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Digital transformation in the banking sector has moved from simply updating outdated systems to becoming a key strategy for boosting profitability.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.
Best Consumer Digital Banks Regional Sub-category Winners: |
---|
Africa |
Asia-Pacific |
Central & Eastern Europe |
Latin America |
Middle East |
North America |
Western Europe |
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 App | CAC International Bank |
Best Corporate/Institutional Digital Banks in Africa | |
Algeria | Arab Bank |
Djibouti | CAC International Bank |
Morocco | Arab Bank |
Best Corporate/Institutional Regional Sub-category Winners in Asia-Pacific | |
Best Online Investment Management Services | DBS |
Best Online Cash Management Services | DBS |
Best Trade Finance Services | DBS |
Best Online Treasury Services | DBS |
Best Online User Experience (UX) Portal | DBS |
Best Integrated Corporate Banking Platform | Techcombank |
Best Information Security and Fraud Management | Taipei Fubon Bank |
Best Mobile Banking Adaptive Site | DBS |
Best Mobile Banking App | DBS |
Best Social Media Marketing and Services | Home Credit Bank Business |
Best in Innovation | CTBC |
Best Open Banking APIs | DBS |
Best SME Banking/SME Platform | Taishin Bank |
Best in Transformation | Techcombank |
Best Corporate/Institutional Digital Banks in Asia-Pacific | |
China | ICBC |
Kazakhstan | Home Credit Bank Business |
Singapore | DBS |
Taiwan | Cathay United Bank |
Vietnam | Techcombank |
Best Corporate/Institutional Regional Sub-category Winners in Central and Eastern Europe | |
Best Online Investment Management Services | Bank of Georgia |
Best Online Cash Management Services | Bank of Georgia |
Best Trade Finance Services | Bank of Georgia |
Best Online Treasury Services | Bank of Georgia |
Best Online User Experience (UX) Portal | Bank of Georgia |
Best Integrated Corporate Banking Platform | Bank of Georgia |
Best Information Security and Fraud Management | Bank of Georgia |
Best Mobile Banking Adaptive Site | Bank of Georgia |
Best Mobile Banking App | mBank |
Best Social Media Marketing and Services | Bank of Georgia |
Best in Innovation | Bank of Georgia |
Best Open Banking APIs | Bank of Georgia |
Best SME Banking/SME Platform | Bank Millennium |
Best in Transformation | Bank of Georgia |
Best Corporate/Institutional Digital Banks in Central and Eastern Europe | |
Armenia | Evocabank |
Belarus | Priorbank |
Georgia | Bank of Georgia |
Poland | mBank |
Slovakia | Tatra banka |
Best Corporate/Institutional Regional Sub-category Winners in Latin America | |
Best Online Cash Management Services | Bancolombia |
Best Trade Finance Services | Banco Bci |
Best Online Treasury Services | Banco Bci |
Best Online User Experience (UX) Portal | Bancolombia |
Best Integrated Corporate Banking Platform | Bancolombia |
Best Information Security and Fraud Management | Citibanamex |
Best Social Media Marketing and Services | Bancolombia |
Best in Innovation | Bancolombia |
Best SME Banking/SME Platform | Mercado Pago |
Best in Transformation | Bancolombia |
Best Corporate/Institutional Digital Banks in Latin America | |
Argentina | Citi |
Brazil | Mercado Pago |
Chile | Banco Bci |
Colombia | Bancolombia |
Dominican Republic | Banreservas |
Mexico | Citibanamex |
Panama | Citi |
Uruguay | Banco Itaú Uruguay |
Best Corporate/Institutional Regional Sub-category Winners in the Middle East | |
Best Online Cash Management Services | Arab Bank |
Best Trade Finance Services | First Abu Dhabi Bank (FAB) |
Best Online Treasury Services | First Abu Dhabi Bank (FAB) |
Best Online User Experience (UX) Portal | Qatar Islamic Bank |
Best Integrated Corporate Banking Platform | Saudi National Bank (SNB) |
