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Presented by The London Institute of Banking and Finance and UK Finance
Winners and Highly Commended 2017


  • Best Financial Inclusion or Outreach Initiative - Highly Commended

    FINLIT Nepal - Community Based Financial Education cum Community Bank

    FINLIT Nepal - Community Based Financial Education cum Community Bank
    In Nepal, many people are lacking financial knowledge and literacy, and consequently are unable to access financial services. FINLIT Nepal is a market leader that addresses the financial inclusion of people and is the first to bring stakeholders nationally together around the issue of financial inclusion. This initiative aims to reshape the future of finance through expanding secure, structured and low-cost access to formal banking channels, particularly for the young, the marginalised and rural populations.

     

  • Best Financial Inclusion or Outreach Initiative

    Lloyds Banking Group - Lloyds Bank partnership with Signly

    Lloyds Banking Group - Lloyds Bank partnership with Signly
    In a sector first, LBG has introduced the innovative and unique Signly technology, providing the opportunity to improve financial capability and ensure that their customers receive and understand the information they need. Using the Signly app, deaf or hearing-impaired customers can scan Signly-enabled written materials on their mobile device. This provides translations into BSL through augmented reality, with someone signing the content on a customer’s smartphone.

  • Innovation in Sustainability or Social Responsibility - Highly Commended

    Barclays Bank - Barclays Eagle Labs

    Barclays Bank – Barclays Eagle Labs
    Barclays Eagle Labs are a community resource – a space offering digital empowerment for everyone. They encourage sustainable businesses and build partnerships with charities, non-profit organisations and educational initiatives, such as e-NABLE and UnLimbited  who benefit from the rapid proto-typing equipment available at the Eagle Lab to 3D-print prosthetic arms; the Jubilee Sailing Trust, and Fire Tech Camp, the UK’s leading provider of tech education for people aged 9-17.

  • Innovation in Sustainability or Social Responsibility

    Investec - Innovation to Arrival Education partnership, in the form of Invest for Success programme, 2016-17

    Investec - Innovation to Arrival Education partnership, in the form of Invest for Success programme, 2016-17
    Investec’s social responsibility initiatives focus on education and entrepreneurship, empowering people to transform their lives and communities. They work in dedicated partnerships with local community organisations. Based on identified need, the bespoke ‘Invest for Success’ programme is a unique initiative in the UK, targeting excluded community groups and providing a special opportunity for volunteers from the Wealth and Investment business to use their work-related skills to significantly impact students over a six-month period.

  • Best Technology Initiative - partnered by Confirmation.com

    ezbob - ezbob digital end-to-end lending platform

    ezbob – ezbob digital end-to-end lending platform
    The ezob digital end-to-end lending platform is a radical, ground-breaking, multiple financial product, straight through processing (STP) system that enables banks to offer a state-of-the-art, seamless lending solution to their SME and retail customers. It is a white-label, fully-integrated solution using real-time data, that handles all aspects of the lending process (including using electronic signatures) to make flexible loan offers on an enhanced digital platform, quickly and efficiently.

  • Technology Vendors - Best Insurance, Investments and Pensions Solution - partnered by Confirmation.com

    Dorsum Co. - Wealth Management Platform

    Dorsum Co. Ltd. – Wealth Management Platform
    This platform is an innovative front-to-mid solution that provides all essential functionality for investment service providers to evaluate, analyse and calculate portfolio yields as well as covering the range of advisory and brokerage services and offering the highest standards of user experience. It is designed for wealth managers who are seeking a solution that links to existing legacy systems to provide an efficient advisory network with strong customer engagement and regulatory compliance. 

  • Technology Vendors - Best Financial Services Solution - partnered by Confirmation.com

    Maximise IT Solutions - DARA SmartFlow – Intelligent Automation that transforms complex processes into simple tasks

    Maximise IT Solutions – DARA SmartFlow – Intelligent Automation that transforms complex processes into simple tasks
    This project involves harnessing the power of intelligent automation to work on complex complaints, and is believed to be unique in the world of Robotic Process Automation.
    Working with a UK Retail Bank, they introduced their automated, intelligent SmartFlow system to help meet regulatory service levels demanded for complex complaints, uniting the dispersed data from 26 different systems, reducing handling time, improving accuracy and quality and saving millions of pounds.

