TD Bank

Democratizing financial technology with a suite of API-based solutions

FinTech Infrastructure

Moven, which used to be a digital bank, pivoted to offering white-label infrastructure for financial institutions to improve their banking and financial wellness services by aggregating and analyzing data from third party data sources to develop spending and saving insights on users, through which it allows FIs to offer more personalized financial wellness and banking solutions. Accordingly, Moven helps FIs generate new revenue (from mobile channels), reduce attrition, deepen customer engagement, improve financial wellness, and attract new customers. As of May 2021, the company claimed to be the only holder of a US patent for financial wellness (awarded in 2019).Moven’s FI customers include TD Bank, Westpac, and Banco Atlantida. Notably, it expanded to Japan through a JV formed with the Japanese SBI Group in 2018 as a part of the multi-million dollar investment received from SBI. Through the JV, SBI brought Moven’s technology to domestic and international banks in Japan. Moven also partnered with Q2 (banking and lending FinTech infrastructure provider) in May 2021 to develop a ‘Bank-in-a-Box’ solution for FIs to deploy in 30 days. The solution combines Q2’s core processing system for banking-as-a-service (BaaS) and Moven’s financial wellness tech, to enable credit unions, and community and regional banks to compete with digital banks.Moven also offers support for financial institutions to roll out their digital banking products especially due to the Covid-19 led surge in digital banking use. For instance, in May 2021, it partnered with LemonadeLXP (a platform to deliver digital fluency amongst frontline staff and customers) to help financial institutions’ support staff and customers migrate to digital banking.Moven’s CFO Rich Radice transitioned to the role of CEO in May 2021 and will mainly be tasked with enhancing value for existing customer relationships, focusing on modern modes of enterprise software delivery, and increasing the speed of business growth.

Exploring the limitless possibilities of AI

Generative AI Applications

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 Tech Spark AI, based in Canada, offers &ldquo;Spark Plug&rdquo;, a GenAI platform that focuses on creating more personalized educational experiences for Black and brown students in North America. Designed as an alternative to existing AI search tools, Spark Plug aims to personalize the learning experience. Collaborating with educational institutions in underserved Black and brown communities in the US and Canada, its initial iteration focuses on translating classic literature into African-American Vernacular English (AAVE) to engage Gen-Z audiences. The platform is shaped by voices from the Harlem Renaissance and the Civil Rights Movement, ensuring authentic representation. Spark Plug's web application functionality, similar to ChatGPT, is accessible to all despite its focus on students.&nbsp;
 
 
 Apart from language translation, Spark Plug has developed LearningDNA, an assessment tool aiding educators in understanding diverse learning styles. It customizes learning experiences, tailoring content delivery to suit individual preferences.&nbsp;
 
 
 Funding and financials
 
 
 In November 2023, the company raised 
 <a href="https://sp-edge.com/updates/24031">
 USD 1.4 million
 </a>
 in a pre-seed funding round led by TD Bank to further develop the platform.&nbsp;
 
 
 Key competitors: None comparable 
 (Tech Spark AI is the only company that offers a solution to translate classic literature targeting underserved Black and brown communities.)
 
</div>

The Coalition for the Homeless of Central Florida is a residential refuge with low barriers that promotes housing, emergency assistance, and diversion. They assist people and families in finding stable, long-term housing. To put an end to homelessness for men, women, and kids, they offer housing, emergency services, and diversion. To satisfy the demands of their community, they provide a range of emergency services. Their diversion services assist homeless people and families in finding housing alternatives outside the structure of the homelessness services system.

Group 1 Automotive owns and operates about 130 franchises at approximately 100 dealerships, as well as about 25 collision service centers in more than a dozen states. Group 1 Automotive also has a handful of franchises in the UK. The company's dealerships offer new (60% of sales) and used cars and light trucks under more than 30 different brands. It also offers financing, provides maintenance and repair services, and sells replacement parts.

Doman Building Materials Group is a leading Canadian wholesale distributor of building materials, home renovation products, and hardware and also provides wood pressure treating services. Through our distribution warehouses, we provide a comprehensive range of building products to dealers/lumberyards and home improvement centers. Builders and homeowners use our products primarily in new construction, repair, and remodeling. We carry a full line of structural, exterior, interior, and specialty products that provide quality and value for all types of projects.