Best Information Security and Fraud Management | Saudi National Bank (SNB) |
Best Mobile Banking Adaptive Site | Dukhan Bank |
Best Mobile Banking App | Arab Bank |
Best in Innovation | Qatar Islamic Bank |
Best Open Banking APIs | Riyad Bank |
Best SME Banking/SME Platform | Bank al Etihad |
Best in Transformation | QDB |
Best Corporate/Institutional Digital Banks in the Middle East | |
Bahrain | Arab Bank |
Egypt | Arab Bank |
Jordan | Arab Bank |
Kuwait | Boubyan Bank |
Oman | Bank Muscat |
Qatar | Qatar Islamic Bank |
Saudi Arabia | Saudi National Bank (SNB) |
United Arab Emirates | Arab Bank |
Best Corporate/Institutional Regional Sub-category Winners in North America | |
Best Online Cash Management Services | PNC Bank |
Best Online Treasury Services | PNC Bank |
Best Online User Experience (UX) Portal | PNC Bank |
Best Integrated Corporate Banking Platform | PNC Bank |
Best Information Security and Fraud Management | Citi |
Best in Innovation | Citi |
Best SME Banking/SME Platform | PNC Bank |
Best in Transformation | Citi |
Best Corporate/Institutional Regional Sub-category Winners in North America | |
Canada | Citi |
United States | Citi |
Best Corporate/Institutional Regional Sub-category Winners in Western Europe | |
Best Online Cash Management Services | National Bank of Greece |
Best Trade Finance Services | Isbank |
Best Online Treasury Services | National Bank of Greece |
Best Online User Experience (UX) Portal | Intesa Sanpaolo |
Best Integrated Corporate Banking Platform | QNB Finansbank |
Best Information Security and Fraud Management | CaixaBank |
Best Mobile Banking Adaptive Site | Isbank |
Best Mobile Banking App | Eurobank |
Best in Innovation | Kuveyt Turk |
Best Open Banking APIs | BBVA |
Best SME Banking/SME Platform | Santander |
Best in Transformation | Millennium BCP |
Best Corporate/Institutional Regional Sub-category Winners in Western Europe | |
Cyprus | Bank of Cyprus |
Denmark | Nordea |
Finland | Nordea |
Greece | Eurobank |
Italy | Intesa Sanpaolo |
Norway | Nordea |
Portugal | Banco BPI |
Spain | Santander |
Sweden | Nordea |
Turkey | Isbank |
United Kingdom | Bank of America |
Best Corporate/Institutional Digital Banks Sub-category Country, Territory, District Winners | |
---|---|
AFRICA | |
Djibouti | |
Best Mobile Banking App | CAC International Bank |
ASIA-PACIFIC | |
Kazakhstan | |
Best Online Treasury Services | Home Credit Bank Business |
Best Information Security and Fraud Management | Home Credit Bank Business |
Best Mobile Banking App | Home Credit Bank Business |
Best Social Media Marketing and Services | Home Credit Bank Business |
Best SME Banking/SME Platform | Home Credit Bank Business |
Best in Transformation | Home Credit Bank Business |
Singapore | |
Best Online Investment Management Services | DBS |
Best Online Cash Management Services | DBS |
Best Trade Finance Services | DBS |
Best Online Treasury Services | DBS |
Best Online User Experience (UX) Portal | DBS |
Best Integrated Corporate Banking Platform | DBS |
Best Information Security and Fraud Management | DBS |
Best Mobile Banking Adaptive Site | DBS |
Best Mobile Banking App | DBS |
Best Social Media Marketing and Services | DBS |
Best in Innovation | DBS |
Best Open Banking APIs | DBS |
Best SME Banking/SME Platform | DBS |
Best in Transformation | DBS |
Taiwan | |
Best Integrated Corporate Banking Platform | CTBC |
Best Information Security and Fraud Management | Taipei Fubon Bank |
Best in Innovation | CTBC |
Best SME Banking/SME Platform | Taishin Bank |
Vietnam | |
Best Integrated Corporate Banking Platform | Techcombank |
Best in Transformation | Techcombank |
CENTRAL & EASTERN EUROPE | |
Armenia | |
Best SME Banking/SME Platform | Ameriabank |
Belarus | |
