2022 Category Finalists

4
Best App User Experience (CX Initiative)

Barclaycard Digital Product-to-Product Transfer

Entry Description
Digital Product to Product Transfer is an intuitive, in-app journey, which allows existing Barclaycard customers to seamlessly change to a different credit card to suit their needs, in just a few simple steps.
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Engaging With our New Customers – The Capital One Account Builder

Entry Description
With its onboarding process potentially preventing some customers ever using new credit accounts, Capital One knew it was missing an early engagement trick. With its step-by-step onboarding journey, the Account Builder makes the process simple and quick, driving up activation and usage whilst fostering great account management habits.
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Lloyds Banking Group - View Card Details for PCA Customers

Entry Description
Lloyds Banking Group personal current account customers are now able to view their debit card details, and copy their card number into their device clipboard directly from the mobile banking app. The service is available to personal current account customers who have a Lloyds, Halifax or Bank of Scotland app.
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SwissBorg App powered by OpenPayd

Entry Description
SwissBorg and OpenPayd are working to bring accessible and personalised wealth management services to everyone. By creating a seamless digital user experience, that’s intuitive, they are empowering younger generations to take control of their finances and smashing the legacy barriers to entry which exist within wealth management.
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3
Best Application of AI or ML in Financial Services

Business AML and Advanced Analytics with Banking Circle

Entry Description
To provide solutions that allow Banks and Payments businesses to make efficient cross border payments, compliance with local and international regulation has to be embedded in everything Banking Circle does. Banking Circle is investing in artificial intelligence (AI) and machine learning (ML) to deliver an industry leading Anti-Money Laundering process.
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Chargebacks911 DisputeLab - Intelligent Automation Taking the Guesswork out of Chargeback Management

Entry Description
DisputeLab from Chargebacks911 is the first and only technology platform offering fully automated, end-to-end chargeback management. By leveraging AI to analyse and interpret complex data—identifying invalid claims—DisputeLab accelerates every step in the dispute cycle and guarantees more efficient processes, reduced dispute volumes, and maximized revenue recovery.
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Interrupting APP Scams In Progress, Using Machine Learning

Entry Description
Monzo has built and implemented new machine learning technology within two months, to identify and prevent the highest risk payments likely to have been initiated by the victims of scams in real-time.
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7
Best Benefits or Loyalty Scheme

Barclaycard Cashback Rewards

Entry Description
This entry explores how Barclaycard joined forces with Visa and Reward Insight to deliver an exciting new rewards programme, Barclaycard Cashback Rewards, at a time when value-for-money mattered most. This intuitive programme leverages sophisticated analytics and behavioural insights to deliver personalised cashback offers for Barclaycard customers across their favourite brands.
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Barclays Avios Rewards

Entry Description
Barclays Avios Rewards is a digital loyalty programme exclusively for Barclays Premier customers. The programme enables clients to collect Avios via their day-to-day banking which can then be redeemed on British Airways flights. Every year customers also receive a free Cabin Upgrade Voucher, enhancing their flying experience.
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Clubcard Pay+

Entry Description
Clubcard Pay+ provided by Tesco Bank, was launched in 2021 as a product that has been designed to meet the needs of Tesco customers.
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HyperJar: Creating the 'Shop Where You Save' Loyalty Movement

Entry Description
Customer loyalty is increasingly predicated upon monetising transactional data to drive small incremental shifts in behaviour. HyperJar's proposition achieves the holy grail of loyalty: sustainable, mutually dependent relationships. From 'intent marketing', to a game-changing digitalisation of jam-jar budgeting, to loyalty-funded working capital finance, HyperJar is establishing a loyalty economy.
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NatWest Group MyRewards

Entry Description
At NatWest Group, we’re a relationship bank for a digital world, and it’s our responsibility to ensure our customers feel valued. Thus, 2020/21 has seen us enhance our rewards programme with an inclusive, digital-first proposition designed to engage our diverse customer-base, inspiring them to build their financial future with us.
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Presenting the New Co-Branded Amazon Business American Express® Cards

Entry Description
American Express worked with Amazon to launch the Amazon Business American Express® Card and the Amazon Business Prime American Express® Card. Amazon’s first co-branded Cards for small businesses in the UK and notably, the first UK credit cards to offer small businesses flexible benefits on a purchase by purchase basis.
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Virgin Money Back

Entry Description
This entry explores the new Virgin Money Back programme, designed for Virgin Money customers, in partnership with Virgin Red. Combining generous cashback from popular merchants with a digital-first customer journey, we’ve transformed how customers discover and redeem rewards. Our simple, ‘no-nonsense’ programme also removes the need for complicated ‘activation’ processes.
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7
Best Consumer Credit Card or Credit Facility

Barclaycard Business Model Reset – Delivering a customer-Centric, Market-Leading Proposition

