Shortlist 2023

Congratulations to all the Finalists!

6
Best Achievement in Sustainability

Entries will be accepted from companies that have undertaken an initiative to reduce or counter-act their carbon footprint, between 1 January 2021 and 31 August 2022, to achieve net neutral impact on the environment, having committed to achieving Zero carbon emission standards. Judges will be looking for entries that show a deep-seated commitment to the environment as a core part of the business culture backed up with definable and clear actions that are targeted and measured.

Angela Burdett-Coutts Debit Card launch

Company (entry in the name of)
Coutts
Entry Description

Coutts has created a new debit card, made of 86% recycled material. For each transaction using the debit card, Coutts & Co. will donate 10p to the Coutts Charitable Foundation (registered with the Charity Commission for England and Wales, number 1150784), up to a maximum of £1,000,000 per year*. Inspired by philanthropist Angela Burdett-Coutts, the Foundation supports sustainable approaches to tackle the causes and consequences of poverty. *See https://www.coutts.com/positivity for more information.

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Conferma Carbon Reporting

Company (entry in the name of)
Conferma Pay
Entry Description
Conferma Carbon Reporting leverages the innovations of virtual cards to launch an industry-first capability. The system captures a precise record of all travel spend in a single location. When integrated with emissions intelligence software, Conferma Pay can accurately report on the carbon impact of each trip for the first time.
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G+D Pledge 2030

Company (entry in the name of)
Giesecke and Devrient Mobile Security
Entry Description
Giesecke+Devrient (G+D) pledges to replace all virgin plastic in its payment card products by 2030 at the latest to further support consumers and banks to fulfil their own sustainability aspirations. Being the first in the payment industry to make such a commitment, G+D expects the industry to follow suit.
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HSBC Sustainable Card Programme: Recycled Plastic Debit and Credit Cards and Reforestation

Company (entry in the name of)
HSBC
Entry Description
HSBC is eliminating single-use PVC cards with all new debit and credit cards produced using recycled plastic. Each recycled card reduces CO2 emissions by 7g and saves 3.18g of plastic waste destined for landfill. In partnership with One Tree Planted, HSBC has also launched a Reforestation customer reward redemption programme.
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NatWest Group commercial sustainable (rPVC) credit and debit cards

Company (entry in the name of)
NatWest Group
Entry Description
NatWest Commercial Cards have begun utilising rPVC materials across our credit and debit card portfolio in a conscious effort to reduce landfill wastage and minimise our carbon footprint when issuing plastic cards across both our public and private sector customers.
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Positive climate change: ekko and PPS, an Edenred Company

Company (entry in the name of)
PPS & ekko
Entry Description
Together, ekko and PPS have launched a debit card and app that helps consumers begin their fight against climate change every single day. The solution fits seamlessly into everyday life, empowers each of us to understand our impacts and motivates us to make a positive change in a new way.
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5
Best App User Experience (CX Initiative)

Entries are invited for any payments-related Customer Experience (CX) initiative that has been implemented or launched between 1 January 2021 and 31 August 2022. Entrants should consider how digitally enhanced CX has been applied to improve services, reduce or remove barriers or enhance the user experience for users within the payment’s ecosystem. The judges want to understand how the initiative has enhanced the end user experience, effectively differentiating the experience from others on the market. B2B and B2C CX initiatives and interfaces will be considered.

The judges will be looking for well-defined success metrics that demonstrate an improved user experience. Entries should be in the name of the organisation that has the direct interface with the end user.

Bip - UK’s first digital-only credit card by NewDay

Company (entry in the name of)
NewDay ltd
Entry Description
Bip is the UK’s first digital-only credit card. It’s designed to give customers complete control and insights into their credit, with a range of easy to use tools to track and cap spending. Bip differentiates itself by making managing credit easier than ever – the UX is key to that.
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Credit scores brought to life with NatWest’s Know My Credit Score

Company (entry in the name of)
NatWest Group
Entry Description
NatWest Group (NWG) in partnership with TransUnion launched two new and innovative features for customers, bringing to life their credit score and wider financial health. Enhanced Personalised Factors displays customer level insights within their NWG banking app and Score Predictor allows customers to simulate future impacts to their credit score.
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Empowering GenZ: PPS, an Edenred Company, and Ruuky

Company (entry in the name of)
PPS & Ruuky
Entry Description
Ruuky is the first German neo bank for Generation Z. It gives young people a new way to handle money through an easy-to-use app and Mastercard debit card. PPS supports Ruuky with key functions, including e-money licensing, support for Google Pay and Apple Pay, and the option for saving wallets.
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Self Serve Debit Card Disputes via Mobile Banking App

Company (entry in the name of)
Lloyds Banking Group
Entry Description
LBG have created a ground-breaking fully automated customer journey, that enables the raising and refund of disputes via their mobile banking app. The claim is processed in real-time and if meeting the qualifying criteria the customer receives a refund within minutes.
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Transact International Payments

Company (entry in the name of)
Transact Campus
Entry Description
Transact International Payments simplifies international payment processes and reconciliations with a single, seamless platform so transactions are secure and compliant. The platform supports students from over 162 countries, accepts 134 currencies, and offers faster disbursements with no additional cost to add International Payments to the ePayment or eMarket modules.
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4
Best Application of AI or ML in Financial Services

Entries will be accepted from companies that can demonstrate an innovative use of Artificial Intelligence or Machine Learning (AI/ML) to deliver either an improved experience or a new opportunity. The judges want to understand how AI/ML has been used, the changes that it enabled and the metrics that have been applied to measure success. The entry should demonstrate the use of AI/ML being used directly within the payments and associated processes.

Entries should cover applications that have been between 1 January 2021 and 31 August 2022. Entries should be in the name of the organisation that has the direct interface with the end user.  

ANNA's Deployment of AI and ML

Company (entry in the name of)
ANNA
Entry Description
ANNA harnesses the power of Artificial Intelligence and Machine Learning in unique and clever ways to provide its customer base of busy SME owners and freelancers with the tools to do fast, secure financial admin and business banking on-the-go.
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DisputeLab from Fi911

Company (entry in the name of)
Fi911
Entry Description
Fi911 is the go-to technology partner for acquirers, payment processors, card issuers, ISOs and payment facilitators. Its integrated platform provides merchant onboarding, risk management, client portals, training and reseller payouts, but most importantly its product DisputeLab utilises data and machine learning to make managing, resolving disputes more efficient than ever.
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Good for Australia: eftpos drives down fraud losses with real time machine learning

Company (entry in the name of)
eftpos and Featurespace
Entry Description
eftpos, Australia's national debit card network launched new real-time machine learning to protect existing CP transactions, as well as secure new CNP transactions in the shift to eCommerce. Leveraging transfer learning from Featurespace, eftpos protected this new channel from day one for all Australian FIs, merchants, and their customers.
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TSYS delivers unrivalled model stability despite behavioural shock of pandemic‑driven spending changes

Company (entry in the name of)
TSYS, A Global Payments Company
Entry Description
Sudden changes in a customer’s spending behaviour can be mistaken for fraud causing additional security step ups or transaction declines. With pandemic-driven customer behaviour abruptly shifting online, TSYS ForesightSM Score recognised the nuances between genuine and anomalous activity in real-time, delivering unrivalled stability during this volatile period.
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4
Best Benefits or Loyalty Scheme

Entries will be accepted from card brands, issuers, account providers, merchant acquirers, retailers and other payments companies for payments related benefits and loyalty schemes or specific initiatives launched between 1 January 2021 and 31 August 2022. Judges will be looking for examples of benefits packages or linked loyalty engagement programmes, that demonstrate how they have addressed customer needs and provided an attractive value proposition to specific customers to drive increased engagement / loyalty, improve sales and provide overall benefits to both customer and provider to encourage increased usage, purchase or repeat custom.