Best Online Cash Management Services | Priorbank |
Best Integrated Corporate Banking Platform | Priorbank |
Best Social Media Marketing and Services | Priorbank |
Best in Innovation | Priorbank |
Best Open Banking APIs | Priorbank |
Best SME Banking/SME Platform | Priorbank |
Georgia | |
Best Online Investment Management Services | Bank of Georgia |
Best Online Cash Management Services | Bank of Georgia |
Best Trade Finance Services | Bank of Georgia |
Best Online Treasury Services | Bank of Georgia |
Best Online User Experience (UX) Portal | Bank of Georgia |
Best Integrated Corporate Banking Platform | Bank of Georgia |
Best Information Security and Fraud Management | Bank of Georgia |
Best Mobile Banking Adaptive Site | Bank of Georgia |
Best Mobile Banking App | Bank of Georgia |
Best Social Media Marketing and Services | Bank of Georgia |
Best in Innovation | Bank of Georgia |
Best Open Banking APIs | Bank of Georgia |
Best SME Banking/SME Platform | Bank of Georgia |
Best in Transformation | Bank of Georgia |
Poland | |
Best Trade Finance Services | Bank Millennium |
Best Information Security and Fraud Management | Bank Millennium |
Best Mobile Banking App | mBank |
Best in Innovation | mBank |
Best SME Banking/SME Platform | Bank Millennium |
Best in Transformation | Bank Millennium |
Slovakia | |
Best SME Banking/SME Platform | Tatra banka |
LATIN AMERICA | |
Argentina | |
Best Information Security and Fraud Management | Citi |
Best in Innovation | Citi |
Brazil | |
Best Information Security and Fraud Management | Citi |
Best in Innovation | Citi |
Best SME Banking/SME Platform | Mercado Pago |
Chile | |
Best Trade Finance Services | Banco Bci |
Best Online Treasury Services | Banco Bci |
Colombia | |
Best Online Cash Management Services | Bancolombia |
Best Online User Experience (UX) Portal | Bancolombia |
Best Integrated Corporate Banking Platform | Bancolombia |
Best Information Security and Fraud Management | Bancolombia |
Best Social Media Marketing and Services | Bancolombia |
Best in Innovation | Bancolombia |
Best SME Banking/SME Platform | Bancolombia |
Best in Transformation | Bancolombia |
Mexico | |
Best Information Security and Fraud Management | Citibanamex |
Best in Innovation | Citibanamex |
Panama | |
Best Information Security and Fraud Management | Citi |
Best in Transformation | Citi |
Uruguay | |
Best Online Treasury Services | Banco Itaú Uruguay |
Best Online User Experience (UX) Portal | Banco Itaú Uruguay |
Best Integrated Corporate Banking Platform | Banco Itaú Uruguay |
Best in Innovation | Banco Itaú Uruguay |
MIDDLE EAST | |
Jordan | |
Best Online Cash Management Services | Arab Bank |
Best Trade Finance Services | Arab Bank |
Best Mobile Banking App | Arab Bank |
Best SME Banking/SME Platform | Bank al Etihad |
Kuwait | |
Best SME Banking/SME Platform | Boubyan Bank |
Oman | |
Best Trade Finance Services | Bank Muscat |
Qatar | |
Best Online User Experience (UX) Portal | Qatar Islamic Bank |
Best Mobile Banking Adaptive Site | Dukhan Bank |
Best Mobile Banking App | Qatar Islamic Bank |
Best in Innovation | Qatar Islamic Bank |
Best SME Banking/SME Platform | QDB |
Best in Transformation | QDB |
Saudi Arabia | |
Best Online Cash Management Services | Saudi National Bank (SNB) |
Best Trade Finance Services | Saudi National Bank (SNB) |
Best Online User Experience (UX) Portal | Saudi National Bank (SNB) |
Best Integrated Corporate Banking Platform | Saudi National Bank (SNB) |
Best Information Security and Fraud Management | Saudi National Bank (SNB) |
Best Mobile Banking App | Saudi National Bank (SNB) |
Best Open Banking APIs | Riyad Bank |
Best SME Banking/SME Platform | Saudi National Bank (SNB) |
Best in Transformation | Saudi National Bank (SNB) |
United Arab Emirates | |