  • Best FinTech Partnership - partnered by Confirmation.com

    GFT and Deutsche Bank - dbPalace

    GFT and Deutsche Bank – dbPalace
    When Deutsche Bank (DB) announced it was to invite tenders for a major platform overhaul, GFT challenged DB’s senior leaders to adopt a new approach. Together, they unveiled an ambitious strategy, designed to become simpler & more efficient, modernising outdated technology & reducing risk, by introducing a single strategic global platform, using a dynamic and agile IT function in order to react quickly to client and market demands.
  • Best Payment Initiative

    Pure Software Pte - Arttha Digital Payments Platform


    Pure Software Pte – Arttha Digital Payments Platform
    Arttha is a pioneering cloud-based financial inclusion technology platform enabling 180 of Nepal’s cooperative banks to offer innovative digital services to customers, including ATM-based money transfers, bill payments, merchant payments, P2P transfers, cardless ATM withdrawals and a mobile internet/SMS toggle capability for when reception is poor. Available in the local language, the project has had a far-reaching, positive impact on the lives of people and their businesses, as well as the banks involved.

  • Best Mobile Banking

    Barclays Bank - Business Instant Lending on Mobile

    Barclays Bank - Business Instant Lending on Mobile
    In November 2016, Barclays became the first UK Bank to be able to lend to businesses with an end-to-end customer journey on a mobile phone. The App2Web delivery has leveraged a previous ‘first’ for Barclays in providing the capability to lend to businesses via the online channel. This unique and complex solution is wrapped in a native Barclays Mobile Banking shell, offering a slick seamless UI experience for the customer.

  • Innovation in Product Design

    First National Bank South Africa - FNB Branded Smartphones: Enabling Digital Banking

    First National Bank South Africa - FNB Branded Smartphones: Enabling Digital Banking
    Wanting to extend the reach of digital migration, FNB developed an innovative product to reach those previously unable to afford smartphones on which to conduct digital banking transactions. By integrating it into a rewards programme, incentivising saving towards a deposit and packaging up the Android handset in a cost-effective way (already loaded with the FNB Banking App), FNB aim to satisfy customer needs and promote brand recognition.

  • Innovation in Service Design - Highly Commended

    Banco Itaú Unibanco SA - Itaú as a digital inclusion enabler

    Banco Itaú Unibanco SA – Itaú as a digital inclusion enabler
    Significant investment in digital channels means that c.75% of customers bank this way with Itaú. Recognising that they could be first movers into the low income segment and gain advantage, market share and contribute to digital inclusion, they invested in a range of initiatives aimed to expand financial literacy and inclusion for unbanked and low income Brazilians. This includes Itaú Light, the first App targeted specifically at the low income customer.

  • Innovation in Service Design

    Confused.com - Car Finance Comparison

    Confused.com – Car Finance Comparison
    Confused.com car finance is the only UK online non-advisory car finance comparison service on the market. It enables drivers to compare personal loans and hire purchase options side-by-side – making it easy to identify the best deals available across multiple finance options, including monthly payment costs, APR plus the total loan repayment at quotation stage, so that they can make a fully informed decision without having to undergo a hard credit check.

  • Innovation in the Delivery of Financial Products

    Sberbank of Russia - Sberbank Markets - electronic trading platform for corporate customers and financial institutions

    Sberbank of Russia–Sberbank Markets - electronic trading platform for corporate customers and financial institutions
    Sberbank Markets is an electronic trading platform which gives Sberbank clients quick access to FX products while electronically managing risks and liquidity. Its implementation followed their first ever commercial contract with a UK-based company to supply hosting infrastructure for eFX architecture, and platform delivers aggregated, liquidity-adjusted pricing over connected channels. Fully integrated with central risk-management, and legally compliant, it offers customers a flexible, secure and automated way to manage FX requirements.

  • Innovation in Supporting Business and Enterprise - Products and Services

    Evotor - Evotor

    Evotor   - Evotor
    The Evotor Smart Terminal is a compliant solution to changes in Russian Federal Law, requiring entrepreneurs to install online cash registers that automatically transmit data from register receipts directly to the Federal Tax Service. The user can connect peripherals to the terminal - card terminals, barcode scanners, scales etc. All these functions are rolled into one affordable, compact device, with the opportunity to download additional apps that assist with business administration.
  • Innovation in Supporting Business and Enterprise - Supporting/Assisting Growth and Development - Highly Commended

    Barclays Bank - Barclays Eagle Labs

    Barclays Bank - Barclays Eagle Labs
    Eagle Labs are Barclays-branded and run spaces designed to encourage ‘shared growth’ – in the belief that when the communities in which they operate thrive, so does Barclays. Standing on three core pillars: accelerating UK business, enabling collaborative innovation and digital empowerment for everyone, Eagle Labs support local businesses. They harness Barclays’ history and expertise, and combine this with a creative working environment and access to the latest technologies.

