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2019 Winners & Finalists

Best Industry Innovation of the Year

Category Winner: Ikano Bank

The UK’s market leading home renewables consumer protection scheme

Finalists

  • Amazon Pay - Amazon Pay with Alexa Skills for Virgin Trains
  • ClearBank - ClearBank
  • Contis - Contis & Wirex
  • Featurespace - Featurespace's best in class innovation: multi-tenancy in fraud prevention
  • Glint - Glint, issued by Wirecard
  • Ikano Bank - The UK’s market leading home renewables consumer protection scheme
  • KBC Bank Ireland - Revolutionary Digital Lost & Stolen Card Replacement
Highly Commended:
Amazon Pay-Amazon Pay with Alexa Skills for Virgin Trains
Category Sponsor: First Data

Best Initiative from an SME

Category Winner: Acceptacard

PayaCharity - Contactless Donations

Finalists

  • Acceptacard - PayaCharity - Contactless Donations
  • Cashplus - An industry-first trio of business-ready APIs from Cashplus enhance customer service and speed payments for UK SMEs
  • Glint - Glint

Best Achievement in Customer Service

Category Winner: Lloyds Banking Group

Lloyds Banking Group's Proactive Customer Service

Finalists

  • American Express - Merchant-led, Data-driven Relationship Management
  • Barclaycard - Barclaycard Payment Solutions – Proactive Security Service (in partnership with Sysnet)
  • Barclays - Barclays Mobile Cards Hub
  • Lloyds Banking Group - Lloyds Banking Group's Proactive Customer Service
  • NewDay - NewDay Customer feedback programme for continuous improvement
  • Sage Pay - Sage Pay Customer Service – Delivering Outstanding Service 24/7/365
  • SmartDebit - Improving standards in the face of change
Highly Commended:
NewDay-NewDay Customer feedback programme for continuous improvement

Best Alternative or Digital Payments Programme

Category Winner: MuchBetter

MuchBetter, issued by Wirecard

Finalists

  • Banking Circle - Banking Circle Virtual IBAN – a genuine game-changer for the payments marketplace
  • Checkout.com - Accept More, with Checkout.com
  • MuchBetter - MuchBetter, issued by Wirecard
  • PPRO - PPRO: the power behind the globalisation of e-commerce

Best Technology Initiative of the Year

Category Winner: Ethoca

Ethoca and Capital One UK Collaborate to Ensure Exceptional Purchase Experiences for Cardholders

Finalists

  • Banking Circle - Banking Circle Virtual IBAN – a genuine game-changer for the payments marketplace
  • Cashplus - Cashplus makes bulk payments faster, cheaper and easier via an innovative Payments API and Portal
  • Curve - Curve, issued by Wirecard
  • Divido - Divido - building the world's largest platform for point-of-sale finance
  • Ethoca - Ethoca and Capital One UK Collaborate to Ensure Exceptional Purchase Experiences for Cardholders
  • Lloyds Banking Group - Transforming the in-branch experience
  • Nationwide Building Society - Nationwide/TSYS Robotic Process Automation
  • Sage - Sage Business Cloud Invoice Payments
Category Sponsor: Ingenico Group

Changing lives in the Community

Category Winner: Capital One

Changing Futures – Capital One and humanutopia

Finalists

  • Acceptacard - PayaCharity - Contactless Donations
  • American Express - Changing Lives in the Sussex Community
  • American Express - Shop Small
  • Avantcard - Avantcard, positively impacting the community in which we live and work
  • Capital One - Changing Futures – Capital One and humanutopia
  • Mastercard - Mastercard Feed Their Future Initiative

Best Service to Business

Category Winner: Soldo

The Complete Spend Management Solution, Built for Business

Finalists

  • Allstar Business Solutions - Allstar Plus VISA card from Allstar Business Solutions
  • American Express - Growing International spend for American Express Merchants in the UK
  • Barclaycard Commercial Payments - Payment Strategy Consulting by Barclaycard
  • Checkout.com - Accept More, with Checkout.com
  • Handepay - Cost-effective pricing and excellent customer support enables businesses of all sizes to stay competitive
  • Lloyds Banking Group - Lloyds Banking Group’s Partner Bank Solution
  • National Westminster Bank - ClearSpend: mobile & desktop application for Commercial Card customers
  • Soldo - The Complete Spend Management Solution, Built for Business
Category Sponsor: Discover Global Network

Best Debit Card Programme of the Year

Category Winner: Allied Irish Banks (AIB)

AIB Everyday Rewards

Finalists

  • Allied Irish Banks (AIB) - AIB Everyday Rewards
  • Curve - Curve, issued by Wirecard
  • Royal Bank of Scotland / NatWest - My Rewards Programme
  • Starling Bank - Vertical Debit Cards

Best Consumer Credit Card or Credit Facility

Category Winner: NewDay

Amazon Platinum Mastercard

Finalists

  • American Express - American Express® Preferred Rewards Gold Credit Card
  • Lloyds Banking Group - MBNA Horizon Credit Card
  • M&S Bank - Not just any credit card, the M&S Credit Card
  • NewDay - Amazon Platinum Mastercard
  • PayPal UK - PayPal Credit - credit without the plastic!
  • Royal Bank of Scotland / NatWest - Reward and Reward Black Credit Card
Category Sponsor: VISA

Best Design of the Year

Category Winner: Capital One

Collections Plans in Mobile App

Finalists

  • American Express - American Express® App
  • ANNA Money - ANNA Money, issued by Wirecard
  • Capital One - Collections Plans in Mobile App
  • Coventry Building Society - Coventry Building Society’s Lady Godiva Cash Card
  • Starling Bank - Vertical Debit Cards
  • Virgin Money - Virgin Atlantic Airways Credit Cards
Category Sponsor: Insignia

