Dinner & Ceremony

29 April 2021

JW Marriott Grosvenor House
Park Lane London

Congratulations to all the Winners & Finalists at TCPA2016

Best Practice, Excellence and Innovation rewarded at The Card & Payments Awards 2016

Attended by almost 1,200 industry professionals each year, and supported by industry leaders the 11th edition of The Card & Payments Awards has just come to a close. Recognising best practice, excellence and innovation the winners represent everything that is best in a rapidly evolving industry.

Leading industry organisation TSYS International are the Prime Sponsor of these important industry awards hosted by comedian Simon Evans followed a black tie dinner at The Grosvenor House Hotel. 

The event raised valuable funds for The Card & Payments Awards-nominated charity, Teenage Cancer Trust with a charity raffle supported by Ingenico, Silver Sponsor and Payments Partner coupled with proceeds from advertising sales raising a total of £30,000

A wide range of companies from across the card and payments industry were up for a sought after winners trophy. The winners of the awards were spread throughout  the industry and reflected the full range of the industry.

American Express won Best Design of the Year for its Mobile App. In a very competitive category American Express’s intelligent use of design to drive really excellent performance for its new mobile app and address previous issues was extremely impressive. Amex's User Interface appraisal resulted in creation of an Industry-leading experience. The new App includes  a  timeline unifying transaction activity and contextual and targeted content .The Mobile App is enjoying an all-time-high App Store rating and App Store comments have been highly positive with customers highlighting the improved design & functionality.

American Express also triumphed in Best Marketing Campaign of the Year for its Amex Offers Campaign. The judges were impressed by the great use of the AmEx closed loop to drive relevant merchant offers in a fully integrated campaign accompanied by an upbeat TV advert that has produced great results for Card holders and merchants alike.

Lloyds Banking Group picked up Best Achievement in Customer Service for its Putting the Customer First Programme – a root and branch review of service in its Consumer and Commerical Cards divisions. Lloyds Banking Group has transformed its customers' perception of card services, both consumer and corporate. The aim of the transformation project was ambitious : to 'fix the pain points' and to be Number One for Customer service .  The vision was to reduce complaints, increase Net Promoter Scores and the results are impressive on both fronts. This is a back to back win for Lloyds Banking Group as they also won this category in 2015.

Lloyds Bank also won Best Credit Card Product of the Year for its Low Rate Credit Card.Lloyds Bank wanted to develop a card for those who just want a guaranteed low interest rate which does not change at the end of the promotional period. The panel felt that with the New Low Rate Credit Card Lloyds Bank has stepped up in every way and is offering an attractive all round proposition to cardholders. The product is performing very well.

Best Technology Initiative of the Year went to Bottomline Technologies for its delivery ofACH payment rails to the Prepaid Marketwhich has brought “Banking lite“capability” to the underbanked.  

Best Loyalty or Benefits Programme of the Year went to Worldpay for Worldpay Benefits Club which is a programme specially designed to support SME customers. Worldpay won a second for Best Retailer Achievement in Payments in conjunction with Monsoon Accessorize for the Worldpay Total Mobile initiative which is transforming the instore payment experience for shoppers.

Best Initiative in Mobile Payments went to Vodafone, Carta Worldwide and Raphaels Bank for The New Vodafone Wallet.   The Vodafone submission eloquently articulated a well-conceived, developed and rolled out consumer proposition offering real consumer choice and was a great example of the progress made due to tokenisation. 

MBNA won the Best CSR Programme for its NumberCruncherz programme in association with long term partner Sale Sharks and pfeg. The well delivered programme is focussed on the North West, the home to MBNA, and it is a great initiative from a company that is interested in promoting financial numeracy. MBNA also picked up a Highly Commended in Best Design of the Year for The WWF biodegradeable Credit Card.

Kalixa Payments Group won the Best Industry Innovation of the Year category of the Year for its KiTTi product. The judges liked the innovation of the pre-funded approach that KiTTi offers coupled with the functionality of an online app. The judges agreed that this money management app is likely to resonate well with the ‘What’s App generation’ and the product has a multitude of uses which takes away the pain of collecting contributions for group funded activity. A Highly Commended was awarded in this category to NewDay for its collaborative work with VisualDNA  which has provided a very innovative approach to credit scoring.

Best Achievement in TCF was awarded to Nationwide Building Society for its “Transparency” programme . Transparency is Nationwide’s latest programme to make charges and fees fairer and easier to understand, driven by fairness and not commercial considerations.

Nationwide  was also on stage to collect Best Debit Card Programme of the Year for its FlexOne product  - personal current account for 11 – 17 year olds Responding to research insight, Nationwide made FlexOne completely fee-free at home and abroad and provide its customers with a variety of financial education. The whole proposition has been delivered in an age appropriate manner and results have been impressive and FlexOne . The judges commented that it is an impressive account for its target audience: well researched , well executedand Nationwide seems to be head and shoulders above the rest

Santander picked up Best Security or Anti-Fraud Development for its Santander with Ethoca submission which demonstrated strong results from a solution which addresses the problem of CNP fraud for card issuers and retailers alike through collaboration.

Best Alternative or Digital Payments Programme was won by PayPal for PayPal Credit. PayPal Credit helps merchants sell more by making it easy for them to offer financing options direct to their customers during checkout. In this category a HIghly Commended was awarded to Black Horse for its SignIt programme

The Card and Payments Awards were also delighted to  launch a new Award for 2016. Best Payments Industry Newcomer. The judges were very impressed by this category and the finalists all have very interesting and highly promising propositions. The category was won by truRating who offer faster, smarter consumer insight through Point of Sale ratingThe judges felt that with their compellingly simple solution which has been well executed and is gaining traction , truRating is a very worthy winner of this new and important category.