  • Innovation in Supporting Business and Enterprise - Supporting/Assisting Growth and Development

    Barclays - Rise

    Barclays – Rise
    At Rise, Barclays co-creates new products, services and platforms with their startup partners. They partner with leading corporates, investors and industry experts across seven sites internationally. The aim is to build a community for the best minds in FinTech, to help accelerate growth, bring startups to market and help to create the future of financial services. The highly sought-after Barclays Accelerator, an intensive programme designed to accelerate start-ups, is now in its 4th year.
  • Best Financial Start-up - Highly Commended

    Trussle - One year to a billion

    Trussle - One year to a billion
    Online mortgage broker, Trussle is using technology to automate mortgage expertise by streamlining difficult and time-consuming processes. Improving many of the pain-points faced by consumers as they navigate a traditionally complex mortgage journey, they have reduced the time taken, lengthy paperwork and meetings and jargon that frustrate consumers, and improved the customer journey by using simple processes and an algorithm that searches thousands of mortgage deals to find the most suitable option.

  • Best Financial Start-up

    Habito - Launching the UK's Digital Mortgage Broker

    Habito - Launching the UK's Digital Mortgage Broker
    With the goal of making mortgages simpler, faster and better, start-up Habito uses technology designed to deliver solutions that put consumer needs first. They are a 21st century digital mortgage broker, operating on a custom-built sourcing platform, using an algorithm that has no decision-making bias. High quality, fully-digitised mortgage decisions are made at speed and free of charge to the consumer, helping them make informed decisions and obtain the best deal on their mortgage.

  • Innovation in Marketing and Communications - Highly Commended

    Lloyds Banking Group - Black Horse Personalised Videos

    Lloyds Banking Group - Black Horse Personalised Videos
    Black Horse offer finance agreements for vehicles through 7,000 dealers, but their name was not well known. To radically improve customer experience and capitalise on the positivity around getting a new car, Black Horse created their first, highly-personalised video delivered to each customer within hours of the sale. It was innovative in both execution and use of data, taking personalisation to a new level, and making each user experience unique while building brand awareness.

  • Innovation in Marketing and Communications

    NatWest - Women in Business Campaign and Podcasts

    NatWest - Women in Business Campaign and Podcasts
    NatWest is committed to helping more women start up and succeed in business. For the first time, the NatWest Entrepreneurship monitor was published with a gender lens identifying different drivers and behaviours between men and women in business and a plan was developed to reach out to women in a different way, including publicity, local events and a series of podcasts designed to engage and inform a new audience of busy women.

  • Innovation in Data and its Application - Highly Commended

    Sberbank  - Tips in Sberbank Online

    Sberbank – Tips in Sberbank Online
    ‘Tips’ from Sberbank analyses the user’s data (financial behaviour, including spending, savings and profile data) and draws conclusions, using a set of machine learning models, including experiments with neural networks. It combines the characteristics of a PFM service with digital assistance services, by offering personalised recommendations to customers based on algorithms which identify life scenarios as well as learning from customer feedback that allows it to target recommendations more precisely.

     

  • Innovation in Data and its Application

    Ziraatbank - Using Geographical Information System for Selecting Branch Locations

    Ziraatbank – Using Geographical Information System for Selecting Branch Locations
    Knowing that the selection of a branch location is critical for business success, Ziraatbank developed the first model in Turkey that optimises the branch location using both geospatial data and the bank's big data. Overcoming the challenge of turning unstructured data into meaningful data, they also use statistical models and a GIS decision-support system, which facilitates comparison of potential sites, reducing decision times and making the process more objective.

  • Excellence in Customer Experience

    Lloyds Islands Community Bank - Lloyds Islands Community Bank – Removal of Sales Targets

    Lloyds Islands Community Bank – Removal of Sales Targets
    Going against conventional sector wisdom that in order to be profitable and commercially viable you must prioritise the selling of products and thus incentivise your staff accordingly, LICB made the radical, innovative decision to remove sales targets and fundamentally alter business strategy to put the customer at the heart of what they are doing. Individual and team success is now measured on customer treatment and advocacy – focusing on delivering excellent customer service.

  • Best Customer-Focused Cultural Transformation or Staff Participation Initiative - Highly Commended

    Albaraka Türk - Keşfet Intrapreneurship Program

    Albaraka Türk - Keşfet Intrapreneurship Program
    The Keşfet Intrapreneurship Program adopts the approach of developing and realising creative and innovative ideas by employees in the company using an ‘intrapreneurial’ perspective and combines the concept of innovation with execution and implementation. Offering training, support and mentorship, the aim of the programme is to spread an innovation culture and the spirit of ‘intrapreneurship’ within the organisation, enabling staff to propose ideas, work like entrepreneurs, and collaborate across departmental lines to deliver successful projects.

