Zumigo helps the world’s largest financial companies protect accounts and consumer identities. With a multi-layer approach, Zumigo validates users against a real-time digital identity intelligence network that spans global carrier signals, third-party data, and payment information. Zumigo supports over 800 mobile operators, verifying over 4.5 billion mobile numbers globally with services reaching 180 countries.

Demo Presentation

Zumigo solution for secure form pre-fill

Zumigo solution verifies the identity of the mobile applicant via silent network authentication and OTP if needed for the mobile phone number ownership. Additional PII verification can include SSN, DOB or driver’s license. Upon verification, the form is pre-filled with the relevant information so that the applicant does not have to type on a small screen before submitting the form. This can be used as a pre-approval step before funneling to another workflow to review and approval, or can be combined with other data such as credit score for a more accurate risk assessment.

Madhu Vudali is a product management leader with extensive experience building, marketing and scaling innovative products and applications leveraging AI/ML, Data Science, and Optimization. Prior to joining Zumigo, he founded a startup applying blockchain and generative AI for personalized engagement. Madhu’s experience at leading companies includes Google, where he led transformational initiatives across Ads, Privacy, and Trust & Safety domains, creating significant revenue impact; Apple, where he made significant contributions to Apple’s Ad Platforms, Customer Privacy, and Data Governance; and Yahoo!, where he led marketplace operations and built the Data Science & Optimization practice to grow its ad business.

Madhu holds a Ph.D. in Operations Research from the University of Texas at Dallas; a master degree in Computer Science from Villanova University; and a bachelor degree in Computer Science and Engineering from Osmania University, India.

Josh Friend is a seasoned mortgage industry executive with over 25 years of experience in origination, lending, and technology innovation. As the founder and CEO of Insellerate, Josh has been a driving force in modernizing mortgage operations through automation and AI. His platform, Aithena, is used by leading lenders to operationalize AI across sales, fulfillment, and customer engagement. Josh brings hands-on expertise in deploying agentic AI in real-world lending environments—bridging the gap between strategy and execution.

LemonadeLXP is the all-in-one learning and enablement platform built for financial institutions. It combines an engaging content library, modern learning experiences, AI-powered content creation, automatic updates, and real-time answers—all in one easy-to-use platform. LemonadeLXP helps you onboard faster, boost product adoption, upskill your frontline, and enable your customers and community. It’s learning that works—and people actually like.

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LemonadeLXP

LemonadeLXP is the only AI-powered learning and enablement platform purpose-built for financial institutions. We turn knowledge into mastery to accelerate growth, drive innovation, and align your entire business ecosystem around your products and services, from frontline staff to customers.


Train with purpose. Perform with confidence.

LemonadeLXP Learn revolutionizes internal training for financial institutions. Rooted in cognitive science and powered by modern learning, it transforms passive learners into skilled, confident experts. With personalized learning paths, skill tracking, and our signature Booster Game for long-term retention, Learn ensures knowledge sticks and translates into real-world performance. It integrates seamlessly into the flow of work—boosting digital fluency, productivity, and customer satisfaction.

Educate. Empower. Elevate your brand.

LemonadeLXP Academy reimagines customer education. Deliver engaging, gamified learning experiences that help your customers understand and confidently use your digital tools and services. Built for financial institutions, Academy increases product adoption, reduces support calls, and enhances loyalty. Become a trusted source of financial knowledge—and a partner in your customers’ success.

Smart content. Instantly created, always current.

LemonadeLXP’s InsightAI transforms how financial institutions manage and deliver knowledge. It automates training content creation, keeps learning materials updated, and gives your staff 24/7 access to instant, accurate answers through a conversational AI assistant.

No more outdated content or siloed information—just empowered teams, streamlined operations, and elevated customer experiences.

Chris Olsen is the Head of Sales Engineering at Tidalwave, the Only Agentic AI Mortgage POS+ built to eliminate inefficiencies on both sides of the mortgage transaction. With a deep foundation in technology, lending, and operations, Chris plays a critical role in shaping how Tidalwave delivers value through its AI-first mortgage platform that’s transforming borrower experiences while improving lender efficiency, compliance, and ROI.

At Tidalwave, Chris leads pre-sales engineering and technical discovery—working closely with prospects, customers, and internal teams to ensure that Tidalwave’s Agentic AI doesn’t just fit within existing mortgage tech stacks but actively enhances them. His work supports Tidalwave’s broader mission: to bring real-time, accurate borrower guidance, decision-ready data, and intelligent automation to every step of the mortgage process.

