Model Bank


Overall winner

We awarded 19 winners this year.

Reimagining Trade and Supply Chain Finance

Bank of America

Open Account Automation

Customer Centered Innovation

Bank of America

The Unified Mobile App Experience

Integration Excellence

Bank of Montreal

Bank of the West Conversion and Customer Migration

Architecting for Innovation

CBW Bank

API-Driven Transaction Banking Platform

Digital Asset Innovation


Citi Token Services for Cash and Trade

Commercial Customer Engagement

Citizens Financial Group

Citizens Digital Butler™

Industrializing AI

DBS Bank

AI Industrialization

Generative AI Application

First Investment Bank

Large Language Model Based (LLM) Virtual Assistant

Payments Innovation


Connecting Legacy and Innovation with PayZapp

Reimagining Enterprise Lending


iLens: Transforming the Lending and Borrowing Experience

Turbocharging Embedded Banking

JP Morgan

Integrated Digital Solutions

Small Business Customer Innovation

Millenium bcp

iziBizi: Delivering on the Needs of Small Business

Core Transformation

Op Financial Group

Consumer Lending Core Renewal

Empowering the Customer

PKO Bank Polski: Part 2

Value-Added Services Platform

Cloud Migration

Raiffeisen Bank International

Cloud Migration Acceleration Program

Digital Customer Onboarding

RBC Royal Bank

Client Acquisition Ecosystem

Reinventing Cash Management

Silicon Valley Bank

Digital Leading the Way Back with SVB Go

Embedded Finance

Standard Chartered

Capturing the Embedded Finance Opportunity

Capital Markets

Societe Generale Securities Services

Societe Generale Securities Services Client Portal "MySGSS"


Overall winner


Payments Innovation

Bangor Savings Bank

Programmable Payments on Card Rails

Product Innovation in Cash Management

Bank of America

CashPro Forecasting, QR Sign-In, CashPro Payments API

Retail Digital Banking Transformation

Bank of Montreal

Canadian Digital Banking Program

Customer Financial Resilience

Bank of Montreal

BMO Savings Amplifier, BMO Same Day Grace, BMO Pre-Authorized Payment Manager

Omnichannel Retail Delivery

Open Banking

Great Southern Bank

Using Compliance to Drive Innovation

Marketplace Banking


Building a Digital Marketplace for Personal Loans

Payments Processing


Intelligent Routing

Embedded Banking


Bringing the Bank to Your ERP and TMS

Supporting Customers in Time of Need

Santander Bank Polska

Distributing Funds for Humanitarian Support

Digital Transformation

Societe Generale

Transforming the Legal Department

Cloud Migration

Union Bank of the Philippines

Migrating Core Banking to the Cloud

Embedded Fintech for Small Business

United Community Bank

Turbocharging Digital Banking

Customer Engagement

Visions Federal Credit Union

Humanizing Digital with Personalized Content for Relationship Growth


Overall winner

Teachers Federal Credit Union

Client Workflow Optimization

U.S. Bank

Powering End-to-End Digital Accounts Payable

Banking as-a-Service

Pinnacle Bank

Credit Card Issuing-As-A-Service

Business Model Evolution

Goldman Sachs Transaction Banking

Excellence in Powering Embedded Finance

Digital Commercial Client Onboarding

U.S. Bank

Setting High Bar in Customer Onboarding

Core in the Cloud

Solarisbank AG

Germany's First Bank In the Cloud

Corporate Digital Banking

Bank of America

Bringing the Convenience of Mobile Cash to Management

Corporate Product Innovation

Citizens Bank

Supporting ESG Commitments for Corporate Clients

Customer Engagement

Customer Service

Digital Lending

Embedded Finance

Kasikorn Line Company Limited(KLINE)

