Fintech & Payments 2023

PLATINUM WINNER - Juvo
Juvo utilizes advanced data science and machine learning technologies to build financial identities for the 3.9 billion people today who lack a formal financial record. Financial identities are creating new revenue opportunities for Mobile Network Operators and Financial Institutions by allowing them to engage with more consumers.

Find out more: https://juvo.com

GOLD WINNER - Lidya
Lidya is a USA holding financial institution that provides access to credit and finance across frontier and emerging markets. Our team is spread across 3 continents and 5 countries which are USA, Portugal, Nigeria, Poland and Czech Republic.

Find out more: https://www.lidya.co

Temenos Core Banking solution is modular and enables easy integration with existing systems allowing for progressive upgrades. Temenos continues to innovate by offering a highly competitive and agile retail banking platform solution, innovations which are augmented further by the continued development of its product suite.

PLATINUM WINNER - Microsoft Microsoft Dynamics 365 Fraud Protection

Increase your revenue and protect your reputation with comprehensive fraud protection that decreases fraud, reduces operational expenses, and increases bank acceptance rates.

Find out more: https://dynamics.microsoft.com/en-gb/ai/fraud-protection/

GOLD WINNER - Kount Kount
Industry-leading protection for the entire customer journey – from account creation and login to payments and disputes. Reduce chargebacks, manual reviews, and false positives to increase approval rates and revenue.

Find out more: https://kount.com/

Temenos Core Banking solution is modular and enables easy integration with existing systems allowing for progressive upgrades. Temenos continues to innovate by offering a highly competitive and agile retail banking platform solution, innovations which are augmented further by the continued development of its product suite.

PLATINUM WINNER - Fraud.net
Fraud.net is a leader in AI-powered enterprise risk intelligence. Its award-winning fraud detection platform helps digital businesses to quickly identify transactional anomalies and pinpoint fraud using artificial intelligence, big data and live-streaming visualizations. Fraud.net’s platform was designed to combat hard-to-detect fraud at digital enterprises in the e-commerce, travel and financial services sectors.

Find out more: https://fraud.net

GOLD WINNER - Fiserv
Thousands of organizations turn to Fiserv for financial services technology and payments innovation every day. The largest financial institutions and best-known enterprises. The most innovative fintechs. Complex public agencies. The favorite bakery down the street. They all partner with Fiserv to deliver differentiated experiences while increasing efficiency, streamlining operations, building customer loyalty and managing costs.

Find out more: https://www.fiserv.com/

WINNER - Eugene Danilkis, CEO & Co-founder of Mambu
Mambu exists to empower our customers to deliver great modern financial experiences easily to everyone around the world. Who are these people that we want to empower? They are the developers, the architects, the business analysts, the innovators of our customers. They work with our platform, our teams, and our services to create great outcomes for their millions of customers - be they entrepreneurs in NYC, farmers in Kenya or SMEs in Brazil.

Find out more: https://mambu.com/

PLATINUM WINNER - IDVerse
IDVerse helps you quickly scale your business globally. Our fully-automated solution verifies new users in seconds with just their face and smartphone - in over 220 countries and territories with any ID document - without the burden of human intervention.

Find out more: https://idverse.com/

GOLD WINNER - Experian Ascend Fraud Sandbox
Experian is the world’s leading global information services company. During life’s big moments – from buying a home or a car, to sending a child to college, to growing a business by connecting with new customers – we empower consumers and our clients to manage their data with confidence.

Find out more: https://www.experian.com/business/products/crosscore

Jessi Baker collects Juniper’s first Fintech Mover & Shaker Award
“We live in the age of information, and yet, we as consumers continue to be disconnected from where our products come from and how they are made,” said Jessi Baker, CEO of Provenance. “We believe that in the future transparency will be a fundamental requirement for success; consumers want to support businesses that impact the environment and society positively. This means brands and global businesses will likely fail if their customers cannot easily access product information. This, for us, makes transparency in the supply chain crucial. It's great to be nominated for this award that recognises our work to try and drive that movement.”

Find out more: https://www.provenance.org/

PLATINUM WINNER - Kount Identity Trust Platform
Kount’s Identity Trust Platform prevents digital fraud and protects the entire customer journey. Identity trust is the level of trust or risk behind account creation, login, and payment events. Low-trust events may indicate fraud, while high-trust events indicate good customers.

Find out more: https://kount.com/

GOLD WINNER - LexisNexis® ThreatMetrix®
ThreatMetrix® provides an enterprise solution for digital identity intelligence and authentication powered by insight from billions of transactions, embedded machine learning, and a powerful decision platform.

Find out more: https://risk.lexisnexis.co.uk/products/threatmetrix

WINNER - Simon Khalaf, CEO of Marqeta
Simon is Marqeta’s Chief Executive Officer, leading the company’s strategic direction, development and delivery of the company’s products. Simon is a veteran product leader, entrepreneur and investor with over 25 years of experience in B2C and B2B companies. He’s passionate about building, scaling and distributing products that have the power to delight hundreds of millions of consumers, businesses and developers.

Find out more: https://www.marqeta.com

PLATINUM WINNER - Fraud.net
Fraud.net is a leader in AI-powered enterprise risk intelligence. Its award-winning fraud detection platform helps digital businesses to quickly identify transactional anomalies and pinpoint fraud using artificial intelligence, big data and live-streaming visualizations. Fraud.net’s platform was designed to combat hard-to-detect fraud at digital enterprises in the e-commerce, travel and financial services sectors.

Find out more: https://fraud.net

GOLD WINNER - Experian Ascend Intelligence Services
Ascend Intelligence Services™ is a fully integrated suite of custom analytics solutions designed to empower lenders with Experian's advanced data and analytics capabilities. We transform your existing system into a state-of-the-art AI lending platform by rapidly developing, deploying and monitoring sophisticated models and strategies to more accurately predict risk and monitor portfolio health.

Find out more: https://www.experian.com/business-services/ascend-intelligence-services

WINNER - Sophie Guibaud, Chief Growth Officer, OpenPayd
OpenPayd brings together experts from banking, payments and fintech sectors with a view to disrupting corporate banking and payment service provision.

Find out more: https://www.openpayd.com

PLATINUM WINNER - Aire

A simple purpose, a personal mission: Aire was established to make credit equitable for everyone. From award wins, to industry engagement and speaking opportunities, we’re passionate about sharing our story with you.

Find out more: https://aire.io/

GOLD WINNER - Kount
Kount’s best-in-class fraud prevention solutions protect the digital innovations of over 6,500 brands globally. We have earned recognition as the market leader in digital fraud prevention, with over 12 years of data informing our advanced ML/AI models.

Find out more: https://www.kount.com

Fiserv is a provider of technology solutions to the financial world, including banks, credit unions, securities processing organizations, insurance companies, finance companies and mortgage banks.

Find out more: https://www.fiserv.com

PLATINUM WINNER - credolab
credoSDK is a multi-modular library of code that enables any Android and iOS app to capture behavioural metadata. With the user’s permission, credoSDK collects privacy-consented and anonymous metadata and sends it to credolab proprietary scoring engine. The API returns risk and fraud scores, anti-fraud checks, and marketing insights in real-time.

Find out more: https://www.credolab.com/​

GOLD WINNER - Provenir
Decisioning software isn’t one-size-fits-all. You need purpose-built technology designed to outpace market evolution, and maintain your rank as an innovative and disruptive financial services player. Provenir powers risk decisioning processes across identity, credit and fraud to help you get ahead, and stay ahead of risk. We’ve designed our AI-Powered Decisioning Platform, with key data, AI and decisioning capabilities, to give you the flexibility to iterate, expand, and scale on your timeline. Technology shouldn’t dictate your path forward, it should empower it. Define your own journey with a flexible Platform-as-a-Service solution!

Find out more: https://www.provenir.com/

Adyen was founded in 2006 by a group of entrepreneurs, including Pieter van der Does and Arnout Schuijff. The existing payments technology consisted of a patchwork of systems built on outdated infrastructure. With the aim of helping businesses grow, the co-founders set out to build a platform capable of meeting the rapidly evolving needs of today's fast-growing global businesses.

Find out more: https://www.adyen.com

Klarna is one of Europe’s largest banks and is providing payment solutions for 60 million consumers across 170,000 merchants in 17 countries. Klarna offers direct payments, pay after delivery options and instalment plans in a smooth one-click purchase experience that lets consumers pay when and how they prefer to.

Find out more: https://www.klarna.com

WINNER - Finicity
Finicity’s open banking platform and data aggregation solutions are being used by some of the largest and most innovative organizations in the world to empower their customers with better financial experiences.

Find out more: https://www.finicity.com/

PLATINUM WINNER - Apiture
At Apiture, our goal is to provide banks and credit unions of all sizes the ability to take control of their digital experience, exceeding their customers’ and members’ expectations. We strive to provide a best-in-class client experience with our team of product and customer success experts offering personal support each step of the way.

Find out more: https://www.apiture.com

WINNER - Marqeta
Marqeta powers today’s innovators to bring leading card programs to market. Marqeta’s modern card issuing platform is built from the ground up to provide booming startups and global enterprises with a modern solution they can trust. From Buy Now, Pay Later financing to crypto payment solutions, the Marqeta platform delivers the experience, scale, and reliability companies need to build disruptive solutions.

Find out more: https://www.marqeta.com/

WINNER - Apiture
At Apiture, our goal is to provide banks and credit unions of all sizes the ability to take control of their digital experience, exceeding their customers’ and members’ expectations. We strive to provide a best-in-class client experience with our team of product and customer success experts offering personal support each step of the way.

Find out more: https://www.apiture.com

Stripe is a technology company that builds economic infrastructure for the internet. Businesses of every size—from new startups to public companies—use our software to accept payments and manage their businesses online.

Find out more: https://stripe.com

PLATINUM WINNER - FICO Platform
FICO Platform revolutionizes how organizations make decisions and apply intelligence across the customer lifecycle. Innovators are outpacing their competition by creating an ‘enterprise intelligence network’ that transforms their company. This creates a radical new way to operationalize data-driven decisioning and AI with responsible AI at the core and the agility to adapt to our changing world.

Find out more: https://www.fico.com/en/fico-platform

WINNER - Ripple
The U.S. Dollar-backed Palau Stablecoin (PSC) has the unique advantage of being issued on the XRP Ledger (XRPL), a carbon-neutral blockchain that has been used to transact millions of transactions over the course of 10 years, enabling privacy and security for settlement and liquidity of tokenized assets.

