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Banking Tech Awards
3rd December 2026
Hilton Park LaneLondon
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Congratulations to the 2026 finalists!

Celebrating success since 1999, this year's shortlist is a testament to groundbreaking innovation, unmatched excellence, and extraordinary talent. Selected from hundreds of entries worldwide, it showcases the absolute best in the fintech industry.

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Project Awards

For banks and financial institutions.

Best Bank & FinTech Partnership

  • Bank Hapoalimm & Wonderful
  • Bank of Ireland & Personetics
  • Ecology Building Society & Monument Technology
  • Fifth Third Bank & Trust & Will
  • FVCbank & Fintel Connect
  • HSBC & Token.io
  • Lloyds Banking Group & CoBa
  • Lloyds Banking Group & Tunic Pay
  • Morgan Stanley Wealth Management & Tangible Inc
  • QNB & Ooredoo Fintech

Best Contribution to Economic Mobility and Financial Inclusion

  • CoinJar: CoinJar AI
  • Habib Bank AG Zurich: Sirat
  • InRento, UAB: Asset-Backed Real Estate Investment Platform to European Retail Investors
  • Paysafe: eCash Ecosystem Enabling Global Financial Participation
  • Paysafe: PagoEfectivo Wallet
  • SEB Bank: Financial Fitness Score
  • Zenus Bank: Zenus Embedded Banking

Best Contribution to Financial Inclusion & Education for the Next Generation

  • Banrisul S.A. - Banco do Estado do RIo Grande do Sul SA: Youth Banking Experience
  • CTBC Bank: Parent-Child Financial inclusion Ecosystem
  • ING: Children Overview
  • Kit: PayDay Splitting

Best Core Banking Technology Initiative

  • Bank of Sydney: Core Banking Transformation
  • CTBC Bank: Core Banking Capability Transformation Program
  • Ecology Building Society: Monument Technology's Full Core Transformation
  • Halkbank: Digital Transformation Model
  • Hamilton Reserve Bank: Advancing Banking Technology
  • Nequi: Core Banking Cloud Transformation
  • Saint John’s Cooperative Credit Union: Core Banking Transformation with Profile Software

Best Customer Experience Initiative for Business

  • Arival Bank: Customer XP
  • BMO: Banking Business Xpress (BBX) Cross-Sell & Multi-Product
  • HSBC: One Hour Back - Every Customer Forward
  • U.S. Bank: SinglePoint

Best Customer Experience Initiative for Consumers

  • Best Egg: Everyone As An Analyst
  • DBS Bank: Digibot, Joybot, and CSO Assistant
  • Lloyds Banking Group: Moments of Truth
  • Millennium bcp: Travel Bundle
  • Monefit: SmartSaver
  • Northmill Bank: Instant Airport Lounge Access
  • novobanco: NextGen Cashback

Best Customer Experience Initiative for Consumers – Engagement & Personalisation

  • CTBC Bank: Intelligent Banking
  • F.N.B. Corporation: eStore®
  • NatWest Group: Intelligent Customer Personalisation

Best Digital Assets & Blockchain Initiative

  • Banco de Credito del Peru & J.P. Morgan: Kinexys
  • Ledn: LEDN 2026-1A
  • State Street Investment Management: Stablecoin Reserves Money Market Fund
  • STS Digital Ltd.

Best Embedded Finance Initiative

  • Aktif Tech: Apilion API Gateway
  • Millennium bcp: Marketplace
  • U.S. Bank: Embedded Payments

Best Mobile Initiative for Consumers

  • BMO Bank NA: DollarGPS
  • Clarien Bank: Mobile Banking Transformation
  • Lloyds Banking Group: Notifications Hub
  • Millennium bcp: Account Opening with Liveness Technology
  • Northmill Bank: Instant Airport Lounge Access

Best RegTech Initiative

  • Bank of America: TRACE Regulatory Platform Transformation
  • DBS Bank: Asset Reconciliation Dashboard
  • Lloyds Banking Group: Transforming Financial Crime Investigations with Pega AIM
  • Morgan Stanley: Scaling Consolidated Audit Trail (CAT)
  • Morgan Stanley: Trade Surveillance
  • Morgan Stanley: Wealth Management Trade Confirmation Platform
  • Zenus Bank: Embedded Compliance

Best Tech Overhaul – Back Office

  • DBS Bank: Enhanced Jumphost
  • GM Financial: Finance Transformation
  • Millennium bcp: Aeon Design System