Embedding Banking Into a Messaging Platform

Legacy Transformation

Truist Financial Corporation

Digital Straddle Initiative

Open Banking

Payit by NatWest

Delivering Open Banking Payments

Payments Infrastructure

Cámara de Compensación Electrónica

Delivering Real-Time Financial Inclusion

Payments System Transformation

IndusInd Bank

Preparing for the Next Payments Frontier

Retail Payments Transformation

MONETA Money bank

Transforming Cards with a SAAS Solution

Small Business Digital Banking


Bringing a Frictionless Digital Experience to Small Businesses

Innovation in Digital Transformation


Financial Inclusion

Bank BRI, Indonesia

Engaging the Digital Customers of the Future

Open Banking

Bank Millenium, Poland

Delivering Innovation through Open Banking

Customer Engagement

Bank of America, USA

Erica's High-Tech Touch

Financial Wellness

Bank of Montreal, Canada

Game Changing Cashflow Prediction Tool

Mortgage Lending

CaixaBank S.A, Spain

Open Banking Ignites Cross-Border Lending

Commercial Payments

Citi, USA

Making Payments Pay for Clients

Corporate Digital Banking

DBS Bank, Singapore

Hyperpersonalising Digital Customer Journeys

Legacy Transformation

Delta Community Credit Union, USA

IT Transformation Drives Credit Union Reinvention

Operational Excellence in COVID-19 Response

Discover Home Loans, USA

Distributed Work and Digital Lending

Corporate Banking in the Cloud

Goldman Sachs, USA

Reimagining Digital Transaction Banking

Retail Digital Banking

Mox Bank, Hong Kong

A New Virtual Bank

Architecting for Innovation

National Australia Bank, Australi

NABX Micro-fronted Framework

Payments Infrastructure

Payments Network Malaysia (PayNet), Malaysia

Real-Time Payments Ecosystem Empowers Rapid Growth

Credit Innovation during the Pandemic

Radius Bank, USA

Bionic PPP Response

Digital Onboarding

Royal Bank of Canada, Canada

Omnichannel Onboarding at Breakneck Speed

Payments Transformation

Royal Bank of Canada, Canada

Embedding Payments for Business

Open Banking Ecosystem Development

Taishin International Bank, Taiwan

Building an API Ecosystem

Supporting Customers in the Pandemic

TD Bank, Canada

Accelerating Customer Care

Retail Payments

Utah Community Credit Union

Engaging Tech-Savvy Customers with Digital Card Experiences

Embedded Finance

Wells Fargo Bank, USA

Enabling Partners to Offer Financial Products


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

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

Payments Services Hub Implementation

BMO, Canada

BMO Payment Hub: Modernizing Payments in Record Time

Transforming Enterprise Integration

CIBC, Canada

Revolutionizing Enterprise Integration with APIs and Microservices

Marketplace Banking

Fidor Bank, Germany

Banking as a Marketplace with Fidor Market

Financial Inclusion

Fincare, India

LAP (Loans Against Property) D.Lite

Risk Management


Fighting Financial Crime with Big Data Analysis

Banking As A Platform

JB Financial Group, Korea

Acquiring Customers via Open Banking

Digital Platform Transformation

KeyBank, US

Redefining the Digital Client Experience

Best Digital Bank

Nequi by Bancolombia, Colombia

Launching a New Digital Bank Nequi

Business Model Innovation

o2 Banking, Germany

Blending Banking and Telecom Worlds

Beyond Banking

Paytm Payments Bank, India

Building a Truly Digital Bank for India

Employee Enablement


Treasury Analytics Platform Turbocharging Sales and Product

Corporate Payments Transformation


Future-Proofing Payments

Identity Management

Rabobank, The Netherlands

Becoming a Digital Identity Service Provider

API Strategy

RBC, Canada

Driving Value Through APIs

Commercial Customer Onboarding

Santander, UK

Taking Onboarding to the Next Level

Core Technology Replatforming

Synchrony Bank, US

Core Migration and a New Customer Experience


Taishin Bank, Taiwan

Lending Reimagined

Customer Insight

Taishin Bank, Taiwan

New Heights in Data and Personalization

