World’s Best Digital Banks 2024—Round 1

Changing customer expectations and the need to maintain a competitive edge continue to drive digital banking as both consumer and corporate banks rush to provide customer convenience, personalized services, and speed.  

Digital transformation in the banking sector has moved from simply updating outdated systems to becoming a key strategy for boosting profitability. This shift has empowered banks to improve user experiences while streamlining operations. However, with rapid technological progress and ever-increasing customer expectations, banks must remain vigilant and proactive. It’s no longer enough to keep up with digital trends—banks must lead them to stay competitive.

The institutions recognized in Global Finance’s World’s Best Digital Banks 2024—Round 1 demonstrate how continuous innovation and the adoption of new technologies can achieve these goals.

Best Corporate/Institutional Digital Bank Regional Sub-Category Winners:
Africa
Asia-Pacific
Central & Eastern Europe
Latin America
Middle East
North America
Western Europe

In the regional sub-category in consumer and corporate banking, the winners excelled at tailoring customer journeys. These journeys were powered by open banking, clearly defined ecosystems, and artificial intelligence (AI), which enabled the banks to deepen their relationships with customers.

Bank of America (BofA), which won three of their awards in the consumer regional sub-category, including Best User Experience (UX) Design, introduced new digital capabilities to support consumers’ car shopping last year. This includes prequalified auto financing, with the customer able to calculate how much they would be able to borrow and estimate their terms—all with no credit score impact. Using BofA’s Digital Car Shopping tool, customers can compare, budget, finance, and purchase their car. Improved search functionality, electric vehicle inventory filtering, loan-application integration, and in-platform reviews from Carfax, all help customers buy the car that’s right for them. Clients looking to move to a new house can use the BofA Real Estate Center to search properties, check home values, and engage with real estate brokers; while the Digital Mortgage Experience enables them to conduct their entire mortgage application digitally, with access to lending experts at every step.

Multiple-award winner CaixaBank offers a fully digital, independent, after-sales experience for managing home, vehicle, and health insurance policies in real time through the CaixaBankNow app. The app also provides a will-making service. Thanks to strategic agreements with other leading companies in their segments, CaixaBank can offer customers the best solutions, adapted to their needs.

Best Corporate/Institutional Digital Banks
Sub-category Country, Territory, District Winners:
Africa
Asia-Pacific
Central & Eastern Europe
Latin America
Middle East
North America
Western Europe

“Seamless integration with ecosystem partners is paramount in delivering a holistic and personalized customer experience,” states a CaixaBank spokesperson. “The quality of the partner solution is crucial, as it directly impacts the service and product offerings available to customers. Equally important is compliance, ensuring that all integrations adhere to the highest standards of regulatory and security requirements.”

TD Bank Group is the winner of six consumer regional sub-category awards. Montresa McMillan, senior vice president for Enterprise Digital Strategy, Innovation and Payments, Change, and Operational Excellence at TD Bank Group, says that customers are at the center of everything and that building personalized digital experiences helps empower them with actionable insights tailored to their needs. “We want to be able to serve every customer segment—through every life moment—and we can achieve that through personalization.”

The TD Bank app is an example of how the bank puts this orientation into action. “We’re utilizing predictive AI to send digital nudges warning customers of predicted low balances, based on spending history and upcoming payments,” explains McMillan. “These nudges are sent two weeks in advance of anticipated shortfalls and direct our customers to options that can help them make decisions to improve their financial well-being.”

Qatar Islamic Bank (QIB) went through a significant digital transformation in 2023—introducing over 50 new digital features across channels to improve the digital experience for all customers. These features include the QIB Lite app; SoftPOS solution; digitized debit, credit, and prepaid cards; QIB Marketplace; Travel Mode; and Carbon Emission Tracker.

Mapping customer journeys and enhancing user experience are no longer reserved for consumers as banks seek to provide their corporate clients with the same seamless digital interactions they enjoy in other areas of their lives. This is made possible thanks to AI, application programming interfaces (APIs), and the agility provided by cloud-based services.

Bank of Georgia (BOG) won a dozen corporate/institutional regional sub-category awards and five consumer regional sub-category awards, thanks to a slew of advancements in business mobile and internet banking in 2023. From streamlined loan approval to automated AI-based models and enhanced digital onboarding, a diversified digital offering featuring lifestyle products, and digital tender guarantees for business, BOG is ensuring that its ecosystem can meet clients’ needs. To help further its open banking intentions, BOG also intends to introduce digital business registration in partnership with Georgia’s Ministry of Justice.

Vietnam’s Techcombank has broadly applied data analysis and AI across its business and transitioned most major systems to the cloud in order to provide hyperpersonalized customer experiences. The bank collaborates with AI experts to analyze billions of data points using machine learning to better understand customer needs, from daily transactions to mobile app use. Techcombank says a “data brain” adapts itself to each customer’s unique circumstances across all interactions on every channel.

Best Consumer Digital Banks
Regional Sub-category Winners by Country, Territory, District:
Africa
Asia-Pacific
Central & Eastern Europe
Latin America
Middle East
North America
Western Europe

AI is also being used to provide anti-money laundering (AML) protection. Taipei Fubon Bank—winner of Best Information Security and Fraud Management as a corporate/institutional sub-category for Taiwan and Asia-Pacific, Best Information Security and Fraud Management, and Best in Transformation as consumer regional sub-categories for the region—has developed Taiwan’s first AI AML system to monitor transaction risk by minimizing false positives. The “Owl Detect, All Detect” project uses big data and robust computational power to reduce false-positive incidents by 45%.

Bancolombia is a multiple corporate/institutional and consumer regional sub-category winner. The bank has integrated AI and data analysis to revolutionize both customer experience and operational efficiency. Having devised a framework focused on transforming functionalities and on the channels it offers clients, Bancolombia is adopting cloud transactions and APIs to bring greater scalability of operations.

National Bank of Greece (NBG), which won two regional sub-category awards, deployed the Infosys Finacle core banking system in October 2023 to power all of the bank’s small and midsize enterprise (SME) and corporate loan operations and replace the bank’s back end.