Find out more: https://ripple.com/

Bringing together experts in payments, banking, loyalty, cloud technology and user experience design, Pollinate is more than just a collection of individuals. We are passionate about small businesses, and together with our banking partners, are transforming commerce for SMEs.

Find out more: https://www.pollinate.co.uk/

In the past 9 years, the TransferWise movement has spread far and wide. Over 8 million happy customers now trust us to move more than £4 billion every month, saving them £3 million in bank fees every day. And Richard Branson, and PayPal co-founder Max Levchin, among others, have invested in our vision.

Find out more: https://transferwise.com/

Yobota collects Banking Innovation of the Year Award
"We’re delighted to be recognised by Juniper Research as the Banking Innovation of The Year." said Yobota CEO Ammar Akthar. "This award signifies all the hard work we have put into the Yobota platform to make it go live in under two years. The journey to get to this point has been an eventful one from being a team of less than fifteen people, to now employing over forty – and still growing. As we move forward and continue to innovate, this award recognises our work in revolutionising the banking industry.”

Find out more: https://yobota.xyz/

PLATINUM WINNER - Infosys Finacle Digital Banking Solution Suite
Finacle helps traditional and emerging financial institutions drive truly digital transformation to achieve frictionless customer experiences, larger ecosystem play, insights–driven interactions and ubiquitous automation. Today, banks in over 100 countries rely on Finacle to service more than a billion consumers and 1.3 billion accounts.

Find out more: https://www.edgeverve.com/finacle/

GOLD WINNER - Banking Circle

Banking Circle is a new bank, that is fully licenced yet free from the legacy systems that can make traditional banking slow and expensive. Working with Banking Circle and utilising our technology, Payments businesses and Banks of any size are able to seize opportunities in the new economy.

Find out more: https://www.bankingcircle.com

PLATINUM WINNER - Goldman Sachs Transaction Banking (TxB)
We’re helping clients build a treasury of the future and powering software partners to enhance their offerings. Our mission is simple: provide a global transaction banking platform that is nimble, secure, and easy for clients to use and for partners to connect to.

Find out more: https://www.goldmansachs.com/what-we-do/transaction-banking/

GOLD WINNER - Finicity Open Banking Platform
Finicity’s open banking platform and data aggregation solutions are being used by some of the largest and most innovative organizations in the world to empower their customers with better financial experiences.

Find out more: https://www.finicity.com/

PLATINUM WINNER - Mambu
Mambu exists to empower our customers to deliver great modern financial experiences easily to everyone around the world. Who are these people that we want to empower? They are the developers, the architects, the business analysts, the innovators of our customers. They work with our platform, our teams, and our services to create great outcomes for their millions of customers - be they entrepreneurs in NYC, farmers in Kenya or SMEs in Brazil.

Find out more: https://mambu.com/

GOLD WINNER - Pollinate
Pollinate is creating the next generation of digital tools for small businesses, being deployed by banks around the world.

Find out more: https://www.pollinate.co.uk/

PLATINUM WINNER - Synapse
We are the only banking as a service platform enabling companies across the globe to launch feature complete deposit, credit and crypto products in weeks. Whether you're launching a fintech or embedding financial products, Synapse can accelerate your path to innovation and growth.

Find out more: https://synapsefi.com/

GOLD WINNER - Peach Finance
Built to support any asset class, featuring over 200 configuration variables and designed around modern user experience principles, Peach’s adaptive lending platform enables lenders to adapt both at launch and at scale—so they can always be ahead of the curve.

Find out more: https://www.peachfinance.com/

PLATINUM WINNER - Monavate
Monavate is an expert payments solutions provider helping innovative, ambitious businesses navigate the complex network of relationships and technology choices needed to launch card programmes.

Find out more: https://www.monavate.com/

IBM Blockchain Platform description of copany and product text

Onfido is the new identity standard for the internet. Our AI-based technology assesses whether a user’s government-issued ID is genuine or fraudulent, and then compares it against their facial biometrics. That’s how we give companies like Revolut, Zipcar and Bitstamp the assurance they need to onboard customers remotely and securely.

Find out more: https://onfido.com

PLATINUM WINNER - Stratifyd
Stratifyd began as government-funded research on the ways AI could ingest, analyze, and visualize unstructured data. Our founders – Derek Wang, Li Yu, and Thomas Kraft – saw the potential of this work and launched the platform in 2015. Since launching, more than 20 Fortune 1500 companies have used our platform, we specialize in key verticals (Financial Services, Pharma, and CPG), and we’re the fastest-growing tech company in Charlotte.

Find out more: https://www.stratifyd.com

GOLD WINNER - Kount
Kount protects digital innovations for 6,500 global brands. In this video, CEO Brad Wiskirchen shares why thousands of companies rely on Kount to help them prevent digital fraud and achieve their business goals.

Find out more: https://www.kount.com

PLATINUM WINNER - Swipe2B
SwipeZoom is a provider of automated payments and logistics services to the b2c and b2b sectors. Whether it’s ecommerce enablement or corporate payments, SwipeZoom’s hosted solutions are used by world renowned brands to pay, get paid and streamline back-office processes that would otherwise be manual, time consuming and prone to errors.

Find out more: http://swipe2b.com/

GOLD WINNER - Banking Circle
Banking Circle is a global scale financial utility, underpinning the service propositions of a wide spectrum of financial institutions, allowing them to focus resources on the customer relationship.

Find out more: https://www.bankingcircle.com

PLATINUM WINNER - Billie
Billie offers Buy Now, Pay Later (BNPL) payment methods for business-to business (B2B) companies, providing solutions from liquidity to automation to digital payments for companies large and small - whether online stores or small and medium enterprises (SMEs).

Find out more: https://www.billie.io/en

GOLD WINNER - Weavr
Unlock business growth without worrying about complex regulations, shouldering the compliance burden or managing data security as we handle that for you. Our unique Financial Plug-ins mean you can go live in weeks, rather than months or years. Discover how Weavr plug-ins give digital businesses new financial superpowers.

Find out more: https://www.weavr.io/

PLATINUM WINNER - 2Checkout Avangate Monetization Platform

Whether you're tapping into international markets, looking to boost conversion rates, or running a subscription-based business, 2Checkout can help you tackle the complexities of digital commerce, globally. The Avangate Monetization Platform is comprehensive and flexible, so you can quickly pursue new market opportunities and deliver exceptional user experiences.

Find out more: https://www.2checkout.com/avangate-monetization-platform/

GOLD WINNER - Tribal Credit Tribal Credit
Introducing modern financial tools specially designed for startups. With easy access to corporate cards and advanced spend controls, you can focus on growing your business—no matter where you’re starting up or what stage you’re in. 

Find out more: https://www.tribal.credit/

PLATINUM WINNER - Paystand
Paystand is on a mission to create an open and equitable commercial finance system, starting with a zero-fee network for B2B payments.We pioneered a new blockchain-enabled payment network that allows companies to digitize receivables, automate processing, reduce time-to-cash, eliminate transaction fees and unlock new revenue.

Find out more: https://www.paystand.com/corporate-card

GOLD WINNER - Spendesk
Founded in 2016, Spendesk is the 7-in-1 spend management solution that is trusted by thousands of small and medium-sized businesses, from start-ups to established brands. Allowing finance teams to make smarter decisions, the digital solution incorporates company cards, expenses, invoices, accounting, approvals, budgets, and spending reports as one simplified stack.

Find out more: https://www.spendesk.com/en/

The Saxo Group is a leading investment banking and technology company looking back at over two decades of growth and success. As Saxo helped drive the revolutions that shifted the business time and again, it has always been energised by the same notion that moves us today. Saxo strives to facilitate multi-asset investment and trading by providing access to global financial markets, cutting-edge technologies, and industry-leading expertise.

Find out more: https://www.home.saxo

PLATINUM WINNER - Nium
Nium is a catalyst to quickly deploy new financial services for businesses of every size. Gain instant access to a global network of pay out, pay in and card-issuing capabilities.

Find out more: https://www.nium.com/

GOLD WINNER - Modulr
Business payments are clunky − costing you time, resources and customers. We provide an API payments infrastructure so you can efficiently automate and embed payments. Unlocking operational efficiency and revenue drivers.

Find out more: https://www.modulrfinance.com/

Fidor Bank is a digital bank founded in Germany in 2009 in an effort to re-establish lost confidence in banking with new and customer-focused services, enabling its customers to actively participate in the bank’s decision-making processes. Our current portfolio of products in Germany covers retail and business banking ranging from basic bank accounts and savings bonds,  to various lending offers. All accessible from the same bank account. In Germany, Fidor currently has more than 310,000 community members.

Find out more: https://www.fidorbank.uk

PLATINUM WINNER - Infosys Finacle Digital Banking Solution Suite
Infosys Finacle develops innovative software products and offers them on premise or as cloud-hosted business platforms. Our products help businesses develop deeper connections with stakeholders, power continuous innovation and accelerate growth in the digital world. We power our clients’ growth in rapidly evolving areas like banking, distributive trade, credit servicing, customer service and enterprise buying.

Find out more: https://www.edgeverve.com/finacle/

GOLD WINNER - NDGIT Open Banking Platform
ndgit GmbH stands for Next Digital Banking and we provide our clients with the first API platform for banking and insurance. Our clients are simultaneously our partners, since we connect banks, FinTechs and other digital companies with digital ecosystems through our platform technology and business models.

Find out more: https://nextdigitalbanking.com

PLATINUM WINNER - Thales
Businesses and governments rely on Thales to bring trust to the billions of digital interactions they have with people. Our identity management and data protection technologies help banks exchange funds; people cross borders, energy become smarter and much more. More than 30,000 organisations already rely on Thales solutions to verify the identities of people and things, grant access to digital services, analyse vast quantities of information and encrypt data.

Find out more: https://www.thalesgroup.com/en

GOLD WINNER - authID Inc
Award-winning, seamless and secure identity experiences help you know it’s your authorized user – not just a device. Fortify enterprise security with portable, biometric certainty that allows your users to authenticate and recover identity, wherever and whenever.