Entry Description
Launch of significant changes across our Barclaycard products. Our goal - to reduce complexity and ensure we put the customer at the heart of our thinking, whilst continuing to deliver value and positive outcomes.
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DivideBuy - The Most Flexible and Intuitive Interest Free Credit Solution

Entry Description
DivideBuy is transforming the interest free credit market with its unique business model, and innovative technology built on deepening retail understanding and consumer insight. Its consumer-first solution, which offers an unmatched 12 months of interest-free payments, enables retailers to increase sales through quick credit decisions and instant approvals.
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IKEA Financial Services – Unique Hybrid Product Gives IKEA a Competitive Edge

Entry Description
Revolutionary new digital product IKEA Finance Services is neither a traditional instore credit card nor a typical interest free credit option, instead, it combines the best features of both, while avoiding their respective pitfalls/limitations. The result is a product that sets a new benchmark for responsible lending while delighting customers.
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Koto Champions Access to Fair Credit for Crucially Underserved Customer Groups

Entry Description
Working with PPS, koto delivers prime technology and lending services to near-prime customers, allowing them to improve their credit scores through access to straightforward and simple lending products. The service combines a BNPL offering with traditional credit products, empowering those who are often neglected by typical financial services providers.
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Launch of the New Lloyds Bank Cashback Credit Card

Entry Description
The Lloyds Bank Cashback Credit Card has been designed to provide customers with a simple and straightforward way to earn cashback on all their card spend.
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NatWest Purchase & Balance Transfer card

Entry Description
The NatWest Purchase & Balance Transfer card is a new personal credit card that offers our customers 0% interest on purchases and balance transfers for 20 months.
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PayPal Credit and PayPal Buy Now Pay Later - Giving Customers Choice!

Entry Description
PayPal Credit and BNPL are global credit propositions enabling consumers to spread the cost of purchases in an affordable, safe and secure way. Powered by technology, data and 23 years’ experience in online payments, PayPal disrupts the lending ecosystem with innovative and customized services to meet shoppers’.
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7
Best Customer Service

Capital One – Serving Customers with Humanity and Simplicity

Entry Description
During the most disruptive times we have ever known, Capital One has stayed ahead of the curve, deploying a unified customer service platform, with comprehensive frontline systems training and coaching to embed new practices, ensuring we deliver exceptional support to struggling customers long before any regulator told us to.
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Disputes Digital Banking Help Tool

Entry Description
A new decision tree tool available and supported across multi-channel usage, enabling customers to resolve digital servicing queries.
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ECOMMPAY Helps eBike Conversion Company Exceed Business Goals During Pandemic

Entry Description
ECOMMPAY’s payment technology solution for a leading eBike conversion company was designed to increase sales conversion rates, supported by best in class bespoke customer service. ECOMMPAY’s expert account managers, alongside its sophisticated API technology, provide ongoing, meticulous and bespoke support enabling the client to meet and exceed their business goals.
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How Elavon Provided Superior Customer Service to Aid Recovery During the Pandemic

Entry Description
Elavon is relentlessly focused on listening to our customers and providing them with unparalleled support. We successfully demonstrated an exceptional, multi-channel programme for customer service during the pandemic by offering unparalleled assistance, bespoke solutions and relief to help them recover during an unprecedented time.
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How Suits Me Limited is Transforming the Industry through Exceptional Customer Service

Entry Description
‘Suits Me’ is a simple, innovative way of bringing financial services to those who have ‘fallen through the cracks’ of the UK’s banking system. Suits Me’s objective and visions are simple: to offer financial freedom and break down the invisible barriers to banking for the most vulnerable sectors of society.
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Lloyds Banking Group Covid Adaptation - Prioritisation Helping Those Who Need it Most

Entry Description
Covid was a difficult time for all but helping those that needed the help the most was an integral part of Lloyds response. Our NHS heroes alongside our Vulnerable customers needed additional support during this time so enabling our colleagues to help these customers first was incredibly important.
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TSYS Managed Services EMEA Response to the Covid Pandemic

Entry Description
In response to the pandemic, TSYS Managed Services EMEA re-imagined how to operate our contact centres that support leading card issuers throughout Europe, not only standing up a fully functional overflow contact centre in three weeks, but maintaining team member safety and providing consistent and exceptional customer service.
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16
Best Industry Innovation

Banking Circle Migration to the Cloud

Entry Description
Banking Circle’s cloud-based de-coupled architecture allows us to react quickly to changing client demands, and provide ever-faster payments, particularly when compared to traditional banks. This has allowed us to bring multiple new solutions to market quickly and cost-effectively, fixing significant challenges for payments providers and their customers.
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Clubcard Pay+