Stratos Molyviatis, NBG’s group chief operating officer, said in a LinkedIn post that the bank’s core banking replacement project, Cosmos, is “one of the biggest technology projects ever done in Greece. Technology leaps like that occur in an organization every 15 to 20 years.” Molyviatis explains, “The whole endeavor is fundamental to NBG’s digital strategy and its future vision.”

Best Islamic Digital Banks
Country Winners

The API Connection

APIs have revolutionized how banks interact with third parties. Creating an effective API ecosystem is essential for banks that want to enhance their digital capabilities and provide exceptional customer experiences.

In addition to the regulatory APIs for the revised Payment Services Directive (PSD2), Tatra banka offers commercial APIs for account information, payments, identity verification, and loans. Among the consumer regional sub-category winners in Central and Eastern Europe, Tatra won two awards, including Best Open Banking APIs. Tatra’s Premium API offers connectivity to accounts in other banks via its PSD2 aggregation platform. As the largest PSD2 aggregation provider in Slovakia, Tatra has over 30 partners using its solution and over 9,000 connected accounts.

Citi is a three-time corporate/institutional regional sub-category winner. CitiConnect processed about 3 billion API calls during 2023 (a 150% year-on-year increase); and Mohit Narula, global head of CitiConnect, Treasury and Trade Solutions at Citi, says the increasing demand for real-time, 24/7 capabilities continues to drive digital and API adoption.

Narula says, “Our clients’ business models are changing on the back of the rapidly evolving business environment, advances in technology, and changing consumer demand and expectations. We are seeing more businesses support direct-to-consumer flows, new e-commerce models, and alternate modes of payments, including instant payments.”

As an example, Narula says APIs can enable instant payments and provide required data to corporate clients within seconds. “As clients look for ways to efficiently handle high-volume transactions at a global scale and with the miniaturization of payments, APIs support the creation of impactful and distinct capabilities.”

Fellow North American PNC Bank won for five corporate/institutional regional sub-categories. The bank operates an embedded finance program that allows clients to build innovative solutions for their employees and customers using the bank’s API library. Success stories include AllShifts, an on-demand nurse-staffing agency, which has embedded PNC’s ePayments solution into its mobile app—enabling staff to retrieve on-demand payments immediately after a shift via the payment method of their choosing.

By creating interconnected platforms that offer customers a seamless and comprehensive financial experience, banks create a more customer-centric, efficient, and competitive landscape.

Digitalization enables banks to take advantage of emerging prospects, but new opportunities require new business models. Creating ecosystems through partnerships and collaborations allows banks to improve value propositions that go way beyond what they could offer independently.

Methodology

The Global Finance Best Digital Bank Awards winners are chosen based on entries provided by financial institutions. Entrants are judged on the breadth of product offerings, success in migrating customers to digital platforms, acquiring and retaining new customers, and using digital technologies to improve business processes, cut costs, and deliver other benefits. Each entry is analyzed by a team of digital and banking experts at Infosys. All final selections are the responsibility of Global Finance.

