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2020 Winners & Finalists

Best Technology Initiative of the Year

Category Winner: RBS & Ethoca

RBS and Ethoca Move Dispute Resolution Upstream to Transform the Cardholder Journey

Finalists

  • Barclays Bank UK - Barclays Travel Wallet
  • Chargebacks911 - Mitigating chargebacks with ISD technology and unrivalled human forensics
  • Conferma Pay - Conferma Pay App
  • Contis - Meeting Payments Challenges with Customisable Banking
  • Curve - Curve, issued by Wirecard
  • Ixaris Payments & Banking Circle - Banking Circle Virtual IBAN helping Ixaris
  • RBS & Ethoca - RBS and Ethoca Move Dispute Resolution Upstream to Transform the Cardholder Journey
  • Royal Bank of Scotland/NatWest - MyRewards Merchant Funded Direct Debit (MFDD) Offers
Category Sponsor: Ingenico Group

Best Achievement in Retail Payments

Category Winner: The Co-op

Pay in Aisle

Finalists

  • Divido - Divido, the global white label platform for point-of-purchase finance
  • Elavon - Elavon’s consultative approach to maximise data security and revenue
  • PCI Pal - Agent Assist: securing payments in the contact centre
  • Sage Pay - Jump In leads the market and reaps benefits from Sage Pay’s payments technology and ROLLER’s Software
  • The Co-op - Pay in Aisle

Best Industry Innovation of the Year

Category Winner: NatWest

Bankline Mobile – a UK first for biometrically approving business payments of any size

Finalists

  • Bottomline - Democratizing the UK’s Faster Payment Scheme with new ways to access the network
  • ClearBank - ClearBank successfully launches FSCS Bank Account Solutions
  • Featurespace - Featurespace's best in class machine learning technology, the ARIC Platform launches into AML
  • Fingopay (Sthaler) - Launching Fingopay - the world’s first finger vein ID technology
  • Mastercard, Ingenico, Global Payments, Bleep - Swinging Mastercard’s Sonic into action
  • McLEAR - McLEAR Smart Ring, issued by Wirecard
  • NatWest - Bankline Mobile – a UK first for biometrically approving business payments of any size
  • NatWest - Paying with a fingerprint – the NatWest biometric debit card
  • RBS & Ethoca - RBS and Ethoca Move Dispute Resolution Upstream to Transform the Cardholder Journey
Highly Commended:
Fingopay (Sthaler)-Launching Fingopay - the world’s first finger vein ID technology
Mastercard, Ingenico, Global Payments, Bleep-Swinging Mastercard’s Sonic into action
Category Sponsor: Fiserv

Social Inclusion in Financial Services

Category Winner: Capital One

Vulnerable customer programme

Finalists

  • Capital One - ACeS: Agent Collection System
  • Capital One - Vulnerable customer programme
  • Engage & Contis - Engage: Banking on our Communities
  • Globa Processing Services - Financial inclusion – GPS payment innovation for the ‘unbanked’
  • Verisk Financial - Persistent Debt Benchmarking

Excellence in Operational Innovation

Category Winner: ClearScore Technology

ClearScore’s Mental Health and Wellbeing Program

Finalists

  • Capital One - Capital One UK, in partnership with Infosys – enabling customer-centric quality assurance
  • Chargebacks911 - Mitigating chargebacks with ISD technology and unrivalled human forensics
  • ClearScore Technology - ClearScore’s Mental Health and Wellbeing Program
  • Global Processing Services - Operational excellence breaks down more barriers to innovation
  • Handepay - Outstanding customer service puts independent businesses in control of their payment process
  • The Co-operative Bank - ‘Closing the Loop’
Category Sponsor: Auriemma Group

Best Initiative in Digital Payments

Category Winner: NatWest

Bankline Mobile – a UK first for biometrically approving business payments of any size

Finalists

  • Barclays Bank UK - Barclays Travel Wallet
  • Contis - A New Generation of Payment Technology
  • Cover Genius - XClaim API for instant payment of claims
  • Curve - Curve, issued by Wirecard
  • HSBC UK - HSBC UK Rewards Credit Card
  • MuchBetter - MuchBetter, issued by Wirecard
  • NatWest - Bankline Mobile – a UK first for biometrically approving business payments of any size
  • NatWest - Credit Card Instalment Plans
  • SmartTrade App - SmartTrade's Application Point of Sale
Category Sponsor: TSYS

