2023 Winners & Highly Commended

Winner:

• Banco de la Nación Argentina - Go big or go home: building Argentina’s largest bank first app

Highly Commended:

• MTN and Ericsson - MTN Mobile Money Open APIs

Winner:

• BPC and Cake Bank - Digital banking platform delivers credit cards to provide a full range of financial services

Highly Commended:

• Citizens Financial Group - Citizens Pay and LiftForward Partnership
• DBS Remit - DBS Remit via Bangladeshi Taka (BDT) Corridor

Winner:

• MTN and Ericsson - MTN Mobile Money Open APIs

Winner:

• HBL - Payments Aggregator

Highly Commended:

• İşbank - Nays
• DBS Bank LTD - DBS PayLah

Winner:

• b1BANK - Corserv’s Turnkey Credit Card Issuer Program

Highly Commended:

• Payhawk - Spend Management Solution - MDM Props

Winner:

• Currencycloud, Visa, Tribe Payments and eToro - Currencycloud, Visa and Tribe Payments, partnering with eToro to create a payments first: eToro Money

Highly Commended:

• Zenus Bank - Zenus Bank Visa Infinite
• Tyl by NatWest – Tyl by NatWest
• Corpay Cross-Border Solutions

Winner:

• Tink & PayPal - Tink and PayPal partner to expand open banking technology

Highly Commended:

• DBS - Digital Operation Transformation eDDA

Winner:

• Ecommpay - Anti-Fraud Graph Analysis

Winner:

• BPI - Virtual Assistant

Winner:

• B Generous - Revolutionizing Charitable Giving for Good - Donate Now, Pay Later™

Winner:

• Corpay Cross-Border Solutions

Highly Commended:

• Worldpay (UK) Limited, FIS Company - Worldpay: Rewiring Card Payments
• Pax2pay - Payments Optimisation Engine

Winner:

• Payit by NatWest – Payit by NatWest

Winner:

• Accertify

Highly Commended:

• PayU - Payor payments platform
• Ratio - BOOST and TRADE

Winner:

• Viamericas Corporation - ViaConnect - Remittance as a service (RaaS)

Highly Commended:

• UniTeller Financial Services - UniTeller Digital Link - Remittances as a Service

Winner:

• Transfermate - Global Accounts by TransferMate

Winner:

• PayNearMe - PayNearMe Smart Link

Winner:

• Hokodo - Digital Trade Credit and B2B Buy Now, Pay Later

Highly Commended:

• Enfuce Financial Services - Card as a Service
• Modulr - Modulr UK & European embedded payments platform

Winner:

• Sonovate - Funding the Flexible Future of Work

Highly Commended:

• Paramount Commerce - Paramount Commerce

Winner:

• Pismo

Winner:

• Etika

Highly Commended:

• ADP - Wisely by ADP
• Transact Campus Inc. - Transact Integrated Payments

Winner:

• Payhawk - Best Spend Management System

Winner:

• Yapily, Volt, and Token - Yapily x Volt x Token: Open banking for good #StandWithUkraine

Winner:

• Ecolytiq - Sustainability-as-a-Service® product suite

Highly Commended:

• Crezco - Crezco
• Brite Payments – Instant Payments and Payouts
• Mondu - Mondu BNPL for B2B

Winner:

• Car IQ - Car IQ Pay

Highly Commended:

• Payouts OS - PayQuicker's Payouts OS
• Marqeta - Marqeta's web push provisioning feature expands what's possible with tokenization
• Resistant AI - Identity Forensics

Winner:

• Form3 - Form3's Payment Platform

Winner:

• Binance - Binance Pay

Winner:

• Chargebacks911 - Chargebacks911

Winner:

• Socure - Socure ID+

Winner:

• Crezco - Crezco

Winner:

• Millennium BCP - iziBizi

Winner:

• Olegs Cernisevs, CTO, Blackcatcard by Papaya Ltd

Winner:

• Allica Bank - Paytech Team, Allica

Winner:

• Emily Watson, Senior Director, Payment Solutions & Growth, Flywire

Winner:

• Ravneet Shah, Chief Technology Officer, Allica Bank

Highly Commended:

• Lauren Martin, VP of Legal, Dwolla

Winner:

• Monica Eaton, Founder, Chargebacks911

Winner:

• Amanda Gourbault, Chief Revenue Officer, CompoSecure

Winner:

• Clear Junction

Winner:

• Transact Payments and Tymit - Tymit - Tymit Credit Card (https://tymit.com/credit/)

Winner:

• Pleo and Enfuce - Card as a Service

Winner:

• B4B Payments - Cards for Urgent Expense

Highly Commended:

• Monneo - Monneo: a complete payment ecosystem

Winner:

• KoinWorks - KoinWorks Super Financial App

Highly Commended:

• EedenBull - Q Business

Winner:

• Worldline - Live Shopping solution

Winner:

• Payit by NatWest - Payit by NatWest

Highly Commended:

• O-CITY - O-CITY, Tracom and NikoDigi Partnership in public transport contactless payment

Winner:

• Cal and Custodia - The Hybrid-Card - Personal and Business Spend in a Single Card

Highly Commended:

• Form3 and Barclays - Form3 and Barclays: European Scheme Participation Payments Solution

Winner:

• Radar Payments - Tippay by Radar Payments

Winner:

• Banking Circle - Banking Circle: AI-driven transaction monitoring

Highly Commended:

• NatWest & SurePay - Confirmation of Payee

Winner:

• Tink - Tink Console

Winner:

• Payactiv - Payactiv Livelihood Platform

Highly Commended:

• Paysafe - Paysafecash

Winner:

• PPS and ekko - PPS and ekko

Highly Commended:

• Isbank - Gelecege Orman (meaning Forest Forward)

Winner:

• PayBox - Earning Equality - Promoting equal wages during the 2022 International Women's day

Winner:

• PPS & Sainsbury's - PPS & Sainsbury's

Highly Commended:

• TSYS - TSYS Foresight Score powered by Featurespace

Winner:

• McLEAR - RingPay by McLEAR

Highly Commended:

• Cal and Custodia - The Hybrid-Card - Personal and Business Spend in a Single Card

Winner:

• Yapily - Yapily launches Bulk Payments service with Comma

Highly Commended:

• OneBanks Hub - OneBanks Hub

Winner:

• Sensedia - Elo QR Code Hub

Highly Commended:

• Plaid - Plaid’s Payment Initiation Service (PIS), an API for real-time payments via Open Banking
• HPS - PowerCARD

Winner:

• Crezco - Instant open banking payments

Highly Commended:

• Brighterion, a Mastercard Company - AI for Acquiring Fraud
• VisionLabs - LUNA POS Terminal

Winner:

• Nium - Nium cards issuance-as-a-service

Highly Commended:

• Currencycloud - Currencycloud Spark
• Finzly - FX STAR

Winner:

• Banking Circle - Banking Circle

Highly Commended:

• Airwallex - Airwallex
• Flywire - Flywire

Winner:

• Cardstream - Cardstream’s pioneering OPN®

Highly Commended:

• GoCardless - Success+
• Vesta Corporation - Payment Guarantee

Winner:

• Gr4vy - Gr4vy Cloud-Native Payment Orchestration Platform

Highly Commended:

• Volante Technologies - Cloud Payments Solution
• Aliaswire, Inc. - DirectBiller

Winner:

• Melissa Hentschel, Chief Delivery Officer, Onbe

Highly Commended:

• Sarit Beck Barkai, Chief Revenue Officer, PayBox
• Martina King, CEO, Featurespace

Winner:

• Dave Tonge, CTO, Moneyhub

Highly Commended:

• Chris Michael, Co-founder and CEO, Ozone

Winner:

• Dejan Roljić, CEO, Eligma d.o.o.

Highly Commended:

• David Lais, Co-founder and Chief Product Officer, ecolytiq GmbH

Winner:

• J.P. Morgan - Payments Are Eating The World

Highly Commended:

• 3S Money - 3S Money Growth in the Business Bank Challenger Space

Winner:

• BHMI and Payshop - Implementation of Concourse for Payshop’s Unified Payments Back-Office Solution

Highly Commended:

• TURKIYE IS BANKASI AS - Chargeback - Robotic Process Automation

Winner:

• BPI - One App All payments

Highly Commended:

• APEXX Global - APEXX Gateway

Winner:

• Modulr - Modulr gains deepest level of access to financial infrastructure in the UK

Highly Commended:

• BPI - iFactoring
• Mountain America Federal Credit Union - Balance Transfer Payoff
• QIWI - Contactless payment service based on SoftPOS technology

Winner:

• ClearBank - ClearBank Tide Business Banking (CTBB)

Highly Commended:

• Pollinate - Tyl by NatWest
• RBC - RBC PayEdge
• Weavr - Multi

Winner:

• Izicap - Izicap

Highly Commended:

• FIS - Premium Payback

Winner:

• Bank Hapoalim - bit one-stop-shop payments app

Highly Commended:

• Comviva & Airtel Uganda
• Caixa Geral de Depósitos - CAIXA - App Caixadirecta Digital Assistant

Winner:

• FreedomPay - Mashgin's Touchless Checkout System

Highly Commended:

• Marqeta - Digital banking partnership between Marqeta and Twisto, using Marqeta's European Digital Banking solution to support Twisto's mobile payments app
• O-CITY - O-CITY, Tracom and NikoDigi Partnership in public transport contactless payment

Winner:

• Comviva & Airtel Uganda - Airtel Money Uganda

Winner:

• ID R&D - Passive Facial Liveness Detection for Payface

Winner:

• Brighterion - AI for Credit Risk

Highly Commended:

• Fraugster - How Fraugster Helped A.S. Adventure (a European Outdoor Sporting Goods Retailer) Minimize Fraud With Advanced AI
• Kount, an Equifax Company - Kount's Identity Trust Platform
• Chargebacks911 - Chargebacks911

Winner:

• PayXpert LTD - PayXpress POS and mPOS

Highly Commended:

• OpenPayd - Swissborg

Winner:

• Branch - Branch's Employer Payments Platform Accelerates Payments to Empower Working Americans

Winner:

• DBS Bank - DBS PayLah! - Palm-Vein Authenticated Payments and QR Gift Cards

Highly Commended:

• Ziglu and Global Processing Services (GPS) - Ziglu and Global Processing Services (GPS)
• Banking Circle - Banking Circle
• ID R&D - Wittybots: Frictionless security for in-chat payments

Winner:

• VTB Bank (PJSC) - Paperfree Office

Winner:

• Icon Solutions - Icon Solutions

Winner:

• Nexi - Digital Solidarity Project (Pay-by-Link/Social Commerce/Mobile Pos/Micropayments), contactless education, charity donation

Highly Commended:

• Onbe (North Lane) - Inclusive Action for the City | Street Vendor Emergency Fund
• O-CITY - SME MarketPlace Safal Fasal

Winner:

• Plaid - Plaid Payment Initiation, Auth, Identity

Highly Commended:

• Nordea - Nordea Open Banking and Premium API's
• Trustly Group AB - Trustly Open Banking Payments
• VTB - VTB Open Banking Platform

Winner:

• Volante - A paytech solution that delivers successful and high-impact business outcomes relating to real-time payments infrastructure

Highly Commended:

• Fiserv - Payments Exchange: RTP

Winner:

• PPRO - PPRO´s service of building a local payments infrastructure for their partners & their merchants

Winner:

• DBS Bank - DBS PayLah! - Palm-Vein Authenticated Payments and QR Gift Cards

Highly Commended:

• Ziglu and Global Processing Services (GPS)
• Banking Circle
• ID R&D - Wittybots: Frictionless security for in-chat payments

Winner:

• Form3 Financial Cloud - Form3 Payments Platform

Highly Commended:

• Century Business Solutions and EBizCharge Cloud
• Volante Technologies - A payments solution that leverages cloud technologies to facilitate meaningful change to the way an organisation operates and delivers services.

Winner:

• Maria Nottingham, Managing Director of Compass Plus Great Britain and an Executive Vice President of the Compass Plus Group

Highly Commended:

• Louisa Murray, COO, Railsbank
• Aleksandra (Aleks) Gren, Executive Board Member, Fiserv Inc.

Winner:

• Neil Harris, Group Chief Commercial Officer, Global Processing Services (GPS)

Highly Commended:

• Abrar Ahmed Mir, Chief Innovation and Financial Inclusion Officer, HBL

Winner:

• AccessPay - The AccessPay Team

Highly Commended:

• Sber - SberPay team

Winner:

• SurePay - Confirmation of Payee

Winner:

• SBI Card and Comviva - SBI Card Pay

Highly Commended:

• Currensea and GPS - Currensea

Winner:

• EveryPay AS - Cloud-Based Payment Gateway Platform for Acquirers

Highly Commended:

• TietoEVRY - TietoEVRY's Payment Hub

Winner:

• Nets and OpenWay - Universal Digital Lending Platform

Highly Commended:

• DNB & Nordic API Gateway - DNB Mobile Bank

Winner:

• BPC - Safal Fasal agritech marketplace

Highly Commended:

• Crown Agents Bank - EMpowerFX

Winner:

• Bank Hapoalim - bit one-stop-shop payments app

Highly Commended:

• Citizens Bank - Citizens Bank Implements Real-Time Payments for Corporates

Winner:

• Flywire - Flywire's Global B2B Payment/Receivables Platform

Highly Commended:

• PayXpert - Payment Processing Solutions
• Currencycloud - Currencycloud Spark
• Thunes - Cross-border payments solutions

Winner:

• Banking Circle - Banking Circle Marketplaces

Winner:

• HPS - Building a National Interoperable Mobile Payment Program for Saudi Payments

Winner:

• CaixaBank S.A. - Caixabank Pay

Highly Commended:

• SmartNet and OpenWay - SmartPay mobile wallet for financial inclusion in Vietnam

