Glittering prizes at The Card & Payments 2014

Winners and Finalists Celebrated at 9th Annual Card & Payments Awards

Some 1350 senior figures from the UK and Irish card and payments industries attended the ninth annual Card & Payments Awards to celebrate the finalists and winners across the categories.

The evening, held at The Grosvenor House Hotel and hosted by comedian Milton Jones once again was a great occasion for almost all major players of the industry to come together to acknowledge and celebrate customer service, product innovation and general excellence.

The event raised valuable funds for The Card & Payments Awards nominated charity, Mencap.

A wide range of quality entries were received from all major players and the winners of the awards came from all segments of the industry.

Once again Barclays had a strong evening at the Awards with Barclays winning Best Security or Anti-fraud Development for its fraud alert Text message service 24/7 worldwide for debit card customers. HSBC picked up a Highly Commended in this category for its ‘Groundbreaking Card Not Present solution ’fraud initiative with Arcot, a CA Technologies company.

Barclays also shared a win with Barclaycard for their Better Together entry in Best Card Cross Selling Programme of the Year. The programme is focussed on new to bank customers who are often new to credit and provides a responsible way of allowing customers to build their credit profile by offering current account customers a Barclaycard Freedom Rewards credit Card as well. Barclaycard reaches customers in a new previously unreached segment and Barclays have enjoyed sustained improvement in account openings due to the compelling nature of the offer.

Barclaycard itself had a haul of 3 further awards. Barclaycard picked up Best CRM Programme for its data driven Customer Retention Programme. Through its focused customer retention programme, Barclaycard has doubled its save rate at the point of closure and reduced portfolio attrition to a record low in 2013.

Barclaycard also dominated the Best Card Marketing Campaign of the Year taking both a Highly Commended for its Contactless London campaign and taking the award itself with its “Toys” campaign. “Toys” was a highly integrated campaign that positioned Barclaycard as the provider of easier ways to pay and the leader in mobile payments technology. By engaging with consumers across multiple physical and virtual touch-points, Barclaycard was able to drive significant leadership for brand perception and contactless awareness.

Lastly, Barclaycard picked up the Award for Best Achievement in Customer Service for its “Making the Basics Great” Improvement Strategy which has comprised more than 75 initiatives which have really addressed customer points of frustration and delivered very material and impressive improvement to customer service.

The other company to haul more than one award was Capital One with wins in the Best Affinity or Co-branded Card Programme for Vauxhall Rewards, a credit card launched with Vauxhall, and a first for the automotive sector, to target consumers interested in a Vauxhall card with a very compelling maximum £1500 off the price of a new car.

Capital One also triumphed with its Aspire World Travel product in Best New Credit Card Product of the Year. Aspire World Travel uniquely combines zero fees on foreign exchange transactions and also provides cashback on purchases whilst in the UK – a winner both at home and abroad.

Another winning product that also catered for overseas travel was the ISIC Cashcard from STA Travel and IDT Financial Services with Tuxedo Money . The product picked up Best New Prepaid Card Product of the Year. STA Travel is a leading travel provider for travelling students and a licence holder for ISIC card. The combination of an Identity card and payment method is compelling and STA and Tuxedo have enjoyed good success not least due to a very strong customer journey and easy with which the card can be purchased and loaded in store. IDT Financial Services also picked up a Highly Commended in this category as issuer of Payment Card Solution’s Bread4CashCard Prepaid Card Solution for the Scrap Metals Industry.

Coutts & Co picked up Best Card Design of the Year for its recently re-launched flag ship card, Silk Card. Featuring the iconic Chinese wallpaper that hangs on the wall at Coutts & Co’s head office, the judges felt that Silk Card really pushed the boundaries of premium card design whilst maintaining traditions and accurately reflecting brand values. In this category MBNA and Emirates Skywards were awarded a highly commended for the design of Emirates Skywards Credit Card Account.

Royal Bank of Scotland Group was awarded winner of Best Card Benefits Programme of the Year for its Cashback Plus ‘ Feel Rewarded everyday’ programme on its Visa Debit card. Customers simply register for Cashback Plus and can immediately start earning cashback at a range of participating retailers. Large numbers of customers have activated and are now earning rewards, delivering value for customers and merchants alike.

