- AI-led Value Creation
- Business Banking Innovation
- Business Model Innovation
- Customer Experience Innovation
- Digital Player Special Category
- Modern Tech Innovation of the Year
- Operational Transformation
- Product and Service Innovation
- Social, Sustainable & Responsible Banking Innovation
- Transformative Innovator of the Year
AI-led Value Creation
This category recognizes pioneering AI-driven banking initiatives leveraging predictive, generative, and agentic AI to deliver substantial business value. It honors solutions that enhance operational effectiveness, decision-making, and customer experiences at scale, supported by robust data foundations. Entries must demonstrate measurable ROI and reflect strong responsible AI practices, including governance frameworks that ensure ethical, secure, and sustainable AI deployment.
Gold
Hidden Affluent Asset Estimation
Hidden Affluent Asset Estimation: a privacy-by-design AI system predicting customers' sector-wide wealth without internal bank data. Carbon-aware model selection via...
Read moreSilver
Convergent AI Simulation Trainer: 'Klantgesprekken'
At ABN AMRO, Klantgesprekken is our AI-powered "flight simulator" for banking pros. It boosts NPS 2.3x, +45% accuracy, +34% brand...
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Smart virtual banking assistant
An AI-driven virtual banking assistant that reads customer intent, offers personalized real‑time advice, and instantly routes clients to advisors when...
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Business Banking Innovation
This category recognizes banks that are driving breakthrough business banking innovation and digitization across channels, cash management, payments, treasury, trade and supply chain finance, and similar areas. It showcases banks driving such digital innovation to deliver tailored, efficient solutions enabling SMEs, mid-sized businesses, and large corporates.
Gold
CommBank Companion
CommBank Small Business Financial Companion is an AI assistant built to give small business owners something generic tools cannot: support...
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State Bank of India's YONO Business
Transforming business banking through a unified digital ecosystem that brings payments, trade finance, forex, lending, API banking, investments and insurance...
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Virtual Account-Based Solutions
BNY’s Virtual Account-Based Solutions (VABS) help modern treasuries simplify account structures, boost cash visibility and automate processes. The platform enables...
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Business Model Innovation
This category honors creative new strategies and initiatives that transform the bank’s business model to expand or redefine its role in the evolving ecosystem. This category aims to acknowledge banks that have spearheaded transformative efforts to compete in the realm of "new-age banking". This includes scaling novel models like a digital-first proposition, embracing embedded finance, marketplace banking, super apps, BaaS, API monetization, and alternate revenue models.
Gold
COMMERCIAL Business Model Innovation: Santander Spain's Value-Based Banking Model for Companies
Santander has transformed Commercial Banking in Spain from turnover-based segmentation to a growth-potential advisory model, combining specialization, AI-driven insights and...
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API Banking & API Developer Portal Ecosystem
We transformed banking into a platform business through more than 420 APIs, a self-service developer portal, and embedded finance. We...
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Facilitea Casa
Facilitea Casa is CaixaBank’s real estate platform that combines property search, mortgage simulation and advisory in one place, helping customers...
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Bank on the right advice - Strategic repositioning through a new business model
International Business Model Reinvention of the Year
Read moreCustomer Experience Innovation
This category showcases initiatives that leverage modern technologies and AI to reengineer customer experiences across digital and physical channels, including conversational banking, unified digital engagement, and seamless omnichannel journeys. It also recognizes impactful marketing, sales, and distribution innovations that create engaging brand experiences, optimize channels and advertising, and strengthen customer communication. Entries should demonstrate measurable impact on customer satisfaction, loyalty, retention, and advocacy.
Gold
Standard Bank’s Money Reels
Standard Bank’s Money Reels transforms banking data into an engaging, emotionally resonant digital experience, using personalised short-form financial storytelling to...
Read moreSilver
Critical Customer Journey Redesign: How TBC Rebuilt Its Banking Flows to a World-Class Standard
TBC rebuilt 10+ core banking journeys from scratch in 2025 - not redesigns, full rebuilds - with the CEO and...
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Charles Darwin – Transforming Customer Experience Through Employee Behavior
A scalable model that transforms customer experience by changing employee behavior through continuous, narrative-driven communication, delivering measurable improvements in engagement,...
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Scotiabank mobile banking app: AI-Powered Predictive Payment Prompts
Special Award for Excellence in Predictive AI
Read moreDigital Player Special Category
Gold
Reinventing Financial Experiences Through an AI-First Banking Model
Cake built Vietnam’s first AI-First digital bank from scratch—no legacy, no branches. In five years: 7M customers, EBITDA profitability, and...
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Auto Accountant
Auto Accountant is an AI-powered accounting and tax engine embedded within ANNA's business account. It automates bookkeeping, compliance and tax...