Customer Engagement

Umpqua Bank, US

Adding a Human Touch to Digital Banking


Overall winner

Bank of America

Best Digital Bank

DBS digibank, India

Launching Digibank powered by KAI from Kasisto

Cards Innovation

Capital One, USA

Fraud Unlock

Cash Management

Credit Suisse, Switzerland

Direct Business Multibanking Cashmanagement

Commercial Account Onboarding


CoreDocs: Digital Transformation of Global Business Onboarding

Commercial Payments

Axis Bank, India

Remittances powered by Blockchain-Based Technology

Consumer Account Onboarding

Chime, USA

Implementing a Top-of-Wallet Bill Switch Strategy via Open Banking

Consumer Channel Innovation

Banco Davivienda, Colombia

Tecla de la Casita Roja (The Key to the Little Red House)

Consumer Payments

CaixaBank, Spain

CaixaBank Pay

Core Banking Transformation

Zions Bank, USA

FutureCore: Zions Core Platform Migration to TCS BaNCS

Customer Engagement

Commonwealth Bank of Australia, Australia

Customer Engagement Engine (CEE)

Data Infrastructure Modernization

SunTrust Bank, USA

Data Infrastructure Modernization

Employee Productivity

RBC, Canada

Digital Activation Strategy

Financial Inclusion

Financial Wellness

MoneyLion, USA

Non-bank Mobile Platform using state of the art techniques to help members build financial health

Fraud Management & Cybersecurity

DenizBank, Turkey

AI detection of internal fraud

Identity Management

Sumitomo Mitsui FG, Japan

Authentication Platform as a Service


Majid Al Futaim Finance, UAE

Enterprise Transformation for Instant, In‑Store Issuance of Credit Cards

Modernizing IT Architecture

Intesa SanPaolo, Italy

Modernizing IT Architecture to Digitise the Bank

Most Promising Proof Of Concept

HSBC UK and first direct, a Division of HSBC UK, UK

Connected Money from HSBC and artha by first direct

Payments Replatforming

Allied Irish Bank, Ireland

Payments Transformation Programme

Personal Finance Experience

Post-Merger Integration

State Bank of India, India

Post-Merger Integration

Risk Management

Camden National Bank, USA

Preparing for CECL

Small Business Banking

mBank, Poland



Overall winner

CaixaBank, Spain

Banking As A Platform


Leveraging Modern APIs

Banking In The Cloud

OakNorth Bank, UK

Core Banking in the Cloud

Branch Transformation

Millennium BCP, Portugal

Customer Branch Experience 2.0

Consumer Banking Channel Innovation

Mizuho Financial Group Japan

Enhancing Customer Experience via AI and Social Medi

Consumer Digital Platform

Banco Original, Brazil

Open Banking Initiative

Core Banking Transformation

National Australia Bank, Australia

Personal Banking Origination Platform

Corporate Banking Digital Platform


FGBOnline Connected Corporate Banking

Emerging Technology For Business

Capital One, USA

Natural Language Search-Intellix Mobile

Emerging Technology For Consumers

Alior Bank S.A., Poland

Dronn Agent: The Virtual Advisor

Employee Productivity

The Royal Bank of Scotland, UK

Facebook Workplace Implementation

Financial Inclusion

India Post, India

Banking System Modernization

Fraud Management And Cybersecurity

IndusInd Bank, India

Growing Revenue While Managing Fraud

Lending Product

DenizBank, Turkey

Fast Loan for SMEs

Most Promising Proof-Of-Concept

Emirates NBD and ICICI Bank, India and UAE

Blockchain Pilot Network

Open Banking

Citi, USA

CitiConnect API

Payments Product


API Banking

Payments Replatforming

Credit Suisse AG, Switzerland

Global Payments Program

Process Automation

BMO Bank of Montreal, Canada

Digital Transformation in Personal Banking

Product Innovation

Radius Bank, USA

Becoming a Virtual Bank

Risk Management

Bank of America, USA

In Pursuit of Operational Risk and Compliance Excellence

Small Business Digital Platform

Idea Bank S.A., Poland

Idea Cloud


Overall winner

Eastern Bank

Cash Management And Trade Finance


Pricing, Billing and Reporting Platform for Business Customers

HBL (Habib Bank)