Find out more: https://authid.ai/

Finacle takes Best Blockchain Deployment in Banking & Payments Award
“This award is a testimony to our pursuit to automate inter-organization payments processes with blockchain. Finacle Payments Connect is a blockchain-based solution that enables real-time payments processing on a permissioned network. It helps banks automate payments business within their corresponding banking relationships to drive operations excellence and superior customer experience. For instance, in an award-winning pilot, two leading banks reduced their international remittance time to 36 seconds by putting their remittance transactions on the Finacle Payment Connect blockchain network. Recognition of our pioneering work towards re-imagining business with blockchain based solutions is deeply encouraging.” - Rajashekara V. Maiya, Vice President, Global Head of Business Consulting & Product Strategy, Infosys Finacle

Find out more: https://www.edgeverve.com/finacle/finacle-payments-connect/

Guardtime HSX bridges the gap between patients, providers, payers, regulators and pharma by seamlessly transporting data across multiple healthcare stakeholders, delivering secure use of a single, truthful version of health data.

Find out more: https://guardtime.com/health

ChromaWay wins Best Blockchain Deployment in Land Registry prize
"We are enormously excited to receive the Juniper Best Blockchain Deployment in Land Registry Award. ChromaWay has been working for many years in various projects in the field of Land Registry, and our belief is that blockchain technology can bring an effective impact on trust and security in land processes" - Henrik Hjelte, Co-Founder and CEO, ChromaWay

Find out more: https://chromaway.com

Everledger is an independent emerging technology enterprise focused on addressing real-world challenges through breakthrough solutions. Through this, we aim to deliver a positive social, economic and environmental impact.

Find out more: https://www.everledger.io/

PLATINUM WINNER - IBM, Blockchain World Wire
IBM Blockchain World Wire is a new financial rail that simultaneously clears and settles cross-border payments in near real-time. Integrating with your existing payment systems, you’ll replace costly opacity with affordable transparency – and that can bring greater financial opportunity to all.

Find out more: https://www.ibm.com/blockchain/solutions/world-wire

GOLD WINNER - Adjoint Treasury, Intercompany Loans
Adjoint Treasury represents the next generation of treasury software for enterprises seeking to unlock global liquidity. Our fully transparent, efficient, and secure treasury platforms place your funds where they're needed most. Eliminate manual process delays, while improving data security and collection to ultimately focus on delivering strategic value.

Find out more: https://www.adjoint.io/

IBM triumphs in Best Blockchain Platform category
“IBM has devoted significant expertise to the advancement of enterprise blockchain with the goal of spurring adoption and delivering proven results across the marketplace,” said Marie Wieck, GM, IBM Blockchain. “We're proving in areas as diverse as supply chain, trade finance, transportation, healthcare and government that blockchain can be used as the new operating system of trust as it transforms business processes. This is an important recognition of IBM's accomplishments in creating the first enterprise grade blockchain platform and our ongoing support for an open source, openly governed approach to blockchain through the Hyplerledger Project. As our client's networks continue to grow and scale, we look forward to driving even more advancements in areas such as governance models, flexible architecture and interoperability”

Find out more: https://www.ibm.com/blockchain

Dorsum claims Best Chatbots Platform category
“It’s an honor that our Botboarding product is recognized by Juniper Research as the Best Chatbot Platform in the field of FinTech,” said Róbert Kő, CEO of Dorsum. “This award confirms that we were right to realize the potential of chatbot usage in the field of financial services. By creating innovative products like Botboarding we can meet the requirements of the rapidly changing wealth management environment and the new type of investors.”

Find out more: https://www.dorsum.eu

PLATINUM WINNER - Shopify
Shop Pay boosts conversion 1.91x higher on mobile by prefilling customers’ information. Use Shop Pay for faster checkouts on your online store, in the Shop app, and now on Facebook, Instagram, and Google.

Find out more: https://www.shopify.com/uk/shop-pay

GOLD WINNER - Netcetera
As a globally active software company, we support our customers with future-oriented products and individual digital solutions. We cover the entire IT life cycle, from ideation and strategy to implementation and operation. The balanced combination of the latest technologies and proven standards ensures investment security, both for major projects and for innovative start-ups.

Find out more: https://www.netcetera.com/home.html

PLATINUM WINNER - Mastercard Biometric Checkout Program
Biometric verification is already used at some airports and offices, and biometric checkout would follow a similar process: Customers would enroll in-store or through an app, register their biometrics and link their payment credentials to them. Mastercard recently launched a Biometric Checkout program to guide the responsible development of this new technology. It expects to launch pilots in the Middle East and Asia-Pacific region in 2021.

Find out more: https://www.mastercard.com/news/perspectives/2021/your-next-in-store-checkout-may-be-no-checkout-at-all/

GOLD WINNER - ACI Omni-Commerce
ACI’s payment platform provide the flexibility to support in-store, online and mobile needs, and the scalability to power sales today and in the future.

Find out more: https://www.aciworldwide.com/solutions/aci-omni-commerce

PLATINUM WINNER - Chase Sapphire Reserve
Explore more of the world with Elite benefits and protections. Chase Sapphire Reserve card comes with Chase Ultimate Rewards, our premier rewards program that lets you redeem rewards for travel, experiences, gift cards, cash back and more.

Find out more: https://www.chase.com/card-benefits/sapphirereserve/rewards

GOLD WINNER - Apple Card
Apple Card completely rethinks everything about the credit card. It represents all the things Apple stands for. Like simplicity, transparency, and privacy. It builds on the incredible ease and security that millions of people love about Apple Pay. And it’s the first card that actually encourages you to pay less interest. Whether you buy things with Apple Pay or with the laser‑etched titanium card, Apple Card can do things no other credit card can do.

Find out more: https://www.apple.com/apple-card/

IBM Blockchain Platform description of copany and product text

IBM Blockchain Platform description of copany and product text

IBM Blockchain Platform description of copany and product text

IBM Blockchain Platform description of copany and product text

Bank of America Merrill Lynch collects Consumer Payment Innovation Award
“We are delighted to receive this industry recognition from Juniper Research for our B2C payments product, Digital Disbursements,” said Dean Henry, Head of Innovation, Global Transaction Services at Bank of America Merrill Lynch. “An increasing number of companies value the convenience and cost effectiveness of sending low value payments digitally. Domestic volumes of our product have increased 115% over the last 12 months and international payments are seeing similar growth trends.”

Find out more: https://www.bofaml.com/en-us/content/digital-disbursements.html

IBM Blockchain Platform description of copany and product text

IBM Blockchain Platform description of copany and product text

IBM Blockchain Platform description of copany and product text

PLATINUM WINNER - Goldman Sachs
We’re helping clients build a treasury of the future and powering software partners to enhance their offerings. Our mission is simple: provide a global transaction banking platform that is nimble, secure, and easy for clients to use and for partners to connect to.

Find out more: https://www.goldmansachs.com/index.html

GOLD WINNER - Monneo
Monneo are a virtual IBAN provider & merchant account provider, committed to working in partnership with EU and International banks to break down legacy barriers and connect eCommerce merchants with global, digital payment services.

Find out more: https://www.monneo.com/

PLATINUM WINNER - Terrapay
As the only fintech registered and regulated across 28 global markets, TerraPay is one of the leading global partners to banks, mobile wallets, money transfer operators, merchants, and financial institutions, creating a more expansive and inclusive international financial ecosystem. With access to an extensive network of 7.5Bn+ bank accounts, 2.1Bn+ mobile wallets, across 115 receive countries and 208 send countries, TerraPay enables its partners to become beacons of the promise of global financial inclusion.

Find out more: https://www.terrapay.com/

GOLD WINNER - Nium
Nium, the leader in real-time global payments, was founded on the mission to deliver the global payments infrastructure of tomorrow, today. It enables businesses to collect, convert, and disburse funds around the world instantly to accounts, cards, and wallets. It has issued over 75 million virtual and physical cards worldwide and currently supports real-time payouts to over 100 markets, with a particular focus on enabling corridors to and from emerging markets.

Find out more: https://www.nium.com/platform/pay-out

PLATINUM WINNER - Kount
Kount protects digital innovations for 6,500 global brands. In this video, CEO Brad Wiskirchen shares why thousands of companies rely on Kount to help them prevent digital fraud and achieve their business goals.

Find out more: https://www.kount.com

GOLD WINNER - Nethone Guard
Nethone is a data science company specialised in AI-driven business intelligence and fraud prevention. Nethone enables online merchants to sell more, earn more, and maximise every dollar they invest in risk management and customer acquisition.

Find out more: https://nethone.com/

Webroot wins Best Cybersecurity Platform Award
“Webroot is honoured to be among the winners of this year’s Juniper Research Future Digital Awards, particularly as this is the first year cybersecurity has been acknowledged.”, said Chad Bacher, SVP of Product Strategy and Technology Alliances, Webroot. “Being recognised as the best Cybersecurity Platform is a testament to the work we’ve been doing over the last 12 months, creating effective, nimble products that combat the constantly evolving threat landscape. Next-generation threat intelligence is crucial to keep businesses and consumers secure. We are proud to have won this award and to help our customers put their cybersecurity defences first.”

Find out more: https://www.webroot.com

PLATINUM WINNER - Ally Bank
We're changing the online banking landscape with innovative digital experiences. Our award-winning online bank (Ally Bank, Member FDIC and Equal Housing Lender) offers home loans, along with a full suite of banking products including savings, money-market, checking, certificates of deposit (CDs) and individual retirement accounts (IRAs). We also offer securities-brokerage and investment-advisory services through Ally Invest®, while our robust corporate finance business offers capital for equity sponsors and middle-market companies.

Find out more: https://www.ally.com

GOLD WINNER - N26
N26 was founded by Valentin Stalf and Maximilian Tayenthal with the goal of reimagining the retail banking experience for today’s mobile lifestyle.

Find out more: https://n26.com

digibank, powered by DBS, is an entire bank squeezed to fit into your smartphone. Our objective? Changing banking the way you know it. Not only does it let you deposit, withdraw and transfer money with lightning speed, it also lets you set goals and draw out a plan to achieve them. It’s a bank with your interest in mind.

Find out more: https://www.dbs.com/digibank/

PLATINUM WINNER - Marqeta
Marqeta powers today’s innovators to bring leading card programs to market. Marqeta’s modern card issuing platform is built from the ground up to provide booming startups and global enterprises with a modern solution they can trust. From Buy Now, Pay Later financing to crypto payment solutions, the Marqeta platform delivers the experience, scale, and reliability companies need to build disruptive solutions.

