Fueled by technological advancements as well as shifting demographics and consumer preferences for more personalized, intuitive user experiences, the financial services industry is more focused on digital innovation than at any other point in its history. The emergence of new and disruptive financial technology has been significant and is fueling the need for innovation by traditional financial institutions attempting to keep pace. Envestnet | Yodlee has been at the forefront of driving innovation in digital financial services, enabling financial institutions and Internet services companies to deepen customer engagement and provide more personalized financial applications, services, and advice. As the pioneer in data aggregation, Envestnet | Yodlee currently supports the depth and breadth of financial data by aggregating from more than 16,000 data sources – including more than 1,000 companies with more than 21 million registered users and billions of transactions. Whether it is a financial institution or a fast-paced Internet company, fintech innovation fundamentally requires 3 critical elements: data aggregation and intelligence, information security, and state-of-the-art applications. Ever since our company was founded in 1999, we've seen enormous changes in security, privacy, and authentication, as well as advancements in data aggregation and data intelligence. With over 17 years of experience integrating with the largest financial institutions in the world and the most advanced Internet innovators, we continue to meet or exceed the most rigorous security and regulatory requirements in the industry. In that way, we've earned trust as the de facto standard in the fintech industry. The Envestnet | Yodlee Financial Data Platform — which provides access to consumer permissioned transaction data through our Aggregation API or Account Verification API is the preferred technology for the financial services community. Competitive offerings also lack Envestnet | Yodlee’s bank-level security, 80 issued patents, best-in-class data from over 16,000 sources, and our formal agreements with leading financial institutions for responsible and secure management and exchange of data. Some of these patents focus on Data Aggregation and Intelligence based on the depth and breadth of data we gather. We partner with the largest financial institutions, garnering approximately 70% of this financial data through structured data feeds and enabling a massive data network associated with tens of millions of consumers. Not only does the data improve with every user through self-learning categorization algorithms, it enables operational efficiencies, attracts a strong developer ecosystem, permits powerful social benchmarking, and empowers consumers with the knowledge to improve their financial well-being. Leveraging our financial data intelligence, the Envestnet | Yodlee platform helps financial institutions and Internet services companies develop innovations that can deliver better financial outcomes for their customers by enabling more predictive user experiences, continually engaging consumers to provide more information and offering actionable guidance that encourages users to move toward their financial goals. This is where the future of banking is heading: providing personalized experiences by aggregating and analyzing billions of transactions, then delivering a customized experience to every bank's customer to match their preferences, financial goals, and even learning style. Secondly, Security is paramount to delivering safe and trusted financial services for consumers. As an FFIEC supervised Technology Service Provider, Envestnet | Yodlee adheres to, and in many cases, exceeds, the security and risk management standards required to engage with consumers and their financial data. Envestnet | Yodlee has been addressing the questions and concerns of outsourced cloud computing for over a decade and is consistently recognized as having the strongest operational and security standards in the industry. Envestnet | Yodlee is supervised by U.S. banking regulators and undergoes yearly audits from two independent organizations. Approximately 1,000 of our clients access the independent audits, 150 – 200 conduct formal audits, and 40 conduct onsite audits. Finally, our Innovative FinApps create unique and differentiated experiences for retail banking, small business banking, wealth advisory clients, and many more. An ecosystem of financial applications have been built with our technology to transform the way consumer’s interact with their finances through digital banking, personal finance, and money management offerings. The financial services industry has changed so much especially after the Great Recession in 2008. People want more control over their money by using personalized financial apps and services delivered through an omni-channel experience. To meet consumer’s changing expectations, we’re continuing to drive innovation in digital financial services by enabling access to data through rich APIs so developers, Internet innovators, and financial institutions alike can build the future of digital finance. For more information about how to securely access over 16,000 data sources covering all types of financial data including checking, savings, credit card, loan, mortgage, brokerage and 401K accounts, visit https://www.yodlee.com/financial-products/api-apps-data.