Clarifi specializes in consumer credit counseling service.

NALCAB is a non-profit organization that works to foster racial and economic equity with research, advocacy, and technical advice.

The Community Builders is a non-profit organization that owns and manages high-quality apartments. The Community Builders' investments in housing, commercial, and community programs help make neighborhoods work for people of all income levels. The Community Builders creates housing for families and seniors, as well as invests in local businesses and public amenities that help to strengthen neighborhoods. They bring diverse experience and comprehensive expertise to each community where they work in collaboration with partners.

Atwell is a consulting, engineering, and construction service company, that deliver a broad range of strategic and creative solutions to clients in a variety of industries including real estate and land development, power and energy, and oil and gas markets.

The Tahltan HEO Program is a comprehensve training program that covers driver's license assistance, HEO mentor training, and HEO growth. This innovative program connects Tahltans to industry shortages by combining training in Tahltan Territory with on-the-job practical work experience.

The Liberty Company is a finacial service company that provides risk management and insurance services.

Babs Siperstein PROUD Center is a health service centre.

National Foundation for Credit Counseling is the nonprofit dedicated to improving people’s financial well-being.

Taiga Building Products is an independent wholesale distributor of building materials, and has 15 distribution centres in Canada and 2 distribution centres in Northern California, USA and 6 reload stations in Eastern USA — this ensures that a standing inventory (specific to each market) is always available.

Fintech Cadence offers a variety of events and programs for the fintech community. They have a mission to support early-stage entrepreneurs and develop financial products from the ground up. To collaborate and create, it has gathered talent, entrepreneurs, universities, academics, VCs, incubators, accelerators, and financial institutions.

Autobooks is a provider of small business banking solutions that make it simple to get paid online, manage cash flow, and automate accounting. Through Autobooks, financial institutions can provide essential back-office services, providing a small business e-commerce platform directly embedded within their existing digital banking channels.

Visao is a leading Quebec-based company specializing in providing manufacturers cutting-edge sales and marketing solutions. Our innovative platform enables manufacturers to create 3D and augmented reality models directly from their CAD files, revolutionizing how they showcase their products. Our state-of-the-art technology empowers manufacturers to present their products in a highly interactive and engaging way, creating an immersive and unforgettable experience for their customers. By leveraging the power of augmented reality, we enable manufacturers to showcase their products uniquely and innovatively, providing customers with unprecedented interactivity and customization. Our platform is designed to support the customization of products and accelerate the sales process, providing buyers with a comprehensive understanding of the product's dimensions, interior facets, and configuration. With a single URL link, buyers can interact with the product in ways that traditional images and videos cannot replicate. At Visao, we pride ourselves on our exceptional customer service and support, ensuring our clients receive the highest satisfaction and success. Our team of experts is dedicated to helping our clients achieve their goals, providing them with the tools and resources they need to succeed in today's competitive market. Experience the power of Visao's cutting-edge technology and discover how we can help transform your business today. Contact us to learn more about our innovative solutions for manufacturers.

Alongside improves the way job seekers and employers discover each other. Companies can create a job ad, distribute it to multiple boards for maximum exposure with just one click, review and collaborate with others and make the best hire – all in one place.

Spark Plug is a large language model trained with ethical data and youth culture, that transforms classic literature into culturally relevant language for Gen Z students.

Trillium Health Partners is a hospital that values fiscal responsibility as well as high-quality patient care. Trillium Health Partners provides comprehensive acute care hospital services and community-based, specialized programs. The mission of Trillium Health Partners is to provide high-quality care that is easily accessible to communities at the lowest possible cost.

Everstream is a Cleveland-based network service provider bringing fiber-based Ethernet, Internet, and data center solutions to businesses throughout Northeast Ohio. They focus on delivering best-in-class network solutions while providing an unrivaled commitment to customer service. With over 2,500 miles of fiber across 24 counties and comprehensive data center connectivity at 10 Gigabit speed, they provide the fastest, most reliable network in the region. Their 24/7 network operations center is staffed and operated by certified technical staff based in downtown Cleveland. Everstream was founded in 2014 and is based in Cleveland, Ohio.