Best Corporate/Institutional Digital Banks
Regional Sub-category Winners
Best Corporate/Institutional Regional Sub-category Winner in Africa
Best Mobile Banking AppCAC International Bank
Best Corporate/Institutional Digital Banks in Africa
AlgeriaArab Bank
DjiboutiCAC International Bank
MoroccoArab Bank
Best Corporate/Institutional Regional Sub-category Winners in Asia-Pacific
Best Online Investment Management ServicesDBS
Best Online Cash Management ServicesDBS
Best Trade Finance ServicesDBS
Best Online Treasury ServicesDBS
Best Online User Experience (UX) PortalDBS
Best Integrated Corporate Banking PlatformTechcombank
Best Information Security and Fraud ManagementTaipei Fubon Bank
Best Mobile Banking Adaptive SiteDBS
Best Mobile Banking AppDBS
Best Social Media Marketing and ServicesHome Credit Bank Business
Best in InnovationCTBC
Best Open Banking APIsDBS
Best SME Banking/SME PlatformTaishin Bank
Best in TransformationTechcombank
Best Corporate/Institutional Digital Banks in Asia-Pacific
ChinaICBC
KazakhstanHome Credit Bank Business
SingaporeDBS
TaiwanCathay United Bank
VietnamTechcombank
Best Corporate/Institutional Regional Sub-category Winners in Central and Eastern Europe
Best Online Investment Management ServicesBank of Georgia
Best Online Cash Management ServicesBank of Georgia
Best Trade Finance ServicesBank of Georgia
Best Online Treasury ServicesBank of Georgia
Best Online User Experience (UX) PortalBank of Georgia
Best Integrated Corporate Banking PlatformBank of Georgia
Best Information Security and Fraud ManagementBank of Georgia
Best Mobile Banking Adaptive SiteBank of Georgia
Best Mobile Banking AppmBank
Best Social Media Marketing and ServicesBank of Georgia
Best in InnovationBank of Georgia
Best Open Banking APIsBank of Georgia
Best SME Banking/SME PlatformBank Millennium
Best in TransformationBank of Georgia
Best Corporate/Institutional Digital Banks in Central and Eastern Europe
ArmeniaEvocabank
BelarusPriorbank
GeorgiaBank of Georgia
PolandmBank
SlovakiaTatra banka
Best Corporate/Institutional Regional Sub-category Winners in Latin America
Best Online Cash Management ServicesBancolombia
Best Trade Finance ServicesBanco Bci
Best Online Treasury ServicesBanco Bci
Best Online User Experience (UX) PortalBancolombia
Best Integrated Corporate Banking PlatformBancolombia
Best Information Security and Fraud ManagementCitibanamex
Best Social Media Marketing and ServicesBancolombia
Best in InnovationBancolombia
Best SME Banking/SME PlatformMercado Pago
Best in TransformationBancolombia
Best Corporate/Institutional Digital Banks in Latin America
ArgentinaCiti
BrazilMercado Pago
ChileBanco Bci
ColombiaBancolombia
Dominican RepublicBanreservas
MexicoCitibanamex
PanamaCiti
UruguayBanco Itaú Uruguay
Best Corporate/Institutional Regional Sub-category Winners in the Middle East
Best Online Cash Management ServicesArab Bank
Best Trade Finance ServicesFirst Abu Dhabi Bank (FAB)
Best Online Treasury ServicesFirst Abu Dhabi Bank (FAB)
Best Online User Experience (UX) PortalQatar Islamic Bank
Best Integrated Corporate Banking PlatformSaudi National Bank (SNB)
Best Information Security and Fraud ManagementSaudi National Bank (SNB)
Best Mobile Banking Adaptive SiteDukhan Bank
Best Mobile Banking AppArab Bank
Best in InnovationQatar Islamic Bank
Best Open Banking APIsRiyad Bank
Best SME Banking/SME PlatformBank al Etihad
Best in TransformationQDB
Best Corporate/Institutional Digital Banks in the Middle East
BahrainArab Bank
EgyptArab Bank
JordanArab Bank
KuwaitBoubyan Bank
OmanBank Muscat
QatarQatar Islamic Bank
Saudi ArabiaSaudi National Bank (SNB)
United Arab EmiratesArab Bank
Best Corporate/Institutional Regional Sub-category Winners in North America
Best Online Cash Management ServicesPNC Bank
Best Online Treasury ServicesPNC Bank
Best Online User Experience (UX) PortalPNC Bank
Best Integrated Corporate Banking PlatformPNC Bank
Best Information Security and Fraud ManagementCiti
Best in InnovationCiti
Best SME Banking/SME PlatformPNC Bank
Best in TransformationCiti
Best Corporate/Institutional Regional Sub-category Winners in North America
CanadaCiti
United StatesCiti
Best Corporate/Institutional Regional Sub-category Winners in Western Europe
Best Online Cash Management ServicesNational Bank of Greece
Best Trade Finance ServicesIsbank
Best Online Treasury ServicesNational Bank of Greece
Best Online User Experience (UX) PortalIntesa Sanpaolo
Best Integrated Corporate Banking PlatformQNB Finansbank
Best Information Security and Fraud ManagementCaixaBank
Best Mobile Banking Adaptive SiteIsbank
Best Mobile Banking AppEurobank
Best in InnovationKuveyt Turk
Best Open Banking APIsBBVA
Best SME Banking/SME PlatformSantander
Best in TransformationMillennium BCP
Best Corporate/Institutional Regional Sub-category Winners in Western Europe
CyprusBank of Cyprus
DenmarkNordea
FinlandNordea
GreeceEurobank
ItalyIntesa Sanpaolo
NorwayNordea
PortugalBanco BPI
SpainSantander
SwedenNordea
TurkeyIsbank
United KingdomBank of America
Best Corporate/Institutional Digital Banks
Sub-category Country, Territory, District Winners
AFRICA
Djibouti
Best Mobile Banking AppCAC International Bank
ASIA-PACIFIC
Kazakhstan
Best Online Treasury ServicesHome Credit Bank Business
Best Information Security and Fraud ManagementHome Credit Bank Business
Best Mobile Banking AppHome Credit Bank Business
Best Social Media Marketing and ServicesHome Credit Bank Business
Best SME Banking/SME PlatformHome Credit Bank Business