In the Best Alternative Payments Programme category a partnership between Citi and PayPoint took the award for the Simple Payment service a solution for the UK’s Department for Work and Pensions who needed an innovative closed-loop application to deliver benefit disbursements to beneficiaries without bank or Post Office card accounts. Separately also PayPoint picked up a Highly Commended in this category for its real time voucher generation portal.

Another new winner at the Awards was Ikano Bank. Its entry Cheese Matters in the Best CSR Programme detailed the very valuable work being done in Nottingham to improve financial education amongst teenagers. Delivered by volunteers this programme uses a court room style scenario to improve financial knowledge. Ikano Bank’s involvement in this programme is one of a significant number of activities which make it a have a very positive footprint in the local community. American Express was awarded a Highly Commended for its continued work with Albion in the Community.

American Express also took a Highly Commended in the Best Business Card Programme for the refresh of its Corporate Gold and Platinum cards with a range of features to make business travel more convenient and productive for employees. The overall winner of the category was Advanced Payments Solutions for its Cashplus Business Card Programme which offers an interesting bridging between a prepaid card and a current account and targets small business and governments. A previous winner of this Award, the judges felt that this proposition continued to innovate and perform well within its target markets.

AirPlus International won Best Overseas Payments Programme for its entry detailing its performance in the Chinese market where it is taking a market leading position as Business Travel Payments Provider. In 2012, AirPlus International launched a three-year strategy to extend their early leadership position in China. Previously serving multinationals based in Beijing and Shanghai, AirPlus International has moved into new regions and is signing more Chinese private and state-owned enterprises. AirPlus International has also invested significantly in developing systems and process bespoke to the complex requirements of the Chinese market.

Nationwide won Most Responsible Credit Card Lending Practices for an impressive seventh year in the row, reinforcing its reputation of really championing responsible lending but at the same time driving impressive business performance.

Nationwide also won a highly commended for Best New Debit Card Programme of the Year for its strongly performing FlexPlus account. The winner of this category was KBC Bank who launched the first new current account in Ireland for five years. A MasterCard Debit card sits within Ireland’s first dedicated “cashless” current account. Aligned to the Irish government’s National Payments Plan, KBC products are more economical than competitors.

EE won Best Technology Initiative of the Year for its Pay Phones are Back! Entry for its Cash on Tap product which was launched in summer 2013 after an 18 month technology led collaboration. Cash on Tap allow EE’s Cash on Tap (CoT) is the first own-brand, prepaid contactless NFC payments solution to be delivered by a UK mobile network operator, available across a number of multiple devices.

Reflecting the increasing importance of the merchant within the payments ecosystem, merchant acquirers triumphed in a number of key categories. WorldPay Zinc picked up Best Initiative in Mobile Payments for its payments proposition for micro businesses which impressed the judges by the comprehensive way WorldPay had identified the business opportunity offered up by this segment.

WorldPay also won best Merchant Acquiring Initiative for Global Shopper. With this proposition, WorldPay is helping retailers use payment technology to improve customer service for international consumers, build understanding of their buying patterns, and their revenue potential. The Global Shopper proposition offers convenience and transparency by allowing customers to shop in their local currency at the best rate available and includes bespoke terminals for China UnionPay, The product also provides convenient tax free refund process . Over 300 retailers are now on board benefitting from increased sales shared commission payments.

Global Payments won Best Industry Innovation of the Year for GlobalPay Now – a proposition which is revolutionising the way customers pay in the hospitality sector by using Global POS Link to connect standalone terminals to the merchants’ point of sale (POS) tills. This speeds up paying, makes reconciling takings easier and delivers the benefits of large integrated payment systems without the cost.

Each year The Card & Payments Awards judging award an Industry Personality of the Year. This year for the first time since 2006 the award was presented to a team – the TfL Future Ticketing Project Team for the game changing work they are bringing about with contactless payments within London. The Future Ticketing Project Team at Transport for London are visionaries who are quietly merging payments with ticketing. The impact of their work will be felt across the world. The ambition of this group – at the world’s largest transport authority – is immense – for TfL journeys to be bought with any EMV contactless chip card or device. The award was collected by TfL Customer Experience Director, Shashi Verma and Mike Tuckett (Head of Transformation Delivery).

