Winner: 

• DBS Bank - DBS' Hybrid, Multi Cloud Adoption

Highly Commended: 

• JP Morgan Chase -  Praesto
• Morgan Stanley - FAST - Framework Automated Software Testing - Cloud enabled Automation, Service and Data Virtualization

Winner: 

• Lloyds Banking Group in partnership with Publicis Sapient - Continuous Payment Authority (CPA) Cancellation - Open Banking Engagement Lab

Highly Commended: 

• Paytm Payments Bank Limited - Digital Payments & Banking
• Minna Bank, Ltd. - Establishment of Japan's first digital bank, Minna Bank

Winner: 

• SberBank - POS loans for B2B

Highly Commended: 

• DBS Bank - DBS Joy Chatbot
• US Bank – AP Optimiser

Winner: 

• Banco BPI - My Planning/Time Map

Highly Commended: 

• Bank of America - Merrill Digital Wealth Overview (DWO)

Winner:

• Sovcombank and Diasoft-  Sovcombank - Transformation of the financial markets business of Sovcombank, based on the modern composable Digital Q Platform by Diasoft

Highly Commended: 

• SberCIB/Sberbank - eFX Trading Platform

Winner: 

• JP Morgan Chase - Chase MyHome

Highly Commended: 

• QuickFi by Innovation Finance USA LLC - The QuickFi Platform
• VTB - Retail loan pipeline
• Mambu - Recognise Bespoke SME lending

Winner:

• Comviva Technologies Ltd. - MOVii, Colombia

Highly Commended: 

• Mettle - Mettle FreeAgent Integration
• Bank of America - Bank of America Mobile Banking App

Winner: 

• MuchBetter - The MuchBetter ewallet and app

Highly Commended: 

• HSBC - HSBC Kinetic
• DBS Bank - DBS Digibank Singapore

Winner: 

• Banking Circle - Banking Circle

Highly Commended: 

• Standard Bank Group - Gina
• Tinkoff - AI Banking

Winner: 

• VTB Bank - Intelligent routing program

Highly Commended: 

• Bank of Montreal - Introducing Continuous Product Design with Quantum Metric
• Permanent TSB in partnership with Experian - Best Use of Data

Winner: 

• Morgan Stanley - Supervision Engine - Advisory and Brokerage Supervision

Highly Commended: 

• J.P. Morgan - AM Trade Surveillance

Winner: 

• Morgan Stanley - Innovations Powering Our Cybersecurity Advancements

Highly Commended: 

• HSBC - HSBCnet

Winner: 

• JP Morgan Chase - Voice in IVR

Winner: 

• Goldman Sachs Bank USA - Goldman Sachs Transaction Banking

Highly Commended: 

• Minna Bank Ltd - Next-generation Banking System for Digital Natives

Winner: 

• NayaOne (formerly Fintech Sandpit Ltd) - Fintech-as-a-Service

Highly Commended: 

• Nexo - The Nexo Platform
• Bond Financial Financial Technologies Inc. - Bond embedded finance platform

Winner: 

• Goldman Sachs and FINOS - Legend

Highly Commended: 

• Barclays - The Female Innovators Lab
• Santander UK PLC, tomato pay, untied - CashFlow Manager

Winner:

• Novo Banco - NB Smarter - Next Generation, Data Science powered, Banking App

Highly Commended: 

• TD - MyTD AI-Powered Personalization Platform
• au Jibun Bank Corporation - Forex Trading tailored for Investment Beginners

Winner:

• Davivienda - Davivienda

Highly Commended: 

• Natwest Group - Carbon Tracking and Planning Platform

Winner: 

• The Mifos Initiative - Mifos X

Highly Commended: 

• Comviva Technologies Ltd. - MOVii, Colombia
• Robocash Group - UnaPay

Winner: 

• Sustainably - A new way of living and giving

Highly Commended: 

• Affirm, Inc. - Affirm Cares Employee Foundation

Winner: 

• Standard Bank Group - OneFarm

Highly Commended: 