Best Payments Industry Newcomer

Category Winner: Token

Open Banking with Token

Finalists

  • Arro Money - Arro Money by Marq Millions
  • ClearBank - ClearBank
  • Konsentus - Konsentus; confidence in PSD2 open banking
  • MuchBetter - MuchBetter
  • Token - Open Banking with Token
Category Sponsor: Mastercard

Best Achievement in Retail Payments

Category Winner: Divido

Divido - building the world's largest platform for point-of-sale finance

Finalists

  • AIB Merchant Services - #EPOnTap, the better way to pay, with Clover, as Live Nation delivers contactless festival experience
  • American Express - Merchant-led, Data-driven Relationship Management
  • American Express - Shop Small
  • Divido - Divido - building the world's largest platform for point-of-sale finance
  • Tesco Bank - Tesco Pay+: simple, convenient and rewarding payments at Tesco

Industry Achievement Award

Category Winner: Martina King

Category Sponsor: American Express

Best Initiative in Mobile Payments

Category Winner: National Westminster Bank

ClearSpend: mobile & desktop application for Commercial Card customers

Finalists

  • Allied Irish Banks (AIB) - Best Initiative in Mobile Banking - Apple Pay integration with AIB Mobile Banking App
  • Barclays - Barclays Mobile Cards Hub
  • Conferma - Conferma Pay
  • Contis - Engage & Samsung Pay
  • National Westminster Bank - ClearSpend: mobile & desktop application for Commercial Card customers
  • Tesco Bank - Tesco Pay+: simple, convenient and rewarding payments at Tesco
Category Sponsor: TSYS

Social Inclusion in Financial Services

Category Winner: ClearScore

ClearScore - Coaching

Finalists

  • Capital One - Capital One & Starter Card
  • Capital One - Collections Plans in Mobile App
  • ClearScore - ClearScore - Coaching
  • Contis - Engage & Samsung Pay
  • The Change Account - The Change Account, issued by Wirecard

Best Security or Anti-Fraud Development

Category Winner: Vocalink Analytics

Corporate Fraud Insights – Vocalink Analytics

Finalists

  • Accertify, an American Express Company - Automating merchant collaboration in CNP fraud
  • Argus Information & Advisory Services - Malicious Spending Fraud Detection Models
  • CA Technologies - Santander UK Harmonises Authentication and Authorisation with CA Technologies
  • Capital One UK - Capital One UK & Synectics Solutions - Implementation of the Precision Machine Learning Model for Application Fraud
  • ECOMMPAY - FraudStop 2.0 – pairing automated risk management with the human factor
  • Lloyds Bank Cardnet - Protecting consumers: calling time on PCI non-compliance
  • MuchBetter - MuchBetter, issued by Wirecard
  • The Chargeback Company - The Chargeback Company: powering over £1,065,000,000 in revenue recovery
  • Vocalink Analytics - Corporate Fraud Insights – Vocalink Analytics
Category Sponsor: FICO

Best Achievement in Payments Processing

Category Winner: Banking Circle

Banking Circle Virtual IBAN – a genuine game-changer for the payments marketplace

Finalists

  • 3C Payment - 3C Smartbox Payment Solution
  • Banking Circle - Banking Circle Virtual IBAN – a genuine game-changer for the payments marketplace
  • Barclaycard - Barclaycard Payment Solutions –Payment Acceptance Optimisation (PAO) and DASA
  • Checkout.com - Accept More, with Checkout.com
  • ClearBank - ClearBank

Best Marketing Campaign of the Year

Category Winner: Mastercard

Listening Room (BRIT Awards 2018)

Finalists

  • American Express - How Amex UK used innovation to drive brand reappraisal
  • American Express - Money Well Spent
  • Avantcard - Avantcard ‘Made for you’ Campaign
  • Barclaycard - “Be smarter with Smartpay” campaign
  • Capital One - Capital One’s ‘Check it, don’t chance it’ advertising campaign
  • Mastercard - Listening Room (BRIT Awards 2018)
  • Mastercard - Mastercard Feed Their Future Initiative
  • One4all Gift Cards - Christmas Wishes Marketing Campaign 2017
  • Virgin Money - World Food Programme - One Million Meals
  • Virgin Money - Virgin Atlantic Airways Credit Card Launch

Best Benefits or Loyalty Programme of the Year

Category Winner: American Express

Amex Offers

Finalists

  • Allied Irish Banks (AIB) - AIB Everyday Rewards
  • American Express - Amex Offers
  • Avantcard - “Avantages” - Avantcard’s new credit card rewards programme
  • Barclaycard - Barclaycard Entertainment
  • Collinson - Collinson’s Priority Pass: driving loyalty with premium connected travel experiences
  • Royal Bank of Scotland / NatWest - My Rewards Programme
  • Sainsbury's Bank - Saying thanks to loyal shoppers; how Sainsbury’s helped customers receive more Nectar points from their regular shopping
  • Virgin Money - Virgin Atlantic Airways Credit Cards

Best Prepaid Product of the Year

Category Winner: B4B Payments

B4B Payments, issued by Wirecard

Finalists

  • Arro Money - Arro Money by Marq Millions, issued by Wirecard
  • B4B Payments - B4B Payments, issued by Wirecard
  • Glint - Glint, issued by Wirecard
  • Monese with PrePay Solutions - Monese Powered by PrePay Solutions
  • MuchBetter - MuchBetter, issued by Wirecard

The Judges’ Award

Category Winner: Kelley C. Knutson

Award Sponsors

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