Entry Description
Clubcard Pay+ provided by Tesco Bank, has launched in 2021 as a product that has been designed to meet the needs of Tesco customers.
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Confirmation of Payee

Entry Description
Confirmation of Payee (CoP) is a name-matching service supporting account-to-account payments. It’s an application programming interface (API) which checks that the name entered by the payer matches the sort-code and account number belonging to the intended recipient. CoP has been successfully implemented by the UK’s leading banks and building societies.
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Convego Beyond: Eco-Innovative Payment Solutions for a More Sustainable Lifestyle

Entry Description
We are at a critical point. Since the Paris Agreement on climate change was signed in 2016, over 15 billion new payment cards have entered our ecosystem. G+D’s Convego® Beyond helps issuers develop a truly eco-conscious payment card strategy, with a unique offering of eco-innovative payment products, services and partnerships.
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Digital Payments for the Travel Industry

Entry Description
Pax2Pay Ltd is the first provider to introduce a digital solution for B2B travel payments.
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Ensuring Success in a Volatile Market: Taking Control of your Cash Flow

Entry Description
Cashflows make payments easy for businesses, from integration through to accepting payments from customers day-to-day. With these values in mind, Cashflows launched Anytime Settlement, enabling businesses to access funds in a matter of hours following a transaction, rather than the industry average of three days.
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Extend Launches First Issuer-Agnostic Virtual Card Platform for SMBs

Entry Description
Extend is modernizing infrastructure for the future of payments. By partnering with TSYS, a Global Payments Company, and integrating directly with TSYS Virtual Payment Precept, issuers across networks can access Extend’s innovative virtual card solutions with no technical development required.
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HyperJar - Best Industry Innovation

Entry Description
Look under the hood of traditional banks and payment models and you’ll see a dusty old combustion engine. HyperJar offers a better, smarter alternative with a revolutionary 21st century motor that serves both our audiences - consumers and merchants - better than ever.
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IKEA Financial Services – A Unique Hybrid Product Gives IKEA a Competitive Edge

Entry Description
Revolutionary new digital product IKEA Financial Services is neither a traditional instore credit card nor a typical interest free credit option, instead, it combines the best features of both, while avoiding their respective pitfalls/limitations. The result is a product that sets a new benchmark for responsible lending while delighting customers.
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Nium Card Issuance-as-a-Service

Entry Description
Nium’s card-issuance-as-a-service solution helps businesses create customised mobile applications to support corporate-issued virtual or physical cards. It is a full-scale service that comprises regulatory, BIN sponsorship and processing.
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NuData Security, a Mastercard company, in Partnership with NatWest: Behavioural Biometrics as Inherence for OTP Authentication

Entry Description
NuDetect by NuData Security is an advanced transaction authentication solution that uses Behavioural Biometrics as Inherence for One Time Pin (OTP) Authentication to avoid the need to use passwords, while at the same time enabling Issuers to comply with the PSD2 requirements on SCA.
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Payit™ Sending Payments: Revolutionising the Issuance of Payouts and Refunds

Entry Description
Payit™ is a NatWest PISP innovation that uses Open Banking APIs to facilitate payments without the exchange of bank details. In February 2021, Payit expanded to enable businesses to send money to customers without requiring their details; this significantly improves the ease of payment for businesses, and the customers’ experience.
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Request to Pay

Entry Description
Request to Pay (RtP) is a secure messaging service overlaid on top of the existing payments infrastructure which allows for a conversation between the biller and payer before the payment takes place. RtP gives the payer more control and flexibility over when and how they pay their bills.
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Starling Bank Business Toolkit

Entry Description
The Business Toolkit from Starling Bank helps freelancers, sole traders and limited companies manage their financial admin. It is the first digital platform from a British bank that enables customers to submit their VAT directly from their bank account. It also includes invoicing, bill management and tax estimation tools.
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The technologi ecosystem

Entry Description
The technologi ecosystem supports acquiring banks, payment facilitators, ISO’s and marketplaces by automating merchant on-boarding, AML verification, credit risk underwriting and improve the efficiency of their customers large scale, often complex transaction settlement requirements. The platform essentially enables industry to bring FinTech innovation to even the most traditional, payments architecture.
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Virtual IBAN provider Monneo Creates a Unique Platform Connecting Merchants and Banks

Entry Description
Virtual IBAN provider, Monneo, works with a network of banks to provide businesses with multiple IBAN accounts, across multiple banks via one intuitive platform.  The ground-breaking technology connects businesses with leading international banks, allowing clients to monitor and control access to their IBANs from any bank/s within Monneo’s network.
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6
Best Initiative in Alternative or Digital Payments