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Neko Sensei - The Financial Coach
Meet Neko Sensei, your pocket-sized financial mentor from AEON Bank.
Read moreSpecial
AEDZ, the UAE's First Regulated, Multi-Chain AED-Backed Stablecoin on Public Blockchains.
Special Award for Stablecoins Project
Read moreModern Tech Innovation of the Year
This category recognizes banks leveraging modern technologies to architect the future of banking. It celebrates impactful use of Blockchain, Open APIs, IoT, Mixed Reality, stablecoins, and digital assets to unlock new possibilities. The award also honors contemporary core transformation initiatives, including composable architectures and “hollowing the core” strategies that modernize infrastructure while enabling agility, scalability, and innovation at speed.
Gold
IoT Payments by Eurobank: Fuel up your car, pay effortlessly and go.
IoT Payments by Eurobank lets drivers pay for fuel through license-plate recognition, IoT orchestration and Eurobank APIs - no cash,...
Read moreSilver
Scaling a relationship led bank faster
Scaling Smarter: Bank of Sydney’s Core TransformationFor over a decade, Bank of Sydney’s rapid growth was constrained by a pre-digital...
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DBS’ Tokenised Structured Notes on Ethereum Public Blockchain
Bringing structured notes on-chain through bite-sized, fungible tokens secured by smart contract safeguards and institutional-grade custody to eligible investors on...
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Operational Transformation
This category awards banks that have successfully navigated complexities through process re-engineering and operational transformation, laying the foundation for profitable and resilient growth. Initiatives include scalable automation and process transformation that enhances efficiency, risk management, cybersecurity, and governance. The category also recognizes workforce transformation efforts that strengthen employee experience, reskilling, and organizational readiness for the future.
Gold
Accelerate Digital and AI by radical operational simplification
We unify digital and human banking with Mobile and Conv. AI, eliminate legacy complexity and focus investments on a scalable...
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Open Finance as a Strategic Driver of Credit at Bradesco
Open Finance integrated with Bradesco’s credit engines enables fairer, hyper-personalized decisions in near real time, expanding offerings, reducing information asymmetry,...
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The AI-Driven Internal Support Ecosystem: EMILIO, TEO & SFERA
Empowering our branch network with an "Everyday AI" ecosystem. By combining virtual assistants, SME-curated knowledge bases, and smart scheduling, we...
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URefer: Turning Workforce Trust into a Digital Acquisition Engine
Special Award for Innovative Ways of Working
Read moreProduct and Service Innovation
This category showcases innovative products and offerings, developed independently or through collaborative partnerships, that match customers’ evolving digital lifestyles to foster sustainable growth. These include breakthrough concepts that dramatically enhance, transform, or tailor the banks’ offerings to specific market segments across products such as deposits, credit, payments, investments, and advice.
Gold
Maybank Global Access Account (GAA): Seamless Multicurrency Banking in One App
A borderless digital account enabling customers to hold and transact multiple currencies seamlessly, with real-time FX rates, zero conversion fees...
Read moreSilver
BoursoFirst: Subscription-Based Digital Private Banking Platform
BoursoFirst is BoursoBank’s subscription private banking offer: €29/month for a curated in-app platform of wealth products, preferential pricing and expert...
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Akbank Mobil Live Markets
Akbank Mobil Live Markets transforms everyday banking into a dynamic trading floor. Get real-time data, personalized insights, market news and...
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Social, Sustainable & Responsible Banking Innovation
This category honors banks that demonstrate leadership in ESG through responsible operations and innovative customer offerings. It recognizes initiatives that advance financial inclusion, rural banking, climate-linked financing, and measurable community impact. Entries should reflect a strong social purpose, commitment to sustainable growth, and meaningful support for customers and communities in their long-term journey.
Gold
Agricultural Women’s Credit Card
The Mujer Agro Credit Card promotes rural financial inclusion with a gender-focused approach, offering preferential credit, education, and productive assistance...
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“When Numbers Tell Stories “ - Social Impact Report
Banco Montepio pioneered social impact measurement in Portugal’s banking, integrating ESG into strategy, governance and financing. 2025 Report: €1.08B, 465,000...
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Nationwide Benefits Proposition: Unlocking Unclaimed Government Support
The Nationwide Benefits proposition combines a user-friendly calculator with unique telephone access to benefits experts, helping customers access unclaimed support....
Read moreTransformative Innovator of the Year
The winner is a bank or banking group that has successfully achieved a best-in-class transformation approach to create and deliver tangible value. Their corporate vision also commits it to continuous innovation and a journey of digital transformation to ensure the organization remains relevant, agile, and capable of adapting to the ever-evolving business landscape.