Best Tech Overhaul – Front Office

  • J.P. Morgan AWM: Trading Scale and Performance
  • J.P. Morgan AWM: Spectrum Portfolio Management Fixed Income Program (SPMFI)
  • Raiffeisen Bank International AG: One Frontend for Human and Digital Banking

Best Use of AI – Customer Facing Initiative

  • Alior Bank S.A.: Prosto
  • ANNA Money: Auto Accountant
  • CoinJar: CoinJar AI
  • Lloyds Banking Group: Chat with your Spend
  • Morgan Stanley: Contact Center Service Assist
  • NatWest: CORA + WhatsApp
  • Santander Portugal: Sandi, the AI Voice Assistant

Best Use of AI – Customer Facing Initiative – Virtual Banking Assistant

  • Bank Hapoalim: Danit
  • DBS Bank: Digibot and Joybot
  • International Bank of Azerbaijan: AI Conversational Banking
  • Nest Bank S.A.: N!Assistant 2.0

Best Use of AI – Internal Operations

  • Bank of America: Ask Global Payments Solutions (AskGPS)
  • DBS Bank: Trade Finance Gen AI
  • DBS Bank: Cash Manual Payment Processing with AI (Regional)
  • J.P. Morgan AWM: Hyper-personalization
  • J.P. Morgan AWM: Spectrum Proxy Voting
  • J.P. Morgan AWM: SpectrumIQ
  • Morgan Stanley: Financial Advisor Assist (FA Assist)

Best Use of AI – Internal Operations – AI at Scale

  • Banco Bradesco: Bridge
  • DBS Bank: Gen AI Standard Model Monitoring Solution
  • Halkbank: Enterprise AI Transformation
  • Nest Bank S.A.: Eagle Owl
  • Paysafe: Embedding Responsible AI
  • Scotiabank: Scotia Intelligence

Best Use of AI – Internal Operations – Customer Interaction Intelligence

  • Banco Bradesco: BIA Reviews
  • mBank S.A.: AI in Complaints
  • Morgan Stanley: AI Contact Center Intelligence Platform

Best Use of AI – Internal Operations – Document Intelligence

  • DBS Bank: DocAI as a Service
  • DBS Bank: Gen AI Co-Pilot
  • J.P. Morgan AWM: Account Onboarding Agents
  • Morgan Stanley: Agentic Digital Collaboration for Account Opening & Account Maintenance
  • Morgan Stanley: The DocCentral (VRAE) Multimodal Extraction Pipeline

Best Use of AI – Internal Operations, Software & Engineering

  • CTBC Bank: CTBC R-EIN
  • J.P. Morgan AWM: Hibiscus JARVIS Agentic Platform
  • Morgan Stanley: DevGen.AI
  • Morgan Stanley: PlatformIQ
  • Morgan Stanley: AI‑Rchitect
  • Morgan Stanley: Scaling Agentic AI Across the Software Development Lifecycle
  • Morgan Stanley: AI to Summarize Mainframe Job Failures and Reduce MTTR
  • Morgan Stanley: TEREO Smart Recovery
  • Morgan Stanley: DBIQ

Best Use of Cloud

  • Lloyds Banking Group: Lloyds Banking Group Offers
  • Lloyds Banking Group & Publicis Sapient: Account Overview Modernisation
  • Morgan Stanley: Multi-Cloud Automation Framework (MCAF)
  • Morgan Stanley: FinOps in Action

Best Use of Data

  • EFG International: ATLAS
  • J.P. Morgan AWM: SpectrumIQ Trading
  • Lloyds Bank: Process Intelligence Hub (PIH)
  • London Stock Exchange Group: Building a Transparent, Resilient and Commercially Driven Data Foundation
  • Morgan Stanley: Network Embedded Attribute Tagging (NEAT)
  • NatWest Group Plc: External Financial Reporting Automation Programme
  • U.S. Bank: KYC/KYB
  • ZIRAAT BANK: Transforming Audit into a Continuous, Data-Driven and Automation-Enabled Function

Best Use of Tech in Business Lending

  • 365 Finance: AI-powered Fast Underwriting Platform
  • Atom Bank: Commercial Loan Originations Workflow - Flowable
  • Habib Bank AG Zurich: Salesforce-native Cloud Banking Platform
  • InRento, UAB: Cross-Border Lending Platform
  • Nucleus Commercial Finance: SME Lending
  • Raiffeisen Bank International: CLAIRE

Best Use of Tech in Business Payments

  • BNP Paribas Bank Polska S.A.: Express Elixir 24/7 and XML Viewer
  • BNP Paribas Bank Polska S.A.: Payment Factory
  • Citizens: Account Validation