Banking Circle Payments on Behalf of and Collections on Behalf of

Entry Description
Banking Circle POBO and COBO goes further than existing solutions, to provide a real, reliable and efficient solution that helps businesses compete and prosper in a global market.  Built from the ground up, not adapting an existing solution to tick a box, it removed the usual stumbling blocks for businesses.
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Digital Invoicing – An Innovative Open Banking Solution Powered by American Express

Entry Description
American Express’ Pay with Bank transfer (PwBt) service gave consumers a real-time, simple, secure payment option, where merchants received payment almost instantly. Added in January 2020, Digital Invoicing, a UK first to market solution, made it easier for merchants to accept Open Banking transactions and improved the customer payment experience.
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First DAG’s Stablecoin Payment Rail

Entry Description
First is building the future of the digital asset economy. They have developed the first global digital payment platform for Merchants, PSPs, and Acquirers, to make it safe and straightforward for them to accept digital payments, such as Diem, CBDCs, and Stablecoins.
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Funanga Grows Digital Cash Payments Service Globally - CashtoCode

Entry Description
CashtoCode digitises and secures the oldest currency in the world, cash. It 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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Lloyds Banking Group Pay your Credit Card by Open Banking (PCCOB)

Entry Description
This new and innovative journey is now available on LBG Retail Mobile App and allows credit card customers to make a one-off payment to their credit card from a bank account they hold with another bank using Open Banking payment initiation services.
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Modulr - Best Initiative in Alternative or Digital Payments

Entry Description
Modulr should be recognised as a true trailblazer in digital payments for its tenacity to gain the deepest level of access to financial infrastructure to create a platform for greater innovation and payment improvements across the board.
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5
Best Initiative in Open Banking

Harnessing the Power of Open Banking to Drive Down Fraud

Entry Description
In 2020, UK Finance reported APP fraud in the UK was £479 million. Fast forward to 2021, and this has increased 71% Year-on-Year in the first half of 2021. This statistic illustrates the severity of the challenge and the industry’s call to better protect payments. Bottomline is championing this cause.
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Lloyds Banking Group Pay Your Credit Card by Open Banking (PCCOB)

Entry Description
The journey is available on the LBG Retail Mobile App and allows credit card customers to make a one-off payment to their credit card from a bank account they hold with another bank using Open Banking payment initiation services
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PayFrom Bank

Entry Description
PayFrom Bank is the latest addition to Lloyds Banking Groups suite of API's. PayFrom Bank has utilised these API’s allowing our customers to receive funds real time and directly from the end users bank account.
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Taking the Initiative: Elevating the Open Banking Proposition with Modulr eMoney Accounts

Entry Description
Modulr should be recognised for its unique Payment Initiation solution, which is helping businesses get paid faster, reduce fraud and deliver an optimal customer experience.
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TrueLayer & ClearBank – Creating two-way Open Banking traffic with PayDirect

Entry Description
PayDirect allows for seamless refunds and payouts in seconds, enhancing customer experience with two-way Open Banking payment traffic. With existing Open Banking payments only being facilitated in one direction, (to merchants) and customer satisfaction negatively impacted by this, TrueLayer created PayDirect; partnering with ClearBank to enable payouts to consumers.
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8
Best Marketing Campaign

Agility and Humour: How Barclaycard & Visa Helped SMEs Take Payments, Seriously

Entry Description
The best partners help by doing, not by talking. To support SMEs during COVID, the very least – and very best – that Barclaycard & Visa could do was double-down on what they have consistently done for them: take every payment seriously, making sure they’re paid for their hard work.
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BRITs Movers 2021

Entry Description
2021 marked the first time in 23 years of sponsoring the BRIT Awards, that Mastercard couldn’t harness music’s connective power in person. Turning this into an opportunity, Mastercard partnered with TikTok to create its own brand challenge designed to put people across the UK back in sync emotionally and physically.
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GoHenry and Visa Olympic Campaign Featuring Team Visa Athlete Sky Brown

Entry Description
GoHenry stands for independence, have a go spirit, ambition and fun! So, working with Visa, we launched a campaign around the Olympic Games, with a role model who embodies all that, and resonates with our audience; skateboarder and Team Visa athlete Sky Brown.
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How Barclaycard Helped Restore Britain’s Confidence in Credit

Entry Description
A nation whose confidence was rocked by the Covid-19 pandemic had started paying back balances rather than using their cards. This paper shows how the Barclaycard helped to restore the flagging spirits of the nation with the help of sidekick Nick Frost who encouraged us to ‘Get Credit Confident’.
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Launch of the Bank of Ireland BioSourced Visa Debit Card for Students

Entry Description
Bank of Ireland became the first financial brand in Ireland to introduce a BioSource Visa Debit Card. Sustainability is consistently cited as one the biggest issues facing generations to come. We wanted to take this insight and put sustainability in the hands of our young customers.
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One4all Digital Gift Card Campaign