Best Online Cash Management Services | First Abu Dhabi Bank (FAB) |
Best Trade Finance Services | First Abu Dhabi Bank (FAB) |
Best Online Treasury Services | First Abu Dhabi Bank (FAB) |
Best Online User Experience (UX) Portal | First Abu Dhabi Bank (FAB) |
Best Integrated Corporate Banking Platform | First Abu Dhabi Bank (FAB) |
Best Mobile Banking App | First Abu Dhabi Bank (FAB) |
Best in Innovation | First Abu Dhabi Bank (FAB) |
Best Open Banking APIs | First Abu Dhabi Bank (FAB) |
NORTH AMERICA | |
Canada | |
Best Information Security and Fraud Management | Citi |
Best in Innovation | Citi |
Best in Transformation | Citi |
United States | |
Best Online Cash Management Services | PNC Bank |
Best Online Treasury Services | PNC Bank |
Best Online User Experience (UX) Portal | PNC Bank |
Best Integrated Corporate Banking Platform | PNC Bank |
Best Information Security and Fraud Management | Citi |
Best in Innovation | Citi |
Best SME Banking/SME Platform | PNC Bank |
Best in Transformation | Citi |
WESTERN EUROPE | |
Denmark | |
Best Mobile Banking App | Nordea |
Best SME Banking/SME Platform | Nordea |
Finland | |
Best Mobile Banking App | Nordea |
Best SME Banking/SME Platform | Nordea |
Greece | |
Best Online Cash Management Services | National Bank of Greece |
Best Trade Finance Services | Eurobank |
Best Online Treasury Services | National Bank of Greece |
Best Mobile Banking App | Eurobank |
Best Open Banking APIs | National Bank of Greece |
Italy | |
Best Online Treasury Services | Intesa Sanpaolo |
Best Online User Experience (UX) Portal | Intesa Sanpaolo |
Norway | |
Best Mobile Banking App | Nordea |
Best SME Banking/SME Platform | Nordea |
Portugal | |
Best Online Treasury Services | Banco BPI |
Best Information Security and Fraud Management | Millennium BCP |
Best in Innovation | Banco BPI |
Best Open Banking APIs | Millennium BCP |
Best SME Banking/SME Platform | Banco BPI |
Best in Transformation | Millennium BCP |
Spain | |
Best Online Cash Management Services | CaixaBank |
Best Information Security and Fraud Management | CaixaBank |
Best Mobile Banking App | BBVA |
Best in Innovation | BBVA |
Best Open Banking APIs | BBVA |
Best SME Banking/SME Platform | Santander |
Best in Transformation | CaixaBank |
Sweden | |
Best Mobile Banking App | Nordea |
Best SME Banking/SME Platform | Nordea |
Turkey | |
Best Online Cash Management Services | Isbank |
Best Trade Finance Services | Isbank |
Best Integrated Corporate Banking Platform | QNB Finansbank |
Best Mobile Banking Adaptive Site | Isbank |
Best Mobile Banking App | Isbank |
Best in Innovation | Kuveyt Turk |
Best SME Banking/SME Platform | TEB Bank |
United Kingdom | |
Best in Innovation | Bank of America |
Best Consumer Digital Banks Regional Sub-category Winners | |
---|---|
Best Consumer Regional Sub-category Winners in Africa | |
Best Integrated Consumer Banking Site | Dashen Bank |
Best Online Product Offerings | Dashen Bank |
Best Bill Payment and Presentment | Dashen Bank |
Best User Experience (UX) Design | First National Bank |
Best Mobile Banking App | First National Bank |
Best Mobile Banking Adaptive Site | Dashen Bank |
Best Information Security and Fraud Management | First National Bank |
Best Social Media Marketing and Services | Dashen Bank |
Best in Lending | Dashen Bank |
Best in Innovation | Dashen Bank |
Best Open Banking APIs | Dashen Bank |
Best in Transformation | First National Bank |
Best Consumer Digital Banks in Africa | |
Ethiopia | Dashen Bank |
South Africa | First National Bank |
Tanzania | CRDB Bank |
Best Consumer Regional Sub-category Winners in Asia-Pacific | |
Best Integrated Consumer Banking Site | CTBC |
Best Online Product Offerings | Taiwan Business Bank (TBB) |
Best Bill Payment and Presentment | CTBC |