Best Use of Tech in Combatting Fraud

  • Bank of Ireland & Featurespace, a Visa Solution: Fraud Transformation Journey
  • BMO: Business Banking Xpress (BBX) One-Time Password (OTP) and TMX Advanced Profiling
  • Central 1 & Featurespace, a Visa solution: Payment Fraud Prevention Solution
  • CTBC Bank: AI SKYNET 2.0
  • HSBC: HSBCnet Customer-Led Fraud Defence
  • Mastercard: Decision Intelligence Pro
  • Millennium bcp: Security Hub
  • NatWest & Featurespace, a Visa solution: Adaptive Behavioral Analytics and Automated Deep Behavioral Networks

Best Use of Tech in Consumer Lending

  • Creditstar Group: Core Lending Platform
  • CTBC Bank: Rebuilding Consumer Lending through AI
  • Millennium bcp: NextGen Conversion Engine
  • Northmill Bank: Flexible Digital Mortgage Within 48 hours
  • novobanco: Instant Lending at Scale

Best Use of Tech in Consumer Payments

  • CTBC Bank: Uniopen Consumer Finance Ecosystem
  • Nomo Bank: Cross-Border Consumer Payments
  • PTSB: Payments Transformation with Red Hat

Best Use of Tech in Private Banking/Wealth Management

  • Coutts: Transforming Coutts.com
  • CTBC Bank: AI Relationship Manager Assistant
  • J.P. Morgan AWM: Collaboration Center
  • J.P. Morgan AWM: Tap to Sign
  • J.P. Morgan AWM: ClientIQ
  • Morgan Stanley: Credit Risk Platform
  • Morgan Stanley: AskWM
  • Morgan Stanley: Crypto Spot Trading

Best Use of Tech in Retail Banking

  • BMO: Needs Navigator
  • BMO: Tax Hub
  • F.N.B. Corporation: eStore®
  • Millennium bcp: NextGen Conversion Engine
  • Nationwide Building Society: Customer Decision Hub

Best Use of Tech in SME Banking

  • Allica Bank: AI Lending for Workflow Application
  • Arival Bank International Corp.: Arival bank
  • Banco Bradesco: Digital Platform for Legal Entities
  • CTBC Bank: SWIP
  • Northmill Bank: AI-Powered Underwriting and Onboarding

Best Use of Tech in Treasury & Capital Management

  • Bank of America: CashPro Security
  • Doha Bank: Kondor System
  • Guaranty Trust Bank: Treasury Transformation
  • HSBC: HSBC Tokenised Deposit Service (TDS)
  • Lloyds Banking Group: Lloyds Bank Connected
  • Co-operative Bank of Kenya: Acumen.plus (Treasury Transformation) with Profile Software

Tech Excellence Awards

For technology services and software providers.

Best AI Solution

  • Airia
  • Eltropy: Agentic AI Suite
  • Smartstream: AIR and Smart Agents
  • SpeciTec SA: Governed Agentic AI Co-pilots for Private Banking
  • Taktile: Agentic Decision Platform
  • Trust & Will: EstateOS

Best AI Solution in Investment & Wealth Management

  • Freedom24: Neo Compliance
  • Goodfin: Goodfin Go
  • Intellect Design Arena: Purple Fabric
  • Liquidity: AI Infrastructure Layer For Asset Management
  • Trading Central: FIBI™ Storyteller
  • Wealth.com: Ester Intelligence

Best AI Solution in Lending

  • QuickFi
  • Saris
  • X Star Technology: Xport

Best AI Solution in Payments

  • Chargebacks911: Unified Dispute Management System (UDMS)
  • RedCompass Labs: Payments Expert Agent
  • Yaspa: Intelligent Payments Platform

Best AI Solution – Customer Engagement & Communication

  • BOND.AI: Autopilot
  • CSG: Xponent
  • docstribute: AIDA (AI powered document assistant)
  • Engageware: AI-Powered Customer Engagement Platform for Regulated Industries
  • Talkdesk: Customer Experience Automation

Best AI Solution – Financial Crime Compliance and Risk Management

  • LatentBridge: Sanctions L1 Decision Support
  • SymphonyAI: Symphony Risk Intelligence
  • ThetaRay
  • TRM Labs, Inc.: Agent, powered by Orion (TRM Forensics AI Investigative Assistant)
  • Wecan Group: Wecan Compliance Copilot


