2024
Overall winner
We awarded 18 winners this year.
Reimagining Trade and Supply Chain Finance
Open Account Automation
Customer Centered Innovation
The Unified Mobile App Experience
Integration Excellence
Bank of the West Conversion and Customer Migration
Architecting for Innovation
API-Driven Transaction Banking Platform
Digital Asset Innovation
Citi Token Services for Cash and Trade
Commercial Customer Engagement
Citizens Digital Butler™
Industrializing AI
AI Industrialization
Generative AI Application
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
Integrated Digital Solutions
Small Business Customer Innovation
iziBizi: Delivering on the Needs of Small Business
Core Transformation
Consumer Lending Core Renewal
Empowering the Customer
PKO Pay Later
Value-Added Services Platform
Cloud Migration
Cloud Migration Acceleration Program
Digital Customer Onboarding
Client Acquisition Ecosystem
Reinventing Cash Management
Digital Leading the Way Back with SVB Go
Embedded Finance
Capturing the Embedded Finance Opportunity
2023
Overall winner
ICICI Bank
Payments Innovation
Programmable Payments on Card Rails
Product Innovation in Cash Management
CashPro Forecasting, QR Sign-In, CashPro Payments API
Retail Digital Banking Transformation
Canadian Digital Banking Program
Customer Financial Resilience
BMO Savings Amplifier, BMO Same Day Grace, BMO Pre-Authorized Payment Manager
Omnichannel Retail Delivery
eStore
Open Banking
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
Distributing Funds for Humanitarian Support
Digital Transformation
Transforming the Legal Department
Cloud Migration
Migrating Core Banking to the Cloud
Embedded Fintech for Small Business
Turbocharging Digital Banking
Customer Engagement
Humanizing Digital with Personalized Content for Relationship Growth
2022
Overall winner
Teachers Federal Credit Union
Client Workflow Optimization
Powering End-to-End Digital Accounts Payable
Banking as-a-Service
Credit Card Issuing-As-A-Service
Business Model Evolution
Goldman Sachs Transaction Banking
Excellence in Powering Embedded Finance
Digital Commercial Client Onboarding
Setting High Bar in Customer Onboarding
Core in the Cloud
Germany's First Bank In the Cloud
Corporate Digital Banking
Bringing the Convenience of Mobile Cash to Management
Corporate Product Innovation
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
Digital Straddle Initiative
Open Banking
Delivering Open Banking Payments
Payments Infrastructure
Cámara de Compensación Electrónica
Delivering Real-Time Financial Inclusion
Payments System Transformation
Preparing for the Next Payments Frontier
Retail Payments Transformation
Transforming Cards with a SAAS Solution
Small Business Digital Banking
Bringing a Frictionless Digital Experience to Small Businesses
Innovation in Digital Transformation
2021
Overall winner
Varo Bank
Financial Inclusion
Engaging the Digital Customers of the Future
Open Banking
Delivering Innovation through Open Banking
Customer Engagement
Erica's High-Tech Touch
Financial Wellness
Game Changing Cashflow Prediction Tool
Mortgage Lending
Open Banking Ignites Cross-Border Lending
Commercial Payments
Making Payments Pay for Clients
Corporate Digital Banking
Hyperpersonalising Digital Customer Journeys
Legacy Transformation
Delta Community Credit Union, USA
IT Transformation Drives Credit Union Reinvention
Operational Excellence in COVID-19 Response
Distributed Work and Digital Lending
Corporate Banking in the Cloud
Reimagining Digital Transaction Banking
Retail Digital Banking
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
Bionic PPP Response
Digital Onboarding
Omnichannel Onboarding at Breakneck Speed
Payments Transformation
Embedding Payments for Business
Open Banking Ecosystem Development
Taishin International Bank, Taiwan
Building an API Ecosystem
Supporting Customers in the Pandemic
Accelerating Customer Care
Retail Payments
Engaging Tech-Savvy Customers with Digital Card Experiences
Embedded Finance
Enabling Partners to Offer Financial Products
2020
Overall winner
Royal Bank of Canada
Cooperative Bank Transformation
Australian Military Bank Ltd., Australia
Becoming a Modern Digital Bank
Operational Excellence
myCTO, Operations and Transaction Monitoring Platform
Risk Management
Modernising the AML/KYC Platform through Big Data
Banking-as-a-Platform
BBVA Open Platform
AI-Driven Customer Insights
Citi Opportunity Insights
Trade Finance and Supply Chain
Citi Next Generational Trade
Commercial Banking
Beyond Digital
Customer Engagement
Commonwealth Bank of Australia, Australia
Adaptive Models in Customer Engagement Engine
Mortgage Lending
Innovating Like a Fintech to Create an Industry-Leading Mortgage Business
Transaction Banking Transformation
Realizing the Digital Leap: businessONLINE
Banking in the Cloud
EQ Bank to the Cloud!