Corporate Banking Portal

Corporate Payments And Infrastructure Modernization

Bank of China

Payment System Overhaul

CBW Bank

Payments Infrastructure Modernisation

Digital Banking Transformation

Citizens Bank

Citizens Bank Wire


IoT projects

Garanti Bank

iGaranti application

Santander Bank

New Account Opening Process

Digital Payments And Cards

Bank of America Merrill Lynch

Digital Disbursements


Digital Wallet

Legacy And Ecosystem Transformation

Sberbank of Russia

Core Banking Replatforming

Umpqua Bank

Post-merger System Transformation

Vietnam Bank for Social Policies

Core Banking Modernization



ATM Analytics

Beyond Bank

Omnichannel Customer Engagement

Omnichannel Customer Engagement

New Branch Formats

Security, Fraud And Risk Management


Risk Management Platform and Basel Compliance


Biometric Log-in


Overall winner

Fidor Bank


Bank of Montreal (BMO)

Mobile App

Knab Bank

US Bank

Online Self-Servicing Platform

Innovation And Emerging Technology


Social Innovation Facility

Emirates NBD

Digital Product Innovation

Maps Credit Union

Idea Lab



Legacy And Ecosystem Transformation

BNY Mellon

Global Payments Platform

Discover Financial Services

End-to-End Banking Transformation

ING Vysya Bank Ltd

Core Banking and Data Services Modernization


Standard Bank of South Africa

Guided Sales Workbench

UMB Bank

Omnichannel Outbound Advisory Based Service Model


Omnichannel Digital Platform



International Payments Transformation


BBVA Wallet


CitiConnect ERP Integrator

Union Bank of the Philippines

Mobile Money Cash Management


Overall winner

Commercial Bank of Africa

Cash Management And Trade Finance


Mobile-based Automation of Receipts

Mashreq Bank

Integrated Cash Management Solution


Payments and Cash Management Initiative

Digital And Omnichannel


Digital Channel Redesign

Standard Bank

Financial Inclusion Program

UMB Bank

Customer Engagement Initiative

US Bank

Mobile Channel Enhancements

Innovation And Emerging Technology

Axis Bank

Relationship-based Pricing Initiative


Digital Channel Usability Initiative

Legacy And Ecosystem Transformation

Credit Union Australia

Core and Channel System Refresh

Export-Import Bank

Core Banking Transformation


Channel Transformation



Immediate Payments Initiative


Payments Infrastructure Re-make


NFC-enabled UBS Access Card


Overall winner

BBVA Compass


Value Bundles


Mobile banking initiative

BBVA Compass

Core banking transformation


Online appointment booking

Capital One

Mobile 2.0 with rewards redemption


Citi Payments Analytics initiative

Commonwealth Bank

“Right People, Right Place, Right Time” Initiative


Unified transaction banking solution

Hana Bank

Cyber Hana Bank


Global Payments Investigations platform


Next Generation Banking solution

JPMorgan Chase

Trusted Advisor Analytics initiative

JPMorgan Chase

Mobile RDC for corporate clients

Kotak Mahindra Bank

Flexcube to Finacle Replacement


Core banking migration

Regions Bank

NOW Banking initiative

Taishin Bank

Integrated Risk and Marketing Analytics Department

University Federal Credit Union

Branch transformation initiative

US Bank

Online marketing and lead management platform

Vietnam Prosperity Bank

New core lending system


Overall winner

RHB Bank Berhad


Mobile Banking Initiative

Bank of America Merrill Lynch

Payment Services Hub

Bank of Montreal

Online Banking for Business


lobal Commercial Card Platform

Coastal Federal Credit Union

Personal Teller Machines

DBS Bank

Emerging Markets and Overseas Countries (EMOC) Core Migration

Emirates NBD

Core Transformation

Fifth Third Bank

Remote Currency Manager


CRM Initiative

Huntington National Bank

Selling Technology with Technology


Account Portability

Rakuten Bank

Happy Program Customer Loyalty Initiative

Redstone Federal Credit Union