Find out more: https://www.marqeta.com/

GOLD WINNER - Thales
Businesses and governments rely on Thales to bring trust to the billions of digital interactions they have with people. Our identity management and data protection technologies help banks exchange funds; people cross borders, energy become smarter and much more. More than 30,000 organisations already rely on Thales solutions to verify the identities of people and things, grant access to digital services, analyse vast quantities of information and encrypt data.

Find out more: https://www.thalesgroup.com/en

PLATINUM WINNER - Izicap Izicap
Izicap is a game-changing SaaS solution that helps acquirers to compete and thrive in the increasingly competitive payments marketplace.Izicap opens a fresh revenue stream for you and builds more productive and longer-lasting relationships between you and your merchants. And Izicap does all of this using your existing payment card system.

Find out more: https://www.izicap.com/

GOLD WINNER - Mobilize Systems Mobilize
Mobilize is the brand behind some of the largest and most successful loyalty programmes in the UK. Engaging customers for more than 15 years.

Find out more: https://www.mobilize-systems.com/

PLATINUM WINNER - Netcetera
As a globally active software company, we support our customers with future-oriented products and individual digital solutions. We cover the entire IT life cycle, from ideation and strategy to implementation and operation. The balanced combination of the latest technologies and proven standards ensures investment security, both for major projects and for innovative start-ups.

Find out more: https://www.netcetera.com/home.html

GOLD WINNER - Gcash
Turn your mobile phone into a virtual wallet. Using the GCash app, you can pay for items and send money at the speed of a text message.

Find out more: https://www.gcash.com/

PLATINUM WINNER - G+D Convego Wallet 

CONVEGO® Wallet enables the dedicated mobile payment wallet of the issuer for digital payments with enriched customer experiences

Find out more: https://www.gi-de.com/en/de/mobile-security/solutions/platforms-and-software/trusted-mobile-hub/

GOLD WINNER - Skrill Skril

Skrill has been helping to make it, send it and spend it for millions of customers since 2001. So wherever you are and whatever you want to do with your money, just skrill it.

Find out more: https://www.skrill.com/en/

PLATINUM WINNER - Skrill
Skrill has been making digital payments simple, secure and quick since 2001. We’re an acknowledged world-leader in developing global payment solutions for people’s business and pleasure, whether they’re depositing funds on a gaming site, buying online or sending money to family and friends. We also meet the needs of businesses worldwide, helping them build a global customer base and drive growth.

Find out more: https://www.skrill.com/en/

GOLD WINNER - STICPAY
STICPAY is a global E-wallet service without the boundaries of locations. You can send/receive money via STICPAY account within one minute regardless of where the sender/receiver is.

Find out more: https://www.sticpay.com/

Nordea is the largest financial services group in the Nordic region and one of the biggest banks in Europe. We want to make a real difference - for our customers and for the communities in which we operate - by sharing our broad expertise based on 200 years in the banking business.

Find out more: https://www.nordea.com/en/

PLATINUM WINNERS - Paytm Wallet for Paytm Payments Bank Ltd
Go cashless and shop anywhere in India with Paytm Wallet. There is absolutely no hassle of entering an OTP or a PIN.  Complete superfast payments at a store, on an app or any website.

Find out more: https://www.paytmbank.com/business-banking/paytm-wallet

GOLD WINNERS - DBS PayLah!
DBS PayLah! is more than just Singapore’s favourite payments app. It’s your app for booking a ride, ordering lunch, scoring seats to a show and finding all your favourite DBS/POSB Cards rewards and deals. You can even track and redeem your DBS/POSB Cards points and enjoy personalised rewards, all on PayLah!

Find out more: https://www.dbs.com.sg/personal/deposits/pay-with-ease/dbs-paylah

PLATINUM WINNER - Ericsson Wallet Platform
Ericsson Wallet Platform is a fintech platform that enables telecom operators and financial service providers to offer fast, secure, personalized, and easy-to-use mobile financial services to their customers. The platform drives financial inclusion and wellbeing by enabling all consumers, banked or unbanked, to transfer, pay, save, grow, receive, and borrow money.

Find out more: https://www.ericsson.com/en/mobile-financial-services

GOLD WINNER - mobiquity Pay
Comviva’s mobiquity® Pay is a versatile digital payments solution, with over 60 deployments in 45 countries. It offers cutting-edge features for mobile money, digital wallets, and online payments, empowering secure transactions and enhancing user experiences to drive financial inclusion.

Find out more: https://www.comviva.com/products-solutions/fintech/digital-payments/digital-wallet-mobiquity-pay/

IBM Blockchain Platform description of copany and product text

IBM Blockchain Platform description of copany and product text

Amazon Go is a new kind of store with no checkout required. We created the world’s most advanced shopping technology so you never have to wait in line. With our Just Walk Out Shopping experience, simply use the Amazon Go app to enter the store, take the products you want, and go! No lines, no checkout. (No, seriously.)

Find out more: https://www.amazon.com/b?ie=UTF8&node=16008589011

PLATINUM WINNER - Mastercard Loyalty Connect
Mastercard Loyalty Connect is an easy way to increase customer loyalty and engagement with retailers’ loyalty programmes. Customers can link their loyalty programme to any payment card such as Mastercard, Visa, Amex, CUP, JCB. Once linked, this can be used by a customer to both pay and earn (and burn) their loyalty points or offers securely in real time.

Find out more: https://www.mastercard.co.uk/en-gb/merchants/grow-your-business/improve-efficiencies/loyalty-connect.html

GOLD WINNER - SIMulator
Sim Local have stores located in London Heathrow Airport, manage a range of automated retail machines and provide a shop in shop model across key UK and Irish airports. This technology allows for real time reporting along with quick and easy integration while encouraging an increase in sales, revenue and a superior customer experience.

Find out more: http://partner.simlocal.com/simulator

PLATINUM WINNER - Sleek Sleek
Waiting in Lines is Excruciating and Hasn’t Been Reinvented in Ages. We decided to fix it. Using AI and other deep but invisible tech we built tools that allow businesses turn this age old dreaded hassle in to a major source of revenue without sacrificing customer experience.

Find out more: https://sleektext.com/

GOLD WINNER - Sberbank Take&Go
Sberbank is the largest bank in Russia, Central and Eastern Europe, and one of the leading financial institutions worldwide. We instill confidence, provide reliability and make people’s lives better by helping them fulfill their aspirations and dreams.

Find out more: https://www.sberbank.ru

Guidewire exists to deliver the industry platform that P&C insurers rely upon to adapt and succeed in a time of accelerating change—and to ensure that every customer succeeds in the journey.

Find out more: https://www.guidewire.com

PLATINUM WINNER - Trov
Trōv powers digital insurance solutions for innovative businesses in the finance, insurance, mobility, and retail sectors, enabling the new ways people live, work and move.

Find out more: https://www.trov.com/

GOLD WINNER - Wefox
Trōv powers digital insurance solutions for innovative businesses in the finance, insurance, mobility, and retail sectors, enabling the new ways people live, work and move.

Find out more: https://www.trov.com/

Kabbage wins Best Lending Platform category
“We’re honoured to be recognized as the Best Lending Platform by Juniper Research,” said Kabbage CEO, Rob Frohwein. “With more than 150,000 customers accessing over $5 billion, we’re proud to help fuel economic growth both at home and abroad as we help global banks provide deserving small businesses financial opportunity through the Kabbage Platform.”

Find out more: https://www.kabbage.com/

PLATINUM WINNER - Huawei FinTech Platform
The Huawei FinTech Solution offers equal, effective, comprehensive, and convenient digital financial products and services to all people, especially those surviving on low-incomes in urban, rural, and remote areas not covered by existing, legacy financial systems. The solution is also geared toward empowering Micro-, Small-, and Medium-sized Enterprises (MSMEs) with digital technologies.

Find out more: https://e.huawei.com/uk/solutions/industries/smart-finance/inclusion-finance

GOLD WINNER - TPAY Mobile
TPAY MOBILE is a full-service mobile payments platform that gives local and global digital service providers access to consumers across the Middle East, Africa, and Turkey. The benefits TPAY MOBILE offers its merchants are simple but transformative, enabling rapid business growth in MEA and Turkey through a single API.

Find out more: https://tpaymobile.com/

Mahindra Comviva and Cassava Smartech triumph in Best Mobile Money category
“Mahindra Comviva is delighted to be recognized by Juniper Research for our world leading mobile money platform mobiquity Money”, said Srinivas Nidugondi, SVP and Head, Mobile Financial Solutions, Mahindra Comviva. “We believe mobile money solutions that cater to the necessities of the people on the ground have the power to bring financial revolution in emerging markets. EcoCash in Zimbabwe is one such service, which has replaced cash and is helping in alleviating the cash problem and accelerate financial inclusion in the country. The award is powerful endorsement of our efforts in bringing innovative fintech services to the forefront”

“At Cassava Smartech our ambition is to empower lives by offering equitable access to financial services to all the people of Africa," said Eddie Chibi, CEO Cassava Smartech. "We focus on serving where the need is greatest and this stems from our deeply held aspiration of doing well by doing good. Through EcoCash we are leveraging mobile technology to extend financial inclusion in Zimbabwe and create a cash-light economy”

Find out more: https://www.ecocash.co.zw/

PLATINUM WINNER - Telepin
Telepin Software is a global leader in mobile transaction solutions, serving as a catalyst for economic growth in a digitally inclusive world. Our robust mobile money platform empowers mobile network operators and financial service providers, enabling them to offer comprehensive mobile financial services to their customers.

Find out more: https://www.telepin.com/

GOLD WINNER - Huawei & Ethio Telecom telebirr
telebirr is an innovative mobile money service that was first launched by Ethio Telecom in May 2021 with the help of Huawei. Ethio Telecom aims to improve Ethiopia's financial environment through the power of digital finance, provide impetus for economic development, and help the government achieve its strategic goals of inclusive finance and digital Ethiopia.

Find out more: https://www.ethiotelecom.et/telebirr/

PLATINUM WINNER - AsiaHawala powered by mobiquity Money
AsiaHawala Mobile Money is a fast, simple, convenient, secure and affordable way of transferring money, making payments and doing other transactions using a mobile phone. You can use AsiaHawala Mobile Money to send and receive money, Asiacell top-up, bill payment (Fastlink and Earthlink), buy vouchers, pay employee salaries, pay for airline tickets and other goods and services.

Find out more: http://asiahawala.iq/English/index.html

GOLD WINNER - Smart Padala by PayMaya
Smart Padala is the largest domestic remittance brand in the Philippines with over 27,000 Smart Padala Outlets across the country. Smart Padala also offers international remittance, bills payment, airtime load selling, and reloading of mobile wallet accounts including Smart Money and PayMaya to address the transactional needs of both the banked and the unbanked in emerging markets.