• BlueVine - Payment Protection Program
• DBS Bank - DBS Digibank Singapore

Winner: 

• Paceline - Paceline Rewards Platform

Highly Commended: 

• Solarisbank AG - Samsung Pay

Winner: 

• Temenos - Temenos Transact / The Temenos Banking Cloud

Highly Commended: 

• Marqeta - Marqeta's modern card issuing platform
• Mambu - Mambu Core Banking Platform

Winner: 

• Dreams AB - Dreams Engagement Platform

Highly Commended: 

• Trade Ledger - Trade Ledger platform
• Global Processing Services (GPS) - GPS Apex

Winner: 

• ABAKA - The Next Best Action

Highly Commended: 

• PerimeterX - PerimeterX Platform
• Mosaic Smart Data

Winner: 

• Snoop - Snoop

Highly Commended: 

• Experian - Experian Boost
• Digital Identity Net - OneID
  
  

Winner: 

• Cinchy - Concentra Bank & Cinchy: Best Core Banking Solution Provider for Covid-19 Rapid Response

Highly Commended: 

• Temenos - Banking Technology for Rapid Crisis Response
• Abrigo - Abrigo SBA Solution for Paycheck Protection Program

Winner: 

Oxbury Bank Plc

Winner: 

• Ammara Masood - Ndctech

Highly Commended: 

• Vanessa Colella - Citi Ventures
• Margaret J. Hartigan - Marstone

Winner: 

• Joanne Dewar - Global Processing Services (GPS)

Highly Commended: 

• Jason Gardner - Marqeta
• Vrinda Menon - J.P. Morgan

Winner:  

• Patricia Rojas - ACI Worldwide

Highly Commended: 

• Valeria Vahorovska - Fondy

Winner: 

• Future Solutions and Automation Team  - Natwest Group

Highly Commended: 

• AWM Production and Infrastructure Reliability Engineering - J.P. Morgan
• Kranthi Darapu - Morgan Stanley

Winner: 

• Autism at Work Programme - JP Morgan Chase & Co

Highly Commended: 

• Olu Howard - J.P. Morgan

Winner: 
Bank of America - Branch Transformation

Highly Commended: 
Absa Group Limited - Technology Separation Programme
DBS Bank - DBS Hong Kong Core Banking Project

Winner: 
Sberbank - P2P Subscriptions

Highly Commended: 
Emirates NBD Liv. Digital Bank - Liv. Digital Bank
Novo Banco - New Digital Onboarding Experience

Winner: 
Barclays - Trade OCR Solution

Highly Commended: 
Bank of the West BNP Paribas - Digital Channels and Enterprise Payments Hub

Winner: 
BTB connecting loans in Israel - B-match

Highly Commended: 
Bambu (Mangosteen BCC Pte Ltd) - Beanstox

Winner: 
HSBC - MyDeal

Winner: 
Bank BRI - BRI Ceria

Highly Commended: 
Divido - Powered by Divido

Winner: 
DBS Bank - Enabling "invisible banking" through Open APIs on DBS Marketplaces

Highly Commended: 
Novo Banco - Small Business Finance - Digital Experience
U.S. Bank - Onboarding Tracker
Bank of America - Erica AI-Driven Virtual Assistant

Winner: 
Yolt - Yolt App

Highly Commended: 
Bank ABC - ila Bank - Revolutionizing banking across MENA
BANCO DE CRÉDITO - YAPE
JPMorgan Chase - Consumer & Community Banking (Chase) - Snapshot

Winner: 
au Jibun Bank Corporation - AI Japan Market Forecast

Highly Commended: 
Bank ABC - ‘Fatema’ - the world’s first AI-powered digital employee with Digital DNA™
Bank of Montreal - BMO AI Cashflow Prediction

Winner: 
HSBC - Global Social Networks Analysis (GSNA)

Highly Commended: 
Scotiabank - Enhancing the customer digital experience during COVID-19
Volvo Financial Services - Leveraging telematics data for a better customer experience

Winner: 
Morgan Stanley - Fundamental Review of the Trading Book (FRTB)