Best in TransformationHome Credit Bank Business
Singapore
Best Online Investment Management ServicesDBS
Best Online Cash Management ServicesDBS
Best Trade Finance ServicesDBS
Best Online Treasury ServicesDBS
Best Online User Experience (UX) PortalDBS
Best Integrated Corporate Banking PlatformDBS
Best Information Security and Fraud ManagementDBS
Best Mobile Banking Adaptive SiteDBS
Best Mobile Banking AppDBS
Best Social Media Marketing and ServicesDBS
Best in InnovationDBS
Best Open Banking APIsDBS
Best SME Banking/SME PlatformDBS
Best in TransformationDBS
Taiwan
Best Integrated Corporate Banking PlatformCTBC
Best Information Security and Fraud ManagementTaipei Fubon Bank
Best in InnovationCTBC
Best SME Banking/SME PlatformTaishin Bank
Vietnam
Best Integrated Corporate Banking PlatformTechcombank
Best in TransformationTechcombank
CENTRAL & EASTERN EUROPE
Armenia
Best SME Banking/SME PlatformAmeriabank
Belarus
Best Online Cash Management ServicesPriorbank
Best Integrated Corporate Banking PlatformPriorbank
Best Social Media Marketing and ServicesPriorbank
Best in InnovationPriorbank
Best Open Banking APIsPriorbank
Best SME Banking/SME PlatformPriorbank
Georgia
Best Online Investment Management ServicesBank of Georgia
Best Online Cash Management ServicesBank of Georgia
Best Trade Finance ServicesBank of Georgia
Best Online Treasury ServicesBank of Georgia
Best Online User Experience (UX) PortalBank of Georgia
Best Integrated Corporate Banking PlatformBank of Georgia
Best Information Security and Fraud ManagementBank of Georgia
Best Mobile Banking Adaptive SiteBank of Georgia
Best Mobile Banking AppBank of Georgia
Best Social Media Marketing and ServicesBank of Georgia
Best in InnovationBank of Georgia
Best Open Banking APIsBank of Georgia
Best SME Banking/SME PlatformBank of Georgia
Best in TransformationBank of Georgia
Poland
Best Trade Finance ServicesBank Millennium
Best Information Security and Fraud ManagementBank Millennium
Best Mobile Banking AppmBank
Best in InnovationmBank
Best SME Banking/SME PlatformBank Millennium
Best in TransformationBank Millennium
Slovakia
Best SME Banking/SME PlatformTatra banka
LATIN AMERICA
Argentina
Best Information Security and Fraud ManagementCiti
Best in InnovationCiti
Brazil
Best Information Security and Fraud ManagementCiti
Best in InnovationCiti
Best SME Banking/SME PlatformMercado Pago
Chile
Best Trade Finance ServicesBanco Bci
Best Online Treasury ServicesBanco Bci
Colombia
Best Online Cash Management ServicesBancolombia
Best Online User Experience (UX) PortalBancolombia
Best Integrated Corporate Banking PlatformBancolombia
Best Information Security and Fraud ManagementBancolombia
Best Social Media Marketing and ServicesBancolombia
Best in InnovationBancolombia
Best SME Banking/SME PlatformBancolombia
Best in TransformationBancolombia
Mexico
Best Information Security and Fraud ManagementCitibanamex
Best in InnovationCitibanamex
Panama
Best Information Security and Fraud ManagementCiti
Best in TransformationCiti
Uruguay
Best Online Treasury ServicesBanco Itaú Uruguay
Best Online User Experience (UX) PortalBanco Itaú Uruguay
Best Integrated Corporate Banking PlatformBanco Itaú Uruguay
Best in InnovationBanco Itaú Uruguay
MIDDLE EAST
Jordan
Best Online Cash Management ServicesArab Bank
Best Trade Finance ServicesArab Bank
Best Mobile Banking AppArab Bank
Best SME Banking/SME PlatformBank al Etihad
Kuwait
Best SME Banking/SME PlatformBoubyan Bank
Oman
Best Trade Finance ServicesBank Muscat
Qatar
Best Online User Experience (UX) PortalQatar Islamic Bank
Best Mobile Banking Adaptive SiteDukhan Bank
Best Mobile Banking AppQatar Islamic Bank
Best in InnovationQatar Islamic Bank
Best SME Banking/SME PlatformQDB
Best in TransformationQDB
Saudi Arabia
Best Online Cash Management ServicesSaudi National Bank (SNB)
Best Trade Finance ServicesSaudi National Bank (SNB)
Best Online User Experience (UX) PortalSaudi National Bank (SNB)
Best Integrated Corporate Banking PlatformSaudi National Bank (SNB)
Best Information Security and Fraud ManagementSaudi National Bank (SNB)
Best Mobile Banking AppSaudi National Bank (SNB)
Best Open Banking APIsRiyad Bank
Best SME Banking/SME PlatformSaudi National Bank (SNB)
Best in TransformationSaudi National Bank (SNB)
United Arab Emirates
Best Online Cash Management ServicesFirst Abu Dhabi Bank (FAB)
Best Trade Finance ServicesFirst Abu Dhabi Bank (FAB)
Best Online Treasury ServicesFirst Abu Dhabi Bank (FAB)
Best Online User Experience (UX) PortalFirst Abu Dhabi Bank (FAB)
Best Integrated Corporate Banking PlatformFirst Abu Dhabi Bank (FAB)
Best Mobile Banking AppFirst Abu Dhabi Bank (FAB)
Best in InnovationFirst Abu Dhabi Bank (FAB)
Best Open Banking APIsFirst Abu Dhabi Bank (FAB)
NORTH AMERICA
Canada
Best Information Security and Fraud ManagementCiti
Best in InnovationCiti
Best in TransformationCiti
United States
Best Online Cash Management ServicesPNC Bank
Best Online Treasury ServicesPNC Bank
Best Online User Experience (UX) PortalPNC Bank
Best Integrated Corporate Banking PlatformPNC Bank
Best Information Security and Fraud ManagementCiti
Best in InnovationCiti
Best SME Banking/SME PlatformPNC Bank
Best in TransformationCiti
WESTERN EUROPE
Denmark
Best Mobile Banking AppNordea
Best SME Banking/SME PlatformNordea
Finland
Best Mobile Banking AppNordea
Best SME Banking/SME PlatformNordea
Greece
Best Online Cash Management ServicesNational Bank of Greece
Best Trade Finance ServicesEurobank