Find out more: https://smartpadala.ph/

PLATINUM WINNER - Comviva & Airtel
This is a new service that enables Airtel Money subscribers to pay for goods and service using Airtel Money instead of exchanging cash for such purchases. The service enables both parties immediately confirm these proximity payments via text message (e-receipt) that is sent to both subscriber and seller of the goods/service.

Find out more: https://www.airtel.co.ug/airtel_money/airtelmoneypay

GOLD WINNER - Maya Bank
Maya Bank powers the digital banking experience of consumers and enterprises across the Maya family of products, including Maya all-in-one app, Maya Business, and Maya Center. As a pioneering neo bank, it is transforming how money works for Filipino consumers and MSMEs, through innovative and relevant financial services, including savings, deposits, and credit via Maya.

Find out more: https://www.mayabank.ph/

PLATINUM WINNER - Boku Boku 
Merchants and carriers all over the world trust us to deliver innovative and effective solutions that support their complex business needs. With our global scale, Boku delivers the widest breadth of service at the lowest unit cost.

Find out more: https://www.boku.com/

GOLD WINNER - Daviplata Daviplata
The easy, fast and safe way to transfer silver from cell phone from anywhere in Colombia.

Find out more: https://daviplata.com/

PLATINUM WINNER - Paymentology
Paymentology is the leading next-gen global issuer-processor. It gives banks, fintechs and telcos the technology, team, and experience to easily issue and process any type of physical or virtual card; prepaid, debit, credit, multi-currency, BNPL, revolving and more. Anywhere in the world, rapidly and at scale. 

Find out more: https://www.paymentology.com/

GOLD WINNER - Thales
Businesses and governments rely on Thales to bring trust to the billions of digital interactions they have with people. Our identity management and data protection technologies help banks exchange funds; people cross borders, energy become smarter and much more. More than 30,000 organisations already rely on Thales solutions to verify the identities of people and things, grant access to digital services, analyse vast quantities of information and encrypt data.

Find out more: https://www.thalesgroup.com/en

PLATINUM WINNER - Gemalto, Digital Payment Authentication
Gemalto offers Retailers Strong Authentication and card Tokenization services to help them meet these objectives whilst building an agile and resilient payment infrastructure. Gemalto also support Digital Wallets and Payment Service Providers in the deployment of a full Payment Authentication suite.

Find out more: https://www.gemalto.com/financial/digital-payment

GOLD WINNER - NuDetect from NuData Security, a Mastercard company
Combine the power of our four integrated layers of security to verify users based on their inherent behavior. Used by major global brands, NuDetect prevents future fraud and protects online environments in real time.

Find out more: https://nudatasecurity.com/solutions/nudetect/

IDEMIA takes Best Payment Authentication Platform prize
Nathalie Oestmann, SVP Strategic Marketing and Innovation of IDEMIA Financial Institutions BU, stated: “IDEMIA is thrilled and honored to receive this JUNIPER Research Best Payment Authentication Solution Award for its biometrics and mobile-based Strong Customer Authentication solution, Cloudcard+. Our ambition is to enable financial institutions to strike the perfect balance between digital security for banking and an optimal payment services user experience through the mobile channel. Used by millions of end-users, Cloudcard+ has been adopted by major banking groups to comply with PSD2 requirements for Strong Customer Authentication.”

Find out more: https://www.idemia.com/

IBM Blockchain Platform description of copany and product text

PLATINUM WINNER - G+D Convego Pearl for Mobile
Convego® Pearl loyalty solution can enable retailers to meet these challenges and deliver a full-featured, multi-channel in-store payment system at scale. It puts your brand in front of the customer and creates stickiness, and the same time allowing you to evolve new revenue streams!

Find out more: https://www.gi-de.com/en/payment/digital/loyalty-pre-paid

GOLD WINNER - PayMaya QR
Discover the potential of cashless transactions every time you accept PayMaya QR Ph payments. All you need is a QR code and a mobile phone.

Find out more: https://enterprise.paymaya.com/solutions/qr

PLATINUM WINNER - PayPal 

PayPal allows any business or individual with an email address to securely, conveniently and cost-effectively send and receive payments online. Our network builds on the existing financial infrastructure of bank accounts and credit cards to create a global, real-time payment solution. We deliver a product ideally suited for small businesses, online merchants, individuals and others currently underserved by traditional payment mechanisms.

Find out more: https://www.paypal.com

GOLD WINNER - Sberbank QR Pay
Sberbank is the largest bank in Russia, Central and Eastern Europe, and one of the leading financial institutions worldwide. We instill confidence, provide reliability and make people’s lives better by helping them fulfill their aspirations and dreams.

Find out more: https://www.sberbank.ru/

PLATINUM WINNER - PayNearMe
Making payments should be quick, reliable, easy to do, and easy to implement. That’s why our team of technologists, builders and innovators came together—to make the payment process better. Every time. Originally launched ten years ago to process cash payments through retail stores such as 7-Eleven, PayNearMe now processes billions of dollars annually via all payment types—cards, ACH, cash and mobile-first payment methods including Google Pay and Apple Pay.

Find out more: https://home.paynearme.com/

GOLD WINNER - Pebl
Pebl is an Australian owned & operated merchant payments app, allowing Australian businesses to take payments from their Apple or Android smartphone. With Pebl, businesses can download, sign-up & accept their first payment within 5 minutes without the need to buy, carry or store extra devices, dongles or card readers. As long as your mobile has an internet connection (mobile or WiFi), Pebl gives businesses the freedom of taking payments wherever, whenever.

Find out more: https://pebl.me/

PLATINUM WINNER - Shield
Shield is a cross-regulation compliance platform that provides a complete view on eComms, trade and market data utilizing AI, Natural Language Processing and Visualization capabilities to make compliance more efficient and ROI driven.

Find out more: https://www.shieldfc.com/

GOLD WINNER - PerformLine
PerformLine empowers compliance leaders with the technology and knowledge to ensure their organization and partners provide transparent and accurate information to consumers across any channel.

Find out more: https://performline.com

MetricStream is simplifying Governance, Risk, and Compliance (GRC) for modern and digital enterprises. Our market-leading enterprise and cloud Apps for GRC enable organizations to strengthen risk management, regulatory compliance, vendor governance, and quality management while driving business performance.

Find out more: https://www.metricstream.com

PLATINUM WINNER - Syte
Syte helps retailers connect shoppers to the products that inspire them. We are building a powerful platform that redefines the way retailers engage customers and shoppers find the products they want.

Find out more: https://www.syte.ai

GOLD WINNER - Vue.ai
Using Image Recognition and Data Science - we extract catalog data, analyze it with user behavior and help your marketing, product and cataloging teams get actionable insights that improve customer experiences, drive conversions and reduce costs.

Find out more: https://vue.ai/

Amazon Go is a new kind of store with no checkout required. We created the world’s most advanced shopping technology so you never have to wait in line. With our Just Walk Out Shopping experience, simply use the Amazon Go app to enter the store, take the products you want, and go! No lines, no checkout. (No, seriously.)

Find out more: https://www.amazon.com/b?ie=UTF8&node=16008589011

IBM Blockchain Platform description of copany and product text

IBM Blockchain Platform description of copany and product text

IBM Blockchain Platform description of copany and product text

IBM Blockchain Platform description of copany and product text

IBM Blockchain Platform description of copany and product text

PLATINUM WINNER - Virtual Debit Cards by Paytm Payments Bank Ltd
Paytm Payments Bank account comes with a free Digital Debit Card to make online payments

Find out more: https://www.paytmbank.com/platinum-rupay-card

GOLD WINNER - Vivid Money
Grow your money easily with commission-free and instant investing. Turn your everyday spendings into stock rewards. Get cashback and save more money on fees. Open a free account in minutes and see your savings grow.

Find out more: https://vivid.money/en-eu/

PLATINUM WINNER - PayMaya
PayMaya is the pioneer in mobile money and payments, having established brands such as PayMaya, the first prepaid online payment app that enables the financially underserved to pay online without a credit card; PayMaya Business, the company’s system solutions provider that allows businesses to receive online and card payments anytime, anywhere; Smart Money, the world’s first e-wallet linked to a mobile phone; and Smart Padala, the leading remittance network in the Philippines.

Find out more: https://www.paymaya.com

GOLD WINNER - American Express Go
Express Go is a faster, more flexible way for your contractors, freelancers, recruits and infrequent travelers to make payments on-the-go.

Find out more: https://www.americanexpress.com/us/payment-solutions/amex-go-virtual-cards/index.html

PLATINUM WINNER - Marqeta
From global enterprises to booming startups, innovators count on Marqeta. Our platform connects innovators like you with Visa and Mastercard, providing you with the freedom to create and control your own, bespoke card programme.

Find out more: https://www.marqeta.com/uk

GOLD WINNER - Vivid Money Vivid Money
Vivid offers you a unique mobile banking app at your fingertips. Whether it’s payments, transfers, high-interest saving accounts, multi-currency accounts for your travels, spendings reports, split bills — with Vivid, managing all your finances and investing your money is easy, flexible and 100% transparent.

Find out more: https://vivid.money/en-eu/

PLATINUM WINNER - Infosys Finacle Trade Connect
Finacle Trade Connect is a blockchain-based solution developed to digitize and automate inter-organization trade finance process on a unified distributed, trusted and shared network. The solution helps banks curate trade networks with their corporate customers, frequent trade partners and other stakeholders driving drastic reduction in cycle time, unprecedented efficiencies and customer value.

Find out more: https://www.edgeverve.com/finacle/finacle-trade-connect/

GOLD WINNER - Verady Ledgible
Our comprehensive cryptocurrency accounting suite is built based on the expertise and feedback of industry leaders. We are constantly adding features to improve our user experience and help our customers along their accounting journey in the cryptocurrency world.

Find out more: https://verady.com/ledgible-accounting/

Operating globally, BTL is the creator of Interbit, a next generation blockchain platform. Its unique chain joining capability between thousands of Interbit blockchains enables scalable security, data integrity and privacy.

Find out more: http://btl.co/

PLATINUM WINNER - Ripple
Ripple is the leader in enterprise blockchain and crypto solutions, transforming how the world moves, manages and tokenizes value. Ripple’s business solutions are faster, more transparent, and more cost effective - solving inefficiencies that have long defined the status quo. And together with partners and the larger developer community, we identify use cases where crypto technology will inspire new business models and create opportunity for more people.