Ethnocare designs and develops prosthetic devices to improve patients' mobility. They provide a product that includes Overlay, they use an integrated push-pump to allow for simple and effective fit adjustment of the residual limb in the socket, which eliminates the need for prosthetic socks.

Roostify they designed a POS platform to help lending homes to provide loans from banks.

Cold Spring Harbor Laboratory (CSHL) has been a global leader in research and education. The international scientific community at CSHL provides a unique and stimulating atmosphere for doctoral research—an environment where students, postdoctoral fellows, and faculty work side-by-side.

The MS Society provides services to people with multiple sclerosis and their families and funds research to find the cause and cure for this disease. They have a membership of 17,000 and are the only national voluntary organization in Canada that supports both MS research and services. Since their founding in 1948, the core support of the MS Society has been from tens of thousands of dedicated individuals, companies and foundations in communities across Canada. The Society receives almost no funding from government.  The MS Society is governed by a board of directors comprised of 14 volunteer members who are elected annually. There are seven regional divisions and more than 90 chapters that engage in many community-based activities.  Some 1,500 volunteers serve on MS Society national, division and chapter boards and committees. An estimated 13,500 women and men are volunteers for service programs, fundraising events, public awareness campaigns and social action activities.  The head office of the MS Society is located in Toronto, Ontario. Division offices are located in Dartmouth, Montreal, Toronto, Winnipeg, Regina, Edmonton, and Vancouver.

STAG Industrial, Inc. (STAG) is a self-administered and self-managed full-service real estate company focused on the acquisition, ownership and management of single tenant industrial properties throughout the United States. STAG Industrial target the acquisition of individual Class B, single tenant industrial properties predominantly in secondary markets throughout the United States with purchase prices above $5 million that are critical to the tenants' businesses. Where appropriate risk adjusted returns present themselves, we also may acquire assets in both primary and tertiary markets. Their properties include warehouse/distribution, manufacturing and flex/office buildings.

Flybits is the leading customer experience platform for the financial services sector, delivering personalization at scale. With the most advanced capabilities in the market, its enterprise-level solution brings relevant content, products, offers, and information to a bank’s digital channels based on what each individual customer needs in the moments that matter. With Flybits, banks are able to design, launch, and measure data-driven consumer experiences that deliver the right information to the right customer at the right time, while preserving their privacy. www.flybits.com

Peabody Properties services are accounting & finance, compliance & quality assurance, facilities, property management, marketing & leasing, sales & brokerage.

Public Health Management Corporation (PHMC) is a nonprofit public health institute that builds healthier communities through partnerships with government, foundations, businesses and community-based organizations. It fulfills its mission to improve the health of the community by providing outreach, health promotion, education, research, planning, technical assistance, and direct services.

Fresche Solutions offers managed services, staff augmentation, IT planning, platform, and application analysis, UI enhancements, mobile, and cloud enablement, application and database modernization.

Moven focuses on enabling banks and non-bank partners to leverage the Moven platform to acquire, engage, retain, and grow their customer base. Moven's app, debit card, and contactless payment sticker provide real-time spending insights that motivate customers to make smarter decisions and save more.  Moven Enterprise was founded in 2011 and headquartered in New York, United States.

In choosing Western, students will become part of a vibrant learning community at one of Canada's top research-intensive universities. Along with a wide variety of intellectually challenging and engaging academic programs, the University is also alive with a diverse array of opportunities for student involvement, personal growth and leadership development, and numerous co-curricular and extracurricular activities.

ImmuCell has a dedicated group of employees who are actively developing, manufacturing and selling innovative products such as First Defense®, the #1 product administered to calves for scours prevention. Our corporate capabilities and technical expertise include the following:

Conifer is a full-service real estate company that develops, constructs, owns and manages high-quality, affordable housing communities. Since its inception, Conifer has developed and/or acquired over 250 properties and over 19,000 units. Currently, we own and manage over 13,500 apartment units throughout New York, New Jersey, Pennsylvania, Maryland and Ohio.