For acquirer entries, judges will want to see innovative merchant programmes that incentivise and reward either end customers. Please note that entries should be in the name of the organisation that has the direct interface with the end user.

Capital on Tap Business Credit Card

Company (entry in the name of)
Capital on Tap
Entry Description
Capital on Tap provides an all-in-one small business credit card and spend management platform. Capital on Tap makes it easy for small business owners to manage cards for their employees, access funding for their business, and earn cash back, travel, and gift card rewards on every pound their business spends.
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NatWest Group MyRewards – Unlocking the power of customer data to create a more relevant and rewarding programme

Company (entry in the name of)
NatWest Group
Entry Description
A global pandemic, coupled with an encroaching cost-of-living crisis has changed how customers spend. At NatWest Group , we’ve responded to shifting spending habits by combining attractive offers, personalised communications, with a seamless digital journey to enhance our ever-growing rewards programme – MyRewards.
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Powering up Rewards on British Airways American Express Credit Cards

Company (entry in the name of)
American Express
Entry Description
American Express consistently invests in compelling ways to engage Cardmembers for their loyalty. Post pandemic, in readiness for Cardmember’s return to travel, they unveiled a bold refresh of their BA Consumer and Small Business (SBS) cards featuring significant enhancements including some of the best limited time Welcome Bonus offers ever.
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Vanquis Credit Card Loyalty Upgrade Program

Company (entry in the name of)
Vanquis
Entry Description
Supporting our customers through their journey to better credit is core to our purpose. Our loyalty upgrade program is exemplary of this. A new strategy for Vanquis, we designed a rich suite of benefits for long-standing customers who had improved their credit rating– rewarding their loyalty and financial progress.
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8
Best Consumer Credit Card or Credit Facility

Entries are invited for credit products (including credit & charge cards) and credit facilities (including BNPL and POS Finance) available to consumers between 1 January 2021 and 31 August 2022. Submissions must be in respect of products that have been either launched or are existing products which have been refreshed and repromoted during the qualifying window. Judges will be looking for products that provide one or more of the following: a differentiated proposition, an attractive or compelling offer to the customer, show creative or innovative elements.

All entries must be able to demonstrate commercial success delivered during the reporting period. Please note that entries should be in the name of the organisation that has the direct interface with the end user.

Barclaycard Avios and Avios Plus, in partnership with Mastercard

Company (entry in the name of)
Barclays Bank UK
Entry Description
In collaboration with Mastercard and IAG Loyalty, Barclays launched the market-leading Barclaycard Avios and Avios Plus credit cards in February 2022. After two years of travel restrictions, these cards reward cardholders with Avios, bonuses and travel upgrades, enabling them to visit the people and places that matter most.
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Bip

Company (entry in the name of)
NewDay Ltd
Entry Description
A UK first. A game-changer, challenging what it means to be a credit card. Completely cardless, seamlessly fits into our customers’ lives. Offering complete control and transparency: one interest rate, no fees and tools to cap spending. In one sitting, customers can be approved, complete ID verification and start spending.
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Credit Card Instalment Plans: Grouped Purchases

Company (entry in the name of)
NatWest Group
Entry Description
Credit Card Instalment Plans "Grouped Purchases" is a feature NatWest Group offer to its Credit Card customer base, providing customers with the ability to pay back up to 5 transactions in one monthly instalment for a small fee instead of interest.
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DivideBuy’s intuitive lending solution embodies fair, ethical and transparent finance

Company (entry in the name of)
DivideBuy
Entry Description
DivideBuy is disrupting the consumer credit lending market, occupying a unique position as both lender and tech platform provider. By treating every customer as an individual, DivideBuy gives consumers control of their finances, with options to pay in ways that suit them, affordable repayment timeframes – and no late fees.
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NatWest Buy Now Pay Later

Company (entry in the name of)
NatWest
Entry Description
NatWest’s first high street bank launch of BNPL addresses native BNPL provider gaps. The product’s unique customer offering that balances the ability to spend and spread payments with protecting customers on spending and fraud. Additionally, being regulated by the FCA, unlike others, makes it unique, customer friendly and safe.
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Newpay – responsibly breaking bigger buys into bitesize payments at checkout

Company (entry in the name of)
Newpay
Entry Description
Newpay provides a responsible and fully regulated way to buy today and repay over time. Anywhere within the growing Newpay merchant network, customers can select flexible instalments at checkout. Newpay customers apply once but can use repeatedly, with all instalment plans consolidated into a single monthly repayment.
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The new MBNA Platinum VISA Credit Card

Company (entry in the name of)
Lloyds Banking Group
Entry Description
The MBNA Platinum Visa Credit Card is a simple & transparent rewards proposition for customers with a low rate. This new proposition offers a long term cash back offer and simple lower rate, combined with a 0% FX waiver for 12 months
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Tymit Credit Card: Financial freedom without fear.

Company (entry in the name of)
Transact Payments Limited / Tymit
Entry Description
Tymit teamed up with Transact Payments Limited (with Tymit becoming a client of TPL, and with TPL being the card issuer for Tymit), to deliver a working credit card product that included installments plus fully flexible APR options within three months.
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5
Best Customer Service

Entrants are invited from card issuers, their brands, merchant acquirers and other payments providers who can demonstrate a true understanding of their customers’ needs through the delivery of customer service excellence. Entry submissions should detail specific achievements or initiatives between 1 January 2021 and 31 August 2022 that demonstrate measurable impact of an innovative customer care strategy on customer satisfaction and retention levels.

Entries must be associated with the payment product (as opposed to general banking services or in the case of merchant acquirers with their merchant customers. Please note that entries should be in the name of the organisation that has the direct interface with the end user.

Building outstanding customer service from scratch

Company (entry in the name of)
HyperJar Ltd
Entry Description
Behind HyperJar is one core, innovative principle: helping people deploy money better. Helping them make smarter, more confident, sustainable choices about budgeting, saving up, and spending. The creation of an excellent customer service operation to support our multi-featured product has been critical to building HyperJar's reputation and success to date.
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CAPITAL ONE – RAISING QUALITY TO IMPROVE CUSTOMER OUTCOMES

Company (entry in the name of)
Capital One UK
Entry Description
With the pandemic fall-out and cost-of-living crisis still affecting our customers’ ability to keep up with payments and the amount of help they need, we have transformed the way we measure agent performance, to improve the quality of our customer interactions and ensure we are always giving the RIGHT support.
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Customer Service Excellence at Vanquis Bank

Company (entry in the name of)
Vanquis
Entry Description
Vanquis Bank Service Excellence is a broad ranging programme of transformation activity which has led to the achievement of Customer Satisfaction and Effort results which outperform both industry and all-sector averages (as measured by the Institute of Customer Service / ICS), alongside improving support for our most vulnerable customers.
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Elavon customer service team