Entry Description
With COVID-19 necessitating greater convenience and online capabilities, the speed, security and simplicity of digital gifting became paramount. One4all leveraged its world-first product, One4all Digital Gift Card, to deliver an innovative and fun marketing campaign that communicated the brand's personality and benefits of the product to likely purchasers.
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‘Walk Tall with Vanquis’ Empowers Everyone to be Financially Confident

Entry Description
In June 2021, Vanquis launched its first-ever fully integrated ad campaign ‘Walk Tall’. It was designed to demonstrate how Vanquis can help people take control of their finances and improve their financial future, enabling them to face the world with confidence and walk that little bit taller.
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“What do you Want” Showcases American Express® Gold and New Deliveroo Partnership

Entry Description
American Express partnered with online food company Deliveroo, to provide American Express® Preferred Rewards Gold Cardmembers up to £10 per month statement credit on Card purchases via the Deliveroo app or website. The “What do you Want” campaign showcased the best in class Card proposition and the new Deliveroo benefit.
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2
Best Payment Facility – non-credit

Digital Invoicing – An Innovative Open Banking Solution Powered by American Express

Entry Description
American Express’ Pay with Bank transfer (PwBt) service gave consumers a real-time, simple, secure payment option, where merchants received payment almost instantly. Added in January 2020, Digital Invoicing, a UK first to market solution, made it easier for merchants to accept Open Banking transactions and improved the customer payment experience.
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Marqeta and Novus: A Unique Payment Facility

Entry Description
Using a unique Open API, Marqeta was able to accelerate the launch of Novus’s banking app, which unifies a customer’s finances while allowing them to contribute to charitable causes with every transaction.
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7
Best Payments Industry Newcomer

EedenBull's Q Business Commercial Card and Spend Management Platform

Entry Description
EedenBull is a different fintech. We like to say we are as much “fin” as we are “tech”. We work closely with select bank partners in different markets across the world to provide innovative commercial card and payment solutions for banks to offer their SME business customers.
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HyperJar: World's Best Digital Payments Wallet

Entry Description
Look under the hood of traditional banks and payment models and you’ll see a dusty old combustion engine. HyperJar offers a better, smarter alternative with a revolutionary 21st century motor that serves both our audiences - consumers and merchants - better than ever.
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Identiq - The anonymous identity validation network

Entry Description
Identiq is a truly anonymous identity verification network that allows its members (B2C sites and apps) to validate new users, and vouch for ones they already know - in order to improve online customer experience and stop fraud - without sharing any customer data or identifiable information whatsoever.
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Payac: Evolving Payments for Irish Credit Unions, with the Help of TPL

Entry Description
This entry for Best Payments Industry Newcomer focuses on Payac and the introduction of the first Credit Union Current Account in Ireland.
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Swipen: Industry Newcomer to Watch

Entry Description
Swipen is the epitome of a visionary startup. Founded just two years ago, we have developed an e-commerce system that is so adaptable and advanced that we can move faster than many of the big industry leaders, assisting hundreds of customers with innovative, unique and tailored payment solutions.
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Virtual IBAN provider Monneo Creates a Unique Platform, Connecting Merchants and Banks

Entry Description
Virtual IBAN provider, Monneo, works with a network of banks to provide businesses with multiple IBAN accounts, across multiple banks via one intuitive platform.  The ground-breaking technology connects businesses with leading international banks, allowing clients to monitor and control access to their IBANs from any bank/s within Monneo’s network.
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xpate – a single multi-fit solution uniting all desired payment methods

Entry Description
Intuitive design, speed, and simplifying complex payments are at the core of xpate’s solutions. In just two years since its launch, xpate has established itself as one of the most disruptive, dynamic, and creative start-ups to emerge in recent times.
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4
Best POS Solution

ACI Omni-Commerce: Flexibility and Choice for Merchants through POS Innovation

Entry Description
ACI Omni-Commerce is enabling merchants to deliver the flexibility, choice and scalability they need. In-store, point of sale solutions like RevChip, Validated P2PE, PED, Terminal Management System and Payment Analytics bring simplicity and ease for managing operations smoothly and providing a world class payments experience.
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DivideBuy’s Integrated POS IFC finance Solution, Seamlessly Connects Retailers and Customers

Entry Description
DivideBuy is disrupting the POS finance market by occupying a unique position as both the lender and tech platform provider. Its cutting-edge flexible technology platform is helping retailers onboard new customers in-store and online effortlessly, with real-time affordability checks and approvals, generating increased sales and higher basket values for retailers.
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Global POS from Worldpay – The Complete Solution for Smarter, Secure, End-to-End In-Store Payments

Entry Description
Global POS makes purchasing easy with its state-of-the-art, secure checkout options. Global POS provides merchants the agility to react and adapt to changing situations while still accelerating sales performance.
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UTP - A Market Leading Provider of Payment Solutions and Faster Processing

