Yodlee fintech. 7. Startups that are good at branding have a very clear purpose for what they want the organization to accomplish. We kicked off the Incubator in November 2014 and our first class was a great success; we’re trying to make the new class even better. This is a partnership that only works if both sides are clear on what the other needs. We wanted to create a software solution that would give investors the same transparency and efficiency with their real estate holdings as they have come to expect with any other investment. Working in fintech requires awareness of the compliance and security obligations inherent with handling financial data. Solve a Personal Tech Problem. Every fintech startup dreams of making a big impact and serving millions of folks. Jan 17, 2020 · Photo: Alex Wong/Getty Images. How to succeed in the Ynext Incubator, in Charlotte-based Carolina Fintech Hub partnered with The Clearing House, Oracle and Yodlee to host the RTP Buildathon last month. Currently the CEO of cloud back-up provider Zetta, he previously helmed SugarSync FinTech developers will be able to rapidly integrate with the Envestnet | Yodlee platform with the help of code samples, software development kit, tutorials, quick start guides and webinars. Oct 16, 2020 · Australia fintechs using Envestnet Yodlee include Xero and 86 400. Innovate from every angle Envestnet | Yodlee has partnered with Benzinga to recognize innovation in FinTech. RPA involves automating existing processes to eliminate the need for human touch points so more time and money can be spent on higher value tasks. Explore our products and solutions Envestnet | Yodlee products and services offer opportunities for FinTech companies to launch new solutions quickly and effectively–including our Sandbox Environment that allows you to start for free and scales as you grow. Robotic Process Automation. Open banking APIs and rigorous security protocols make accessing the data possible so banks can learn and understand more about what their customers want and Financial institutions and FinTech innovators rely on our solutions to deliver powerful, personalized apps and services for their customers. “At the end of the day people won’t remember what you said or did, they will remember how you made them feel. build and scale your ideal financial planning offering. We offer developer solutions to help validate FinTech ideas and launch them into full-blown solutions. Delivering Analytics and Insights for FinTechs, Financial Institutions and Merchants. Approach the conversation with full transparency on your baseline - business plan, target market, and growth aspirations. och har intressant nog över 400 Compliance Can Be Your Friend. The founder and CEO of Zenefits was compelled to step down after charges from various state regulators that the Envestnet | Yodlee is a Data Steward. Banking and FinTech APIs 101. Dec 31, 2023 · Envestnet | Yodlee has proudly fueled innovation for financial institutions and fintech companies since 1999 through data, APIs, and FinApps. He has worked with a variety of ground-breaking startups, well known tech giants and established financial The award-winning Envestnet | Yodlee Incubator, currently in its 5th year, continues to connect disruptive data-driven startups with the mentorship and strategic guidance necessary to grow a successful business, while also providing free access to the leading Envestnet | Yodlee Financial Data Platform. The IGG Software team believes that their relationship with Envestnet | Yodlee is a partnership. With Launchpad, Yodlee is sharing their expertise to startups of all sizes. Feb 23, 2021 · Jeff formerly oversaw Envestnet | Yodlee’s Incubator, giving him firsthand knowledge of the participants and their companies, making him distinctly qualified for the role. previous next. Monefly is an innovative new Fintech platform in Australia, focused on providing tools and resources that empower its members to grow income, reduce expenses, build assets, eliminate debt and protect themselves from risk. Picking the right partner can help you to meet these obligations while reducing the amount of time and resources you'll spend implementing them. Anil Arora, CEO of Envestnet | Yodlee and Vice Chairman of the Envestnet Board, will participate in the Singapore FinTech Festival 2016, highlighting the company's continued momentum in Asia Pacific. Transaction Data Enrichment. App developers need to be in full security The day was packed with panels, fireside chats and of course Benzinga’s Global Fintech Awards, powered by Envestnet® | Yodlee®. Pro: MoneyGuidePro®, our flagship product, has been named the #1 Financial Planning Software 11 years in a row [1]. Below is an expert interview with Jason O’Shaughnessy, VP of International at Yodlee Interactive. Envestnet | Yodlee® is the leading data aggregation and analytics platform enabling innovation and insights for financial service providers. Our platform powers more than 1,100 companies – including FinTech startups, tech