Company (entry in the name of)
Elavon
Entry Description
The Elavon customer service team is always striving for improvement. Through agent self-improvement and empowerment, improvement of processes, and implementation of new reporting tools, our aim is to make the lives of our customers easier.
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Lloyds Banking Group (LBG) - Contactless Card Controls

Company (entry in the name of)
Lloyds Banking Group
Entry Description
Allows debit and credit card customers to set a contactless ‘freeze’ (disable contactless) or choose their personalised contactless limit between £30 - £95. The service launched in October 2021 and is available via the LBG Mobile Banking App. Customers with protected characteristics can use this service via non digital channels.
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5
Best Future Payments Initiative

Entries are invited for new payments initiatives that are in early market development, between 1 January 2021 and 31 August 2022. Entrants must be live with their service or initiative and boarding new customers on a business as usual basis (This means the initiative should be beyond Proof of concepts and early trials and should be in the scaling phase). This category does not need to provide commercial success metrics but will be expected to provide clarity on how the initiative creates value for users and the customer segments targeted. This category is limited solely to payments related initiatives covering the transferal of funds or token of exercisable value (electronic or otherwise) between parties at the point of transaction or thereafter.

A B2B payments and financial operations solution that automates money flow

Company (entry in the name of)
Moorwand & Fyorin
Entry Description
Fyorin offers a payments and financial operations solution that automates the money flow for businesses across a curated network of financial institutions. Enabling businesses to scale without the need to grow their payment operations team. Fyorin solution cuts down 90% of the manual workload from accounts receivables and payables.
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DIGISEQ – moving contactless payments beyond cards and phones, and into the fast-growing wearable tech world.

Company (entry in the name of)
DIGISEQ Ltd
Entry Description
DIGISEQ is taking contactless convenience to the next level. With the 2021 launch of DIGISEQ’s mobile app and over-the-air personalisation solution, any object – a watch, a ring, even a face mask – can become a chip-enabled contactless payment device, without the manufacturer, retailer or card issuer having to do.
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Digitising and monetising financial intent

Company (entry in the name of)
HyperJar Ltd
Entry Description
HyperJar customers digitise - and monetise - their financial intent. Using unlimited, sub-accounts (visualised as Jars), they can commit tranches of money to future spending goals - or retailers. After a soft launch in October 2020, we started 2021 with customer numbers in the very low thousands, ready for growth.
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Razer Gold launches in Europe with Funanga

Company (entry in the name of)
Razer Inc and Funanga
Entry Description
Razer Gold is a new prepaid card powered by Funanga, for sale online, in-store and in-game. It is the first European payment service dedicated to video gaming, accepted by publishers like PlayStation, Tencent and Blizzard. It taps into a huge existing userbase, and an even bigger global market opportunity.
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Tink's Payment Initiation

Company (entry in the name of)
Tink
Entry Description
Tink Link provides a prebuilt, customisable payments flow that is continuously optimised according to the thousands of bank-specific authentication flows across Europe, directing the end-user to the appropriate authentication mechanism and letting them pay in a few taps.
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6
Best Industry Innovation

Innovation in payments comes in many forms, the industry has a long-standing reputation to be innovative from design through to service enablement. Entries are invited from all industry participants that have developed and launched an innovation in Payments in the period. Judges will be looking for innovations that tackle an area of; payment friction, payment access, processing, and/or service support, or other complimentary areas. The core criteria is that the innovation should be new and innovative (not having been done before or, a dramatic improvement over an existing option). It will need to have been implemented or launched between 1 January 2021 and 31 August 2022, and have increased the organisation’s competitiveness & effectiveness and could be considered one of the firsts in the market. An innovation can be a product, service, technology, system or procedure.

Carat from Fiserv Enables Omnichannel Commerce for Merchants

Company (entry in the name of)
Fiserv
Entry Description
As consumers and businesses embraced omnichannel commerce, Fiserv launched Carat to help businesses drive revenue, reduce costs and grow at scale, facilitating the delivery of a seamless customer experience through a single platform. Carat already has proven results with leading European merchants, with impressive outcomes and revenue and transaction growth.
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Ethoca Alerts and Ethoca Consumer ClarityTM

Company (entry in the name of)
Ethoca
Entry Description
Chargebacks are growing, and with more transactions happening online, it opens the door for more purchases to be disputed. How do merchants adapt to this growing complexity? Simple: they collaborate. Ethoca’s two solutions, Ethoca Alerts and Ethoca Consumer ClarityTM, are powered by the industry’s largest network of online retailers.
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Lloyds Banking Group's ‘Your Credit Score’

Company (entry in the name of)
Lloyds Banking Group
Entry Description
Your Credit Score has been designed to deliver a financial education tool with a new payments and lending product channel, in the design of a credit profiling service within the LBG banking app.
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SWIFT Go

Company (entry in the name of)
SWIFT
Entry Description
SWIFT Go is a transformative new service developed in close collaboration with the global SWIFT community to meet the needs of small businesses and consumers that send money across borders and need a service to facilitate predictable, fast, secure and competitively priced, low-value, cross-border payments.
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Taking Back Control: the deployment revolution

Company (entry in the name of)
HyperJar Ltd
Entry Description
Behind HyperJar is one core, innovative principle: helping people deploy money better. Helping them make smarter, more confident, sustainable choices about budgeting, saving up, and spending . Giving them tools for a more forward-facing view of their money. Making it easier, and more motivating, for everyone to ‘spend life well’.
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Weavr supports innovators who are not just building a business, they’re changing the game!

Company (entry in the name of)
Weavr
Entry Description
Weavr is the leading open platform for embedded finance for the digital economy. It’s on a mission to enable any business to integrate any financial service anywhere their customers need it. Until now, adding financial services exactly where and when your customers need them has been prohibitively expensive and time-consuming.
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5
Best Initiative in Digital or Complimentary Payments

Entries will be accepted from companies who offer facilities for any electronic payment or money transmission e.g. which do not necessarily require a physical card or card account. This could include mobile payments, electronic wallets, peer-to-peer payments, bank-to-bank payments, money transmission services, e-money, electronic vouchers, tokenisation, Cryptocurrency and other alternative or digital payments propositions. Entries should cover initiatives implemented or launched between 1 January 2021 and 31 August 2022. Entries should be in the name of the organisation that has the direct interface with the end user.

