2026 Winners

Industry Achievement

This award was presented posthumously to Becky Clements

Sponsored by: American Express


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Best Achievement in Sustainability

WINNER: Nationwide Building Society
100% Recycled Plastic Card Initiative


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Best App User Experience

WINNER: Capital One
Going Digital: how Capital One are transforming recovery


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Best Application of AI or ML in Financial Services

Highly Commended: Featurespace, a Visa Solution
Redefining fraud prevention with ADBNs – a new class of deep learning algorithm



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Best Benefits or Loyalty Scheme

WINNER: American Express
Reaping more from American Express® Membership Rewards®

Sponsored by: Dragonpass


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Highly Commended Best Benefits or Loyalty Scheme

Highly Commended: Currensea / Hilton Honors
Sponsored by: Dragonpass



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Best Credit Card or Credit Facility

WINNER: Zilch
Zilch: Ad enabled, regulated credit that lowers the cost of borrowing



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Best Customer Service

Winner: Capital on Tap
Capital on Tap: Redefining SME Support with AI-Powered Human Expertise



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Best Early Stage Future Payments Initiative

WINNER: OpenPayd
OpenPayd stablecoin infrastructure: move and manage money globally



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Best Industry Innovation

WINNER: Outpayce from Amadeus
One Click Stay from Outpayce and Voxel

Sponsored by Fiserv


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Best Initiative in Open Banking

WINNER: Visa, Kroo, Utilita and Tink

Visa A2A


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Best Marketing Campaign

Winner: Capital One
Sharing Transparency and 'No Nasty Surprises' in Credit



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Best Payment Facility

WINNER: Dojo
From Dojo Pocket, Dojo Wired, to Tap to Pay on iPhone and Dynamic Currency Conversion, Dojo gives businesses faster payments and greater reliability, whether at the table, or on the move.

Best Payments Industry Newcomer

WINNER: Paysecure
Driving Acceptance, Resilience, and Growth for High-Risk, High-Volume Merchants

Sponsored by: Mastercard

Best POS Solution

WINNER: Nayax
VPOS Touch is an all-in-one cashless POS and telemetry device for unattended retail. EMV-certified and universally compatible, it accepts 80+ payment methods, enables real-time machine monitoring, and deploys in minutes.

Best Pre-Paid Product or Programme

WINNER: Railsr and Yordex
Empowering NGOs with humanitarian prepaid cards for global emergencies

Highly Commended Best Pre-Paid Product or Programme

Highly Commended: EML Payments
Fair For You - Changing lives through better lending

Best Cross-Border Payments Initiative

WINNER: Fyorin
Fyorin - Bridging Cross-Border Payments & Card Payments Gaps for the Mid-Market

Best Product Design

Winner: Revolut & Visa
Revolut x Visa NBA Cards

Best Security or Anti-Fraud Development

WINNER: Barclays Bank
Barclays Scam Prevention Using Scam Signal from FICO and JT

Best Service to Business

WINNER: Capital on Tap
A Unified Platform for SME Financial Empowerment

Sponsored by: Discover Network

Best Technology Integration

WINNER: Conferma
Conferma Connect Direct: The first global PMS integration for virtual cards

Sponsored by: Ingenico

Changing Lives in the Community

Winner:  Elavon, a division of U.S. Bank
Using Payment Intelligence to Combat Human Trafficking: Banking Innovation for Social Good

Financial Inclusion

WINNER: Capital One
Capital One Credit Card

Sponsored by: Visa


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The Judges' Award

WINNER: Metro Bank

The judges were thoroughly impressed by Metro Bank. Their approach to deliver an impactful mechanism to improve scam awareness and strengthen community-level resilience provided a credible industry benefit and represented a meaningful contribution warranting formal recognition.



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