Winner:

• Token.io - Token Pay™, Payments at the Speed of Commerce

Highly Commended:

• Salt Edge - Open Banking Gateway
• Konsentus - Konsentus Verify

Winner:

• QIWI, Guru Taxi and Tochka bank - Taxiaggregator, the mass payment service

Highly Commended:

• Banking Circle and Cardstream - Cardstream lending service

Winner:

• Their Perfect Gift - Their Perfect Gift, issued by Wirecard Card Solutions

Highly Commended:

• AsiaHawala and Comviva - AsiaHawala powered by mobiquity® Money

Winner:

• BHMI - Concourse Financial Software Suite

Highly Commended:

• Fiserv - Enterprise Payments: RTP

Winner:

• TypingDNA - TypingDNA Authentication API

Highly Commended:

• ANNA - ANNA, issued by Wirecard Card Solutions

Winner:

• Sberbank - B2B-subscriptions

Highly Commended:

• Bottomline - PTX

Winner:

• ComplyAdvantage - AML Screening and Monitoring

Highly Commended:

• Brighterion - Brighterion
• Kount - Kount's Identity Trust Global Network

Winner:

• Bank Hapoalim - bit

Winner:

• RedCompass - RedCompass RedFlag Accelerator

Highly Commended:

• DCR Strategies Inc. - DCR Strategies Inc. Partnership with Timea's Cause
• Netspend - Netspend Cares

Winner:

• Rossana Thomas - Vice President of Product Management & Enterprise Payments Platform, Fiserv

Highly Commended:

• Mike Massaro - CEO, Flywire

Winner:

• Currensea and GPS - Currensea

Highly Commended:

• GrainChain - GrainChain

Winner:

• Agne Selemonaite - Deputy CEO, ConnectPay

Highly Commended:

• Santosh Tripathy - Practice Lead Digital Payments, SmartStream Technologies

Winner:

• Talbott Roche, CEO and President, Blackhawk Network

Highly Commended:

• Monica Eaton-Cardone, CIO and Co-Founder, Chargebacks911

Winner:

• Form3 Financial Cloud

Winner:
Pannovate

Highly Commended:
HPS
Batelco
AFS & Comviva
Israel Discount Bank

Winner:
McLEAR

Highly Commended:
Green Dot
Sberbank for SMEs

Winner:
Emailage

Highly Commended:
Fundbox

Winner:
Token

Highly Commended:
Bank Hapoalim
OP Financial Group

Winner:
ANNA

Highly Commended:
Soldo
SWIFT

Winner:
Ecocash, Steward Bank & Comviva

Highly Commended:
Sberbank

Winner:
Tandem Bank

Highly Commended:
Curve

Winner:
Sberbank

Winner:
Travel Welfare

Highly Commended:
Monese

Winner:
Streeva

Highly Commended:
Fiserv
Pennies

Winner:
Christian Chmiel

Highly Commended:
Monica Eaton-Cardone

Winner:
Alex Barseghian

Highly Commended:
Maxime de Nanclas

Winner:
Melissa McKendry

Highly Commended:
Tracy Cray

Winner:
BPI

Highly Commended:
Vocalink

Winner:
ACI Worldwide

Highly Commended:
Fiserv

Winner:
Worldline

Highly Commended:
Volante

Winner:
OpenWay

Highly Commended:
Form3

Winner:
Nordea Bank with Nordea Wallet

Highly commended:
National Bank of Greece

Winner:
CFT Group with Duesday

Highly commended:
EBANX SA

Winner:
Saxo Payments Banking Circle with their Banking Circle Virtual IBAN

Highly commended:
Shieldpay & Barclays

Winner:
PaySend with PaySend Global Account

Highly commended:
Bankwest Halo

Winner:
CashStar Product eGifting with Johnston & Murphy

Highly commended:
ViaBill Try Before You Buy

Winner:
Glint issued by Wirecard

Highly commended:
Hyperwallet

Winner:
Vocalink Prompt Pay

Highly commended:
Auka’s white label mobile payments platform

Winner:
Contis & Wirex

Highly commended:
Flux, Barclaycard & Eat

Winner:
GoodBox

Highly commended:
Netspend for its Netspend Scholarship

Winner:
Wirecard

Winner:
Barclaycard

Winner:
Nordea Open Banking Team

Highly commended:
Nexi Payments PayTech Team

Winner:
Andrea Dunlop, CEO, Acquiring and Card Solutions, PaySafe Group

Highly commended:
Julie Fergerson, Senior Vice-President, Industry Solutions, Ethoca

Winner:
Donna Embry, Chief Payments Officer, Payment Alliance International

Highly commended:
Craig Glendenning, Chief Technology Officer, Bluechain