For online services that require privacy and security, SecureKey is the identity and authentication service provider that gives consumers secure and convenient access to critical online services. Its services allow organizations to build or subscribe to an identity network that connects consumers with online services where both privacy and security are paramount. SecureKey is headquartered in Toronto, with offices in Boston, Washington D.C., and San Francisco. The company is backed by a world-class group of venture and corporate investors that include strategic investments from Visa, MasterCard, Discover, Rogers Venture Partners, and Intel Capital.

Transactis transforms traditional paper billing and payment processing by enabling businesses of all sizes to replace paper bills, statements, invoices, payments and documents with more efficient digital alternatives.  Transactis goes to market exclusively with resellers—financial institutions, technology companies, printers and business process outsourcers—to provide their customers with secure, configurable, white-label, industry-leading SaaS solutions. More than a technology provider to resellers, Transactis is a full-service business partner, delivering a broad and deep suite of sales, marketing, technical and operational support, empowering resellers to more successfully serve their clients.  Transactis meets the strictest regulatory and compliance requirements including HIPAA, SSAE 16, PCI Level 1, and SOC 2. Transactis’ investors include ff Venture Capital, MacAndrews & Forbes, Metamorphic Ventures, Safeguard Scientifics, StarVest Partners, Capital One, Fifth Third Bank, PNC, TD Bank and Wells Fargo.

Markley Group is New England’s largest and longest operating multi-tenant, mission-critical telecommunications and data center facility. The company’s flagship facility, located at One Summer Street in Boston, boasts 920,000 square feet of highly-secured white and mechanical space, and houses companies from across the globe, including all major telecommunications companies and industry-leading financial, healthcare, academic, government, entertainment, science and technology firms. Markley Group also owns and operates a 352,000 square foot mission-critical data center facility in Lowell, Mass.  The carrier-neutral facility at One Summer Street enables access to more than 80 independent network providers and 12 utility feeds from multiple substations for uninterrupted, reliable power and service, making it the intersection of all major fiber routes in New England. Featuring eight points of entry for fiber optics, One Summer Street is the centralized location to which any and all backbone networks can be delivered with unmatched performance, low latency and low costs. In addition to delivering the most robust data center infrastructure in the region, Markley Group also operates a multi-site elastic cloud that allows clients to scale resources by paying only for what they use and has partnered with EMC to be one of the first cloud providers to offer Elastic Cloud Storage (ECS) for object storage.  Markley Group’s One Summer Street also houses the Boston Internet Exchange which allows clients the ability to choose and connect to multiple and diverse networks, and is the ultimate hub for creating and developing IP peering partner relationships.  Both One Summer Street and Markley Group’s Lowell facility are maintained by on-staff operating engineers, technicians and support staff, on site 24/7/365. Markley Group’s leading services are proven by its unparalleled performance and reliability, having never experienced a primary power outage throughout its more than 15 years of operation. Markley Group’s team of professionals are always available to assist with your needs, whether it’s building a private, fully customizable data center suite or constructing a cloud computing platform.

Cedar Realty Trust, Inc. is a fully-integrated real estate investment trust that owns shopping centers. Our high-quality core portfolio of primarily grocery-anchored shopping centers straddling the Washington, DC to Boston corridor totals 10 million square feet of GLA. We are focused on creating long-term value for our shareholders and long term relationships with our tenants.

Seven Generations Energy Ltd. explores and develops oil and gas resources. The company focuses on developing non-conventional resource plays in Canada and the United States. Seven Generations Energy Ltd. was founded in 2008 and is based in Calgary, Canada.

TD Bank is a banking center that provides its clients with retail, small business, and commercial banking products and services. Headquartered in Toronto, Canada, with more than 85,000 employees in offices around the world, The Toronto-Dominion Bank and its subsidiaries are collectively known as TD Bank Group (TD). D had CDN$1.3 trillion in assets on January 31, 2019. TD also ranks among the world’s leading online financial services firms, with more than 12 million active online and mobile customers. The Toronto-Dominion Bank trades on the Toronto and New York stock exchanges under the symbol ''TD''. The Toronto-Dominion Bank is a chartered bank subject to the provisions of the Bank Act (Canada). It was formed on February 1, 1955 through the amalgamation of The Bank of Toronto, chartered in 1855, and The Dominion Bank, chartered in 1869.

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