Highly Commended: 
Discover Home Loans - Improving efficiency of mortgage regulatory compliance through automation

Winner: 
Signicat and SurePay - Signicat’s Digital Identity Verification with SurePay Confirmation of Payee (CoP)

Highly Commended: 
CaixaBank S.A. - CaixaBank Sign
Checkprint Limited, A Member of the TALL Group of Companies - UCN Plus® - An Image Survivable Feature

Winner: 
Keyless Technologies - Keyless Zero-Knowledge Biometrics

Highly Commended: 
Behavox - Behavox Voice Biometrics
DBS Bank - DBS Palm Vein Technology Enabled Payments

Winner: 
UBS - UBS My Hub External

Highly Commended: 
Saxo Bank - Saxo’s migration to the Cloud.
HSBC - Markets Grid

Winner: 
FINOS - Open Source Technology

Highly Commended: 
Marqeta - Marqeta’s open API issuing and processing platform

Winner: 
ClearBank and Tide - ClearBank Tide Business Banking

Highly Commended: 
Caixa Geral de Depósitos - Dabox App - an open banking solution
SEB - SEBx/UNQUO & THOUGHT MACHINE
Verrency

Winner: 
United Overseas Bank (UOB) - TMRW by UOB

Highly Commended: 
Sberbank
Tinkoff - Tinkoff super-app

Winner: 
Mastercard - Mastercard Sustainable Cards Program

Highly Commended: 
Enfuce - My Carbon Action

Winner: 
BPC - Safal Fasal

Highly Commended: 
Banque Populaire De Mauritanie (BPM) and Comviva - Bankily
Cebuana Lhuillier Rural Bank - Cebuana Lhuillier Rural Bank: Revolutionizing the Concept of Saving Money for Every Filipino through Cebuana Lhuillier Micro Savings

Winner: 
Absa Group Limited - Absa Cybersecurity Academy

Highly Commended: 
Affirm - Affrim Cares Employee Foundation

Winner: 
Starling Bank - Connected card

Highly Commended: 
CaixaBank S.A. - Embracing the new normal
Israel Discount Bank - PayBox Payments App: Doing good in days of Corona - "How Social Payments Can Triumph Social Distance"

Winner: 
Kate Bohn, Accelerator & Incubator Lead, Innovation & Strategy, Lloyds Banking Group

Highly Commended: 
Julie Shapiro, Head of Finance, Risk and Analytics Services Technology, UBS
Mitra Roknabadi, Vice President, Global Head of Marketing, OpenFin
Vilve Vene, Co-Founder and CEO of Modularbank, Modularbank

Winner: 
Jaya Vaidhyanathan, CEO, BCT Digital

Highly Commended: 
Gabriele Columbro, Executive Director, FINOS
Nadia Hartman, Vice President, Morgan Stanley

Winner: 
Alexandra Boyle, Director, Head of Strategic Client Group in Europe, OpenFin

Highly Commended: 
Sunil Ravva, Portfolio Architect, HSBC India

Winner: 
J.P. Morgan Asset Management, Spectrum Core Team

Highly Commended: 
Charles Schwab Investment Management, Investments Technology

Winner: 
Sberbank - Online banking for visually impaired entrepreneurs

Highly Commended: 
HSBC Technology India - HSBC Technology India: Inclusion and Diversity Workstream
J.P. Morgan Asset & Wealth Management - Societal Tech Matters Hackathon

Winner: 
INFOPRO - INFOPRO Digital Core Banking

Highly Commended: 
DPR Group - Core banking platform – Servicing and origination for mortgages, savings and loans
MANTL - Midwest BankCentre (Rising Bank)

Winner: 
Moxtra - Moxtra's Digital Branch Solution

Highly Commended: 
FintechOS Technology UK Ltd - Retail&SME digital banking
Galileo Financial Technologies - Galileo Instant Issuing

Winner: 
Mosaic Smart Data - MSX and MSX360

Highly Commended: 
ABAKA - Predictive Next Best Actions
Bank of America - Erica AI-Driven Virtual Financial Assistant
NEC X and VACO - A cognitive application, using AI and ML technology to meet compliance and regulatory requirements for personal identifiable information (PII) Data Redaction