Find out more: https://ripple.com/

GOLD WINNER - G+D Filia CBDC Solution
G+D Filia is a production-ready CBDC technology that can unleash numerous benefits for all players in the financial ecosystem. Firstly, it can extend the reach of public currency into the digital space to support crucial topics such as financial inclusion, by enabling all segments of the population to participate in the digital economy. It would be a safe, secure, and accessible new means of payment to the unbanked and the underbanked regardless of network connectivity, access to a smart phone, or bank account. Filia’s dual consecutive offline capabilities would also support a more resilient payment system for the entire ecosystem.

Find out more: https://www.gi-de.com/en/

WINNER - LINE BK
KASIKORN LINE Co., Ltd. is a joint venture company with the business goal to provide digital lending business with sufficient data to optimize customer credit and personal finances along with seamless user experience, and aspire to be one of the most innovative lending providers in Thailand.

Find out more: https://www.linebk.com/en/

PLATINUM WINNER - Emirates NBD Liv
In a nutshell, its banking reimagined. Liv. is one of the first modern money apps of its kind that works around what you like and how you spend your time. That means we take holistic view of things, because we're all about supporting your lifestyle choices. Bit of a foodie? Find the best restaurants nearby. Got a travel bug? Make it to more destinations and new experiences. Whatever you choose to do with your money, we're here to help make the journey as smooth (and fun) as possible.

Find out more: https://www.liv.me/

PLATINUM WINNER - Starling Bank
Anne Boden founded Starling with a clear goal: to build a bank that would help you manage your money, all from one app. Thirty years ago, Anne pioneered the UK’s first same-day payment service that transformed electronic money. Today, that same ambition to use technology to transform banking inspires our work at Starling. Anne’s ambition has brought together a team building the best current accounts - intuitive, secure and 100% digital.

Find out more: https://www.starlingbank.com

GOLD WINNER - Revolut
Revolut launched in July 2015, offering global spending and transfers without ridiculous exchange rates. Whether you’re running a business or running out for bread, Revolut is building a global bank to suit your lifestyle.

Find out more: https://www.revolut.com

PLATINUM WINNER - Mambu
Mambu exists to empower our customers to deliver great modern financial experiences easily to everyone around the world. Who are these people that we want to empower? They are the developers, the architects, the business analysts, the innovators of our customers. They work with our platform, our teams, and our services to create great outcomes for their millions of customers - be they entrepreneurs in NYC, farmers in Kenya or SMEs in Brazil.

Find out more: https://mambu.com/

GOLD WINNER - Temenos
Our mission at Temenos is to power a world of banking that creates opportunities for everyone. Our passion for making banking better drives us to be the banking platform for all kinds of players in the industry – for large and small banks, for non-banks and fintechs, for partners and developers, for everyone. Our ambition is to be Everyone’s Banking Platform.

Find out more: https://www.temenos.com

PLATINUM WINNER - WeLab Bank

WeLab’s story, fittingly, started at a bank. In 2013, a team of visionary bankers saw the inefficiencies of traditional banks and their inability to make credit accessible and simple for all consumers. So, they left their banking jobs and started WeLab. We aim to offer a broader spectrum of financial products and services that our customers love by continuously leveraging our technology and expertise in creating customer-centric experiences.

Find out more: https://www.welab.co

 

PLATINUM WINNER - Maya Bank
Maya Bank powers the digital banking experience of consumers and enterprises across the Maya family of products, including Maya all-in-one app, Maya Business, and Maya Center. As a pioneering neo bank, it is transforming how money works for Filipino consumers and MSMEs, through innovative and relevant financial services, including savings, deposits, and credit via Maya.

Find out more: https://www.mayabank.ph/

WINNER - Digital Payments & Banking by Paytm Payments Bank Limited
Be it a zero balance savings account, spend analytics, digital passbook or a virtual debit card, fixed deposit, money transfer, every feature has been thoughtfully created by Paytm Payments Bank to empower unbanked and underbanked Indians. We have over 100 Million KYC customers, with 0.4 Million users added every passing month. We are also the largest issuer of FASTag with over 8 Million FASTag units issued.

Find out more: https://www.paytmbank.com/

PLATINUM WINNER - Mastercard Identity
Mastercard Identity offers trust in every digital interaction to enable the global digital economy to feel like a local marketplace - safe, secure, and simple - no matter how or where people transact. We enable businesses (merchants, financial institutions and tech, digital marketplaces, and risk decisioning providers) to collaborate and exchange rich identity data that validates, verifies, and authenticates genuine consumers globally and at scale.

Find out more:  https://b2b.mastercard.com/account-identity-services/

GOLD WINNER - Digital Gateways
The only platform for comprehensive onboarding from A to Z Solutions based on artificial intelligence - automatic, here and now. Digital Gateways provides the entire onboarding process in one place: verification of the identity of an individual customer verification of the company and company representatives verification of financial credibility and income verification in external databases (AML, credibility data) checking the credibility of browser and device data (KYU) electronic signature (with EIDAS).

Find out more:  https://digitalgateways.tech/

PLATINUM WINNER - Marqeta
Marqeta is the world’s first open API modern card issuing platform which enables developers to launch innovative, global and trusted payment solutions at unprecedented speed, flexibility & scale. Built from the ground up, its card issuing and processing abilities provide unprecedented flexibility and control to enable any business to start issuing physical, virtual, or tokenized cards.

Find out more: https://www.marqeta.com

GOLD WINNER - Apiture
Apiture delivers award-winning digital banking solutions to community and regional banks and credit unions throughout the United States. With a commitment to providing flexible and highly configurable solutions, Apiture helps its clients level the playing field with larger institutions while supporting growth through a range of innovative solutions.

Find out more: https://www.apiture.com/digital-banking-platform/embedded-banking/

PLATINUM WINNER - Trade Information Network
An innovative Network open for corporates and financiers which enables financing deeper into global supply chains and offers an easy way to join. The Network aims to address the unmet demand for financing earlier in the supply chain by enabling corporates to easily and securely communicate trade information directly with banks of their choice.

Find out more: https://tradeinformationnetwork.io/

GOLD WINNER - Huawei Overdraft Solution
Today, Huawei FinTech provides inclusive digital financial services to 300 million unbanked people worldwide. Huawei FinTech is also the foundation for the development of a range of partnerships with Non-Government Organizations (NGOs) and financial institutions, with the aim of alleviating — then eliminating — poverty.

Find out more: https://e.huawei.com/en/solutions/industries/smart-finance/inclusion-finance

PLATINUM WINNER - Credit Sesame
Credit Sesame is a financial wellness platform, leveraging the latest technology, AI and analytics to help consumers achieve better financial health and stability and create better opportunities for themselves and their families. Credit Sesame has helped millions of consumers improve their credit scores, increase their approval odds, lower their cost of credit and save money.

Find out more: https://www.creditsesame.com/sesame-cash/credit-builder/

GOLD WINNER - TurnKey Lender
TurnKey Lender gives B2C and B2B lenders a competitive edge by automating over 90% of all lending processes with its powerful Al-driven SaaS technology. The company's platform allows creditors in 50+ countries to profitably grow their businesses while reducing operational costs and credit risks.

Find out more:  https://www.turnkey-lender.com/commercial-lending-software/

PLATINUM WINNER - Weavr
Unlock business growth without worrying about complex regulations, shouldering the compliance burden or managing data security as we handle that for you. Our unique Financial Plug-ins mean you can go live in weeks, rather than months or years. Discover how Weavr plug-ins give digital businesses new financial superpowers.

Find out more: https://www.weavr.io/

GOLD WINNER - Now
Now takes on the risk of non-payment by verifying the invoice and the creditworthiness of your customers throughout the onboarding process. Now offers non-recourse funding, which protects you against loss if your customer fails to pay.  No personal guarantee required. We’ve designed NowAccount to fit seamlessly with your existing accounting processes and systems.

Find out more: https://nowcorp.com/

Octo’s IoT Platform blends the benefits of a horizontal IOT platform with dedicated vertical use cases built for the complete insurance industry value chain. This is how we deliver the analytics solutions that are transforming the insurance industry.

Find out more: https://www.octotelematics.com/

WINNER: Anne Boden, CEO & Founder, Starling Bank

Starling Bank is an award-winning and fully-licensed bank built to give people a fairer, smarter and more human alternative to the banks of the past. With four different account types – personal, business, joint and euro – and a pioneering payment services proposition for businesses, Starling’s world-class tech reimagines banking for life today, putting the tools people need to feel good about money in the palm of their hand.

Find out more: https://www.starlingbank.com/

WINNER: Husayn Kassai, CEO & Co-Founder, Onfido

Founded in 2012 by Husayn Kassai, Eamon Jubbawy and Ruhul Amin, Onfido now helps over 1,500 companies verify their users. We’re a force of over 250 across the world, with offices in London, San Francisco, New York, Lisbon, Paris, New Delhi and Singapore.

PLATINUM WINNER - IDEMIA Web Capture® SDK with Active/Passive Liveness Detection

We are the leader in Augmented Identities in an increasingly digital world. An improved, adaptable, strengthened and sovereign identity ensures a safer world for everyone.

Find out more: https://www.idemia.com/

WINNER - Experian Sure Profile
Experian’s Sure Profile™ provides a composite history of a consumer’s identification, public record, and credit information and determines the risk of synthetic fraud associated with consumers. Experience the future of underwriting with greater confidence in your application approvals and minimized portfolio risk.

Find out more: https://www.experian.com/business-services/sure-credit-profile

PLATINUM WINNER - LexisNexis® BehavioSec®
LexisNexis® Risk Solutions harnesses the power of data and advanced analytics to provide insights that help businesses and governmental entities reduce risk and improve decisions to benefit people around the globe. The organization provides data and technology solutions for a wide range of industries including insurance, financial services, healthcare and government.

Find out more: https://risk.lexisnexis.com/products/behaviosec

As industry leader of fraud protection companies we detect fraud and reimburse merchants for fraud chargebacks on approved orders.

PLATINUM WINNER - Riskified
Built for accuracy at scale, our platform identifies the individual behind online interactions, resulting in frictionless experiences for your customers. Data from our global merchant network fuels proprietary machine learning models that drive a sophisticated decisioning engine. The platform supports all our products, delivering fast decisions that allow you to generate additional eCommerce sales and reduce overhead costs.