Best Online Treasury ServicesNational Bank of Greece
Best Mobile Banking AppEurobank
Best Open Banking APIsNational Bank of Greece
Italy
Best Online Treasury ServicesIntesa Sanpaolo
Best Online User Experience (UX) PortalIntesa Sanpaolo
Norway
Best Mobile Banking AppNordea
Best SME Banking/SME PlatformNordea
Portugal
Best Online Treasury ServicesBanco BPI
Best Information Security and Fraud ManagementMillennium BCP
Best in InnovationBanco BPI
Best Open Banking APIsMillennium BCP
Best SME Banking/SME PlatformBanco BPI
Best in TransformationMillennium BCP
Spain
Best Online Cash Management ServicesCaixaBank
Best Information Security and Fraud ManagementCaixaBank
Best Mobile Banking AppBBVA
Best in InnovationBBVA
Best Open Banking APIsBBVA
Best SME Banking/SME PlatformSantander
Best in TransformationCaixaBank
Sweden
Best Mobile Banking AppNordea
Best SME Banking/SME PlatformNordea
Turkey
Best Online Cash Management ServicesIsbank
Best Trade Finance ServicesIsbank
Best Integrated Corporate Banking PlatformQNB Finansbank
Best Mobile Banking Adaptive SiteIsbank
Best Mobile Banking AppIsbank
Best in InnovationKuveyt Turk
Best SME Banking/SME PlatformTEB Bank
United Kingdom
Best in InnovationBank of America
Best Consumer Digital Banks
Regional Sub-category Winners
Best Consumer Regional Sub-category Winners in Africa
Best Integrated Consumer Banking SiteDashen Bank
Best Online Product OfferingsDashen Bank
Best Bill Payment and PresentmentDashen Bank
Best User Experience (UX) DesignFirst National Bank
Best Mobile Banking AppFirst National Bank
Best Mobile Banking Adaptive SiteDashen Bank
Best Information Security and Fraud ManagementFirst National Bank
Best Social Media Marketing and ServicesDashen Bank
Best in LendingDashen Bank
Best in InnovationDashen Bank
Best Open Banking APIsDashen Bank
Best in TransformationFirst National Bank
Best Consumer Digital Banks in Africa
EthiopiaDashen Bank
South AfricaFirst National Bank
TanzaniaCRDB Bank
Best Consumer Regional Sub-category Winners in Asia-Pacific
Best Integrated Consumer Banking SiteCTBC
Best Online Product OfferingsTaiwan Business Bank (TBB)
Best Bill Payment and PresentmentCTBC
Best User Experience (UX) DesignBank of East Asia
Best Mobile Banking AppDBS
Best Mobile Banking Adaptive SiteDBS
Best Information Security and Fraud ManagementTaipei Fubon Bank
Best Social Media Marketing and ServicesPT Bank UOB Indonesia
Best in LendingSiam Commercial Bank
Best in InnovationUOB TMRW
Best Open Banking APIsMutual Trust Bank
Best in TransformationTaipei Fubon Bank
Best Consumer Digital Banks in Asia-Pacific
BangladeshMutual Trust Bank
CambodiaCathay United Bank – Cambodia (CUBC)
ChinaICBC
IndonesiaMaybank
JapanRakuten Bank
KazakhstanHome Credit Bank Business
MalaysiaMaybank
MongoliaGolomt Bank
PhilippinesMaya
SingaporeDBS
Sri LankaHSBC
TaiwanTaiwan Business Bank (TBB)
ThailandSiam Commercial Bank
VietnamTechcombank
Best Consumer Regional Sub-category Winners in Central & Eastern Europe
Best Integrated Consumer Banking SiteOTP Bank
Best Online Product OfferingsBank of Georgia
Best Bill Payment and PresentmentBank of Georgia
Best User Experience (UX) DesignOTP Bank
Best Mobile Banking AppBank of Georgia
Best Mobile Banking Adaptive SiteTatra banka
Best Information Security and Fraud ManagementBank Millennium
Best Social Media Marketing and ServicesGranit Bank
Best in LendingBank of Georgia
Best in InnovationBank of Georgia
Best Open Banking APIsTatra banka
Best in TransformationBank Millennium
Best Consumer Digital Banks in Central and Eastern Europe
AlbaniaRaiffeisen Bank Albania
ArmeniaEvocabank
BelarusPriorbank
Bosnia and HerzegovinaRaiffeisen Bank Sarajevo
BulgariaUniCredit Bulbank
GeorgiaBank of Georgia
HungaryOTP Bank
KosovoRaiffeisen Bank Kosovo
PolandBank Millennium
SerbiaRaiffeisen banka
SlovakiaTatra banka
Best Consumer Regional Sub-category Winners in Latin America
Best Integrated Consumer Banking SiteBancolombia
Best Online Product OfferingsCitibanamex
Best Bill Payment and PresentmentBanco Santander
Best User Experience (UX) DesignCitibanamex
Best Mobile Banking AppBanco Bci
Best Mobile Banking Adaptive SiteBancolombia
Best Information Security and Fraud ManagementSagicor Bank Barbados
Best Social Media Marketing and ServicesBanco de Bogotá
Best in LendingSagicor Bank Barbados
Best in InnovationBancolombia
Best Open Banking APIsCitibanamex
Best in TransformationBancolombia
Best Consumer Digital Banks in Latin America
ArgentinaBanco Santander
BahamasScotiabank
BarbadosSagicor Bank Barbados
BrazilMercado Pago
Cayman IslandsScotiabank
ChileBanco Bci
ColombiaBancolombia
Dominican RepublicBanco Popular Dominicano
GuyanaScotiabank
JamaicaScotiabank
MexicoCitibanamex
ParaguayItaú Unibanco
Puerto RicoBanco Popular de Puerto Rico
Trinidad and TobagoScotiabank
Turks and CaicosScotiabank
UruguayBanco Itaú Uruguay
Best Consumer Regional Sub-category Winners in the Middle East
Best Integrated Consumer Banking SiteArab Bank
Best Online Product OfferingsNBK
Best Bill Payment and PresentmentArab Bank
Best User Experience (UX) DesignAl Ahli Bank (ABK)
Best Mobile Banking AppCommercial Bank of Qatar
Best Mobile Banking Adaptive SiteSAB (Saudi Awwal Bank)
Best Information Security and Fraud ManagementQatar Islamic Bank
Best Social Media Marketing and ServicesQatar Islamic Bank 
Best in LendingSaudi National Bank (SNB)
Best in InnovationNBK
Best Open Banking APIsila Bank
Best in TransformationAlinma Bank
Best Consumer Digital Banks in the Middle East