Best User Experience (UX) Design | Bank of East Asia |
Best Mobile Banking App | DBS |
Best Mobile Banking Adaptive Site | DBS |
Best Information Security and Fraud Management | Taipei Fubon Bank |
Best Social Media Marketing and Services | PT Bank UOB Indonesia |
Best in Lending | Siam Commercial Bank |
Best in Innovation | UOB TMRW |
Best Open Banking APIs | Mutual Trust Bank |
Best in Transformation | Taipei Fubon Bank |
Best Consumer Digital Banks in Asia-Pacific | |
Bangladesh | Mutual Trust Bank |
Cambodia | Cathay United Bank – Cambodia (CUBC) |
China | ICBC |
Indonesia | Maybank |
Japan | Rakuten Bank |
Kazakhstan | Home Credit Bank Business |
Malaysia | Maybank |
Mongolia | Golomt Bank |
Philippines | Maya |
Singapore | DBS |
Sri Lanka | HSBC |
Taiwan | Taiwan Business Bank (TBB) |
Thailand | Siam Commercial Bank |
Vietnam | Techcombank |
Best Consumer Regional Sub-category Winners in Central & Eastern Europe | |
Best Integrated Consumer Banking Site | OTP Bank |
Best Online Product Offerings | Bank of Georgia |
Best Bill Payment and Presentment | Bank of Georgia |
Best User Experience (UX) Design | OTP Bank |
Best Mobile Banking App | Bank of Georgia |
Best Mobile Banking Adaptive Site | Tatra banka |
Best Information Security and Fraud Management | Bank Millennium |
Best Social Media Marketing and Services | Granit Bank |
Best in Lending | Bank of Georgia |
Best in Innovation | Bank of Georgia |
Best Open Banking APIs | Tatra banka |
Best in Transformation | Bank Millennium |
Best Consumer Digital Banks in Central and Eastern Europe | |
Albania | Raiffeisen Bank Albania |
Armenia | Evocabank |
Belarus | Priorbank |
Bosnia and Herzegovina | Raiffeisen Bank Sarajevo |
Bulgaria | UniCredit Bulbank |
Georgia | Bank of Georgia |
Hungary | OTP Bank |
Kosovo | Raiffeisen Bank Kosovo |
Poland | Bank Millennium |
Serbia | Raiffeisen banka |
Slovakia | Tatra banka |
Best Consumer Regional Sub-category Winners in Latin America | |
Best Integrated Consumer Banking Site | Bancolombia |
Best Online Product Offerings | Citibanamex |
Best Bill Payment and Presentment | Banco Santander |
Best User Experience (UX) Design | Citibanamex |
Best Mobile Banking App | Banco Bci |
Best Mobile Banking Adaptive Site | Bancolombia |
Best Information Security and Fraud Management | Sagicor Bank Barbados |
Best Social Media Marketing and Services | Banco de Bogotá |
Best in Lending | Sagicor Bank Barbados |
Best in Innovation | Bancolombia |
Best Open Banking APIs | Citibanamex |
Best in Transformation | Bancolombia |
Best Consumer Digital Banks in Latin America | |
Argentina | Banco Santander |
Bahamas | Scotiabank |
Barbados | Sagicor Bank Barbados |
Brazil | Mercado Pago |
Cayman Islands | Scotiabank |
Chile | Banco Bci |
Colombia | Bancolombia |
Dominican Republic | Banco Popular Dominicano |
Guyana | Scotiabank |
Jamaica | Scotiabank |
Mexico | Citibanamex |
Paraguay | Itaú Unibanco |
Puerto Rico | Banco Popular de Puerto Rico |
Trinidad and Tobago | Scotiabank |
Turks and Caicos | Scotiabank |
Uruguay | Banco Itaú Uruguay |
Best Consumer Regional Sub-category Winners in the Middle East | |
Best Integrated Consumer Banking Site | Arab Bank |
Best Online Product Offerings | NBK |
Best Bill Payment and Presentment | Arab Bank |
Best User Experience (UX) Design | Al Ahli Bank (ABK) |
Best Mobile Banking App | Commercial Bank of Qatar |
Best Mobile Banking Adaptive Site | SAB (Saudi Awwal Bank) |
Best Information Security and Fraud Management | Qatar Islamic Bank |
Best Social Media Marketing and Services | Qatar Islamic Bank |
Best in Lending | Saudi National Bank (SNB) |
Best in Innovation | NBK |
Best Open Banking APIs | ila Bank |
Best in Transformation | Alinma Bank |
Best Consumer Digital Banks in the Middle East | |