Best AI Solution – Fraud Prevention & Combat

  • Featurespace, a Visa Solution: Automated Deep Behavioral Networks
  • Reality Defender
  • Socratix AI: AI Coworker for Fraud Investigations
  • Tunic Pay: APP Fraud - Payment Context Protocol

Best AI Solution – Risk Decisioning

  • MatLogica Ltd: MatLogica AADC
  • Oscilar
  • X Star Technology: X Credit – AI-Orchestrated Credit Decisioning

Best Core Banking System

  • 10x Banking
  • Dock Tech: Dock Core Banking Platform
  • Oracle Corporation: FLEXCUBE Universal Banking
  • Pismo: NG.cash
  • Skaya Inc: Ez Technologies
  • Temenos

Best Digital Solution Provider – Banking Tech

  • Candescent: Intelligent Banking Platform
  • CredAble: Supply Chain Finance Platform
  • FIS: Digital One™ Flex
  • Monument Technology: Banking Platform-as-a-Service
  • Naehas: Naehas Platform
  • Temenos: Temenos Digital

Best Digital Solution Provider – ID Verification

  • CTBC Bank: Cross-Institution Identity Ecosystem
  • Intellicheck: Identity Verification Service
  • Mastercard: Identity Insights for Transactions
  • Shufti: Glocal Identity Verification and Full Compliance Lifecycle Management Solution
  • Signicat: ReadID
  • Viettel AI & Data Services Center: Viettel eKYC

Best Digital Solution Provider – LendTech

  • Alogent: AccuAccount
  • C&R Software: Debt Manager
  • equipifi: BNPL Platform
  • Finastra: LaserPro Cloud
  • LoanPro
  • QuickFi
  • X Star Technology: Xport

Best Digital Solution Provider – LendTech – Business Lending

  • GoDocs
  • iBusiness.ai: Lendsey
  • Pulse: Unified Lending Interface (ULI)

Best Digital Solution Provider – LendTech – Credit Intelligence & Decisioning

  • MQube: Agentic Underwriter
  • Oscilar
  • Prestatech: PLend
  • X Star Technology: X Credit – AI-Orchestrated Credit Decisioning

Best Digital Solution Provider – PayTech

  • AccessPay
  • Brim Financial
  • Chargebacks911: Unified Dispute Management System (UDMS)
  • emerchantpay
  • stc pay Bahrain
  • Swiipr Technologies Ltd: Global Payment Distribution Solution Cards

Best Digital Solution Provider - PayTech for Banks & FIs

  • Alogent: Unify
  • Finastra: Payments To Go
  • Form3: Payments Platform
  • Getnet Platforms: Payments Hub
  • i2c: PowerOne
  • Infosys Finacle: Finacle Payments
  • Sarvatra Technologies Pvt. Ltd.: CBDC Solution — Retail & Programmable Digital Currency Platform
  • Softtech: NYDO : Unified Bulk Payment Platform
  • Stablecore


Best Digital Solution Provider - PayTech for Global Business

  • COLIBRIX ONE
  • Navro: The Payments Curation Platform
  • PayDo

Best Digital Solution Provider - Payments Infrastructure

  • Corpay Cross-Border Solutions
  • RS2: BankWORKS® platform
  • SDK.finance
  • Silverflow

Best Digital Solution Provider – RegTech

  • CompliSolv
  • FrankieOne: Identity and Fraud Orchestration Platform
  • GSS (Global Screening Services)
  • Kharon
  • REGnosys: Rosetta
  • Skaya.Inc: A.ID
  • WIDTH Pte. Ltd.

Best Digital Solution Provider – RegTech – Communications Compliance

  • docStribute
  • LeapXpert
  • Shield: Digital Communications Risk Management platform

Best Digital Solution Provider – RegTech – Financial Crime Compliance

  • ComplyAdvantage
  • Flagright
  • Napier AI: Continuum
  • Oracle: Financial Crime and Compliance Management Solution Suite
  • SymphonyAI: Symphony Risk Intelligence
  • ThetaRay

Best Digital Solution Provider – RegTech – KYC & AML Compliance

  • Castellum.AI: Arbiter AI Agents
  • Innovative Systems: FinScan
  • Sinpex
  • smartKYC

Best Digital Solution Provider – WealthTech

  • Addepar
  • Flourish
  • Intellect Design Arena: eMach.ai Wealth
  • IVM Markets Inc
  • OneVest: Agentic Wealth Operating System
  • Pave Finance: Pave Pro
  • Softtech: The Financial Cockpit
  • SpeciTec SA: Private Banking Platform
  • Treble Peak: Modernising Private Markets
  • Wealth.com: Estate & Tax Planning Platform