innovators — as well as many small, regional, and national banks. We are particularly experienced at helping FinTech startups What We Do. As an avid supporter of the Dutch FinTech Hackathon, our partners at Rabobank asked us to share our thoughts on the future of banking. Application programming interfaces are at the heart of every amazing app and digital experience. She has had an extensive career in fintech including employment at Merrill Lynch, Google and Amazon. Use that leverage to go further faster. Aug 16, 2018 · An award winning program, the Envestnet | Yodlee Incubator connects disruptive data-driven startups with the mentorship, strategic guidance, and network to help grow their businesses, while also providing free access to the leading Envestnet | Yodlee Data Aggregation Platform. FinTech is changing the way consumers interact with FIs by increasing the efficiency of services and shaping bold new service offerings. David Nohe, CEO FinGoal. Mar 13, 2024 · Enable hyper-personalized FinTech experiences with the most comprehensive, accurate data and intelligent APIs. But they say the framework is designed to put the consumers’ needs first. Asa Candler, an aggressive marketer who took over the company in the 1890s, took the concept further and had his employees hand out "complimentary Roostify co-founder Rajesh Bhat suggests the faster you can get going and start playing with the Yodlee data, the sooner you’ll be able to find the problems that are bound to occur and address them in real time. We focus mostly on fintech, or at least the parts of fintech that can leverage Yodlee’s platform of consumer and small business financial data. Browse our library of white papers, on-demand webinars, eBooks, case studies, and more–all packed with product information, actionable advice and invaluable insights. It drew 13 enterprise participants with more than 50 people registered, said Tariq Bokhari, executive director of CFH. Apr 12, 2021 · Through the partnership between startup Productify and Envestnet® | Yodlee®, for instance, FinTech developers have immediate access through a single interface to data aggregation and account verification services plus Automated Clearing House (ACH), card issuance, credit data, and more to accelerate the launch of a FinTech app with embedded Jul 26, 2016 · So, banks need to move closer to the forefront of innovation and user experience, otherwise they will miss out on Gen Y altogether. Jul 29, 2020 · Financial data aggregation companies like Envestnet | Yodlee enable banks with access to highly valuable financial data that can be used to fuel even more innovation in the FinTech sphere. The Envestnet | Yodlee Aggregation API provides a host of useful tools, references, sample code and guides to help partners succeed. Sep 27, 2017 · Monefly launches free Fintech platform with Envestnet | Yodlee financial data. Nov 2, 2018 · Here are five use cases for AI in financial applications. Web Site: https://www. To leverage the opportunities of next-generation banking opportunities and minimize the risks, financial institutions and fintech providers are partnering for success, teaming up with experienced vendors to apply predictive analytics and AI to a massive scale of data to derive valuable insights and power more personalized and proactive user Join thousands of institutions and FinTech pioneers leveraging the best financial APIs, apps, and data. Stripe, for example, solved the problem of complicated online transactions by allowing companies to add a few simple lines of code to their site to accept payments. Jun 29, 2015 · Chris Chen, Senior Vice President and General Manager of the API team at Envestnet | Yodlee delivered the keynote speech at the 2015 Fintech Startups Conference. 25, 2017 /PRNewswire/ -- Envestnet | Yodlee (NYSE: ENV ), a leading data aggregation and analytics platform powering dynamic, cloud-based innovation for digital financial services, today announced its Incubator program has been awarded a Silver Fintech Finance magazine award in the "Best Hub / Accelerator of the Year Yodlee has taken heat on reselling anonymized data to investors and others. As a global leader in data aggregation and data analytics, Envestnet | Yodlee delivers solutions that help consumers live better financial lives. May 3, 2018 · How can financial institutions and fintech developers leverage real-time financial data to enable a wide variety of use cases for all lines of business – from retail, to wealth, to lending? The Envestnet | Yodlee Financial Data Platform now provides easy access to deep user-permissioned data via a single, unified API. Envestnet | Yodlee is one of the original FinTech companies, founded in 1999, when the digital revolution was in its infancy. Earlier in Poskitt's career he worked in global banking Nov 15, 2016 · CONTACT: Tim Scarfe, LEWIS for Envestnet | Yodlee, yodlee@teamlewis. Data-driven strategies like AI, machine learning, and analytics are transforming financial services and driving hyper-personalization