Core Development Using DNAcreator

RHB Bank Berhad

Easy by RHB

Standard Chartered Bank: Breeze Living

Breeze Living

Taishin Bank

Transaction Analytics

Taishin Bank

Unified Facility and Risk Management System

US Bank

Online Platform Transformation


Easy Deposit

YES Bank

Insights 2 Engage

YES Bank

Governance, Risk and Compliance Competency Framework


Overall winner

American Savings Bank

Technology Optimization Initiative

Bank of the West

Retail Operating Model Re-engineering


Citi Prepaid

Enterprise Bank

Merchant Capture

Extraco Bank

Swarm Banking

Hana Bank

Smartphone Banking Initiative


Multichannel Integration

JPMorgan Chase

Virtual Remit

JPMorgan Chase

US Dollar Clearing – Asia Direct

Kennebunk Savings Bank

Business Process Manager

Lagoon Home Savings & Loans

Core Migration

Metro Bank

Love Your Bank at Last


Mobile Banking Initiative

TS Bank

Core Banking Initiative

UMB Bank

Branch Workforce Management

Union Savings Bank

Surveillance Initiative

Wegagen Bank

Core Initiative

Wells Fargo

ATM Cash Tracker


Overall winner


Credit Proposals and Security Documentation Solution

Bank of America Merrill Lynch

Online Corporate Cash Management Solution


Treasury Diagnostics


Online Corporate Cash Management Solution

Fifth Third Bank

Remote Cash Capture Solution

HDFC Bank Ltd.

Loan Origination System


Automation of the Cash Deposit Process

Jibun Bank

Mobile Banking

JPMorgan Chase

Computer Registration Solution

National Savings and Investments

Systems Modernization

Northway Bank

Sales Effectiveness Solution

Rabobank, N.A.

Online Banking and Bill Payment

Star One Credit Union

Tax Filing via Online Banking

Swedbank AB

B2B e-Invoicing Solution

UMB Bank, n.a.

Integrated Claims Reimbursements Portal

Umpqua Bank

Interactive In-Store Digital Displays

United Bank Limited Pakistan

Anti-Money Laundering Solution

Webster Bank

Teller Automation Solution


Overall winner

Byron Bank

Online Financial Management Tool


Corporate Online Banking Platform


SWIFT Connectivity Solution

First Community Bank

Virtualized Application Delivery Model

First Horizon Msaver

Employer Funding Portal

First Interstate Bank

Credit Card Rewards/Loyalty Program

First National Bank of Omaha

Document Imaging and Lockbox Solution

First National Bank, South Africa

Mobile Banking


Loan Processing System

Indian Bank

Core Banking System Modernization

JPMorgan Chase

Calculator Suite for HSA Clients

JPMorgan Chase

Report and Funding Portal for Healthcare Clients

National City Corporation

Captive Utility Computing Model

PNC Financial Services

Money Management Tool

RHB Bank Berhad, Malaysia

Treasury Management System

Southern Community Bank and Trust

Online Banking Experience

Western Union

Mobile Money Transfer

Zions Bank

Online Account Opening


Overall winner

Bancorp South

Front-line pricing discipline for commercial lending

Bank of New York Mellon

Flexible Accounting Platform

Bremer Bank

Retail online banking platform


Identity Management Services

Fifth Third Bancorp

Automation of wire transfer initiation

Fortis Bank

Global payments processing platform

JPMorgan Chase

Portable Security Transaction Protocol (PSTP)

M&I Bank

Automation of business and commercial lending

National City Bank

SOA development and delivery

National City Bank

Rewards/Loyalty program

Pacific Trust Bank

Transactional mortgage account

SEB Unibanka

Multichannel customer service management

Taishin International Bank

Core banking systems replacement

TD Canada Trust

Modernization and outsourcing of ABM infrastructure and operations

Washington Mutual

Online new account opening

Wells Fargo

Mobile banking

Zions Bank

Multifactor Authentication

Zions Bank

Remote deposit capture

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