Chris brings more than 15 years of experience across fintech, financial services, and enterprise software. Prior to joining Tidalwave, he served as Enterprise Relationship Manager at SimpleNexus, a nCino company, and Vice President of Sales Engineering at OpenClose Loan Origination Software. He also spent four years as a Senior Technical Solution Sales Engineer at Ellie Mae and also co-founded ClosersEdge, a software startup focused on improving the mortgage experience through custom-built solutions. All these experiences give Chris a unique perspective on innovation from both the startup and enterprise sides of the industry.

He remains a respected voice on how purpose-built mortgage technology can reduce operational drag, support compliance, and drive better outcomes for both borrowers and lenders.

Diane Yu is the Co-Founder and CEO of Tidalwave, the Only Agentic AI Mortgage POS+ built to eliminate friction on both sides of the mortgage transaction. Under her leadership, Tidalwave is modernizing home lending by combining deep mortgage expertise with Agentic AI to simplify the borrower experience, reduce application anxiety, and improve application-to-decision rates—while delivering stronger ROI and operational efficiency for banks, credit unions, and IMBs.

Prior to founding Tidalwave, Diane served as CTO at Better, where she scaled engineering operations and led platform transformation during a period of rapid growth. Before that, she was Co-Founder and CTO of FreeWheel, a video advertising platform acquired by Comcast for ≈$400Mm. She remained with Comcast for seven years as CTO of Advanced Advertising, overseeing global engineering teams across the U.S., Europe, and China.

Diane is a proven technology leader with a track record of building transformative platforms and inclusive teams. She is a vocal advocate for diversity in tech and has consistently built engineering organizations with 30%+ female representation.She has been recognized by Cablefax as one of the “Most Powerful Women” and “Most Influential Minorities” in media and was named a 2021 Working Mother of the Year by She Runs It. Diane currently serves on the Board of Directors for Magnite (Nasdaq: MGNI).

A mortgage industry partner since 2013, Verse is an AI-enabled communication platform that fully manages lead conversations for you. Verse works by automatically engaging leads via SMS, qualifying them, and booking appointments with qualified leads—and nurturing leads that aren’t ready yet. With Verse, loan officers only receive warm, qualified leads.

Cloudvirga, a subsidiary of Stewart Information Services Corporation (NYSE: STC), is a leading provider of digital point-of-sale technologies designed to engage consumers and increase lending efficiency without sacrificing the human touch. Cloudvirga’s latest innovation, Tropos, extends this approach across the entire customer lifecycle and a wide array of financial products.

Demo Presentation

Tropos

Tropos is a next-generation borrower portal that empowers lenders to deliver personalized, intuitive digital experiences. Designed with the flexibility to support a variety of consumer lending products, Tropos helps lenders drive engagement, reduce time to close, and establish lasting borrower relationships.

It’s not just a portal, it’s the answer to what’s been missing in digital lending: a unified borrower experience that adapts to any lender without requiring tech stack overhauls or lengthy implementations

Developed to address today’s operational realities based on direct input from the market, Tropos debuts with a strong value proposition for lenders looking to modernize the borrower experience across channels.

Key features include:

Fast to deploy, built to evolve

Tropos’ modern, cloud-based architecture and infrastructure-as-code (IaC) approach supports deployment in weeks—not months. Its lightweight design and product-agnostic integration layer allow lenders to connect Tropos with any existing LOS or third-party provider. Lenders can easily tailor application flows, tasks and notifications without the need for custom development or major IT investment. Tropos also gives lenders the tools to continuously optimize the digital experience, including A/B testing, real-time messaging updates and data-driven insights to improve borrower engagement over time.

John Lowenthal leads Mortgage Sales at Ocrolus, a leading fintech platform leveraging artificial intelligence to automate document processing and underwriting for the mortgage industry. With over nine years at Ocrolus, John has played a pivotal role in scaling the company’s mortgage presence and driving innovation across lending workflows.

He has partnered with a wide range of lenders, particularly within the top 25 mortgage institutions, helping them modernize operations with intelligent automation, AI-driven data analysis and frictionless borrower experiences. His deep understanding of the mortgage lifecycle, coupled with a strategic approach to enterprise engagement, has made him a trusted advisor for digital transformation in lending.

John is passionate about helping financial institutions harness the power of AI to make faster, more informed decisions and is committed to shaping the future of mortgage technology through scalable, data-driven solutions.

ActiveProspect is a SaaS platform on a mission to make consent-based marketing the best method for customer acquisition. ActiveProspect’s comprehensive product suite empowers companies to increase conversion rates by taking real-time action on leads, protect themselves from litigation by documenting independent proof of consent, and save money by providing new levels of data insights and control.