at scale – which is taking product development, marketing, and customer satisfaction to new heights. “Whether in the bank space where Yodlee has largely played or the broader wealth management arena that Envestnet serves, to the degree that the firm wants to support enterprise client-engagement capabilities (like client portals, account aggregation, advisor/client collaboration), the Abe IA deal makes a great deal of sense,” Spitzner said. Banks. Dec 7, 2019 · Yodlee also offers Transaction Data Enrichment, which taps into 18,000+ global data sources from more than 22 million active users to provide the largest, most comprehensive data coverage available. , Jan. This year Yodlee honored 5 companies, including international. Jul 20, 2015 · Credit for the “freemium” business model is probably owed to the inventor of Coca-Cola ®, Dr. Our APIs are designed to help FinTech companies test and launch solutions securely that scale as they grow. For the second consecutive year, Envestnet | Yodlee and Benzinga joined forces to celebrate the companies and people achieving great things in the FinTech ecosystem. Jan 25, 2022 · 1. The data aggregators argue the framework’s principles are critical to follow in order to avoid a fractured market that could put consumers’ data at risk of being held hostage. Our suite of developer tools helps secure access to data and facilitate growth in FinTech companies. Jul 24, 2015 · FinTech Sandbox is a non-profit organization based in Massachusetts that focuses on promoting financial technology innovation. The success of the Envestnet | Yodlee Incubator can be seen What We Do. yodlee. com. Build business intelligence. Pemberton, who wandered the streets of Atlanta encouraging people to try his new drink. But just to back up those thoughts, we decided to gather some facts about our companies, to prove they’re amazing. December 8, 2020. The last trend coming out of our applications, and this trend was clearly the strongest in terms of number of applications, was the growth of fintech businesses specifically targeting millennials. IGG Software. Learn More. Download PDF. Explore our products and solutions Jun 15, 2021 · Envestnet | Yodlee surveyed over 200 decision makers from U. Pairing this data with cutting-edge machine learning techniques results in a highly-enriched set of industry-leading digitized transactions. Resource Type. FinTech: The New Core of Financial Services. Established institutions benefit With over 100 applications from around the world, almost all early stage, our pool provides a good picture of what entrepreneurs are working on and what will be coming to market in the next 12-18 months. Pairing the regulatory strengths and market reach of the Jul 29, 2019 · Top FinTech Startups and Major Companies to Watch in 2019. Our innovative products and services are trusted by more than 1,400 financial institutions and FinTech companies, including 15 of the top 20 U. Products. Mar 3, 2017 · Those recipients will be given a fast track application to the Envestnet | Yodlee Incubator program, and further mentorship from our roster of mentors and experts. When you partner with us, you’ll benefit from our in-depth knowledge and experience of what it takes to build quickly and scale as you grow. Here are Maria’s words of advice: To be truly successful as a fintech startup, you can’t just be a risk taker. He has extensive experience working with FinTech startups, is educated and trained in executive leadership, employee engagement, and sales Jul 29, 2019 · Of course, when we think of mobile fintech, most people think of money transferring and payment apps like PayPal, Venmo, Cash, and even Apple Pay and Google Pay. Our platform has proudly fueled innovation for financial institutions (FIs) and FinTech for more than 20 years ultimately helping consumers get better lending rates, lower fees, higher returns, and more. 1. No one has more experience bring fintech innovation to enterprise scale than Yodlee. Social payment apps like Venmo allow consumers to easily send and receive money from one another via ACH payments on the ACH Network. banks, wealth management, and FinTech firms on their expectations regarding open banking in the near-term and long-term. Expand Fullscreen. Jun 10, 2020 · Bringing FinTech Ideas To Life With Envestnet | Yodlee . Learn more about our products and solutions. Here are a few fintech trends we're keeping an eye on in 2019 and beyond. Execute with confidence. Envestnet | Yodlee retail data analytics leverages de-identified consumer transaction data from millions of de-identified accounts to uncover valuable insights in a variety of areas including: retail, media, credit-decisioning, fraud reduction, and more. 3. He explained how e-commerce has evolved into a Leverage FinTech DNA. Apart from the upfront costs to implement the technology, banks Mar 14, 2017 · In the FinTech community, more than 500 FinTech companies and 550 financial institutions leverage the Envestnet ® | Yodlee ® Financial Data Platform to