Best Prepaid Product of the Year was awarded to Pockit and Wirecard Card Solutions for Pockit Prepaid MasterCard. The judges felt that it is good to see continuing innovation in the prepaid space. Pockit’s fee structure is transparent and customer friendly - a fairly priced, easy to understand 99p pricing strategy. The Pockit submission demonstrated some great metrics and was the stand out entry amongst a strong set of  finalists. In this category a Highly Commended also went to Prepaid Financial Services for its Prepaid MasterCard for Integrated Payments.

Best Business Card Programme was won by Suits Me and Contis Group for the Suits Me Prepaid Debit Card The Judges were impressed by this card programme which provides an innovative solution for businesses employing temporary workers and a benefits rich product for cardholders.  The judges felt that this product addresses a sector that is difficult to provide products to.  It meets a need and solves a problem. It is innovative and provides a good business solution for agencies whilst also serving the end users who are often underbanked and temporary workers. 

There were two special Awards. The Annual Industry Achievement of the Year was awarded to Colm Lyon. At just 52, Colm has already created a great legacy as an outstanding leader in payment. Colm built Realex Payments to become one of Europe’s leading online payment gateways with a superb reputation for customer service excellence. Colm’s contributions to the industry have been wide-spread, chairing a number of industry and advisory boards including the Irish Government’s Industry Advisory Group for Financial Services and the Internet Growth Acceleration Programme to provide education and learning for start ups. His latest venture Fire Financial Services demonstrates his mission is to constantly innovate by making payments more integrated, accessible and safe. Offering consumer and business payment accounts, branded as PayWithFire, it aims to transform the way people and businesses pay and are paid. A passionate leader who continues to inspire. The judging panel feels strongly that he has created a lot of firsts and really helped to push the industry forward.

The judges also made a special eponymously named Judges Award to Virgin Money Cards Business. The idea was to provide recognition for a significant initiative not necessarily addressed by other categories.  The Judges wanted to recognise the development of its cards business which has been been, in their opinion, good for the industry. The judges were particularly impressed that Virgin Money has created a new payments business under the Virgin brand in such a short period.  Since doing so Virgin have gone from strength to strength, with engaging and disruptive campaigns and products being delivered in a very Virgin way for their customers. Virgin Money Cards has really shaken up the credit card market and the judging panel felt that their achievements across a range of initiatives and disciplines over the last 12 months merited this special recognition! 


A full list of winners is listed below:

  • Best Technology Initiative of the Year – Bottomline Technologies
  • Best Benefits or Loyalty Programme of the Year – Worldpay
  • Best Security or Anti-Fraud Development – Santander
  • Best CSR Programme – MBNA
  • Best Achievement in Mobile Payments – Vodafone with Carta Worldwide and Raphaels Bank
  • Best Achievement in TCF – Nationwide Building Society
  • Best Alternative or Digital Payments Programme – PayPal  ( Highly Commended : BlackHorse )
  • Best Marketing Campaign of the Year – American Express
  • Best Business Card Programme – Suits Me and Contis Group
  • Best Achievement in Customer Service – Lloyds Banking Group
  • Best Payments Industry Newcomer – truRating
  • Industry Achievement of the Year – Colm Lyon
  • Best Design of the Year – American Express ( Highly Commended : Virgin Money & MBNA)
  • Best Retailer Achievement in Payments – Monsoon Accessorize with Worldpay
  • Best Industry Innovation of the Year – Kalixa Payments Group ( Highly Commended : NewDay)
  • Best Prepaid Product of the Year - Pockit and Wirecard Card Solutions ( Highly Commended : Prepaid Financial Services)
  • Best Debit Card Programme of the Year – Nationwide Building Society
  • Best Credit Card Product of the Year – Lloyds Bank
  • The Judges Award – Virgin Money


The independent judging panel of industry experts was chaired by Roger Alexander, Director of Accourt and Non Executive Director . The judges were highly complimentary of the standard and range of entries from the industry and feel that this is indicative of the cachet that being shortlisted and indeed winning an Award can bring to individuals, teams and companies. It is good for the industry to be proud of its achievements, innovations and practices.

Michael Harty Managing Director of The Card and Payments Awards comments: ‘We are delighted that The Card & Payments Awards have produced such great winners and finalists this year. The event continues to showcase best practice, excellence and innovation in a variety of areas in the industry and all of the organisations involved show their leadership by continuing to support and participate in this important industry event. What we see here each year and again this year is a new benchmark for excellence - the ultimate winner of these awards is the consumer."

The Card & Payments Awards are organised with backing from prime sponsor TSYS and silver sponsor Ingenico.

Award category sponsors are American Express, Diners Club International, FICO, First Data, Gemalto, Giesecke & Devrient, Insignia Cards, MasterCard, and Visa. The Reception was sponsored by VocaLink, the After–Show party was sponsored by Contis Group 

The entry process for The Card & Payments Awards 2017 will be launched in June 2016.

Photography of the evening is available on request. A winners supplement is available on the website and a full winners magazine will be distributed in March 2016. 

For further enquiries, please contact:

The Card and Payments Awards

Tel: 020 3755 3292

The Card & Payments Awards aim to encourage best practice in the UK and Irish card and payment industries by recognising the achievements and successes of companies and individuals operating within them. The awards acknowledge organisations who advocate responsible customer acquisition, clarity of information and who support the community around them. Other award categories focus on technological developments, product design, innovation and marketing.

The 2016 awards event, sponsored by TSYS, was held on Thursday 4th February 2016 at The Grosvenor House Hotel in London.

Details of the Winners and Finalists are available on The Card & Payments Awards web site: www.tcpa2018.dev



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