Bahrainila Bank
EgyptArab Bank
JordanArab Bank
KuwaitAl Ahli Bank (ABK)
OmanBank Muscat
QatarQatar Islamic Bank
Saudi ArabiaSAB (Saudi Awwal Bank)
United Arab EmiratesFirst Abu Dhabi Bank (FAB)
Best Consumer Regional Sub-category Winners in North America
Best Integrated Consumer Banking SiteBank of America
Best Online Product OfferingsBank of America
Best Bill Payment and PresentmentTD Bank
Best User Experience (UX) DesignBank of America
Best Mobile Banking AppBMO
Best Mobile Banking Adaptive SiteCIBC
Best Information Security and Fraud ManagementTD Bank
Best Social Media Marketing and ServicesCIBC
Best in LendingTD Bank
Best in InnovationTD Bank
Best Open Banking APIsTD Bank
Best in TransformationTD Bank
Best Consumer Digital Banks in North America
CanadaTD Bank
United StatesBank of America
Best Consumer Regional Sub-category Winners in Western Europe
Best Integrated Consumer Banking SiteNordea
Best Online Product OfferingsCaixaBank
Best Bill Payment and PresentmentCaixaBank
Best User Experience (UX) DesignEurobank
Best Mobile Banking AppIsbank
Best Information Security and Fraud ManagementSwedbank
Best Social Media Marketing and Servicesimagin
(CaixaBank Group)
Best in LendingCaixaBank
Best in InnovationYapi Kredi Bank
Best Open Banking APIsMillennium BCP
Best in TransformationMillennium BCP
Best Consumer Digital Banks in Western Europe
CyprusBank of Cyprus
DenmarkNordea
FinlandNordea
GreeceEurobank
IrelandBank of Ireland
PortugalMillennium BCP
SpainCaixaBank
SwedenSwedbank
TurkeyIsbank
United KingdomCoutts
Best Consumer Digital Banks
Regional Sub-category Winners by Country, Territory, District
AFRICA
Ethiopia
Best Integrated Consumer Banking SiteDashen Bank
Best Online Product OfferingsDashen Bank
Best Bill Payment and PresentmentDashen Bank
Best User Experience (UX) DesignDashen Bank
Best Mobile Banking AppDashen Bank
Best Mobile Banking Adaptive SiteDashen Bank
Best Information Security and Fraud ManagementDashen Bank
Best Social Media Marketing and ServicesDashen Bank
Best in LendingDashen Bank
Best in InnovationDashen Bank
Best Open Banking APIsDashen Bank
Best in TransformationDashen Bank
South Africa
Best User Experience (UX) DesignFirst National Bank
Best Mobile Banking AppFirst National Bank
Best Information Security and Fraud ManagementFirst National Bank
Best in TransformationFirst National Bank
Tanzania
Best Mobile Banking AppCRDB Bank
ASIA-PACIFIC
Bangladesh
Best Mobile Banking AppMutual Trust Bank
Best in InnovationMutual Trust Bank
Best Open Banking APIsMutual Trust Bank
China
Best Online Product OfferingsBank of East Asia
Best User Experience (UX) DesignBank of East Asia
Best Mobile Banking AppBank of China (Hong Kong)
Best in InnovationBank of East Asia
Indonesia
Best Mobile Banking AppPT Bank UOB Indonesia
Best Social Media Marketing and ServicesPT Bank UOB Indonesia
Japan
Best in InnovationRakuten Bank
Malaysia
Best Online Product OfferingsMaybank
Best Mobile Banking AppUnited Overseas Bank
Mongolia
Best in InnovationGolomt Bank
Philippines
Best Mobile Banking AppMaya
Singapore
Best Integrated Consumer Banking SiteDBS
Best Online Product OfferingsMaybank
Best User Experience (UX) DesignDBS
Best Mobile Banking AppDBS
Best Mobile Banking Adaptive SiteDBS
Best in InnovationUOB TMRW
Sri Lanka
Best Integrated Consumer Banking SiteHSBC
Best Online Product OfferingsCommercial Bank of Ceylon
Best User Experience (UX) DesignHSBC
Best Mobile Banking AppHSBC
Best Information Security and Fraud ManagementHSBC
Taiwan
Best Integrated Consumer Banking SiteCTBC
Best Online Product OfferingsTaiwan Business Bank (TBB)
Best Bill Payment and PresentmentCTBC
Best User Experience (UX) DesignCathay United Bank
Best Mobile Banking AppTaiwan Business Bank (TBB)
Best Information Security and Fraud ManagementTaipei Fubon Bank
Best Open Banking APIsCTBC
Best in TransformationTaiwan Business Bank (TBB)
Thailand
Best Online Product OfferingsSiam Commercial Bank
Best in LendingSiam Commercial Bank
Vietnam
Best Mobile Banking AppTechcombank
Central & Eastern Europe
Albania
Best in TransformationRaiffeisen Bank Albania
Armenia
Best Online Product OfferingsAmeriabank
Best Mobile Banking AppEvocabank
Best Information Security and Fraud ManagementAmeriabank
Best Social Media Marketing and ServicesEvocabank
Best in LendingAmeriabank
Best in InnovationAmeriabank
Best in TransformationAmeriabank
Belarus
Best Integrated Consumer Banking SitePriorbank
Best Mobile Banking AppPriorbank
Best Social Media Marketing and ServicesPriorbank
Best in InnovationPriorbank
Best Open Banking APIsPriorbank
Bosnia and Herzegovina
Best in TransformationRaiffeisen Bank dd Sarajevo
Bulgaria
Best Mobile Banking AppUBB
Georgia
Best Integrated Consumer Banking SiteBank of Georgia
Best Online Product OfferingsBank of Georgia
Best Bill Payment and PresentmentBank of Georgia
Best User Experience (UX) DesignBank of Georgia
Best Mobile Banking AppBank of Georgia
Best Mobile Banking Adaptive SiteBank of Georgia
Best Information Security and Fraud ManagementBank of Georgia
Best Social Media Marketing and ServicesBank of Georgia
Best in LendingBank of Georgia
Best in InnovationBank of Georgia
Best Open Banking APIsBank of Georgia
Best in TransformationBank of Georgia
Hungary
Best Integrated Consumer Banking SiteOTP Bank
Best Online Product OfferingsOTP Bank
Best User Experience (UX) DesignOTP Bank
Best Mobile Banking AppGranit Bank
Best Mobile Banking Adaptive SiteGranit Bank