Bahrain | ila Bank |
Egypt | Arab Bank |
Jordan | Arab Bank |
Kuwait | Al Ahli Bank (ABK) |
Oman | Bank Muscat |
Qatar | Qatar Islamic Bank |
Saudi Arabia | SAB (Saudi Awwal Bank) |
United Arab Emirates | First Abu Dhabi Bank (FAB) |
Best Consumer Regional Sub-category Winners in North America | |
Best Integrated Consumer Banking Site | Bank of America |
Best Online Product Offerings | Bank of America |
Best Bill Payment and Presentment | TD Bank |
Best User Experience (UX) Design | Bank of America |
Best Mobile Banking App | BMO |
Best Mobile Banking Adaptive Site | CIBC |
Best Information Security and Fraud Management | TD Bank |
Best Social Media Marketing and Services | CIBC |
Best in Lending | TD Bank |
Best in Innovation | TD Bank |
Best Open Banking APIs | TD Bank |
Best in Transformation | TD Bank |
Best Consumer Digital Banks in North America | |
Canada | TD Bank |
United States | Bank of America |
Best Consumer Regional Sub-category Winners in Western Europe | |
Best Integrated Consumer Banking Site | Nordea |
Best Online Product Offerings | CaixaBank |
Best Bill Payment and Presentment | CaixaBank |
Best User Experience (UX) Design | Eurobank |
Best Mobile Banking App | Isbank |
Best Information Security and Fraud Management | Swedbank |
Best Social Media Marketing and Services | imagin (CaixaBank Group) |
Best in Lending | CaixaBank |
Best in Innovation | Yapi Kredi Bank |
Best Open Banking APIs | Millennium BCP |
Best in Transformation | Millennium BCP |
Best Consumer Digital Banks in Western Europe | |
Cyprus | Bank of Cyprus |
Denmark | Nordea |
Finland | Nordea |
Greece | Eurobank |
Ireland | Bank of Ireland |
Portugal | Millennium BCP |
Spain | CaixaBank |
Sweden | Swedbank |
Turkey | Isbank |
United Kingdom | Coutts |
Best Consumer Digital Banks Regional Sub-category Winners by Country, Territory, District | |
---|---|
AFRICA | |
Ethiopia | |
Best Integrated Consumer Banking Site | Dashen Bank |
Best Online Product Offerings | Dashen Bank |
Best Bill Payment and Presentment | Dashen Bank |
Best User Experience (UX) Design | Dashen Bank |
Best Mobile Banking App | Dashen Bank |
Best Mobile Banking Adaptive Site | Dashen Bank |
Best Information Security and Fraud Management | Dashen Bank |
Best Social Media Marketing and Services | Dashen Bank |
Best in Lending | Dashen Bank |
Best in Innovation | Dashen Bank |
Best Open Banking APIs | Dashen Bank |
Best in Transformation | Dashen Bank |
South Africa | |
Best User Experience (UX) Design | First National Bank |
Best Mobile Banking App | First National Bank |
Best Information Security and Fraud Management | First National Bank |
Best in Transformation | First National Bank |
Tanzania | |
Best Mobile Banking App | CRDB Bank |
ASIA-PACIFIC | |
Bangladesh | |
Best Mobile Banking App | Mutual Trust Bank |
Best in Innovation | Mutual Trust Bank |
Best Open Banking APIs | Mutual Trust Bank |
China | |
Best Online Product Offerings | Bank of East Asia |
Best User Experience (UX) Design | Bank of East Asia |
Best Mobile Banking App | Bank of China (Hong Kong) |
Best in Innovation | Bank of East Asia |
Indonesia | |
Best Mobile Banking App | PT Bank UOB Indonesia |
Best Social Media Marketing and Services | PT Bank UOB Indonesia |
Japan | |
Best in Innovation | Rakuten Bank |
Malaysia | |
Best Online Product Offerings | Maybank |
Best Mobile Banking App | United Overseas Bank |
Mongolia | |
Best in Innovation | Golomt Bank |
Philippines | |
Best Mobile Banking App | Maya |
Singapore | |
Best Integrated Consumer Banking Site | DBS |
Best Online Product Offerings | Maybank |
Best User Experience (UX) Design | DBS |
Best Mobile Banking App | DBS |
Best Mobile Banking Adaptive Site | DBS |
Best in Innovation | UOB TMRW |
Sri Lanka | |