Employee Enablement
Central Business Intelligence and Service Delivery Framework: “The Vault”
Digital Payments
Driving Financial Inclusion in Myanmar with KBZPay
Core Technology Replatforming
Core Banking System Replacement Project
Digital Bank
Liv. by Emirates NBD
Community Banking Transformation
Rising Bank, a Separately Branded Digital Bank
Innovation Frontier
Quantum-Computing-as-a-Service (QCaaS) Payit
Lending as a Platfrom
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
SME, Commercial, and Corporate Lending Digitisation and Evolution
Payments Replatforming
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)
2019
Overall winner
Citi
Cloud Adoption
Bank of America Cloud
Process Automation
Robots Help Serve and Protect the Bank
Innovation Enablement
InnoV8, BMO’s Digital Accelerator
Payments Services Hub Implementation
BMO Payment Hub: Modernizing Payments in Record Time
Transforming Enterprise Integration
Revolutionizing Enterprise Integration with APIs and Microservices
Marketplace Banking
Banking as a Marketplace with Fidor Market
Financial Inclusion
LAP (Loans Against Property) D.Lite
Risk Management
Fighting Financial Crime with Big Data Analysis
Banking As A Platform
Acquiring Customers via Open Banking
Digital Platform Transformation
Redefining the Digital Client Experience
Best Digital Bank
Nequi by Bancolombia, Colombia
Launching a New Digital Bank Nequi
Business Model Innovation
Blending Banking and Telecom Worlds
Beyond Banking
Building a Truly Digital Bank for India
Employee Enablement
Treasury Analytics Platform Turbocharging Sales and Product
Corporate Payments Transformation
Future-Proofing Payments
Identity Management
Becoming a Digital Identity Service Provider
API Strategy
Driving Value Through APIs
Commercial Customer Onboarding
Taking Onboarding to the Next Level
Core Technology Replatforming
Core Migration and a New Customer Experience
Lending
Lending Reimagined
Customer Insight
New Heights in Data and Personalization
Customer Engagement
Adding a Human Touch to Digital Banking
2018
Overall winner
Bank of America
Best Digital Bank
Launching Digibank powered by KAI from Kasisto
Cards Innovation
Fraud Unlock
Cash Management
Direct Business Multibanking Cashmanagement
Commercial Account Onboarding
CoreDocs: Digital Transformation of Global Business Onboarding
Commercial Payments
Remittances powered by Blockchain-Based Technology
Consumer Account Onboarding
Implementing a Top-of-Wallet Bill Switch Strategy via Open Banking
Consumer Channel Innovation
Tecla de la Casita Roja (The Key to the Little Red House)
Consumer Payments
CaixaBank Pay
Core Banking Transformation
FutureCore: Zions Core Platform Migration to TCS BaNCS
Customer Engagement
Commonwealth Bank of Australia, Australia
Customer Engagement Engine (CEE)
Data Infrastructure Modernization
Data Infrastructure Modernization
Employee Productivity
Digital Activation Strategy
Financial Inclusion
Financial Wellness
Non-bank Mobile Platform using state of the art techniques to help members build financial health
Fraud Management & Cybersecurity
AI detection of internal fraud
Identity Management
Authentication Platform as a Service
Lending
Enterprise Transformation for Instant, In‑Store Issuance of Credit Cards
Modernizing IT Architecture
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
Payments Transformation Programme
Personal Finance Experience
NOMI
Post-Merger Integration
Post-Merger Integration
Risk Management
Preparing for CECL
Small Business Banking
mAccountant
2017
Overall winner
CaixaBank, Spain
Banking As A Platform
CBW Bank, USA
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
FGB, UAE
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
YES BANK, India
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
2016
Overall winner
Eastern Bank
Cash Management And Trade Finance
CIBC
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
DenizBank
IoT projects
Garanti Bank
iGaranti application
Santander Bank
