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: 

• Ammara Masood, Ndctech

Highly Commended: 

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

Winner: 

• Global Processing Services (GPS) - Joanne Dewar

Highly Commended: 

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

Winner:  

• ACI Worldwide - Patricia Rojas

Highly Commended: 

• Fondy - Valeria Vahorovska
  
  

Winner: 

• Natwest Group - Future Solutions and Automation Team

Highly Commended: 

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

Winner: 

• JP Morgan Chase & Co - Autism at Work Programme

Highly Commended: 

• J.P. Morgan - Olu Howard

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