Best Integrated Consumer Banking Site | HSBC |
Best Online Product Offerings | Commercial Bank of Ceylon |
Best User Experience (UX) Design | HSBC |
Best Mobile Banking App | HSBC |
Best Information Security and Fraud Management | HSBC |
Taiwan | |
Best Integrated Consumer Banking Site | CTBC |
Best Online Product Offerings | Taiwan Business Bank (TBB) |
Best Bill Payment and Presentment | CTBC |
Best User Experience (UX) Design | Cathay United Bank |
Best Mobile Banking App | Taiwan Business Bank (TBB) |
Best Information Security and Fraud Management | Taipei Fubon Bank |
Best Open Banking APIs | CTBC |
Best in Transformation | Taiwan Business Bank (TBB) |
Thailand | |
Best Online Product Offerings | Siam Commercial Bank |
Best in Lending | Siam Commercial Bank |
Vietnam | |
Best Mobile Banking App | Techcombank |
Central & Eastern Europe | |
Albania | |
Best in Transformation | Raiffeisen Bank Albania |
Armenia | |
Best Online Product Offerings | Ameriabank |
Best Mobile Banking App | Evocabank |
Best Information Security and Fraud Management | Ameriabank |
Best Social Media Marketing and Services | Evocabank |
Best in Lending | Ameriabank |
Best in Innovation | Ameriabank |
Best in Transformation | Ameriabank |
Belarus | |
Best Integrated Consumer Banking Site | Priorbank |
Best Mobile Banking App | Priorbank |
Best Social Media Marketing and Services | Priorbank |
Best in Innovation | Priorbank |
Best Open Banking APIs | Priorbank |
Bosnia and Herzegovina | |
Best in Transformation | Raiffeisen Bank dd Sarajevo |
Bulgaria | |
Best Mobile Banking App | UBB |
Georgia | |
Best Integrated Consumer Banking Site | Bank of Georgia |
Best Online Product Offerings | Bank of Georgia |
Best Bill Payment and Presentment | Bank of Georgia |
Best User Experience (UX) Design | Bank of Georgia |
Best Mobile Banking App | Bank of Georgia |
Best Mobile Banking Adaptive Site | Bank of Georgia |
Best Information Security and Fraud Management | Bank of Georgia |
Best Social Media Marketing and Services | Bank of Georgia |
Best in Lending | Bank of Georgia |
Best in Innovation | Bank of Georgia |
Best Open Banking APIs | Bank of Georgia |
Best in Transformation | Bank of Georgia |
Hungary | |
Best Integrated Consumer Banking Site | OTP Bank |
Best Online Product Offerings | OTP Bank |
Best User Experience (UX) Design | OTP Bank |
Best Mobile Banking App | Granit Bank |
Best Mobile Banking Adaptive Site | Granit Bank |
Best Information Security and Fraud Management | OTP Bank |
Best Social Media Marketing and Services | Granit Bank |
Best in Lending | OTP Bank |
Best in Innovation | OTP Bank |
Best Open Banking APIs | OTP Bank |
Best in Transformation | OTP Bank |
Kosovo | |
Best in Transformation | Raiffeisen Bank Kosovo |
Poland | |
Best Online Product Offerings | Bank Millennium |
Best User Experience (UX) Design | Bank Millennium |
Best Mobile Banking App | Bank Millennium |
Best Information Security and Fraud Management | Bank Millennium |
Best in Lending | Bank Millennium |
Best in Innovation | Nest Bank |
Best in Transformation | Bank Millennium |
Serbia | |
Best Online Product Offerings | Raiffeisen Banka |
Best Mobile Banking App | Raiffeisen Banka |
Best in Innovation | Raiffeisen Banka |
Slovakia | |
Best Integrated Consumer Banking Site | Tatra banka |
Best Online Product Offerings | Tatra banka |
Best User Experience (UX) Design | Tatra banka |
Best Mobile Banking App | Tatra banka |
Best Mobile Banking Adaptive Site | Tatra banka |
Best in Innovation | Tatra banka |
Best Open Banking APIs | Tatra banka |
LATIN AMERICA | |
Argentina | |
Best Integrated Consumer Banking Site | Banco Santander |
Best Online Product Offerings | Banco Santander |
Best Bill Payment and Presentment | Banco Santander |