DIGISEQ – hands-free NFC means mobile payments without phones, and contactless beyond cards

Company (entry in the name of)
DIGISEQ Ltd
Entry Description
DIGISEQ’s Objects-as-a-Service wearable tech means consumers no longer have to reach for a phone or card. DIGISEQ is moving contactless payments beyond static form factors, infusing secure NFC payments into a growing range of desirable wearable items that can be turned into payment devices at the flick of a wrist.
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Fireblocks provides secure, instant merchant payout and cross-border payment infrastructure in crypto

Company (entry in the name of)
Fireblocks
Entry Description
Fireblocks brought the first enterprise-grade payments infrastructure to market, allowing payment service providers to securely support merchant pay-outs, cross-border payments, and pay-in of digital assets, at scale. Fireblocks enables financial institutions such as PSP, exchanges, custodians, banks, lending and trading desks, and hedge funds to securely scale digital asset businesses.
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Funanga grows CashtoCode payments service globally

Company (entry in the name of)
Funanga
Entry Description
Funanga digitises and secures the oldest currency in the world, cash. It’s CashtoCode service is a truly alternative payment product that allows any merchant to create their own secure cash payment option for any digital purchase - effectively adding 400,000 real-world checkouts to its payment page.
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MultiPass – multicurrency business payments for global operations, empowered by technology, delivered by people

Company (entry in the name of)
MultiPass Platforms Limited
Entry Description
MultiPass is a bank challenger that offers business clients multi-currency virtual IBANs, local EU, UK and US accounts as well as payment cards to cover their day-to-day business expenses.
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Pax2pay's Payments Optimisation Engine

Company (entry in the name of)
Pax2pay
Entry Description
Pax2pay have developed a Payments Optimisation Engine that uses both real-time data feeds and historical data analysis to provide intelligent routing and decision making, picking the best digital payment type for each transaction. Ultimately, allowing businesses to maximise their bottom line without sacrificing supplier relationships.
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5
Best Initiative in Open Banking

Entries are accepted from any regulated provider using Open Banking to offer new or refreshed payment or associated services to their customers. The initiative could relate to any part of the payment process, including personal and business current accounts, credit cards and online e-money accounts or could be using the Open Banking Account Information Service to provide an enhanced service for provision of credit facilities. Entries should refer to activity during the period 1 January 2021 to 31 August 2022. Please note that entries should be in the name of the organisation that has the direct interface with the end user.

A Unique Approach to Enabling Open Banking for the Payments Industry

Company (entry in the name of)
Token
Entry Description
As Europe’s leading Open Banking enabler, Token is driving the shift to faster, fairer, frictionless payments by helping payment providers successfully scale with A2A payment capabilities. With Token’s best-in-class AIS and PIS connectivity and whitelabel-ready platform, PSPs, gateways and acquirers easily launch and manage Open Banking payment propositions.
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MoneySuite - A SME Billing and Payments Platform

Company (entry in the name of)
MoneySuite
Entry Description
MoneySuite is an OpenBanking based billing and payment platform, providing businesses with the payment collection capabilities without any technical effort.
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Ozone API is shaping the global open banking ecosystem

Company (entry in the name of)
Ozone API
Entry Description
At Ozone API we provide technology to help regulators, banks and financial institutions to join the open data economy. We build the open API technology and expertise needed to unlock the power of open finance and embedded finance to accelerate commercial growth, innovation and positive change in society.
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Tink's Payment Initiation

Company (entry in the name of)
Tink
Entry Description
Tink Link provides a prebuilt, customisable payments flow that is continuously optimised according to the thousands of bank-specific authentication flows across Europe, directing the end-user to the appropriate authentication mechanism and letting them pay in a few taps.
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VRP (Variable Recurring Payments)

Company (entry in the name of)
NatWest
Entry Description
NatWest recently became the first UK bank to offer Variable Recurring Payments (VRP) as a new and convenient payment option for businesses and consumers – going above and beyond the requirement for banks to provide VRP for account sweeping use cases.
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10
Best Marketing Campaign

Entries are invited for a payments-related marketing campaign executed between 1 January 2021 and 31 August 2022. Within the context of an overall marketing strategy, Entrants should outline how their organisation has used an integrated campaign to improve market share, drive sales, enhance customer loyalty, drive customer engagement, target specific or new markets, etc. Please note that entries should be in the name of the organisation that has the direct interface with the end user. NB. While look and feel is important in this category, proof of success is critical.

#LightItUp - Visa & Revolut in partnership with Anthony Joshua

Company (entry in the name of)
Visa & Revolut
Entry Description
Revolut champions underdogs – fighting for those excluded from the digital economy. So, working with Visa, Revolut launched a campaign featuring one of Britain’s all-time great champions Anthony Joshua, and a one-of-a-kind, glow-in-the-dark card, to support the underdogs - independent boxing clubs hit hard by the COVID-19 pandemic.
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Amazon "Win Back" Campaign

Company (entry in the name of)
Barclaycard, Amazon
Entry Description
This marketing campaign used Amazon Moments functionality, never before used in the EU, and innovative targeting, to promote a “Spend £10, get £10” offer when using your Barclaycard across the Amazon real estate, with a goal of recovering Barclaycard customers who’d stopped using their card with Amazon.
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American Express Summer Drop campaign celebrating the possibilities unlocked when you’re #WithAmex

Company (entry in the name of)
American Express
Entry Description
‘American Express Summer Drop,’ was a unique virtual game, that unlocked thousands of prizes across London including tickets to some of the UK’s most sought-after experiences. The game was part of an integrated campaign developed in collaboration with Yahoo, that innovatively and creatively gave prospects an enticing glimpse into Cardmembership.
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American Express – ‘The Card is for Business, The Points are for Pleasure’

Company (entry in the name of)
American Express
Entry Description
American Express’ biggest ever UK Business Card marketing campaign used an unexpected and memorable creative to bring its concept to life. Targeted at small business owners seeking a better work-life balance post-pandemic, the acquisition campaign humorously showcased how generous rewards earned on business spend could be maximised outside of work.
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Featurespace Technologist campaign

Company (entry in the name of)
Featurespace
Entry Description
Featurespace's mission is to make the world a safer place to transact. How? Through a winning combination of the smart minds in our customers’ technology teams and the smart minds at Featurespace. They’re called Technologists, but to us they’re Rockstars - and this campaign set out to celebrate them.
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NatWest Group and Disasters Emergency Committee’s Ukraine Humanitarian Appeal

Company (entry in the name of)
NatWest Group
Entry Description
This entry reveals how, amid a huge humanitarian crisis, NatWest Group raised over £10million for the Disasters Emergency Committee’s Ukraine Humanitarian Appeal. MyRewards customers donated a staggering £1million in Rewards within 24h-hours of the campaign launching. MyRewards customers have since donated a further £1.3million to the campaign total.
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The BRIT Awards with Mastercard: #ShoutOut

Company (entry in the name of)
Mastercard
Entry Description
As Mastercard celebrated 24 years as headline sponsor of The BRIT Awards, they shined a light on the incredibly talented students at The BRIT School – a unique, free school that nurtures the creativity of 14-to-19-year-olds while they study towards a formal state education.
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Visa & Barclays join forces to promote new money management features

Company (entry in the name of)
Visa & Barclays
Entry Description
Visa and Barclays embarked on a mission to help customers manage their money better through the Barclays App which led to the launch of numerous new features. This marketing campaign was aimed at raising awareness and usage of these features, and help customers stay in control of their finances
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Visa & Revolut in partnership with the Royal British Legion

Company (entry in the name of)
Visa & Revolut
Entry Description
Visa & Revolut partnered with the Royal British Legion in its centenary year – when their annual fundraising programme was under threat. Revolut created an innovative alternative means to support the Poppy Appeal at a time when traditional volunteer collections were impacted by the pandemic.
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Visa - UEFA Women’s EURO 2022 - “When more of us play, all of us win”

Company (entry in the name of)
Visa Europe
Entry Description
Visa’s purpose-led campaign presented Visa as a brand that genuinely believes in uplifting and including people, on and off the pitch. Visa used their sponsorship of the UEFA Women’s EURO 2022 to authentically celebrate female football players and independent business owners, and communicate its brand beliefs
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8
Best Payment Facility

This award is open to any technology, facility or initiative offered or executed as a payment facility at the point of transaction or post transaction. Entries will be expected to demonstrate how the payment facility has; enhanced consumer choice, reduced customer payment friction, lowered the fees of accepting and managing payments, or increased the speed of payment orchestration with added value services. Entries will need to provide clear measurable data on how the payment facility provides value and benefits through the channel(s) in which they are provided (online, POS, mobile, in-transit, location specific etc.) and how the payment facility provides value. Submissions should detail specific achievements and initiatives that have been implemented or launched between 1 January 2021 and 31 August 2022.