Best Information Security and Fraud ManagementOTP Bank
Best Social Media Marketing and ServicesGranit Bank
Best in LendingOTP Bank
Best in InnovationOTP Bank
Best Open Banking APIsOTP Bank
Best in TransformationOTP Bank
Kosovo
Best in TransformationRaiffeisen Bank Kosovo
Poland
Best Online Product OfferingsBank Millennium
Best User Experience (UX) DesignBank Millennium
Best Mobile Banking AppBank Millennium
Best Information Security and Fraud ManagementBank Millennium
Best in LendingBank Millennium
Best in InnovationNest Bank
Best in TransformationBank Millennium
Serbia
Best Online Product OfferingsRaiffeisen Banka
Best Mobile Banking AppRaiffeisen Banka
Best in InnovationRaiffeisen Banka
Slovakia
Best Integrated Consumer Banking SiteTatra banka
Best Online Product OfferingsTatra banka
Best User Experience (UX) DesignTatra banka
Best Mobile Banking AppTatra banka
Best Mobile Banking Adaptive SiteTatra banka
Best in InnovationTatra banka
Best Open Banking APIsTatra banka
LATIN AMERICA
Argentina
Best Integrated Consumer Banking SiteBanco Santander
Best Online Product OfferingsBanco Santander
Best Bill Payment and PresentmentBanco Santander
Best User Experience (UX) DesignBanco Santander
Best Mobile Banking AppBanco Santander
Best Mobile Banking Adaptive SiteBanco Santander
Best Information Security and Fraud ManagementBanco Santander
Best Social Media Marketing and ServicesBanco Santander
Best in LendingBanco Santander
Best in InnovationBanco Santander
Best Open Banking APIsBanco Santander
Best in TransformationBanco Santander
Bahamas
Best Mobile Banking AppScotiabank
Barbados
Best Online Product OfferingsSagicor Bank Barbados
Best Bill Payment and PresentmentSagicor Bank Barbados
Best User Experience (UX) DesignSagicor Bank Barbados
Best Mobile Banking AppScotiabank
Best Information Security and Fraud ManagementSagicor Bank Barbados
Best Social Media Marketing and ServicesSagicor Bank Barbados
Best in LendingSagicor Bank Barbados
Best in InnovationSagicor Bank Barbados
Brazil
Best Mobile Banking AppMercado Pago
Best in LendingMercado Pago
Cayman Islands
Best Mobile Banking AppScotiabank
Chile
Best Integrated Consumer Banking SiteBanco Bci
Best User Experience (UX) DesignBanco Bci
Best Mobile Banking AppBanco Bci
Best Social Media Marketing and ServicesBanco Bci
Colombia
Best Integrated Consumer Banking SiteBancolombia
Best Online Product OfferingsBancolombia
Best Bill Payment and PresentmentBancolombia
Best User Experience (UX) DesignBanco de Bogotá
Best Mobile Banking AppBanco de Bogotá
Best Mobile Banking Adaptive SiteBancolombia
Best Information Security and Fraud ManagementBancolombia
Best Social Media Marketing and ServicesBanco de Bogotá
Best in LendingBanco de Bogotá
Best in InnovationBancolombia
Best in TransformationBancolombia
Dominican Republic
Best User Experience (UX) DesignQik Banco Digital Dominicano
Best Mobile Banking AppBanco Popular Dominicano
Best Social Media Marketing and ServicesQik Banco Digital Dominicano
Best in LendingQik Banco Digital Dominicano
Guyana
Best Mobile Banking AppScotiabank
Jamaica
Best Mobile Banking AppScotiabank
Mexico
Best Online Product OfferingsCitibanamex
Best Bill Payment and PresentmentCitibanamex
Best User Experience (UX) DesignCitibanamex
Best Mobile Banking AppCitibanamex
Best Mobile Banking Adaptive SiteCitibanamex
Best in LendingCitibanamex
Best in InnovationCitibanamex
Best Open Banking APIsCitibanamex
Best in TransformationCitibanamex
Paraguay
Best Integrated Consumer Banking SiteItaú Unibanco
Best Bill Payment and PresentmentItaú Unibanco
Best Mobile Banking AppItaú Unibanco
Best Mobile Banking Adaptive SiteItaú Unibanco
Best in LendingItaú Unibanco
Best in InnovationItaú Unibanco
Puerto Rico
Best Integrated Consumer Banking SiteBanco Popular de Puerto Rico
Best Mobile Banking AppBanco Popular de Puerto Rico
Best Mobile Banking Adaptive SiteBanco Popular de Puerto Rico
Best Social Media Marketing and ServiceBanco Popular de Puerto Rico
Trinidad and Tobago
Best Mobile Banking AppScotiabank
Turks and Caicos
Best Mobile Banking AppScotiabank
Uruguay
Best Integrated Consumer Banking SiteBanco Itaú Uruguay
Best Online Product OfferingsBanco Itaú Uruguay
Best Bill Payment and PresentmentBanco Itaú Uruguay
Best User Experience (UX) DesignScotiabank
Best Mobile Banking AppBanco Itaú Uruguay
Best Information Security and Fraud ManagementScotiabank
Best in InnovationBanco Itaú Uruguay
Best in TransformationScotiabank
MIDDLE EAST
Bahrain
Best Online Product OfferingsAhli United Bank
Best User Experience (UX) Designila Bank
Best Mobile Banking AppAhli United Bank
Best Social Media Marketing and Servicesila Bank
Best in Innovationila Bank
Best Open Banking APIsila Bank
Best in Transformationila Bank
Egypt
Best Online Product OfferingsAbu Dhabi Commercial Bank – Egypt
Best Mobile Banking AppNational Bank of Egypt
Best Information Security and Fraud ManagementAbu Dhabi Commercial Bank – Egypt
Best in TransformationAbu Dhabi Commercial Bank – Egypt
Jordan
Best Integrated Consumer Banking SiteArab Bank
Best Online Product OfferingsArab Bank
Best Bill Payment and PresentmentArab Bank
Best User Experience (UX) DesignArab Bank
Best Mobile Banking AppArab Bank
Best Mobile Banking Adaptive SiteArab Bank
Best Information Security and Fraud ManagementBank al Etihad
Best Social Media Marketing and ServicesArab Bank
Best in LendingArab Bank
Best in InnovationArab Bank
Best Open Banking APIsArab Bank
Best in TransformationBank al Etihad
Kuwait