Best Prepaid Product of the Year

Category Winner: Post Office & First Rate Exchange Services

Post Office Travel Money Card

Finalists

  • Centtrip - Centtrip Global Touring/Production Card
  • MuchBetter - MuchBetter, issued by Wirecard
  • Post Office & First Rate Exchange Services - Post Office Travel Money Card
  • PrePay Solutions & Monese - Becoming the World’s Largest Apple Pay Issuer
  • Travel Welfare & Omnio Group - Travel Welfare by Omnio Group, issued by Wirecard
Category Sponsor: Moorwand

Best Marketing Campaign of the Year

Category Winner: Visa

Visa Christmas - "All they want for Christmas is you"

Finalists

  • American Express - Don’t Wimbledon Without it: American Express at Wimbledon 2019
  • ANNA Money - The Miaowing Debit Card by ANNA Money
  • Barclaycard - Pay Less Interest Campaign
  • Barclaycard Cards & Payments - We Take Business Seriously
  • HSBC UK - ‘It’s Payback Time’ – HSBC’s new Rewards Card launch campaign
  • NewDay - Helping more people to build better credit with Aqua
  • Visa - One Moment Can Change the Game
  • Visa - Visa Christmas - "All they want for Christmas is you"
Highly Commended:
American Express-Don’t Wimbledon Without it: American Express at Wimbledon 2019

Best Payments Industry Newcomer

Category Winner: Konsentus

Finalists

  • Countingup - Countingup
  • Konsentus - Konsentus
  • Reflow - Reflow
  • Tally Money - Tally - Money that adds up
  • Tribe Payments - Tribe Payments
Highly Commended:
Countingup-
Category Sponsor: Mastercard

Best Consumer Credit Card or Credit Facility

Category Winner: NatWest

Credit Card Instalment Plans

Finalists

  • American Express - American Express Platinum Cashback Credit Cards
  • Bank of Ireland - Aer Credit Card
  • HSBC UK - HSBC UK Rewards Credit Card
  • Lloyds Banking Group - Halifax Clarity Card
  • NatWest - Credit Card Instalment Plans
  • Royal Bank of Scotland/NatWest - Balance Transfer Credit Card
  • Royal Bank of Scotland/NatWest - MyRewards- Reward Credit Card and Reward Black Credit Card
Category Sponsor: Visa

Best Initiative from an SME

Category Winner: Modulr

Modulr joins Faster Payments directly to drive business payments competition

Finalists

  • ClearBank - ClearBank successfully launches FSCS Bank Account Solutions
  • Konsentus - Konsentus Third Party Provider Identity and Regulatory Checking Solution
  • McLEAR - McLEAR Smart Ring, issued by Wirecard
  • Modulr - Modulr joins Faster Payments directly to drive business payments competition
  • Sage Pay - Jump In leaps competitors and sees boundless benefits with ROLLER and Sage Pay partnership

Industry Achievement Award

Category Winner: Open Banking

Category Sponsor: American Express

Best Security or Anti-Fraud Development

Category Winner: Bottomline

UK Corporates achieve peace of mind with PTX Secure Payments

Finalists

  • American Express - Express List from American Express: addressing the revised Payment Services Directive (PSD2)
  • Bottomline - UK Corporates achieve peace of mind with PTX Secure Payments
  • Elavon - Elavon’s Innovative Approaches to Fraud and Security
  • Ethoca - Ethoca Scales Collaboration Network to Eliminate More than 260,000 Chargebacks for UK Card Issuers
  • MuchBetter - MuchBetter, issued by Wirecard
  • PCI Pal - Agent Assist: securing payments in the contact centre
  • Semafone - Semafone Helps TalkTalk Connect to a Secure Future
  • Shieldpay - Eliminating payment fraud, for good
Highly Commended:
American Express-Express List from American Express: addressing the revised Payment Services Directive (PSD2)
Shieldpay-Eliminating payment fraud, for good
Category Sponsor: FICO