Best Embedded Payments System

  • Conferma: Connect Direct
  • Corpay Cross-Border Solutions: Global Integrated Payments Solution
  • Edenred Payment Solutions: Hnry
  • Gemba: Embedded Banking & Payments Platform
  • Payroc
  • Splitit: Installments-as-a-Service Platform

Best Open Finance System

  • 9Spokes: Open Finance Data Intelligence and Insights Platform
  • Plaid
  • Wealthreader

Best Personalisation & User Experience Solution

  • Communify: Intelligent Stories™
  • Lili
  • Lloyds Banking Group: Fintech Model Hosting for Personalisation of Bill Switching
  • Meniga
  • Seismic: Enablement Cloud™ powered by Aura AI
  • SpeciTec SA: Personalised, Risk-Based Client Onboarding and Lifecycle Management

Best Risk Management Solution

  • Diaman Tech: Operational Resilience Manager
  • Kharon
  • Oscilar
  • Reality Defender: Real-Time Deepfake Risk Management for Banking
  • SpeciTec SA: Real-Time Lombard Credit Risk Management
  • TransUnion: Spoofed Call Protection
  • Valid Systems: Integration on Snowflake AI Data Cloud

Best Tokenisation & Blockchain Solution

  • Alphapoint: Treasury Platform
  • KAST
  • Stablecore
  • WalletConnect: WalletConnect Pay

Banking Tech Start-up of the Year

  • equipifi
  • Flagright
  • Oscilar
  • Reality Defender
  • Socratix AI

FinTech Start-up of the Year

  • 401GO
  • Goodfin
  • Monefit Investments OÜ
  • NXTMOVES
  • Stablecore
  • Torus

UK FinTech of the Year

  • AmplifyME
  • Credispring
  • Inveztor
  • Meniga
  • Monument Technology

UK PayTech of the Year

  • Ecommpay
  • emerchantpay
  • Form3
  • Moorwand
  • Navro
  • Paymentology
  • TransferMate
  • Tribe Payments

Leadership Awards

For any individual or team.

Tech Leadership – Bank/Financial Institution

  • Joe Madigan, Director, Group Customer Analytics, Bank of Ireland
  • Vincent J. Delie, Jr., Chairman, President & CEO, F.N.B. Corporation
  • Abdur Rahman, Senior Product Owner, Lloyds Banking Group
  • Magdalena Olejnicka, Deputy CEO, Nest Bank S.A

Tech Leadership – Visionary CEO

  • Gabriel Shahin, CEO, Falcon Wealth Planning
  • Marissa Arnold, CEO, Flourish
  • Timur Turlov, Founder & CEO, Freedom Holding Corp.
  • Alex Fenton, CEO, Funding Bay and FBX Capital Partners
  • Zahid Bilgrami, CEO, Mortgage Brain
  • Magdalena Olejnicka, First Deputy CEO, Nest Bank S.A.

Tech Leadership – Visionary Founder

  • Thomas Nokin, Founder & CEO, Basikon
  • Monica Eaton, Founder & CEO, Chargebacks911 / Fi911
  • Gabriel Shahin, CEO, Falcon Wealth Planning
  • Baran Özkan, Co-Founder & CEO, Flagright
  • Ildar Farkhshatov, Co-Founder & CTO, IVM Markets Inc
  • Serhii Zakharov, Founder & CEO, Stablecore
  • Paul Taylor, Founder & CEO, Thought Machine

Woman in Technology

  • Colleen Wilson, Chief Product Officer, Best Egg
  • Deborah Overdeput, COO, Innovative Systems, Inc.
  • Julie Chatterjee, CEO, Northmill Bank
  • Yuan Gao, Founder & CEO, Pangura Limited
  • Ammara Masood, Global Industries GM – Banking & Financial Services, Systems Limited

Tech Team of the Year – Bank/Financial Institution

  • Bank of America: EMEA Technology Team
  • Coutts: Private Banking & Wealth Management CIO Digital Services & Platform Engineering Team
  • Morgan Stanley: Firmwide AI Development Platform (AIDP)
  • Morgan Stanley: Performance Measurement Engineering Team
  • Morgan Stanley: WIMT AI and Data Technology Team
  • Snappi Bank: Product Team

Tech Team of the Year – Software & Services Provider

  • Candescent: Executive Leadership Team
  • Mojaloop Foundation: Technical Team
  • Systems Limited: Banking Technology Team