaging, interactive consumer experiences while driving business results. Leadfusion's FEM suite consists of Researching, Marketing, and Selling Solutions designed to operate independently or as a single integrated platform. Leadfusion has been providing compelling experiences for financial consumers since 1995. Over 250 financial institutions, including 14 of the top 15 retail banks, 65 credit unions and 2 of the top 3 insurance companies trust Leadfusion to educate and empower their consumers.
Maritz Research
Maritz Research
www.maritzresearch.com
Maritz Research helps many of today’s most successful financial organizations improve their bottom line through a deep understanding of their customers, employees, and channels. We offer a range of strategic and tactical market research solutions that provide insight into your brand’s performance and develop research designs that help you understand customer choice, experience, and loyalty.
MarketShare
MarketShare
www.marketshare.com
MarketShare offers the industry leading cross-media analytics solutions for global marketers. Using leading science, big data capable platforms and world-renowned experts, MarketShare is the only solution providing real time digital and cross-media attribution analysis.  The ability to do full “offline” as well as “online attribution gives marketers the most complete and accurate picture of the return on their marketing investments. Called out as a leader in the industry by Forrester Research and a "Cool Vendor" by Gartner, MarketShare has enabled more than half of the Fortune 50 companies to credibly measure and dramatically improve their marketing effectiveness.
Mphasis
Mphasis
www.mphasis.com
MphasiS is a $1 billion global service provider, delivering technology based solutions to clients across the world. With deep domain experience in Banking and Capital Markets, our competency lies in our ability to offer integrated service solutions in Applications, Infrastructure Services, and Business Process Outsourcing. Our solutions and services are designed to improve customer experience, strengthen workflow management and business intelligence services, and modernize legacy applications to support real-time, flexible business processes.

NetSpend
www.netspend.com
NetSpend is a leading provider of general-purpose reloadable (GPR) prepaid debit cards and related financial services. For partners, NetSpend provides superior end-to-end prepaid card solutions—from customer acquisition and card fulfillment to customer service and risk management. Cardholders save time and money with NetSpend. It’s the easiest way for your customers to access and manage their money!
Neustar
Neustar
www.NeustarInfoServices.biz
Neustar® Information Services enables financial institutions to instantly gain actionable, data-driven consumer insights at every touch point by leveraging IANsm – the authoritative, market-proven on-demand insights engine. Whether in the branch, online, via mobile device or in the call center, Neustar enables you to instantly identify, verify and understand the consumers you are interacting with to customize treatment and optimize customer experiences. Couple these real-time insights with ElementOne®, our proprietary, web-based analytics platform that enables your financial institution to gain even more insight into your customers, prospects, markets and retail distribution strategy, and you now have a common lens through which the entire enterprise can view and interact with the consumers you serve.
On Deck
On Deck
www.ondeckcapital.com
Founded in 2006, On Deck connects Main Street businesses – such as restaurants, retailers, and other service providers – directly to capital. On Deck’s technology platform uses data aggregation and electronic payment technology to analyze the financial health of small businesses. To date, On Deck has delivered over $350 million in capital to thousands of small businesses nationwide.

Pitney Bowes
www.pb.com
Pitney Bowes Software is a wholly owned subsidiary of Pitney Bowes Inc. and is the software division that enables organizations to have lifetime relationships with their customers. Our proven solutions enable organizations to engage with each customer individually and to connect every customer communication [outbound, inbound, marketing, sales or service ] into an ongoing dialogue where customer insight and understanding forms the basis for each and every interaction.

Silanis
www.silanis.com
Leading analyst firms Gartner and Forrester Research recommend Silanis as a leader in enterprise e-signatures. Silanis provides comprehensive solutions to organizations of all sizes that want to convert their paper-based processes to fully electronic, straight-through processing, for a single LOB or across the entire enterprise. In doing so, we have created and are shaping the “enterprise e-signature” category. Our e-signature software goes well beyond a simple “I Agree” button. It automates business critical, revenue-generating processes from start to finish. Whether deployed on-premises or on the cloud, it integrates tightly with enterprise systems and scales to multiple processes and/or departments.
Stratacache
Stratacache
www.stratacache.com
Founded in 1999, STRATACACHE is a privately-held provider of efficient, scalable and cost-effective digital signage, IP video, content distribution and enterprise video acceleration solutions. STRATACACHE helps financial institutions sell more of their highest-margin products with intelligent in-store digital merchandising solutions. With 1.4 million digital devices worldwide, STRATACACHE understands the integration of in-branch digital media to a total multichannel customer experience including web, mobile and tablet applications. We have the experience to help you use digital as part of this multichannel experience to inspire customer action in-branch.
Timetrade
TimeTrade
www.timetrade.com
Leading retail banks use TimeTrade’s “Banking by Appointment” cloud-based platform to revolutionize the ways in which they interact and engage with their customers. By empowering consumers and businesses to book in-branch or phone appointments for high-value services through bank websites, email loyalty campaigns, online banking products and social media sites, retail financial services organizations greatly improve customer experiences, loyalty and revenue opportunities.