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Future Digital Award Winners Announced for Payment, Security and Retail Innovation 2018

Hampshire, UK: 3rd December 2018: Companies at the forefront of new developments in payments, fraud prevention and retail have been honoured in this year’s Juniper Research Future Digital Awards.

The awards are given to companies that Juniper believes have made significant progress in their sector during the previous year, and are now poised to make considerable market impact in the future.

The final batch of award winners and runners-up in each category were as follows:


  • Payment Innovation of the Year (Judges’ Choice)
    • Winner – Visa, B2B Connect
  • Best Digital Wallet
    • Winner – Nordea, Nordea Wallet
    • Highly Commended – Google, Google Pay
  • Best Mobile Money Offering
    • Winner – Mahindra Comviva and Cassava Smartech, EcoCash (mobiquity Money)
    • Highly Commended – Orange, Orange Money
  • Best Consumer Payment Innovation
    • Winner – Bank of America Merrill Lynch, Global Digital Disbursements
    • Highly Commended – Klarna, Klarna
  • Best B2B Payment Platform
    • Winner – Saxo, Saxo Payments Banking Circle Virtual IBAN
    • Highly Commended – Finacle, Finacle Payments Connect


  • Fraud & Security Innovation of the Year (Judges’ Choice)
    • Winner – Accertify, Dynamic Risk Vectors
  • Best Payment Authentication Platform/Solution
    • Winner – IDEMIA, Cloudcard+
    • Highly Commended – Accertify, Dynamic Risk Vectors
  • Best Cybersecurity Platform
    • Winner – Webroot, Webroot
    • Highly Commended – FireEye, FireEye


  • Retail Innovation of the Year (Judges’ Choice)
    • Winner – Amazon, Amazon Go
  • Best Retail Payment Innovation
    • Winner – Amazon, Amazon Go
    • Highly Commended – Visa, On Card Biometrics
  • Best In-Store Technologies
    • Winner – Amazon, Amazon Go
    • Highly Commended – Kroger, Kroger Edge
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.”

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.”

Mahindra Comviva triumphs 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”

The awards were decided by a panel of expert judges based on a number of criteria including: product features and user benefits; innovation; commercial partnerships; commercial launches; certification & compliance; and, potential future business development.

Juniper Research provides research and analytical services to the global hi-tech communications sector, delivering consultancy, analyst reports and industry commentary.

For further details on the Future Digital Awards, or on Juniper’s full range of research, please contact Sam Smith, Press Relations.

T: +44(0)1256 830002