Winner: 
Strands - SAU, Open Hub

Highly Commended: 
Finicity - Finicity Lend: Open Banking Platform for Credit Decisioning
Infosys Finacle - Finacle Digital Banking Suite

Winner: 
Automated Financial Systems, Inc. (AFS) - Mass Update Tool for PPP Loans

Highly Commended: 
BillGO - BillGO’s Bill Pay Relief Hub
Pollinate - Pollinate Orders launched for hard hit dining sector

Winner: 
Morgan Stanley - Morgan Stanley’s Digital Artifacts (MS-DA)

Highly Commended: 
Anglo-Gulf Trade Bank (AGTB) & Publicis Sapient
Credit Suisse (Schweiz) AG
NewDay

Winner: 
ezbob & Esme Loans by RSB - Transform SME lending

Highly Commended: 
Israel Discount Bank & nsKnox
Ixaris Payments & Banking Circle
Zagrebačka banka d. d. & Hrvatski Telekom d.d.

Winner: 
Jibun Bank Corporation – Smartphone Debit Card

Highly Commended: 
Alfa-Bank Belarus
Caixa Geral de Depósitos
United Overseas Bank Ltd (UOB)

Winner: 
J.P. Morgan Wealth Management - Legacy Technology Decommission, U.S. Private Bank Client Facing Teams

Highly Commended: 
LeasePlan Bank
Barclays Bank PLC – Trade & Working Capital – Corporate Technology
Somo

Winner: 
HSBC – Voltron

Highly Commended: 
CTBC Financial Holding (CTBC Holding)
Israel Discount Bank
Royal Bank of Scotland & Infosys Finacle

Winner: 
Sberbank – Bank of Business Partners

Highly Commended: 
Sberbank
VakıfBank

Winner: 
Bank of America - Enterprise Data Indexing Engine (EDIE)

Highly Commended: 
Kasisto
Morgan Stanley
Tinkoff

Winner: 
Zaloni - The Zaloni Data Platform

Highly Commended: 
Banco BPI
Morgan Stanley

Winner: 
Rabobank & Signicat - Rabo eBusiness

Highly Commended: 
Deutsche Bank
J.P. Morgan

Winner: 
thinkmoney & Outsystems - Digital Transformation Programme

Highly Commended: 
Banco BPI
Cathay United Bank

Winner: 
Divido - Global white label lending platform for point-of-sale finance

Highly Commended: 
Banking Circle
Bank BRI and Infosys Finacle for pioneering digital first lending in Indonesia with BRI Pinang

Winner: 
Avanza & Gigaspaces - NextGenTrading Platform

Highly Commended: 
ABN AMRO & Temenos
Tinkoff

Winner: 
Sberbank – FinTech API – Building an Ecosystem for Corporate Clients

Highly Commended: 
ABSA CIB Corporate Technology

Winner: 
Mastercard - Connected Intelligence

Highly Commended: 
Alfa-Bank Belarus

Winner: 
LeasePlan Bank - Project DeLorean

Highly Commended: 
ABSA Corporate Technology

Winner: 
Morgan Stanley - Modern Platform, Generic Rules Engine (GRE) Frameworks

Highly Commended: 
J.P. Morgan Asset Management 

Winner: 
BMO- BMO Give&GO

Winner: 
Mambu & Nordiska – Lendtech Overhaul

Winner: 
Ebele Kemery from J.P. Morgan Chase

Highly Commended: 
Lee Ann Lancaster from Mama Money
Samina Rizwan from United Bank Ltd. Pakistan
Simonne LeBlanc from Ethoca

Winner: 
Melanie Dorn from Morgan Stanley

Highly Commended: 
Nicole Sandler from Barclays
Klaus Thorup from ClearScore

Winner: 
Robert Claridge from Lloyds Banking Group

Highly Commended: 
Ranjitha Krishna Reddy from Morgan Stanley
Olga Filipenko from Alfa-Bank Belarus
Cara Wright from J.P. Morgan