Entry Description
UTP is a market-leading provider of credit and debit card payment solutions, including fixed/countertop, portable card machines, and mobile POS terminals. UTP also offers virtual terminals and e-commerce payment gateways to its customers. An official partner of Barclaycard, UTP is also licensed by Mastercard International and Visa Europe.
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5
Best Processing Programme or Proposition

Enfuce Joins forces with Transact Payments to Strengthen BIN Sponsorship Capabilities

Entry Description
This entry focuses on Enfuce joining forces with Transact Payments to strengthen BIN Sponsorship capabilities and what this has meant for its offering.
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Global Processing Services - The Paytech Pioneer™

Entry Description
Global Processing Services (GPS) is the trusted and proven payments processing partner for today’s leading fintechs, including Revolut and Starling Bank. GPS’ highly flexible and configurable platform places the control firmly in the hands of global fintechs, digital banks and e-wallets, enabling them to deliver rich functionality to the cardholder.
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PPS Delivers SME Support & Drives Financial Inclusion Amidst Global Pandemic

Entry Description
Through its commitment to technology, innovation and expansion, PPS’s processing platform has played a vital role in powering a range of fintechs throughout the SME and cross-border spaces to improve financial services for crucially underserved groups.
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Reach - Opening up the Global Marketplace through Localised Processing

Entry Description
Reach’s unique Merchant of Record (MOR) model allows businesses to access localised payment processing at lower cost and get optimal wholesale FX rates through its smart routing network for seamless cross-border payments. Through Reach, businesses of every size can enter new markets without establishing a physical presence in each market.
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Working with Twisto to Let People Pay their Way

Entry Description
Marqeta’s Open API allowed Czech FinTech company Twisto to process hundreds of thousands of payments across Europe.
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3
Best Product Design

Accessible and Sustainable Card Design

Entry Description
Our new Accessible Cards, have been designed with all of our customers’ needs in mind. Through partnership with charities, our customers and colleagues with disabilities, we created an entire card range that has been designed to meet the needs of everyone.
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EedenBull's Q Business Commercial Card and Spend Management Platform

Entry Description
Q Business from EedenBull is a unique customer-centric card and spend management platform for businesses. The front-end is white-labelled and offered through banks using their familiar brand. Q Business can combine any type of card on the same platform, it is extremely user-friendly and solves real challenges for the businesses.
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Experiential Luxury— Where Legacy And Success Are Elegantly Expressed

Entry Description
Aurae Lifestyle, through its bespoke solid gold MasterCards, has pioneered a new sector in luxury. Our members collaborate with us to create innovative art that expresses their legacy, highlights their passions and celebrates their achievements. The mundane act of card payments is transformed into a memorable experience: Experiential Luxury.
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8
Best Security or Anti-Fraud Development

ACI Fraud Management: Defeating Fraud with Next-Gen Machine Learning

Entry Description
ACI Fraud Management for merchants includes a unique combination of artificial intelligence and machine learning driven patented predictive models, flexible rules engine, automated alerts and processes, business intelligence portal and unrivalled global fraud intelligence – supported by a global payment optimization risk team.
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FraudSight: Protects Merchant Revenue While Fighting Fraud at Checkout

Entry Description
Informed by 40 billion transactions, FraudSight’s flexible, multilayered approach delivers tailored fraud protection through an effortless integration and a dynamic combination of payment data insights, leading fraud expertise, and machine-learning technology that continually adapts so merchants can focus on customer experiences and business growth.
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Interrupting APP Scams In Progress Using Machine Learning

Entry Description
Monzo has built and implemented new machine learning technology within two months, to identify and prevent the highest risk payments likely to have been initiated by the victims of scams in real-time
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Making Shopping Simple - Delivering Seamless Online Card Authentication

Entry Description
Our customer-first app allows users to quickly and securely confirm that they’re the ones making a payment – not someone else. With the latest biometric identification technology, Chase customers can prove their identity to us using little more than a smile.
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PCI Pal : Enabling PCI DSS Compliance During the Pandemic

Entry Description
PCI Pal has supported organisations in being able to continue handling customer card payments in a secure and compliant way, amid the pandemic. As staff transitioned to working from home, ultra-fast deployment of PCI Pal’s payment security solutions has been possible via its globally-available cloud environment.
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Showcasing Accertify’s Strong Customer Authentication (SCA) Solution for Leading Ecommerce Company Showroomprivé

Entry Description
Accertify supported one of Europe’s biggest ecommerce companies Showroomprivé in a highly successful SCA transition. Within one month Accertify’s innovative SCA Optimisation solution, gave 90% of customers a seamless checkout experience, increased sales conversion across channels to 8%, increased authorisation approval to 1.5% and cut Account Takeover Fraud by 33%.
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Stopping Authorised Push Payment (APP) Fraud with Confirmation of Payee