Best Online Product OfferingsNBK
Best Bill Payment and PresentmentNBK
Best User Experience (UX) DesignAl Ahli Bank (ABK)
Best Mobile Banking AppNBK
Best Mobile Banking Adaptive SiteAl Ahli Bank (ABK)
Best Information Security and Fraud ManagementWeyay Bank
Best Social Media Marketing and ServicesGulf Bank
Best in LendingNBK
Best in InnovationNBK
Best in TransformationAl Ahli Bank (ABK)
Oman
Best Mobile Banking AppBank Muscat
Qatar
Best Online Product OfferingsQatar Islamic Bank
Best Bill Payment and PresentmentDoha Bank
Best User Experience (UX) DesignQatar Islamic Bank
Best Mobile Banking AppCommercial Bank of Qatar
Best Information Security and Fraud ManagementQatar Islamic Bank
Best Social Media Marketing and ServicesQatar Islamic Bank
Best in LendingQatar Islamic Bank
Best in InnovationDukhan Bank
Best in TransformationDoha Bank
Saudi Arabia
Best Integrated Consumer Banking SiteSaudi National Bank (SNB)
Best Online Product OfferingsSaudi National Bank (SNB)
Best Bill Payment and PresentmentSAB (Saudi Awwal Bank)
Best User Experience (UX) DesignSaudi National Bank (SNB)
Best Mobile Banking AppSAB (Saudi Awwal Bank)
Best Mobile Banking Adaptive SiteSAB (Saudi Awwal Bank)
Best Information Security and Fraud ManagementSaudi National Bank (SNB)
Best Social Media Marketing and ServicesSAB (Saudi Awwal Bank)
Best in LendingSaudi National Bank (SNB)
Best in InnovationSaudi National Bank (SNB)
Best Open Banking APIsAlinma Bank
Best in TransformationAlinma Bank
United Arab Emirates
Best User Experience (UX) DesignFirst Abu Dhabi Bank (FAB)
Best Mobile Banking AppHSBC
Best in InnovationFirst Abu Dhabi Bank (FAB)
Best in TransformationFirst Abu Dhabi Bank (FAB)
NORTH AMERICA
Canada
Best Integrated Consumer Banking SiteTD Bank
Best Online Product OfferingsCIBC
Best Bill Payment and PresentmentTD Bank
Best User Experience (UX) DesignCIBC
Best Mobile Banking AppBMO
Best Mobile Banking Adaptive SiteCIBC
Best Information Security and Fraud ManagementTD Bank
Best Social Media Marketing and ServicesCIBC
Best in LendingTD Bank
Best in InnovationTD Bank
Best Open Banking APIsTD Bank
Best in TransformationTD Bank
United States
Best Integrated Consumer Banking SiteBank of America
Best Online Product OfferingsBank of America
Best User Experience (UX) DesignBank of America
Best Mobile Banking AppBank of America
Best in InnovationBank of America
WESTERN EUROPE
Cyprus
Best Integrated Consumer Banking SiteAstrobank
Best Online Product OfferingsBank of Cyprus
Best Mobile Banking AppBank of Cyprus
Best Social Media Marketing and ServicesBank of Cyprus
Best in TransformationAstrobank
Denmark
Best Integrated Consumer Banking SiteNordea
Best Online Product OfferingsNordea
Best User Experience (UX) DesignNordea
Best Mobile Banking AppNordea
Best in TransformationNordea
Finland
Best Integrated Consumer Banking SiteNordea
Best Online Product OfferingsNordea
Best User Experience (UX) DesignNordea
Best Mobile Banking AppNordea
Best in TransformationNordea
Greece
Best Online Product OfferingsEurobank
Best User Experience (UX) DesignEurobank
Best Mobile Banking AppEurobank
Best Social Media Marketing and ServicesEurobank
Best in InnovationEurobank
Best Open Banking APIsEurobank
Best in TransformationEurobank
Ireland
Best User Experience (UX) DesignBank of Ireland
Best in InnovationBank of Ireland
Best in TransformationBank of Ireland
Portugal
Best User Experience (UX) DesignMillennium BCP
Best Mobile Banking AppCaixa Geral de Depósitos (CGD)
Best Information Security and Fraud ManagementMillennium BCP
Best Social Media Marketing and ServicesMillennium BCP
Best in LendingMillennium BCP
Best in InnovationMillennium BCP
Best Open Banking APIsMillennium BCP
Best in TransformationMillennium BCP
Spain
Best Integrated Consumer Banking SiteCaixaBank
Best Online Product OfferingsCaixaBank
Best Bill Payment and PresentmentCaixaBank
Best User Experience (UX) Designimagin (Caixa Bank Group)
Best Mobile Banking AppSantander
Best Information Security and Fraud ManagementCaixaBank
Best Social Media Marketing and Servicesimagin (Caixa Bank Group)
Best in LendingCaixaBank
Best Open Banking APIsCaixaBank
Best in TransformationCaixaBank
Sweden
Best Integrated Consumer Banking SiteNordea
Best Online Product OfferingsNordea
Best User Experience (UX) DesignNordea
Best Mobile Banking AppSwedbank
Best Information Security and Fraud ManagementSwedbank
Best in TransformationNordea
Turkey
Best Integrated Consumer Banking SiteYapi Kredi Bank
Best Online Product OfferingsIsbank
Best User Experience (UX) DesignQNB Finansbank
Best Mobile Banking AppIsbank
Best in LendingIsbank
Best in InnovationYapi Kredi Bank
Best Open Banking APIsIsbank
Best in TransformationIsbank
United Kingdom
Best User Experience (UX) DesignCoutts
Best Islamic Digital Banks 2024
BahrainBahrain Islamic Bank
JordanIslamic International Arab Bank
KuwaitBoubyan Bank
MoroccoBank Al Yousr
OmanBank Muscat
QatarQatar Islamic Bank
United Arab EmiratesAbu Dhabi Islamic Bank
arrow-chevron-right-redarrow-chevron-rightbutton-arrow-left-greybutton-arrow-left-red-400button-arrow-left-red-500button-arrow-left-red-600button-arrow-left-whitebutton-arrow-right-greybutton-arrow-right-red-400button-arrow-right-red-500button-arrow-right-red-600button-arrow-right-whitecaret-downcaret-rightclosecloseemailfacebook-square-holdfacebookhamburger-newhamburgerinstagramlinkedin-square-1linkedinpauseplaysearch-outlinesearchsubscribe-digitalsubscribe-printtwitter-square-holdtwitteryoutube