Entries should be submitted by the organisation that has the direct interface with the end payer or the retailer/merchant that is offering the programme.

Best Payment Facility: B4B Payments

Company (entry in the name of)
B4B Payments
Entry Description

With over 15 years of expertise in payments, B4B Payments is a globally recognised and trusted provider of card issuing and payment services, a fast-growing fintech company and a well-established presence in the prepaid card sector since 2005.

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BR-DGE Payment Orchestration

Company (entry in the name of)
BR-DGE
Entry Description
BR-DGE are on a mission to shift control back to merchants because payments have become too complicated and inflexible. Pushing the boundaries of payment technology, BR-DGE have built an independent payment orchestration platform, that’s simple to integrate, enabling merchants to build resilience, consolidate reporting and innovate at speed.
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CellPoint Digital; leading payment orchestration

Company (entry in the name of)
CellPoint Digital
Entry Description
CellPoint Digital is the pioneer of payment orchestration globally. We’re leading the way in transforming the payments industry with our cutting-edge platform; Velocity. Our mission is to make payments a strategic advantage for our clients, turning payments from a cost into a profit booster.
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Credit Card Instalment Plans: Grouped Purchases

Company (entry in the name of)
NatWest Group
Entry Description
Credit Card Instalment Plans "Grouped Purchases" is a feature NatWest Group offer to its Credit Card customer base, providing customers with the ability to pay back up to 5 transactions in one monthly instalment for a small fee instead of interest.
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Enabling differentiated payment experiences through reliable and real-time payments infrastructure

Company (entry in the name of)
Modulr
Entry Description
We're making payments part of the tech-stack, by transforming the speed, flexibility, resilience and cost of launching and operating embedded payment services. All without our customers needing to build complicated payment systems, becoming regulated or managing payment network membership complexity. This reduces costs, improves efficiency, and creates new revenue-generating models.
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FX Box

Company (entry in the name of)
Amadeus
Entry Description
FX Box helps merchants to take control of FX services with new foreign exchange solutions that aim to enhance the customer experience and improve the profitability of travel sales. It provides travel firms with real-time access to best-in-class FX rates for more than 170 currencies.
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Global Payments Exemption Optimisation Solution

Company (entry in the name of)
Global Payments
Entry Description
Global Payments’ Exemption Optimisation Solution is designed to help merchants comply with PSD2 and SCA requirements, leveraging exemptions available within PSD2 to allow merchants to drive smoother, faster authentications within their ecommerce checkout experience. One large gaming merchant saw PDS2 authentication rate of 94% compared to 79% with a competitor.
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Newpay – responsibly breaking bigger buys into bitesize payments at checkout

Company (entry in the name of)
Newpay
Entry Description
Newpay provides a responsible and fully regulated way to buy today and repay over time. Anywhere within the growing Newpay merchant network, customers can select flexible instalments at checkout. Newpay customers apply once but can use repeatedly, with all instalment plans consolidated into a single monthly repayment.
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3
Best Payments Industry Newcomer

The Card and Payments Awards welcome entries for this exciting award which recognises a newcomer organisation that commenced operating no earlier than 36 months prior to 1 April 2022. The organisation will be offering a payments related service or product which is delivering value and benefit to any aspect of the payments ecosystem. The organisation will be making an impact through performance, innovation, value to stakeholders etc. It will deliver an innovative solution to a specific set of problems or indeed it may be creating opportunity. The judges will be interested to see that the organisation is performing well and gaining in traction with an initiative that promises longevity. The organisation might evidence developed relationships, implementations, contracts and other indications of positive performance.

CollecTin donation station with Give A Little point of donation software platform

Company (entry in the name of)
CollecTin and Give A Little
Entry Description
Give A Little® and CollecTin have partnered to give charities an affordable, flexible and easy way to collect contactless donations. CollecTin has designed an innovative donation station (hardware) and Give A Little has developed software that delivers an industry leading donor facing and charity administration experience.
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MoneySuite - A SME Billing and Payments Platform

Company (entry in the name of)
MoneySuite
Entry Description
MoneySuite is the best billing and payment platform to facilitates any business with payment collection capabilities without any technical effort.
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Positive climate change: ekko and PPS, an Edenred Company

Company (entry in the name of)
PPS & ekko
Entry Description
Together, ekko and PPS have launched a debit card and app that helps consumers begin their fight against climate change every day. The solution fits seamlessly into everyday life, empowers each of us to understand our impacts and motivates us to make a positive change in a brand new.
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8
Best POS Solution

This award is open to any technology, facility or initiative offered or executed at point of sale (both hardware and software) and can provide evidence of an enhancement or improvement throughout the payments process to either the consumer or the business. This can be in the physical or virtual environment. Submissions should detail specific achievements and initiatives that have been implemented or launched between 1 January 2021 and 31 August 2022. Entries should be submitted by the organisation that has the direct interface with the end payer or the retailer / merchant that is offering the programme.

DIGISEQ – delivering the future of in-store POS payments with a stylish twist.

Company (entry in the name of)
DIGISEQ Ltd
Entry Description
DIGISEQ turns contactless POS payments into an even more seamless, speedier and revenue-spinning opportunity. Its over-the-air wearable tech proposition is the future of in-store POS purchases, and a gateway for brands to get even closer to their customers, with real-time incentives personalised to each consumer for a truly intuitive.
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DivideBuy’ – mobilising responsible lending and rapid onboarding through a unique POS solution

Company (entry in the name of)
DivideBuy
Entry Description
As merchants look to protect profit margins in uncertain economic times, DivideBuy’s disruptive POS lendtech solution is marrying responsible lending with seamless technology integration. Merchants can reach new customers with intuitive and highly personalised onboarding processes, reduce delinquencies and raise revenues – all through one easy-to-integrate POS solution.
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Funanga CashtoCode brings cash POS transactions up-to-date

Company (entry in the name of)
Funanga
Entry Description
Funanga digitises cash to enable a range of new customer/merchant interactions at the POS. Its CashtoCode service allows any merchant to create a secure cash payment option for any digital purchase, including product returns, BNPL payments and crypto withdrawals - effectively adding 400,000 real-world checkouts to its payment page.
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Global Payments Bleep Solution - ePOS for events

Company (entry in the name of)
Global Payments
Entry Description
Global Payments Bleep solution supplies, designs and manufactures innovative, flexible, and reliable electronic point of sale (EPOS) solutions and touch screen till systems for events, stadiums and retailers. In 2021, the Bleep solution was enhanced to focus on live reporting on event sales to maximise event revenue in real time.
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Magnati and Fiserv Enables Businesses to Accept Contactless Payments on Their Phones