Changing Lives in the Community

Category Winner: The Co-operative Bank

The Co-operative Bank raises £1 million to end youth homelessness

Finalists

  • American Express - Tech Girls
  • Royal Bank of Scotland/NatWest - MyRewards Programme
  • The Co-operative Bank - The Co-operative Bank raises £1 million to end youth homelessness
  • TSYS International - The Heart Of TSYS - Financial Literacy & Responsibility

Best Design of the Year

Category Winner: NatWest

The NatWest fingerprint debit card – a perfect marriage of form and function

Finalists

  • American Express - Presenting The New Metal Cards from American Express: The Platinum Card® and Business Platinum Card®
  • ANNA Money - ANNA Money, issued by Wirecard
  • Capital One - ACeS: Agent Collection System
  • NatWest - The NatWest fingerprint debit card – a perfect marriage of form and function
  • NewDay - Building better credit with Aqua through accessible and purpose-led design

Best Achievement in Payments Processing

Category Winner: PPS

Driving Fintech

Finalists

  • Cashplus - Cashplus Bulk Faster Payments
  • Cover Genius - XClaim API for instant payment of claims
  • Global Processing Services - Global Processing Services (GPS) – the Superprocessor™
  • Ixaris Payments & Banking Circle - Ixaris Payments in partnership with Banking Circle
  • Lloyds Banking Group - Working Capital Optimisation - Lloyds Bank and Optal’s Working Capital Optimisation
  • PPS - Driving Fintech
  • QRails - Club Pay
  • UTP Merchant Services - Faster Processing
  • WEX - WEX Europe – Demand a higher standard
Category Sponsor: Tribe Payments

Best Current Account of the Year

Category Winner: Starling Bank

Starling Bank Current Account

Finalists

  • NatWest - Paying with a fingerprint – the NatWest biometric debit card
  • Royal Bank of Scotland/NatWest - Reward Current Accounts
  • Starling Bank - Starling Bank Current Account

Best Service to Business

Category Winner: Travel Welfare & Omnio Group

Travel Welfare by Omnio Group, issued by Wirecard

Finalists

  • Amadeus - Amadeus B2B Wallet Partner Pay
  • ANNA Money, issued by Wirecard - ANNA Money, issued by Wirecard
  • Arro Money - Arro Money, issued by Wirecard
  • Banking Circle - Banking Circle Virtual IBAN – offering financial institutions a game-changing payment solution
  • Barclaycard Cards & Payments - Transfer to Bank
  • Chargebacks911 - Mitigating chargebacks with ISD technology and unrivalled human forensics
  • Handepay - Cost-effective pricing allows independent businesses to stay competitive
  • Soldo - Smarter business spending starts here
  • Tide - Revolutionising Business Banking
  • Travel Welfare & Omnio Group - Travel Welfare by Omnio Group, issued by Wirecard
Highly Commended:
Tide-Revolutionising Business Banking
Category Sponsor: Discover Global Network

Best Benefits or Loyalty Programme of the Year

Category Winner: Bank of Ireland

Aer Credit Card

Finalists

  • American Express - Introducing American Express Experiences
  • Bank of Ireland - Aer Credit Card
  • Collinson’s Priority Pass - evolving our value proposition to meet the needs of frequent travellers
  • Royal Bank of Scotland/NatWest - MyRewards
  • Verisk Financial - Everyday Spending Travel Rewards Programme

Best Achievement in Customer Service

Category Winner: Capital One

Capital One UK – Customer-centric quality assurance

Finalists

  • Barclaycard - Barclaycard, in partnership with Sysnet, launches payment and cyber security programme
  • Capital One - ACeS: Agent Collection System
  • Capital One - Capital One UK – Customer-centric quality assurance
  • Cover Genius - XClaim API for instant payment of claims
  • Handepay - Outstanding customer service puts independent businesses in control of their payment process
  • Lloyds Banking Group - Direct Debit in Cycle
  • Sage Pay - Delivering Excellent Customer Service 24/7/365
  • The Co-operative Bank - ‘Closing the Loop’
  • Verisk Financial - Persistent Debt Benchmarking

The Judges’ Award

Category Winner: ANNA Money

Award Sponsors

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