power their applications – including retail banking, small business banking, payments, lending, wealth management and more – which ultimately helps consumers improve their financial well Jun 30, 2023 · Envestnet | Yodlee has proudly fueled innovation for financial institutions and fintech companies since 1999 through data, APIs, and FinApps. The Envestnet | Yodlee Incubator helps you launch disruptive Jun 30, 2020 · Venmo. Protecting the personal information of those who use our customers’ products and services is a top priority. Jan 31, 2017 · REDWOOD CITY, Calif. Stessa is this tool for real estate investors. By applying artificial intelligence, Yodlee enables financial institutions and FinTech innovators to deliver better outcomes and solutions for their customers. These apps let you send and receive money between friends, transfer it to your bank account, or even pay for things at the register. The hackathon seeks to solve problem statements in three areas: retail banking, corporate banking, and banking as a platform. We’d like to share the inspiration behind our Ynext program and how you can get involved with the incubation piece. Financial professionals and fintech companies Dec 22, 2023 · Fintech Revolution: Open Banking levels the playing field for Fintech startups, allowing them to build user-centric solutions powered by readily available data. Robinhood. When looking for your niche in the world of FinTech app building, it’s important that your product actually solves a real-life problem. 31, 2017 /PRNewswire/ -- Envestnet | Yodlee (NYSE: ENV), a leading data aggregation and analytics platform powering dynamic, cloud-based innovation for digital financial services, today announced it is partnering with Varo Money Inc. Originally published by the Financial Standard Envestnet Yodlee has appointed Tim Poskitt as country manager for Australian and New Zealand operations. Apoorv Awasthi is a Developer Evangelist at Yodlee Interactive, where he promotes the use of financial data to drive innovative FinTech solutions. ”. Solutions. 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. For more information about Citi Tech for Integrity Challenge, please visit The challenge is to identify the gap between what the market needs and what you can provide, then figure out if there is enough money out there for your product and, if so, how you are going to get it. Aug 11, 2014 · On July 11, 2014, VentureBeat published a story on how “Yodlee Interactive’s incubator program gives fintech startups $20K for no equity. WASHINGTON—Financial-data firm Yodlee might be selling consumers’ personal financial data without proper consent, three lawmakers said in a Friday letter calling Build trust with your bank. Robotic Process Automation (RPA) is an emerging trend about to make a splash in the FinTech industry. So there you have it. Any startup should understand that the bank-to-business relationship is vital. Sep 12, 2014 · Below are insights from Apoorv Awasthi, Developer Evangelist at Yodlee Interactive. The Ynext Incubator helps developers, innovators, and entrepreneurs launch disruptive products with transactional financial data. Partnering with Yodlee is one of the best decisions I’ve made as a founder. It’s an opportunity for a senior executive from a giant bank in New York, Chicago Mar 21, 2017 · In that way, we've earned trust as the de facto standard in the fintech industry. Yodlee for their financial data. With our products like our Aggregation API, Transaction Data Enrichment, and Financial If I were to summarize all the above, it would boil down to this: use leverage. Expand service options. The achievements categories are: Most Innovative Financial Institution: Financial institutions that have recently implemented technology allowing users to improve their financial wellness. Apr 26, 2019 · Thanks to new trends like blockchain, artificial intelligence, and mobile payments, financial technology is able to connect the different applications and services banks and financial industries are offering their customers. Below are insights from Christine Loredo, VP of Programs and Partnerships at Chatbots and Conversational Banking Power Customer Centricity. From early-stage startups to technology enterprises, we are dedicated to bringing that magic to our developer community. A recent high-profile case involving one of Silicon Valley’s most promising “unicorns” graphically illustrated the challenges for fintech startups trying to disrupt a highly regulated industry. In fact, our city was named as one of the top global FinTech hubs in a recent Both of these fintech startup trends reflect a desire to lower the cost of customer acquisition. We took our own Envestnet | Yodlee Incubator, which is considered one of the top fintech accelerators in the world, and created a two-day mini version, with workshops and speakers Additionally, Envestnet | Yodlee will be giving away £100 Amazon gift vouchers as prizes to each member of one team in each location for best use of Yodlee