Company (entry in the name of)
Fiserv
Entry Description
Contactless payments are becoming popular, yet millions of merchants worldwide lack the ability to accept them. Magnati and Fiserv are enabling businesses in UAE to accept contactless transactions on their phones using SoftPoS technology, facilitating the expansion of digital payments even among small businesses that have previously accepted only cash.
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Newpay – responsibly breaking bigger buys into bitesize payments at checkout

Company (entry in the name of)
Newpay
Entry Description
Newpay provides a responsible and fully regulated way to buy today and repay over time. Anywhere within the growing Newpay merchant network, customers can select flexible instalments at checkout. Newpay customers apply once but can use repeatedly, with all instalment plans consolidated into a single monthly repayment.
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PCI Pal Digital Payments – Pay By Bank

Company (entry in the name of)
PCI Pal
Entry Description
PCI Pal has launched open banking payments for contact centres; a new digitally-native payment product, offering consumers the choice to instantly Pay By Bank - authorising payments via banking apps or online portals. It also helps merchants minimise transaction costs, provide instant refunds and reduce fraud risk and chargeback costs.
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Square Stand - a professional point of sale in your iPad

Company (entry in the name of)
Square
Entry Description
On Monday 11th April - Square announced the launch of its new Stand in all eight of its global markets simultaneously - allowing businesses of all types and sizes around the world to turn their iPad into a professional and versatile point of sale.
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5
Best Processing Programme or Proposition

Entries will be accepted in relation to any processing programme or proposition in any part of the payments value chain. This can be in the physical or virtual environment. Where relevant, submissions can be in conjunction with other payment providers or the merchant customer. The entries must demonstrate that the implementation is effective and commercially viable. Entries may be in respect of a single significant project or programme, which does not have to be new during the reporting period, but results must refer to activity between 1 January 2021 and 31 August 2022. Entries should be in the name of the organisation that has direct interface with the end user.

BR-DGE Payment Orchestration

Company (entry in the name of)
BR-DGE
Entry Description
BR-DGE are on a mission to shift control back to merchants because payments have become too complicated and inflexible. Pushing the boundaries of payment technology, BR-DGE have built an independent payment orchestration platform, that’s simple to integrate, enabling merchants to build resilience, consolidate reporting and innovate at speed.
show more show less

Enabling differentiated payment experiences through reliable and real-time payments infrastructure

Company (entry in the name of)
Modulr
Entry Description
We're making payments part of the tech-stack without our customers needing to build complicated payment systems, becoming regulated or managing payment network membership complexity. This reduces costs, improves efficiency, and creates new revenue-generating models by transforming the speed, flexibility, resilience and cost of launching and operating embedded payment services.
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Enfuce – conquering creaky legacy platforms with the power of the cloud

Company (entry in the name of)
Enfuce
Entry Description
Enfuce is the cloud-native issuer processor with a bold vision to empower companies with embedded payments and open finance, to promote financial inclusion, and create climate-conscious services. Offering compliance, relentless and restless APIs, and speedy scalability, Enfuce saves companies from wasting time and money on managing legacy
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Marqeta

Company (entry in the name of)
Marqeta
Entry Description
Marqeta has set the global standard for modern card issuing and empowers the most innovative companies to bring world-class products to market. Marqeta continues to release innovative products to further disrupt the card-issuing space and solidify its position as an industry leader.
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Transact International Payments

Company (entry in the name of)
Transact Campus
Entry Description
Transact International Payments simplifies international payment processes and reconciliations with a single, seamless platform so transactions are secure and compliant. The platform supports students from over 162 countries, accepts 134 currencies, and offers faster disbursements with no additional cost to add International Payments to the ePayment or eMarket modules.
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7
Best Product Design

The judges will make this award to the card brand / issuer or payments provider who can demonstrate creative thinking behind the design of its card or digital payments interface. Qualifying designs will have been brought to market between 1 January 2021 and 31 August 2022. The design should stand out in the market and serve to enhance the relationship between customer and provider. Whether physical card or digital interface the judges will be looking for designs that are complimentary with the brand and can evidence that the design has performed well. Please note that entries should be in the name of the organisation that has the direct interface with the end user. If you are submitting a card design, please send 6 physical samples in addition to a high resolution image. If you are submitting a digital payments interface please submit high resolution images.

#LightItUp - Visa & Revolut in partnership with Anthony Joshua

Company (entry in the name of)
Visa
Entry Description
Revolut champions underdogs – fighting for those excluded from the digital economy. So, working with Visa, Revolut partnered with one of Britain’s all-time great champions Anthony Joshua in creating a one-of-a-kind, glow-in-the-dark card, to support the underdogs - independent boxing clubs hit hard by the COVID-19 pandemic.
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A new era for American Express Centurion®

Company (entry in the name of)
American Express
Entry Description
The Centurion Card by American Express is globally recognised as something of a design icon. In 2021 two striking ‘Art Cards’ were introduced alongside a stunning ‘Wearable’ designed exclusively by Prada. The vision: enhance Centurion’s allure even further, be bold, incorporate world-class collaborations and think beyond cards to push innovation.
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Angela Burdett-Coutts Debit Card launch

Company (entry in the name of)
Coutts
Entry Description

Coutts has created a new debit card, made of 86% recycled material. For each transaction using the debit card, Coutts & Co. will donate 10p to the Coutts Charitable Foundation (registered with the Charity Commission for England and Wales, number 1150784), up to a maximum of £1,000,000 per year*. Inspired by philanthropist Angela Burdett-Coutts, the Foundation supports sustainable approaches to tackle the causes and consequences of poverty. * See https://www.coutts.com/positivity for more information.

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Convego® Beyond - Environmentally Friendly Banking Cards - The Convego Natural card (PLA)

Company (entry in the name of)
C-Hoare & Co
Entry Description
Protecting the natural world and its resources for future generations underlies any sustainable strategy. Avoiding the use of fossil-fuel derived plastics which deplete resources and contribute to waste is critical to success. Our Natural card is made from polylactic acid (PLA) – a compostable bio-plastic manufactured from renewable Plant sources.
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Design For Good: creating UX for a better way to manage money

Company (entry in the name of)
HyperJar Ltd
Entry Description
Behind HyperJar is one core, innovative principle: helping people deploy money better. Helping them make smarter, more confident, sustainable choices about budgeting, saving up, and spending . Giving them tools for a more forward-facing view of their money. Making it easier, and more motivating, for everyone to ‘spend life well’.
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New ‘Iconic Hexagon’ payment card designs with accessible and sustainable features

Company (entry in the name of)
HSBC
Entry Description
At HSBC we have redesigned our entire debit and credit card portfolio, looking at all aspects including the card branding to better reflect our brand values in a modern world, customer usability for those with accessibility needs and manufacturing methods utilising a more sustainable recycled PVC (rPVC) material.
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Wessex, Adflex & HSBC Corporate Cards: Improved customer experience through partnership and technology

Company (entry in the name of)

HSBC

Entry Description
Wessex Water, HSBC Commercial Cards and Adflex partnered to expand, optimise and future-proof its accounts payable (AP) processes by leveraging PushPay, the Adflex straight-through processing (STP) service. This partnership has provided process and cost efficiencies for Wessex, and faster payments for participating suppliers.
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6
Best Security or Anti-Fraud Development

Open to card issuers, banking acquirers, retailers and other payment companies who will be expected to set out an innovative solution which has improved the security of customers’ transactions at any stage of the payment process or has protected the customer from internet, mobile or other card-not-present (CNP) fraud, identity theft, card interception etc. Submissions for your fraud prevention or detection initiative should focus on activity between 1 January 2021 and 31 August 2022. Please note that entries should be in the name of the organisation that has the direct interface with the end user.