New Account Opening Process
Digital Payments And Cards
Bank of America Merrill Lynch
Digital Disbursements
RBC
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
Omnichannel
BECU
ATM Analytics
Beyond Bank
Omnichannel Customer Engagement
Omnichannel Customer Engagement
New Branch Formats
Security, Fraud And Risk Management
Alfa-Bank
Risk Management Platform and Basel Compliance
USAA
Biometric Log-in
2015
Overall winner
Fidor Bank
Digital
Bank of Montreal (BMO)
Mobile App
Knab Bank
US Bank
Online Self-Servicing Platform
Innovation And Emerging Technology
Barclays
Social Innovation Facility
Emirates NBD
Digital Product Innovation
Maps Credit Union
Idea Lab
mBank
Bancassurance
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
Omnichannel
Standard Bank of South Africa
Guided Sales Workbench
UMB Bank
Omnichannel Outbound Advisory Based Service Model
Westpac
Omnichannel Digital Platform
Payments
ANZ
International Payments Transformation
BBVA
BBVA Wallet
Citi
CitiConnect ERP Integrator
Union Bank of the Philippines
Mobile Money Cash Management
2014
Overall winner
Commercial Bank of Africa
Cash Management And Trade Finance
ICICI
Mobile-based Automation of Receipts
Mashreq Bank
Integrated Cash Management Solution
Scotiabank
Payments and Cash Management Initiative
Digital And Omnichannel
mBank
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
USAA
Digital Channel Usability Initiative
Legacy And Ecosystem Transformation
Credit Union Australia
Core and Channel System Refresh
Export-Import Bank
Core Banking Transformation
NS&I
Channel Transformation
Payments
Bankgirot
Immediate Payments Initiative
Barclays
Payments Infrastructure Re-make
UBS
NFC-enabled UBS Access Card
2013
Overall winner
BBVA Compass
ABSA Bank
Value Bundles
ACLEDA Bank
Mobile banking initiative
BBVA Compass
Core banking transformation
BMO
Online appointment booking
Capital One
Mobile 2.0 with rewards redemption
Citibank
Citi Payments Analytics initiative
Commonwealth Bank
“Right People, Right Place, Right Time” Initiative
Ecobank
Unified transaction banking solution
Hana Bank
Cyber Hana Bank
HSBC
Global Payments Investigations platform
ICICI Bank
Next Generation Banking solution
JPMorgan Chase
Trusted Advisor Analytics initiative
JPMorgan Chase
Mobile RDC for corporate clients
Kotak Mahindra Bank
Flexcube to Finacle Replacement
RCBC
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
2012
Overall winner
RHB Bank Berhad
ABSA Bank
Mobile Banking Initiative
Bank of America Merrill Lynch
Payment Services Hub
Bank of Montreal
Online Banking for Business
Citibank
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
HDFC Bank
CRM Initiative
Huntington National Bank
Selling Technology with Technology
ICICI Bank
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
USAA Bank
Easy Deposit
YES Bank
Insights 2 Engage
YES Bank
Governance, Risk and Compliance Competency Framework
2011
Overall winner
American Savings Bank
Technology Optimization Initiative
Bank of the West
Retail Operating Model Re-engineering
Citibank
Citi Prepaid
Enterprise Bank
Merchant Capture
Extraco Bank
Swarm Banking
Hana Bank
Smartphone Banking Initiative
HDFC Bank
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
Scotiabank
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
2010
Overall winner
ABN AMRO Bank
Credit Proposals and Security Documentation Solution
Bank of America Merrill Lynch
Online Corporate Cash Management Solution
Citi
Treasury Diagnostics
Citi
Online Corporate Cash Management Solution
Fifth Third Bank
Remote Cash Capture Solution
HDFC Bank Ltd.
Loan Origination System
ICICI Bank
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
2009
Overall winner
Byron Bank
Online Financial Management Tool
Citi
Corporate Online Banking Platform
Citi
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
ICICI Bank
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
2008
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
Citi
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