technology. Jul 14, 2015 · How to Build a Secure Financial App. Some of these exciting tools include free Jun 29, 2017 · FinTech Exchange was hosted by my company, Barchart, and our partners at FinTEx Chicago, a collaboration of financial and technology partners seeking to turn Chicago into a major FinTech hub (Note: Envestnet® | Yodlee® is one of the partners of FinTEx Chicago). Finally, when it comes to personal management Dec 6, 2018 · An award winning program, the Envestnet | Yodlee Incubator connects disruptive data-driven startups with the mentorship, strategic guidance, and continuous guidance on all aspects of growing a business, while also providing free access to the leading Envestnet | Yodlee Data Platform. Jul 8, 2015 · Yodlee Interactive has enabled over 350+ internet innovators to build powerful fintech solutions in the market. With AI technology, now it's possible to automate processes to manage tasks like understanding new rules and regulations or creating personalized financial reports for individuals. Dec 5, 2016 · The members of the 2016–2017 Envestnet | Yodlee Incubator program are: As part of the Envestnet | Yodlee Incubator class, members will receive mentorship from fintech influencers, have access to networking events and be connected with funding support, and receive continuous guidance on all aspects of growing a business. S. REDWOOD CITY, Calif. , a mobile-only banking startup that helps consumers gain greater control of their On January 27 th-28 th, I attended the CREDIT Conference, a fintech and marketplace lending event at Pier 27, San Francisco dedicated to Sino-US collaboration. As one of the leading financial API creators for the last 20 years, Envestnet | Yodlee ® has worked with many fintech startups and financial solutions, helping them support their users and consumers. Fact: The idea that fintech companies operate in a regulatory vacuum or without appropriate Jul 29, 2014 · Forbes: Yodlee Increases Bank Loyalty 5X, Launches FinTech Lab Check out Tom Groenfeldt's article about Yodlee Interactive in Forbes Retail banks value Yodlee’s personal financial management (PFM) service, which pulls together all of a customer’s financial information from multiple accounts, because it improves retention, said Joe . Mar 30, 2017 · Fintech Trends at the Envestnet | Yodlee Incubator I view our funnel of applications as forward-looking radar , capturing what the earliest stage fintech entrepreneurs are working on. In honor of Top 10 lists everywhere, here are ten great things that graduates of the Yodlee Incubator have done: Betway är ett väldigt populärt alternativ i Sverige svenska casino på nätet. Collaboration is supporting growth for incumbent FIs, established FinTech companies, and FinTech startups. It provides financial data and infrastructure to up-and-coming startups by partnering with innovative data providers including Xignite™, Yodlee®, Thomson Reuters, FactSet and S&P Capital IQ, etc. Our platform has proudly fueled innovation financial institutions (FIs) and fintech for over 17 years ultimately helping consumers get better lending rates, lower fees, higher returns, and more. Dec 8, 2020 · Understanding the Value of a Vibrant FinTech Ecosystem. Kabbage. Custom Solutions: From UI design and development to SAML consulting and custom integrations, we handle all types of custom implementation Nov 10, 2015 · Ynext Incubator Results: Driving Fintech Innovation and Investment. 92% of those survey ed agree that consumers are the ultimate beneficiary of open banking. So we created Stessa as a way to solve our own problems and enable all income property owners to easily track As mentioned in Innotribe’s Power Women in Fintech, Sukinder Singh Cassidy is the Co-Founder of Yodlee and the CEO and Founder of Joyus. Dec 20, 2023 · Watch the webinar on demand. Previous Flipbook. A speaker at one of this year's Envestnet | Yodlee Incubator bootcamps, Mike Grossman may well be the quintessential serial CEO. Yodlee’s data reach includes billions of transactions. Underpinning these challenges is the expectation that banks will continue to provide fortress-like security. Integration: With an in-depth understanding of Envestnet | Yodlee solutions and banking system environments, our Professional Services team can help you seamlessly integrate and successfully launch quickly. ” – Maya Angelou Brand strategy consultant Deirdre Davi, who has worked with clients like Facebook, Google, Adobe and other tech giants, believes these words from Maya Angelou capture the essence of storytelling for businesses — the goal of which should be connecting with your Account Verification. FinTech Manager EMEA Jack manages Fintech sales for Envestnet | Yodlee in EMEA engaging with both B2B and B2C companies varying from 2 people startups to some of the biggest tech enterprises globally. In essence, the message is to start the process very early and define very clearly for yourself, your Five Key Lessons for First-Time Startup CEOs. He gave a compelling description