Barclaycard Payments uses Merchant Risk Monitoring to reduce risk whilst helping clients to grow their business

Company (entry in the name of)
Barclaycard Payments
Entry Description
Seismic shifts in economic and consumer behaviour have required merchants to adopt new ways of conducting business online and provided fraudsters a lucrative environment for criminal activity. To protect genuine merchants and accelerate settlement while stopping merchant fraud, Barclaycard Payments developed a Merchant Acquiring Fraud solution in partnership with Featurespace.
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Chargebacks911: a unique solution for effective chargeback mitigation

Company (entry in the name of)
Chargebacks911
Entry Description
Most merchants don’t know how to distinguish friendly fraud from genuine chargebacks – or how to effectively respond. To combat the issue, it’s essential that retailers implement a multi-layered fraud solution composed of both pre- and post-transaction elements to identify the root cause of chargebacks. Enter Chargebacks911.
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F.CODE: Rocker Touch

Company (entry in the name of)
IDEMIA FRANCE SAS
Entry Description
F.CODE: Rocker Touch is a biometric payment card that allows customers to authorize payments via a fingerprint sensor embedded into the card. To ensure privacy, their biometric data is stored in the chip and never leaves the card. Besides increased security, nothing else changes for the cardholder or the merchant.
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Funanga eliminates fraud and chargebacks in cash payments

Company (entry in the name of)
Funanga
Entry Description
Funanga digitises and secures the oldest currency in the world, cash. It’s CashtoCode service is a truly alternative payment product that allows any merchant to create their own secure cash payment option for any digital purchase - effectively adding 400,000 real-world checkouts to its payment page.
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Pannvoate and CyberloQ collaborate to provide unique proprietary MFA technology for the banking and payments industry

Company (entry in the name of)
Pannovate and CyberLoQ
Entry Description
CyberloQ Technologies, Inc., a cyber-security technology company, developed a proprietary MFA technology that has integrated into Pannovate’s Banking Orchestration Platform. Award winning platform, Pannovate is a Banking-as-a-Service and orchestration layer that enables banks, fintech and businesses to power growth and deliver seamless digital and embedded finance
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Protecting Customers from e-commerce Card Scams using Advanced Data and Analytics

Company (entry in the name of)
NatWest Group plc
Entry Description
The increasing prevalence of social engineering on e-commerce transactions and the detrimental impact this is having on our customers is stark. Whilst effective warnings within the authentication journey are useful they are not deterring criminals. Using smarter data and analytics to protect our customers is vital to turn the tide.
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9
Best Service to Business

This award will go to the payments provider that can show how it has offered the best service focussed on the corporate customer (large or small). Judges will be interested in creative and innovative elements of the service, including (but not limited to) how it can deliver value to users, ease of onboarding, customer authentication and also assist in managing costs and driving savings. Results should reflect achievements during the period between 1 January 2021 and 31 August 2022. Please note that entries should be in the name of the organisation that has the direct interface with the end user. the name of the organisation that has the direct interface with the end user.

A B2B payments and financial operations solution

Company (entry in the name of)
Fyorin
Entry Description
Fyorin solution is a payments and financial operations platform that automates and monetizes the money flow across a curated network of financial institutions. With one unified onboarding process, Fyorin seamlessly provides businesses with tailored financial products across a curated network of financial providers, acting as the financial companion for finance teams.
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Capital on Tap

Company (entry in the name of)
Capital on Tap
Entry Description
Capital on Tap provides an all-in-one small business credit card and spend management platform. Capital on Tap makes it easy for small business owners to manage cards for their employees, access funding for their business, and earn cash back, travel, and gift card rewards on every pound their business spends.
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CellPoint Digital; leading payment orchestration

Company (entry in the name of)
CellPoint Digital
Entry Description
CellPoint Digital is the pioneer of payment orchestration globally. We’re leading the way in transforming the payments industry with our cutting-edge platform; Velocity. Our mission is to make payments a strategic advantage for our clients; turning payments from a cost into a profit booster.
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Kani Payments provides mission-critical intelligence and reporting for fintechs

Company (entry in the name of)
Kani Payments
Entry Description
Kani’s award winning data-agnostic SaaS platform brings automation, intelligence, accuracy & compliance to payments data - specifically to mission-critical reconciliation and reporting tasks, allowing finance teams to reconcile and report on their large & contrasting data sets in seconds, instead of weeks.
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MultiPass – multicurrency payments for global operations, delivered to businesses by people

Company (entry in the name of)
MultiPass Platforms Limited
Entry Description
MultiPass is a bank challenger that offers business clients multi-currency virtual IBANs, local EU, UK and US accounts as well as payment cards to cover their day-to-day business expenses.
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Pax2pay Direct- Travel payments made easier

Company (entry in the name of)
Pax2pay
Entry Description
Launched in 2021, the Pax2pay Direct solution is specifically designed to help Travel businesses transform their payments from a cost centre to a revenue stream, and transition their processes from resource draining to efficient.
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PPS, an Edenred Company and Countingup: making admin easier for SMEs

Company (entry in the name of)
PPS & Countingup
Entry Description
SMEs all face the same challenge – keeping up with a fast-paced environment while financial admin demands place more pressure on their time. PPS and Countingup have established the first challenger business current account in the UK to offer invoicing and expense tracking tools, easing the burden for time-strapped SMEs.
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Tyl by NatWest: a UK SMEs’ payments partner developed with Pollinate

Company (entry in the name of)
Tyl by NatWest and Pollinate
Entry Description
Tyl by NatWest is a card payments solution developed by NatWest and Pollinate, bringing the best of bank and fintech together to support UK small businesses. It removes key pain points for business owners to help merchants thrive, with quick onboarding, actionable insights and value-added services.
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Wessex, Adflex & HSBC Corporate Cards: Improved customer experience through partnership and technology

Company (entry in the name of)
HSBC
Entry Description
Wessex Water, HSBC Commercial Cards and Adflex partnered to expand, optimise and future-proof its accounts payable (AP) processes by leveraging PushPay, the Adflex straight-through processing (STP) service. This partnership has provided process and cost efficiencies for Wessex, and faster payments for participating suppliers.
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4
Best Technology Initiative

This award will recognise card brands, issuers, banking acquirers or other payments companies who have leveraged new or existing information and communications technology in either an innovative or creative manner to deliver an innovative solution related to payments or indeed to create a new opportunity. Entries are encouraged from organisations which can demonstrate and measure the use of information technology as an enabler for business and customer advantage. The qualifying period is 1 January 2021 to 31 August 2022. Please note that entries should be in the name of the organisation that has the direct interface with the end user.