Entry Description
APP fraud across Faster Payments has overtaken the card industry for losses and has been labelled a national security risk. UK Finance reported £479million loss in 2020 which is already up 71% mid-2021. Action is needed to maintain the trust in our payment infrastructure. Bottomline is championing this industry cause.
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THG Detect: The Proprietary Fraud Engine Built by Retailers, for Retailers

Entry Description
As a global Group with a duty to reduce the threat to its own brands, customers, and clients from fraudsters and opportunists, THG requires a fraud platform that can assess the risk of every type of transaction. THG Detect is the Group's in-house solution built by retailers, for retailers.
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7
Best Service to Business

Countingup & PPS

Entry Description
Countingup is the new, simple app to run a small business. It's a business account. Its accounting software. No one ever started a business because they wanted to do bookkeeping and admin. Countingup takes away this tedious work and gives people back their time.
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Elavon’s Comprehensive Support for Merchants’ PSD2 Remediation

Entry Description
Elavon facilitated a highly successful, two-pronged approach to PSD2 remediation. It identified customers at risk, upgraded its acquiring platform and technology, and remediated merchants ahead of the deadline. Elavon also launched an innovative new service, Transaction Risk Analysis, to help merchants take advantage of PSD2 exemptions and prevent cart abandonment.
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Mastercard Card to Account Transfer, Issued by HSBC

Entry Description
Mastercard Card to Account Transfer is an Accounts Payable solution that solves the problem of limited Card acceptance in B2B supplier payments. C2AT enables businesses of all sizes to pay any supplier from their commercial card line of credit - regardless of whether the supplier accepts card payments.
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Moss's Mission to Digitize the Spend Management of SMEs

Entry Description
Companies should have easier access to powerful and smart corporate credit cards, giving them more time to push their core business forward. With this mission, Ante Spittler, Anton Rummel, Ferdinand Meyer and Stephan Haslebacher founded the financial management platform for holistic expense management in Berlin in 2019.
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UTP - A Market Leading Provider of Payment Solutions and Faster Processing

Entry Description
UTP is a market-leading provider of credit and debit card payment solutions, including fixed/countertop, portable card machines, and mobile POS terminals. UTP also offers virtual terminals and e-commerce payment gateways to its customers. An official partner of Barclaycard, UTP is also licensed by Mastercard International and Visa Europe.
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Virtual IBAN provider Monneo Creates a Unique Platform, Connecting Merchants and Banks

Entry Description
Virtual IBAN provider, Monneo, works with a network of banks to provide businesses with multiple IBAN accounts, across multiple banks via one intuitive platform.  The ground-breaking technology connects businesses with leading international banks, allowing clients to monitor and control access to their IBANs from any bank/s within Monneo’s network.
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WEX - The B2B Payments Partner of Choice During Times of Crisis

Entry Description
Powered by the belief that complex payment systems can be made simple, WEX is a leading financial technology service provider across a wide spectrum of sectors, including fleet, travel and healthcare.
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8
Best Technology Initiative

Banking Circle Migration to the Cloud

Entry Description
Banking Circle’s cloud-based de-coupled architecture allows us to react quickly to changing client demands, and provide ever-faster payments, particularly when compared to traditional banks. This has allowed us to bring multiple new solutions to market quickly and cost-effectively, fixing significant challenges for payments providers and their customers.
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CashtoCode Digitises and Secures Cash Worldwide

Entry Description
CashtoCode digitises and secures the oldest currency in the world, cash. Its enables a unique connection between ecommerce and the real world, extending the merchant checkout to 400,000 real-world locations worldwide.
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Elavon’s Comprehensive Support for Merchants’ PSD2 Remediation

Entry Description
Elavon facilitated a highly successful, two-pronged approach to PSD2 remediation. It identified customers at risk, upgraded its acquiring platform and technology, and remediated merchants ahead of the deadline. Elavon also launched an innovative new service, Transaction Risk Analysis, to help merchants take advantage of PSD2 exemptions and prevent cart abandonment.
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Engaging with our New Customers - The Capital One Account Builder

Entry Description
With its onboarding process potentially preventing some customers ever using new credit accounts, Capital One knew it was missing an early engagement trick. With its step-by-step onboarding journey, the Account Builder makes the process simple and quick, driving up activation and usage whilst fostering great account management habits.
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Konsentus Verify

Entry Description
Konsentus is an infrastructure platform enabling financial institutions to transact safely and securely within the open banking and open finance ecosystems. Our award-winning SaaS solution, Konsentus Verify, provides confidence and trust by performing real-time identity and regulatory checking services ensuring that account access is never given to fraudulent third parties.
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PayFrom Bank

Entry Description
PayFrom Bank is the latest addition to Lloyds Banking Groups suite of API's. PayFrom Bank has utilised these API’s allowing our customers to receive funds real time and directly from the end users bank account.
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The technologi ecosystem

Entry Description
The technologi ecosystem supports acquiring banks, payment facilitators, ISO’s and marketplaces by automating merchant on-boarding, AML verification, credit risk underwriting and improve the efficiency of their customers large scale, often complex transaction settlement requirements. The platform essentially enables industry to bring FinTech innovation to even the most traditional, payments architecture.
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Worldpay’s FraudSight, Powered by Featurespace - Protects Merchant’s National Network from Carding Attack.