Find out more: https://www.riskified.com/

As a truly global fraud prevention company, we help businesses around the world that want to take a proactive approach to managing risk and driving down online fraud.

Find out more: https://www.accertify.com

PLATINUM WINNER - NuData Security, a Mastercard company NuDetect   

Award-winning technology that recognizes your users, weeds out account takeover, and protects from other major threats.

Find out more: https://nudatasecurity.com/

GOLD WINNER - Boku Boku Authenticate

Merchants and carriers all over the world trust us to deliver innovative and effective solutions that support their complex business needs. With our global scale, Boku delivers the widest breadth of service at the lowest unit cost.

Find out more: https://www.boku.com/
 

PLATINUM WINNER - Vesta Fraud Solutions
Vesta provides an automated, accurate risk assessment in a split second to maximize digital transaction approvals while eliminating fraud. Our sophisticated machine learning models draw from 25 years of global data, plus millions of new transactions every minute, to stay ahead of evolving threats.

Find out more: https://www.vesta.io/

GOLD WINNER - Nethone Mobile
From the beginning, our mission was to make the online space a safer, and more transparent place for all users, hence the name Nethone - the noun “net” and the verb “to hone” which means to make something perfect or completely suitable for its purpose. That is why we decided to create a system which guarantees exclusive transparent engagement but still preserves individual privacy. Honing the network is also about making the interactions frictionless. It’s our mission to provide the best performance with no friction.

Find out more: https://nethone.com/

PLATINUM WINNER - Experian CrossCore™
CrossCore is the first identity and fraud platform that enables you to connect, access, and orchestrate decisions across multiple solutions. Now you can consolidate numerous fraud risk signals into a single, holistic assessment to improve operational processes, stay ahead of fraudsters, and protect your true customers.

Find out more: https://www.experian.com/decision-analytics/crosscore-fraud-prevention-platform

GOLD WINNER - Kount Identity Trust Platform
Kount’s Identity Trust Platform prevents digital fraud and protects the entire customer journey. Identity trust is the level of trust or risk behind account creation, login, and payment events. Low-trust events may indicate fraud, while high-trust events indicate good customers.

Find out more: https://kount.com/

PLATINUM WINNER - Vesta Fraud Solutions
Vesta is a global transaction guarantee company for online purchases, delivering unparalleled approval rates and a frictionless customer experience while eliminating chargebacks and other forms of digital fraud. Differentiated by its sophisticated data science and 25+ years of experience, Vesta brings a deep understanding of some of the world's most serious threats and challenging markets.

Find out more: https://www.vesta.io/

GOLD WINNER - Fraud.net
Fraud.net operates a unified risk management and revenue enhancement ecosystem for financial services and digital commerce enterprises worldwide. The cloud-born platform helps organizations prevent fraud, money laundering, and other financial crimes and automates customer onboarding and compliance workflows.

Find out more: https://fraud.net/

Platinum Winner - ACI Instant Pay
ACI Worldwide is a global leader in mission-critical, real-time payments software. Our proven, secure and scalable software solutions enable leading corporations, fintechs and financial disruptors to process and manage digital payments, power omni-commerce payments, present and process bill payments, and manage fraud and risk. We combine our global footprint with a local presence to drive the real-time digital transformation of payments and commerce.

Find out more: https://www.aciworldwide.com/solutions/instant-pay

Gold Winner - ConnexPay
ConnexPay was founded on a simple idea: B2B payments doesn’t have to be fragmented, and the entire payments ecosystem would benefit from bringing acquiring, issuing and fraud protection together. Currently, no other company in the world offers an all-in-one B2B payments platform, and because of their unique solution, ConnexPay has been able to secure an impressive customer base in five continents.

Find out more: https://connexpay.com/

PLATINUM WINNER - Collective Benefits

There are now 6 million self-employed workers in the UK and we believe they deserve the same benefits and protections as employees. Despite this shift in the way we work, those in the gig economy are left under-served and under protected. Today’s insurance products are hopelessly outdated, and fail to provide the type of cover the modern freelancer both wants and needs.

We’re on a mission to fix this.

Find out more: https://collectivebenefits.com/

GOLD WINNER - Tractable

AI for accident & disaster recovery

Our AI assesses damage and estimates repair costs in real time. So claims can be settled faster, and livelihoods restored.

Find out more: https://tractable.ai/
 

PLATINUM WINNER - Parkopedia
Parkopedia was founded in 2007 with the mission of being able to answer any parking question, anywhere in the world. Today, Parkopedia has become the world's leading parking service provider used by millions of drivers and organizations such as Apple, Audi, BMW, Coyote, Ford, Garmin, GM, HERE, Honda, Jaguar, Land Rover, Mazda, Mercedes-Benz, Peugeot, Porsche, Skoda, Sygic, TomTom, Toyota, Volkswagen, Volvo and others.

Find out more: https://www.parkopedia.com

GOLD WINNER - ACI Omni-Commerce Commercial Fueling via Mobile App
Whether your customers want to “pay and go” at the pump or make further purchases in your convenience store, our solutions support a fast and easy payments experience, wherever and however your customers want to pay.

Find out more: https://aciworldwide.com/fuel

PLATINUM WINNER - G+D Convego Cloudpay eSE

Convego® CloudPay is a proven, scalable digital payments platform with millions of users. It provides an end-to-end solution for lifecycle management of tokenized payment cards and secure provisioning of full credentials within seconds. With Convego® CloudPay already integrated to global and regional token service providers (TSP), issuers enjoy fast time-to-market with minimum effort.

Find out more: https://www.gi-de.com/en/mobile-security/industries/financial-institutions/digital-payment

GOLD WINNER - Garmin Garmin Pay
Garmin Pay™ works with many credit and debit cards from major banks. By adding your supported cards into your Garmin Pay wallet you'll be able to enjoy all the rewards and benefits of your physical cards, right on your wrist.

Find out more: https://www.garmin.com/en-GB/garminpay/banks/

PLATINUM WINNER - Banking Circle
Banking Circle is a new bank, that is fully licenced yet free from the legacy systems that can make traditional banking slow and expensive. Working with Banking Circle and utilising our technology, Payments businesses and Banks of any size are able to seize opportunities in the new economy.

Find out more: https://www.bankingcircle.com

GOLD WINNER - AREX
Founded in 2014 AREX is an ambitious data-driven Fintech company aiming to bridge capital market liquidity and SME cash flow needs.

Find out more: https://arex.io/

Platinum Winner - Lightspeed Payments
Powering the world’s best businesses, Lightspeed is the unified POS and payments platform for ambitious entrepreneurs to accelerate growth, provide the best customer experiences and become a go-to destination in their space. Lightspeed is a one-stop commerce platform that helps merchants innovate to simplify, scale and provide exceptional customer experiences.

Find out more: https://www.lightspeedhq.com/pos/retail/payments/

PLATINUM WINNER - Token
Token is an open banking payments platform with the broadest out-of-the-box coverage for open banking payments and data in Europe. Token powers the open banking tech behind some of the world’s most successful global brands. Plug and play, white-label, or use our technology to build your own open banking payment proposition.

Find out more: https://token.io/

GOLD WINNER - Worldline Credit Insight
Worldline helps businesses of all shapes and sizes to accelerate their growth journey – quickly, simply, and securely. With advanced payments technology, local expertise and solutions customised for hundreds of markets and industries, Worldline powers the growth of over one million businesses around the world. Worldline generated a 4.4 billion euros revenue in 2022.

Find out more: https://worldline.com/en/home/main-navigation/solutions/financial-institutions/open-banking-solutions/credit-insight.html

PLATINUM WINNER - Token
Token is an open banking payments platform with the broadest out-of-the-box coverage for open banking payments and data in Europe. Token powers the open banking tech behind some of the world’s most successful global brands. Plug and play, white-label, or use our technology to build your own open banking payment proposition.

Find out more: https://token.io/

GOLD WINNER - Vyne
Getting paid online can be expensive, slow, and a point of friction. Vyne’s full-stack account-to-account payment solution helps merchants reach more customers, save time, money, and hassle, and build a seamless payment lifecycle.
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Find out more: https://www.payvyne.com/

WINNER - Finicity Open Banking Platform
Finicity’s open banking platform and data aggregation solutions are being used by some of the largest and most innovative organizations in the world to empower their customers with better financial experiences.

Find out more: https://www.finicity.com/

PLATINUM WINNER - ACI Secure eCommerce for Merchants by ACI Worldwide
Accept payments. Prevent fraud. Two imperatives that go hand in hand – and a fast, flexible payments gateway that delivers on them both.

Find out more: https://www.aciworldwide.com/solutions/aci-secure-ecommerce

PLATINUM WINNER - ACI Payments Orchestration Platform
ACI Worldwide is a global leader in mission-critical, real-time payments software. Our proven, secure, and scalable software solutions enable leading corporations, fintechs, and financial disruptors to process and manage digital payments, power omnicommerce payments, present and process bill payments, and manage fraud and risk. We combine our global footprint with a local presence to drive the real-time digital transformation of payments and commerce.

Find out more: https://www.aciworldwide.com/solutions/payments-orchestration-platform

PLATINUM WINNER - PayQuicker
The PayQuicker global payout platform enables companies to grow faster by providing their participants with instant payment and purchasing power – immediately funding more business building and spending activity.

Find out more: https://payquicker.com/

PLATINUM WINNER - Konsentus Verify
Konsentus provides confidence in Open Banking. Our award winning Software as a Service (SaaS) solution, Konsentus Verify, helps protect Financial Institutions and their customers from Open Banking related risk and fraud.

Find out more: https://www.konsentus.com/

Marqeta is rewriting the rules for what’s possible with payment cards. With the most advanced infrastructure and tools for building highly configurable payment cards, Marqeta’s open API platform is designed for developers who want a simplified way of managing payment programs so they can create world-class experiences, innovate, and power new modes of commerce.

Find out more: https://www.marqeta.com/

Visa B2B Connect allows participating pilot banks or their technology partners to develop an end-to-end business-to-business payments solution for cross-border and cross-currency transactions, in a simple, fast and secure way.

Find out more: https://developer.visa.com/capabilities/vba

PLATINUM WINNER - Giesecke+Devrient
eCOM Tokenizer is a solution supercharged with Network Tokenization that enables you to redefine everyday e-commerce. This holistic offering by Giesecke+Devrient and our strategic partner Netcetera boosts the e-commerce business for merchants and PSPs by combining the highest levels of security with a seamless customer experience.