Winner: 
Lloyds Banking Group – Group Transformation Capability Team

Highly Commended: 
BPI – Digital Banking
Barclays Bank UK – Mainframe Resilience

Winner: 
DPR

Highly Commended: 
Avaloq
DPR
Yobota

Winner: 
SunTec Business Solutions

Highly Commended: 
Nuapay, a Sentenial Company
Worldline

Winner: 
nCino

Highly Commended: 
ACI Worldwide
Fiserv

Winner:
Arion Bank – Digital Future Accelerator

Highly commended:
Credit Suisse – Risk & Finance Workflow Product

Winner: 

Zopa - Kafka Quotation Pipeline – Industry First Implementation

Highly Commended: 

Compliance Wallet powered by PikcioChain

SARB – Project Khokha

Winner:

EcoCash, Steward Bank & Comviva – EcoCash

Highly Commended: 

HSBC & Tradeshift Partnership

Winner: 

Albaraka Turk Participation Bank – Biometric Signature Project

Highly Commended: 

Tinkoff Voice Biometry

Winner: 

Saxo Bank – OCBC RoboInvest

Highly Commended: 

Raiffeisen Bank International – Wealth Management Platform – Dorsum

Winner: 

DBS Bank – Customer-centric Digital Experience

Highly Commended: 

Deutsche Bank – API Programme

Winner: 

OP Financial Group – OP Invoice Credit

Highly Commended: 

Israel Discount Bank – Banking Website Redesign & New App Launch

Winner: 

JP Morgan – Asset Management Strategic Hedge of Seed Capital

Highly Commended: 

HSBC – MyDeal

Winner: 

Arion bank – Mortgages & Refinancing of Mortgages

Highly Commended: 

Ezbob – Digital lending-as-a-service platform

iwoca – small business loans

Winner: 

Vocalink – PromptPay

Highly Commended: 

AIB – AIB Mobile App

İşbank – Digital Transformation Programme

Winner: 

Curve – Curve with Wirecard

Highly Commended: 

Bank Cler AG – Zak

DBS Bank – DBS Lifestyle app

Winner: 

Bank of Montreal – BMO Quickpay

Highly Commended: 

Deposit Solutions – Open banking platform

Siam Commercial Bank – SCB Easy

Winner: 

Redwood Bank & DPR consulting – Redwood Bank: Born in the Cloud

Highly Commended: 

Morgan Stanley – MIFID II ISIN/TOTV Services

Tinkoff – Biggest cloud call centre in Europe

Winner: 

National Bank of Greece – i-bank Pay & i-bank Pay4B

Highly Commended: 

St1 Finance

Winner:

Itaú Unibanco S.A. – Digital Analytics Center of Excellence

Highly Commended: 

DBS Bank – SMART Ops Programme

Société Générale – SDS: SGCIB Data Services leveraging GigaSpaces in-memory computing platform

Winner: 

Bank of England – Regulatory Data Project

Highly Commended: 

ClauseMatch & Barclays – RegTech Solution for Policy Management

Winner: 

Morgan Stanley – Next Best Action (NBA)

Highly Commended: 

HSBC – GBM Big Data Programme

Winner: 

Deutsche Bank – CommunITy Hackathons

Highly Commended: 

Mifos Initiative – Mifos X

Winner: 

Orla Dunne, Managing Director, Global Co-head of Engineering Deployment, Runtime and Architecture, Goldman Sachs

Highly Commended: 

Anabel Perez, CEO and Co-Founder, NovoPayment 

Lea Tarnowski, Chief Operations Officer & President, Averon

Winner: 

Adina Eckstein, Global Head of Mobile Delivery, HSBC

Highly Commended: 

Matthias Kroener, CEO, Fidor Bank

Snejina Zacharia, Founder & CEO, Insurify

Winner: 

JP Morgan – Asset Movement Engine

Highly Commended: 

BNP CIB – IV2 Digital Platform

Winner:

Mambu

Winner:

Meniga

Winner:

Redline Trading Solutions