A Lifetime Achievement Award was awarded to Ashley Head for his contribution to the card and payments industry across his three-part career spanning over 40 years: first in the corporate world, then moving into the entrepreneurial world – successfully launching his own company – and third serving our industry as an investor, board member and mentor to numerous start-up organisations. The second phase of his career helped shape the industry in terms of risk management and fraud prevention in the eCommerce space. At the time of rapid growth in eCommerce, Ashley founded a company called ProcCyber, a payment-processing provider to the online gaming markets. He grew the business from nil to over £60 million in turnover and merged with Datacash in 2006, where he assumed the role of Executive Chairman. He led the online payments business to a market leading position amidst numerous competitors over the next four years and sold it MasterCard in 2010 in a transaction valued at over £353 million. MasterCard said the deal would increase its ability to process payments online, especially in Europe and emerging markets.

A full list of winners is listed below:

Best Card Design of the Year

sponsored by Gemalto
Winner Coutts & Co
Highly Commended Emirates Skywards and MBNA

Best Card Benefits Programme of the Year

sponsored by Affinion International
Winner Royal Bank of Scotland Group

Best Card Cross Selling Cross Selling Programme of the Year
Winner Barclaycard

Best Affinity or Co-Branded Card Programme sponsored by comparethemarket.com
Winner Capital One & Vauxhall Rewards

Best CSR Programme sponsored by Insignia Cards
Winner Ikano Bank
Highly Commended American Express

Best New Prepaid Card Product of the Year sponsored by Be
Winner STA & IDT Financial Services with Tuxedo Money
Highly Commended Payment Card Solutions & IDT Financial Services

Best CRM Programme
Winner Barclaycard

Best Overseas Payments Programme sponsored by AXA Travel Insurance
Winner AirPlus International

Best Security or Anti-Fraud Development sponsored by FICO
Winner Barclays
Highly Commended HSBC

Best Merchant Acquiring Initiative sponsored by Diners Club International
Winner WorldPay

Best Business Card Programme sponsored by TSYS Managed Services
Winner Advanced Payment Solutions
Highly Commended American Express

Most Responsible Credit Card Lending Practices sponsored by Visa
Winner Nationwide

Best Alternative Payments Programme
Winner Citi & PayPoint
Highly Commended PayPoint

Lifetime Achievement Award sponsored by The Ashton Partnership
Winner Ashley Head

Best Achievement in Customer Service sponsored by MasterCard
Winner Barclaycard

Best Technology Initiative of the Year sponsored by Ingenico
Winner EE

Best New Debit Card Programme of the Year
Winner KBC Bank

Best Card Marketing Campaign of the Year sponsored by FIS
Winner Barclaycard

Best New Credit Card Product of the Year sponsored by Aspire Lifestyles
Winner Capital One

Best Initiative in Mobile Payments sponsored by Giesecke & Devrient
Winner WorldPay Zinc

Best Industry Innovation of the Year sponsored by First Data
Winner Global Payments

Industry Personality of the Year sponsored by American Express
Winner TfL Future Ticketing Project Team

The independent judging panel of industry experts was chaired by Moneyfacts Group Chairman, John Woods.

Michael Harty , Co-founder and Managing Director of Card Partnerships, organisers of the Awards, “ We are of course delighted that the event continues to be a great showcase for innovation, customer service and best practice as well as the ‘go to’ networking event for UK & Irish payments industry. It is particularly heartening to have had such a great event – a fitting tribute to Martin Fielding, co founder of the Awards who sadly passed away in November 2013’

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

Award category sponsors are Affinion International, American Express, Aspire Lifestyles, AXA Travel Insurance, Be, comparethemarket.com, Diners Club International, FICO, First Data, FIS, Gemalto, Giesecke & Devrient, Insignia Cards, MasterCard, The Ashton Partnership, TSYS Managed Services EMEA 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 2015 will be launched in July 2014.

Photography of the evening is available on request. The Card & Payments Awards will partner with C&M Publications to issue a comprehensive award Winner’s supplement including event photos as the centrepiece of a special edition of Card & Payments World magazine to be mailed in March.

For further enquiries, please contact:
Kirsty Perkins / Michael Harty
The Card and Payments Awards
Tel: 020 7812 6488

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 2014 awards event, sponsored by TSYS, was held on Thursday 6th February 2014 at The Grosvenor House Hotel in London.

Award Sponsors