Find out more: https://www.gi-de.com/en/payment/digital/digital-payment-solutions/ecom-tokenizer

GOLD WINNER - IDEMIA
Since our founding, IDEMIA has been on a mission to unlock the world and make it safer through our cutting-edge identity technologies. We are trusted by hundreds of governments and thousands of enterprises in over 180 countries, including some of the biggest and most influential brands in the world, for their mission-critical activities. Our technologies enable our clients to credentialize, authenticate and analyze identities for frictionless access control, connectivity, identity, payments, public security, and travel—at scale and in total security.

Find out more: https://www.idemia.com/

PLATINUM WINNER - Giesecke+Devrient & Netcetera
eCOM Tokenizer is a solution supercharged with Network Tokenization that enables you to redefine everyday e-commerce. This holistic offering by Giesecke+Devrient and our strategic partner Netcetera boosts the e-commerce business for merchants and PSPs by combining the highest levels of security with a seamless customer experience.

Find out more: https://www.gi-de.com/en/payment/digital/digital-payment-solutions/ecom-tokenizer

GOLD WINNER - IDEMIA
Since our founding, IDEMIA has been on a mission to unlock the world and make it safer through our cutting-edge identity technologies. We are trusted by hundreds of governments and thousands of enterprises in over 180 countries, including some of the biggest and most influential brands in the world, for their mission-critical activities. Our technologies enable our clients to credentialize, authenticate and analyze identities for frictionless access control, connectivity, identity, payments, public security, and travel—at scale and in total security.

Find out more: https://www.idemia.com/

PLATINUM WINNER - IDEMIA
With GREENPAY sustainable payment solutions, IDEMIA is blazing a trail in this payment community environmental paradigm shift. This eco-friendly end-to-end initiative encompasses products, services, processes and carbon emission offsetting programs to help financial institutions achieve their sustainable development goals.

Find out more: https://www.idemia.com/greenpay-sustainable-payment-solutions

Platinum Winner - Zeal Middleware
Every time a card transaction is made on a POS terminal, merchants lose a chance to identify and retain their customers. POS terminals were built to process payments, not to identify/retain customers. Zeal has built an award-winning middleware that integrates on POS terminals worldwide either Linux or Android to analyze, reward, and enable merchants to reach back to their paying customers.

Find out more: https://myzeal.app/en/products/zeal-pos

Gold Winner - Worldline Smart POS
Worldline Greece is revolutionizing the field of payments with its innovative Tap to Mobile technology that enables any business, by installing the Worldline Smart POS application, to turn its Android mobile device or tablet into a POS and complete, from anywhere, easy, fast, contactless and secure every transaction.

Find out more: https://worldline.com/en-gr/home/main-navigation/solutions/merchants/acquiring-solutions/smart-pos.html

PLATINUM WINNER - Nuapay
Nuapay is a pioneer of Open Banking and the industry’s leading Account-2-Account payment environment.
Today, we offer customers and partners all around Europe a fully comprehensive, integrated payment solution that removes all traditional banking inefficiencies and unnecessary costs, saving time, money and resources at every turn. This is banking as it should be.

Find out more: https://www.nuapay.com/en/

GOLD WINNER - Verifone
The world’s best-known retail brands, major financial institutions, and millions of merchants worldwide trust Verifone for tech-forward, simple, and secure ways to accept payments from anyone at any time. Our passion is to empower you with the systems and data you need to refine your customer journey and accelerate growth.

Find out more: https://www.verifone.com/en/us

PLATINUM WINNER - Chargebee
Chargebee is the subscription billing and revenue management platform that lets you solve for your today, and scale for your tomorrow.

Find out more: https://www.chargebee.com/gb/

GOLD WINNER - Zuora
Zuora helps power your subscription business from quote-to-revenue on the world’s leading subscription management platform.

Find out more: https://www.zuora.com/

PLATINUM WINNER - Recurly
Recurly is the subscription management and billing platform trusted by leading brands to help them adapt quickly, use data-driven insights to capture and keep more business, and manage subscriptions at scale.

Find out more: https://www.recurly.com

GOLD WINNER - Verifone 2Checkout Monetization Platform
The world’s best-known retail brands, major financial institutions, and millions of merchants worldwide trust Verifone for tech-forward, simple, and secure ways to accept payments from anyone at any time. Our passion is to empower you with the systems and data you need to refine your customer journey and accelerate growth.

Find out more: https://www.verifone.com/en/us

PLATINUM WINNER - Napier
Napier is a new breed of RegTech that is committed to embracing technological innovation to deliver AML compliance solutions that make a measurable difference in driving down financial crime. Trusted by over 200 institutions worldwide, the company’s platform, Napier Continuum, is transforming compliance from a legal obligation to a competitive edge.

Find out more: https://www.napier.ai/continuum

GOLD WINNER - Tookitaki Anti-Money Laundering Suite
Headquartered in Singapore, Tookitaki is a regulatory technology company offering financial crime detection and prevention to some of the world's leading banks and fintech companies to help them transform their anti-financial crime and compliance technology needs.

Find out more:  https://www.tookitaki.com/products/anti-money-laundering-suite

PLATINUM WINNER - Konsentus Verify
Konsentus is a RegTech company providing confidence in the open banking ecosystem through identity and regulatory checking services. Our award-winning SaaS solution, Konsentus Verify, protects financial institutions and their customers from open banking fraud and risk.

Find out more: https://www.konsentus.com/

GOLD WINNER - Austreme Transaction Laundering Detection
Merchant transaction laundering is the action whereby a merchant processes payment card transactions on behalf of another merchant (also known in the industry as “transaction aggregation”). It may trigger non-compliance as well as assessments for non-compliance with other rules, such as card acceptor business codes (MCC) miscoding violations or failure to register a high-risk merchant through the card schemes’ program.

Find out more: https://www.austreme.com/en/transaction-laundering-detection/

PLATINUM WINNER - Konsentus
Konsentus is a RegTech company providing confidence in the open banking ecosystem through identity and regulatory checking services. Our award-winning SaaS solution, Konsentus Verify, protects financial institutions and their customers from open banking fraud and risk.

Find out more: https://www.konsentus.com/

GOLD WINNER - Proxymity
Proxymity is the leading digital investor communications platform. We connect issuers, intermediaries and investors in real time via our unique digital pathway, which creates more efficient, more accurate and more transparent solutions.

Find out more: https://proxymity.io/

PLATINUM WINNER - Cappitech
Cappitech combines industry expertise and technology to help clients meet their regulatory requirements. With over 15 years’ experience, and 30 technical staff, we have helped over 100 clients with their transaction reporting requirements.

Find out more: https://www.cappitech.com/

GOLD WINNER - Konsentus Verify

Our award-winning SaaS solution, Konsentus Verify, helps protect Financial Institutions and their customers from open banking related risk.

Find out more: https://www.konsentus.com/

PLATINUM WINNER - Bolt Checkout Experience Platform
Retailers use Bolt's lightning-fast, 1-click checkout to convert, retain, and delight more shoppers. Bolt’s checkout experience platform addresses the problems retailers face with optimizing conversions, managing hundreds of integrations and the rising risk of fraud. It’s not a replacement for the shopping cart platform, but rather a compliment that integrates with the vast majority of the major platforms.

Find out more: https://www.bolt.com/

PLATINUM WINNER - ACI Worldwide
ACI Worldwide delivers payments software and solutions that power the global economy. With offices in 34 countries and customers in 95 countries we bring global perspective to local challenges for banks, merchants and billers.

Find out more: https://www.aciworldwide.com/

Mastercard Loyalty Connect is an easy way to increase customer loyalty and engagement with retailers’ loyalty programmes. Customers can link their loyalty programme to any payment card such as Mastercard, Visa, Amex, CUP, JCB. Once linked, this can be used by a customer to both pay and earn (and burn) their loyalty points or offers securely in real time.

Find out more: https://www.mastercard.co.uk/en-gb/merchants/grow-your-business/improve-efficiencies/loyalty-connect.html

PLATINUM WINNER - Blackhawk Network
Blackhawk Network delivers branded payment programs to help meet today’s most challenging business objectives. We collaborate with our partners to innovate, translating market trends in branded payments to extend reach, build loyalty and increase revenue.

Find out more: https://blackhawknetwork.com

Amazon Go is a new kind of store with no checkout required. We created the world’s most advanced shopping technology so you never have to wait in line. With our Just Walk Out Shopping experience, simply use the Amazon Go app to enter the store, take the products you want, and go! No lines, no checkout. (No, seriously.)

Find out more: https://www.amazon.com/b?ie=UTF8&node=16008589011

Juvo utilizes advanced data science and machine learning technologies to build financial identities for the 3.9 billion people today who lack a formal financial record. Financial identities are creating new revenue opportunities for Mobile Network Operators and Financial Institutions by allowing them to engage with more consumers.

Find out more: https://juvo.com

PLATINUM WINNER - Thales
Thales is committed to sustainability, and we care about the environment –  just like you! As of July 2023, 324 banks have signed up to the Principles for Responsible Banking, leading the way to a future in which the banking community makes a beneficial contribution to people and the planet that society expects.

Find out more: https://www.thalesgroup.com/en/markets/digital-identity-and-security/banking-payment/cards/eco-friendly-credit-card

GOLD WINNER - G+D Convego Beyond
Convego Beyond is an eco-offering that G+D provides to banks and financial institutions. The offering starts with eco-payment cards but goes beyond payment card. The portfolio includes a 100% recycled plastic card, 100% PLA bio-based plastic card and a Parley Ocean plastic card where the plastic was collected from the ocean with a  purpose.

Find out more: https://www.gi-de.com/en/payment/card/smart-cards/convego-beyond

PLATINUM WINNER - G+D Convego Cloudpay eSE
Our close cooperation with Visa, Mastercard, as well as a variety of local solutions, enable us to offer a customizable yet standardized digital payment platform. It is easy to implement and manage, and it lets you create value-added offerings for your customers.

Find out more: https://www.gi-de.com/en/payment/digital/mobile-payment-solutions

GOLD WINNER - Apple Pay
Apple Pay is the one way to pay. It replaces your physical cards and cash with an easier, safer, more secure and private payment method — whether you’re in a shop, on a website or in an app. It’s money, made modern.

Find out more: https://www.apple.com/uk/apple-pay/