     

  • Best Customer-Focused Cultural Transformation or Staff Participation Initiative

    HSBC - HSBC’s digital revolution

    HSBC - HSBC's Digital Revolution
    In order to transform the digital customer experience, HSBC initiated a programme to transform their culture into one that enables innovation to flourish and empowers colleagues to run with ideas that drive the digital shift. One aspect of the plan has brought together 3,000 talented colleagues from across functions to create HSBC Digital Solutions, based at a new FinTech hub, encouraging creativity and facilitating speedy and effective digital development. 

  • Service Team of the Year - Highly Commended

    Moody’s Analytics - D.R.I.V.E.-ing Innovation and Initiative


    Moody’s Analytics – D.R.I.V.E.-ing Innovation and Initiative
    In 2015, Moody's Analytics Customer Service successfully launched project D.R.I.V.E, a global initiative defining the department’s mission statement and strategic direction, to deliver innovative, customer-focused solutions through a talented and empowered workforce. The Customer Service department embraces the company’s culture, which is based on coaching and the freedom of feedback as a way to improve individuals through continuous marginal gain, which optimises and drives efficiencies, while offering progression opportunities.

  • Service Team of the Year

    Lloyds Banking Group - Delivering Brilliant Digital Service


    Lloyds Banking Group – Delivering Brilliant Digital Service
    The Digital Service team is shaping the future of LBG’s digital experience. Their three-year strategy to deliver world-class digital customer satisfaction created business units which use a sprint methodology to improve collaboration, energy and speed, whilst allowing headspace for innovation. They deliver outstanding service journeys and high impact projects, regularly and responsively. The new way of working has moved from creating a strong digital basics foundation to new propositions which deepen customer engagement.

Innovation in Product Design
First National Bank South Africa - FNB Branded Smartphones: Enabling Digital Banking

Innovation in Service Design
Confused.com – Car Finance Comparison

Innovation in Service Design - Highly Commended
Banco Itaú Unibanco SA – Itaú as a digital inclusion enabler

Best Payment Initiative
Pure Software Pte – Arttha Digital Payments Platform

Innovation in Supporting Business and Enterprise - Products and Services
Evotor   - Evotor

Innovation in Supporting Business and Enterprise - Supporting/Assisting Growth and Development
Barclays – Rise

Innovation in Supporting Business and Enterprise - Supporting/Assisting Growth and Development - Highly Commended
Barclays Bank - Barclays Eagle Labs

Best Mobile Banking
Barclays Bank - Business Instant Lending on Mobile

Innovation in the Delivery of Financial Products
Sberbank of Russia–Sberbank Markets - electronic trading platform for corporate customers and financial institutions

Innovation in Marketing and Communications
NatWest - Women in Business Campaign and Podcasts

Innovation in Marketing and Communications - Highly Commended
Lloyds Banking Group - Black Horse Personalised Videos

Innovation in Data and its Application
Ziraatbank – Using Geographical Information System for Selecting Branch Locations

Innovation in Data and its Application - Highly Commended
Sberbank – Tips in Sberbank Online

Excellence in Customer Experience
Lloyds Islands Community Bank – Removal of Sales Targets

Service Team of the Year
Lloyds Banking Group – Delivering Brilliant Digital Service

Service Team of the Year - Highly Commended
Moody’s Analytics – D.R.I.V.E.-ing Innovation and Initiative

Best Customer-Focused Cultural Transformation or Staff Participation
HSBC - HSBC's Digital Revolution

Best Customer-Focused Cultural Transformation or Staff Participation - Highly Commended
Albaraka Türk - Keşfet Intrapreneurship Program

Innovation in Sustainability or Social Responsibility
Investec - Innovation to Arrival Education partnership, in the form of Invest for Success programme, 2016-17

Innovation in Sustainability or Social Responsibility - Highly Commended
Barclays Bank – Barclays Eagle Labs

Best Financial Inclusion or Outreach Initiative
Lloyds Banking Group - Lloyds Bank partnership with Signly

Best Financial Inclusion or Outreach Initiative - Highly Commended
FINLIT Nepal - Community Based Financial Education cum Community Bank

Best Technology Initiative - Partnered by Confirmation.com
ezbob – ezbob digital end-to-end lending platform

Technology Vendors - Best Insurance, Investments and Pensions Solution - Partnered by Confirmation.com
Dorsum Co. Ltd. – Wealth Management Platform

Technology Vendors - Best Financial Services Solution - Partnered by Confirmation.com
Maximise IT Solutions – DARA SmartFlow – Intelligent Automation that transforms complex processes into simple tasks

Best FinTech Partnership - Partnered by Confirmation.com
GFT and Deutsche Bank – dbPalace

Best Financial Start-up
Habito - Launching the UK's Digital Mortgage Broker

Best Financial Start-up - Highly Commended
Trussle - One year to a billion