Credit scores brought to life with NatWest’s Know My Credit Score

Company (entry in the name of)
NatWest Group
Entry Description
NatWest Group (NWG) in partnership with TransUnion launched two new and innovative features for customers, bringing to life their credit score and wider financial health. Enhanced Personalised Factors displays customer level insights within their NWG banking app and Score Predictor allows customers to simulate future impacts to their credit score.
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Deko - Outstanding Multi-Lender Alternative Payment Technology Transforms The Future of UK Retail Finance

Company (entry in the name of)
Deko
Entry Description
Deko’s powerful cloud-based tiered decision-making technology uniquely provides consumers with instant access to multiple lenders, opening greater access to flexible finance options, in-store or online. The impact? More than £3 billion in credit applications processed, 350+ merchants now connected and outstanding 5-star customer reviews on TrustPilot. Any Basket, Anytime, Anywhere.
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Guaranteed Payments

Company (entry in the name of)
Worldpay from FIS
Entry Description
Guaranteed Payments provided by Worldpay from FIS is a robust, comprehensive e-commerce protection solution. It offers a total liability shift for fraud while increasing approval rates by 5% to 7% on average. Through Guaranteed Payments, merchants can now attain higher approvals without the fear of fraud.
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MultiPass – multicurrency business payments for global operations, empowered by technology, delivered by people

Company (entry in the name of)
MultiPass Platforms Limited
Entry Description
MultiPass is a bank challenger that offers business clients multi-currency virtual IBANs, local EU, UK and US accounts as well as payment cards to cover their day-to-day business expenses.
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8
Changing Lives in the Community

Entries are invited from all industry participants to demonstrate a project that has benefitted broader society. The judges will be looking for a successful community project illustrating results achieved between 1 January 2021 and 31 August 2022, which has effectively delivered its corporate and social responsibility objectives and has made a material and sustainable difference to the community/ stakeholder groups it is serving.

CAPITAL ONE – BUILDING BETTER FUTURES FOR YOUNG PEOPLE

Company (entry in the name of)
Capital One UK
Entry Description
Regardless of what’s happening around us, one thing always stays true - our commitment to doing the right thing for our customers, associates and communities. Our impactful outreach programme targets local community needs – with a focus on younger people, our sector-leading ‘Pathways’ programme has now reached nearly 6,000 students.
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How American Express is Backing Equal Futures with Blueprint For All

Company (entry in the name of)
American Express
Entry Description
Through its Backing Equal Futures community giving strategy, American Express partnered with UK charity Blueprint For All to create and deliver a bespoke Financial Services Pathway programme that informed, engaged and supported disadvantaged and under-represented young people to consider the (financial) sector as an attainable and varied career of choice.
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MBNA Community Investment Programme: Helping to create life-changing impacts

Company (entry in the name of)
Lloyds Banking Group
Entry Description
For almost 30 years, MBNA has helped create life-changing and sustainable impacts within local communities. Against a backdrop of many sponsors and supporters withdrawing funding for vital projects, MBNA instead chose to grow its Community Investment Programme in 2021 and 2022, with approx. £1million supporting a range of community causes.
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NatWest Group and Disasters Emergency Committee’s Ukraine Humanitarian Appeal

Company (entry in the name of)
NatWest Group
Entry Description
This entry reveals how, amid a huge humanitarian crisis, NatWest Group raised over £10million for the Disasters Emergency Committee’s Ukraine Humanitarian Appeal. MyRewards customers donated a staggering £1million in Rewards within 24h-hours of the campaign launching. MyRewards customers have donated a further £1.3million to-date.
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Pennies micro-donations enabled by Worldpay from FIS

Company (entry in the name of)
Pennies and Worldpay from FIS
Entry Description
1 January 2021 - 31 August 2022, Worldpay from FIS and fintech charity Pennies, impacted 12 children’s hospital charities, and an incredible 277 local community charities to the tune of £875,000, from 1.8million micro-donations. These donations were given by customers of The Entertainer toy shop giving, enabled by Worldpay.
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The PFG/Vanquis Social Impact Programme: investing in our communities

Company (entry in the name of)
Vanquis + Provident Financial Group
Entry Description
Our Social Impact Programme strategy supports our purpose of helping to put people on a path to a better everyday life by addressing key barriers to financial and social inclusion and helping people overcome them.
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Visa & Revolut in partnership with the Royal British Legion

Company (entry in the name of)
Visa
Entry Description
Visa & Revolut partnered with the Royal British Legion in its centenary year – when their annual fundraising programme was under threat. Revolut created an innovative alternative means to support the Poppy Appeal at a time when traditional volunteer collections were impacted by the pandemic.
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Visa’s She’s Next Grant Programme, Ireland

Company (entry in the name of)
Visa
Entry Description
Visa’s She’s Next Grant Programme launched in Ireland in 2021 to support women business owners with tools, resources and funding to help them to, fund, run and grow their business. The programme offered five women entrepreneurs €5,000 grant plus one year’s business coaching with Visa’s global partner, IFundWomen.
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4
Industry Achievement Award 2023

This special award is open during the year to all and will be presented to an individual or team who has had an influential impact on the industry over the past 18 months up to August 2022. The achievement is likely to have made a significant contribution to the advancement and success of any aspect of the card and payments industry. Nominations are open to individuals and organisations in the industry and are not restricted to financial institutions.

The nominations should consist of a maximum of 1000 words, including evidential documentation, detailing the achievements and why the entry should be recognised. The judges will also nominate candidates that they feel qualify for this award.


CollecTin donation station with Give A Little point of donation software platform

Company (entry in the name of)
CollecTin and Give A Little

Leading the global open banking standards agenda

Company (entry in the name of)
Ozone API

Monica Eaton-Cardone

Company (entry in the name of)
Chargebacks911

Reward: Helping banks design, build and operate the best loyalty programmes in the world, around the world.

Company (entry in the name of)
Reward
3
Social Inclusion in Financial Services

This award is open to any qualifying entrant who has made a significant contribution to the advancement of socially inclusive treatment of customers. Entries should demonstrate how the customer is at the heart of the organisation’s business activities and how the organisation is delivering consistently fair outcomes to all consumers, is proactive about remedying any shortcomings and how social and financial inclusion is integral to their business culture and ethos. Entries may be in respect of a single significant project or programme, as well as those organisations who are seeking to cater to vulnerable consumers (demographically, financially or socio-economically). The qualifying period is 1 January 2021 to 31 August 2022.

Digitising benefit payments for the Payment Exception Service (PES)

Company (entry in the name of)
ClearBank & PayPoint
Entry Description
The rising possibility of a cashless future heralds a myriad of promises and benefits, but could also see entire populations, in particular the ‘unbanked,’ being left behind. To give unbanked recipients access to their payments electronically, ClearBank and PayPoint joined forces with the DWP to deliver the Payment Exception Service.
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How American Express is Backing Equal Futures with Blueprint For All

Company (entry in the name of)
American Express
Entry Description
Through its Backing Equal Futures community giving strategy, American Express partnered with UK charity Blueprint For All to create and deliver a bespoke Financial Services Pathway programme that informed, engaged and supported disadvantaged and under-represented young people to consider the (financial) sector as an attainable and varied career of choice.
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Supporting access to banking for seasonal, temporary and migrant workers

Company (entry in the name of)
Pannovate and OnePay
Entry Description
Migrant workers fulfil an essential role in the UK economy. Some will arrive without identification, and many will have no UK bank account. This lack of formal documents makes them vulnerable as they try to navigate a series of pitfalls that could result in their personal and financial exploitation.
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