Entry Description
In March 2021, Worldpay was alerted to a sudden carding attack on a merchant's website. Worldpay immediately deployed FraudSight, preventing hundreds of thousands of dollars per day in losses, while enabling the merchant to carry on business as usual, protect customers, and increase its usual number of transactions.
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6
Changing Lives in the Community

Azzuri Group and Pennies – A Micro-Donation Partnership Transforming Communities and Lives

Entry Description
In 2020 Azzurri and Pennies – with the support of Azurri’s third party consultancy partner AND Digital – created and delivered a payment solution fit for a post-pandemic clientele; a pay at table app that reduced customer interaction with our colleagues and allowed for socially distanced ordering and payment.
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Carer Banking by Contis - Protecting Vulnerable People's Financial Wellbeing

Entry Description
Contis turned its innovation engine to tackling financial difficulties caused by the pandemic. The new Cura App is the first product of its kind - using open banking and Contis’ carer banking technology for a ‘trusted supporter’ to safely shop and manage the financial wellbeing of a vulnerable person.
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Edenred Delivers Free School Meals through the Pandemic

Entry Description
The Free School Meal Voucher Scheme delivered by Edenred ensured that 1.4m families received money to feed their children in lockdown. By the end of the scheme Edenred had distributed the equivalent of 161m meal allowances worth £483m in a scheme which was designed and launched in just three weeks.
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Mastercard x Grassroots Defibrillator Campaign

Entry Description
Mastercard were asked by the Grassroots Football Team to help with rapidly deploying mobile defibrillators to 100 community clubs in the UK. We jumped at the chance to offer our help and in a few short weeks, life-saving equipment and first responder training was delivered up and down the UK.
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More than Just Giving

Entry Description
We wanted the McLEAR Smart Ring to be a force for good and use our technology to do something meaningful that encourages generosity and communal spirit but also give our Ringholders the ability to support the community every time they made a purchase with their Ring.
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The PFG/Vanquis Social Impact Programme: Investing in our Communities

Entry Description
Our Social Impact Programme strategy supports our purpose of helping to put people on a path to a better every day life by addressing key barriers to financial and social inclusion and helping people overcome them.
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7
Social Inclusion in Financial Services

Accessible and Sustainable Card Design

Entry Description
Our new Accessible Cards, have been designed with all of our customers’ needs in mind. Through partnership with charities, our customers and colleagues with disabilities, we created an entire card range that has been designed to meet the needs of everyone.
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CashtoCode: The Digital Cash Product for Emerging Markets

Entry Description
Cash is the most socially inclusive payment mechanism in the world – it is the oldest, most accepted, widely used and best understood form of payment ever created. CashtoCode was developed to be a “bullet-proof” payment product for difficult to access markets and customer groups across developed and emerging markets.
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Clubcard Pay+

Entry Description
Clubcard Pay+ provided by Tesco Bank, has launched in 2021 as a product that has been built to meet the needs of Tesco customers.
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Ensuring Financial Inclusion in all Interactions (Nationwide Credit Card)

Entry Description

Throughout the pandemic Nationwide has been acutely aware of the financial impact on our members. We believe for us to build an inclusive culture that values and fosters diversity and difference in its broadest sense, inclusion must be business-led.

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Financial Fitness Score

Entry Description
A short, simple digital tool to help users generate a score out of 100 for their financial health, with dynamic recommendations around how they can take steps to improve their score and the option to discuss results with our in-house financial fitness trainers.
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Nationwide’s inclusive Dot&Notch Eco cards

Entry Description
Our new Dot&Notch Eco cards are designed to make life easier for our visually impaired and blind Members. To be mutually inclusive, they will be sent to ALL our Members. The cards have ‘Dot and Notch’ Accessibility features as well as being made from 85.5% recycled PVC.
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Nobody in the Dark

Entry Description
Mastercard’s Nobody in the Dark programme addresses the digital and financial exclusion of Britons, exacerbated by COVID19. Supported by our coalition of partners, we provide self-serve resources and direct support to thousands of individuals, enabling them to take control of their finances; reinforcing Mastercard’s dedication to global financial inclusion.
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