of the state-of-the industry as well as some tremendous insights about where fintech is headed. Improve customer loyalty. Also, Techies is a portrait project focused on sharing stories of tech employees in Silicon Valley. Finally, they will have six-month access to our APIs with developer support, which is worth up to $85,000. And because Envestnet ® | Yodlee ® is committed to helping fintech developers everywhere, we hosted the first ever Launchpad London on June 20 – 21, 2018. One: MoneyGuideOne is a streamlined version of MoneyGuidePro®, designed to get a quality plan result in less than 5 minutes. We incorporate the same principles of good faith and integrity that guide our fiduciary obligations to investment advisor clients when acting as responsible stewards of the financial data fueling Jul 19, 2017 · At Envestnet | Yodlee, we don’t find this to be true and would like to debunk some common myths about privacy, security and consumer data rights: Myth: Fintech is like the “Wild West,” operating without any regulation or government oversight. Our Services We go above and beyond to understand your business, help you solve critical data and technology problems that drive customer loyalty. Envestnet | Yodlee's Financial Wellness Solutions and Conversational AI enable financial service providers to make the shift toward customer centricity on the devices they use most. Envestnet® | Yodlee® is a leading data aggregation and data analytics platform powering dynamic, cloud-based innovation for digital financial services. He has led five entrepreneurial, venture-backed SaaS companies over the past 20 years. Read More. Envestnet | Yodlee is a passionate partner in the FinTech ecosystem in many ways. John S. It helps cutting-edge developers and visionary business partners launch and grow with the tools and services needed to support their innovation. Processes that previously took hours, sometimes days, can now happen almost May 20, 2019 · The Envestnet | Yodlee twist is that a number of finance executives who are also customers have been invited. Jun 30, 2023 · Envestnet | Yodlee has proudly fueled innovation for financial institutions and fintech companies since 1999 through data, APIs, and FinApps. Everything our incubator provides – the mentors, the experts, the deals, the technical support from Yodlee – helps founders leverage their time and energies. Born out of our award-winning Yodlee Incubator, Launchpad is an ecosystem that enables connection, education and ultimately growth for companies of all sizes with a need for FinTech. Envestnet | Yodlee Account Verification provides a safe, secure, and fast way for companies to bring consumers on board quickly and efficiently. Contact us to learn more! Recently we had our very own hackathon at the Yodlee® office in Bangalore, India. Unleashing the Power of AI: The Crucial Link Between Data and Training Models. The program includes two “tech days” in which you can get hands-on with Yodlee data. The three CEOs and their companies each offer a unique differing viewpoint within the wider FinTech world. com, 510-399-9032. People want to know why they should care about you versus everyone else. Click here to get back to the podcast page. Process Automation. Featuring Christine Loredo, VP Evangelism at Envestnet Yodlee & Holly Weckler, FinTech API Jedi also at Envestnet Yodlee. The portal is "one stop shopping" for FinTech developers. He was previously head of alternative finance and fintech at Illion. It’s a good way to learn about emerging trends, to see what’s hot and what’s not in the world of startups leveraging financial data. Only Envestnet | Yodlee brings together data + intelligence using the best financial data available. By enabling FinTech programs to communicate directly with bank servers, API platforms make it possible for FinTech to gain secure, authorized access to the financial data they need for their apps and innovations. There are five areas you need to address to make an assessment of product/market fit: At a recent Envestnet | Yodlee Incubator Bootcamp, Maria Potapov, a partner in Stratis Advisory with two decades of experience in risk management and startups, provided tips to help fintech entrepreneurs forge ahead. The development of this FinTech technology has revolutionized how consumers send money to each other instead of needing to have cash on hand at all times. There were prominent speakers and attendees from leading financial institutions, fintech companies and lending platforms such as Lending Club, Prosper, Kabbage and Avant; and San Francisco's mayor, Edwin Lee, even spoke. They understand that consumers care about your story. Fintech innovators, on the other hand, tend to have a “follow the customer” philosophy. As the financial industry continues to transform by leveraging AI and machine learning for countless applications, FinTech companies like Envestnet | Yodlee are providing consumers the tools and solutions needed to control their financial destinies. ag ha lg zg ce gq xv fi si rv