Celent Model Bank 2021
Model Bank


Overall winner

Royal Bank of Canada

Cooperative Bank Transformation

Australian Military Bank Ltd., Australia

Becoming a Modern Digital Bank

Operational Excellence

Bank of America, USA

myCTO, Operations and Transaction Monitoring Platform

Risk Management

Bank of Montreal, Canada

Modernising the AML/KYC Platform through Big Data



BBVA Open Platform

AI-Driven Customer Insights

Citi, USA

Citi Opportunity Insights

Trade Finance and Supply Chain

Citi, USA

Citi Next Generational Trade

Commercial Banking

Citizens Financial Group, USA

Beyond Digital

Customer Engagement

Commonwealth Bank of Australia, Australia

Adaptive Models in Customer Engagement Engine

Mortgage Lending

Discover Home Loans, USA

Innovating Like a Fintech to Create an Industry-Leading Mortgage Business

Transaction Banking Transformation

Emirates NBD, UAE

Realizing the Digital Leap: businessONLINE

Banking in the Cloud

EQ Bank, Canada

EQ Bank to the Cloud!

Employee Enablement

First Foundation Bank, USA

Central Business Intelligence and Service Delivery Framework: “The Vault”

Digital Payments

KBZ Bank

Driving Financial Inclusion in Myanmar with KBZPay

Core Technology Replatforming

Länsförsäkringar Bank, Sweden

Core Banking System Replacement Project

Digital Bank

Liv. by Emirates NBD, UAE

Liv. by Emirates NBD

Community Banking Transformation

Midwest BankCentre, USA

Rising Bank, a Separately Branded Digital Bank

Innovation Frontier

NatWest, UK

Quantum-Computing-as-a-Service (QCaaS) Payit

Lending as a Platfrom

OakNorth, UK

Next-Generation Credit and Monitoring Platform

Commercial Payments


Healthcare Payer Enrolment Automation

Retail Lending

RattanIndia Finance Pvt Ltd, India

Creating an End-to-End Lending Platform Hosted in the Cloud

Commercial Lending

Santander UK PLC, UK

SME, Commercial, and Corporate Lending Digitisation and Evolution

Payments Replatforming

Silvergate Bank, USA

Payments Hub in The Cloud

Payment Operations

The Bank Of New York Mellon, USA

Real Time Resiliency & Transaction Intelligence Platform

Financial Inclusion

Union Bank of the Philippines (UnionBank)

Reaching the Underserved through Open APIs (API Marketplace) | Blockchain to Bring Digital Payments to Rural Banks (Send-i2i)


Cloud Adoption

Bank of America, US

Bank of America Cloud

Process Automation

Bank of America, US

Robots Help Serve and Protect the Bank

Innovation Enablement

BMO, Canada

InnoV8, BMO’s Digital Accelerator

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