Best User Experience (UX) Design | Banco Santander |
Best Mobile Banking App | Banco Santander |
Best Mobile Banking Adaptive Site | Banco Santander |
Best Information Security and Fraud Management | Banco Santander |
Best Social Media Marketing and Services | Banco Santander |
Best in Lending | Banco Santander |
Best in Innovation | Banco Santander |
Best Open Banking APIs | Banco Santander |
Best in Transformation | Banco Santander |
Bahamas | |
Best Mobile Banking App | Scotiabank |
Barbados | |
Best Online Product Offerings | Sagicor Bank Barbados |
Best Bill Payment and Presentment | Sagicor Bank Barbados |
Best User Experience (UX) Design | Sagicor Bank Barbados |
Best Mobile Banking App | Scotiabank |
Best Information Security and Fraud Management | Sagicor Bank Barbados |
Best Social Media Marketing and Services | Sagicor Bank Barbados |
Best in Lending | Sagicor Bank Barbados |
Best in Innovation | Sagicor Bank Barbados |
Brazil | |
Best Mobile Banking App | Mercado Pago |
Best in Lending | Mercado Pago |
Cayman Islands | |
Best Mobile Banking App | Scotiabank |
Chile | |
Best Integrated Consumer Banking Site | Banco Bci |
Best User Experience (UX) Design | Banco Bci |
Best Mobile Banking App | Banco Bci |
Best Social Media Marketing and Services | Banco Bci |
Colombia | |
Best Integrated Consumer Banking Site | Bancolombia |
Best Online Product Offerings | Bancolombia |
Best Bill Payment and Presentment | Bancolombia |
Best User Experience (UX) Design | Banco de Bogotá |
Best Mobile Banking App | Banco de Bogotá |
Best Mobile Banking Adaptive Site | Bancolombia |
Best Information Security and Fraud Management | Bancolombia |
Best Social Media Marketing and Services | Banco de Bogotá |
Best in Lending | Banco de Bogotá |
Best in Innovation | Bancolombia |
Best in Transformation | Bancolombia |
Dominican Republic | |
Best User Experience (UX) Design | Qik Banco Digital Dominicano |
Best Mobile Banking App | Banco Popular Dominicano |
Best Social Media Marketing and Services | Qik Banco Digital Dominicano |
Best in Lending | Qik Banco Digital Dominicano |
Guyana | |
Best Mobile Banking App | Scotiabank |
Jamaica | |
Best Mobile Banking App | Scotiabank |
Mexico | |
Best Online Product Offerings | Citibanamex |
Best Bill Payment and Presentment | Citibanamex |
Best User Experience (UX) Design | Citibanamex |
Best Mobile Banking App | Citibanamex |
Best Mobile Banking Adaptive Site | Citibanamex |
Best in Lending | Citibanamex |
Best in Innovation | Citibanamex |
Best Open Banking APIs | Citibanamex |
Best in Transformation | Citibanamex |
Paraguay | |
Best Integrated Consumer Banking Site | Itaú Unibanco |
Best Bill Payment and Presentment | Itaú Unibanco |
Best Mobile Banking App | Itaú Unibanco |
Best Mobile Banking Adaptive Site | Itaú Unibanco |
Best in Lending | Itaú Unibanco |
Best in Innovation | Itaú Unibanco |
Puerto Rico | |
Best Integrated Consumer Banking Site | Banco Popular de Puerto Rico |
Best Mobile Banking App | Banco Popular de Puerto Rico |
Best Mobile Banking Adaptive Site | Banco Popular de Puerto Rico |
Best Social Media Marketing and Service | Banco Popular de Puerto Rico |
Trinidad and Tobago | |
Best Mobile Banking App | Scotiabank |
Turks and Caicos | |
Best Mobile Banking App | Scotiabank |
Uruguay | |
Best Integrated Consumer Banking Site | Banco Itaú Uruguay |
Best Online Product Offerings | Banco Itaú Uruguay |
Best Bill Payment and Presentment | Banco Itaú Uruguay |
Best User Experience (UX) Design | Scotiabank |
Best Mobile Banking App | Banco Itaú Uruguay |
Best Information Security and Fraud Management | Scotiabank |
Best in Innovation | Banco Itaú Uruguay |
Best in Transformation | Scotiabank |
MIDDLE EAST | |
Bahrain | |
Best Online Product Offerings | Ahli United Bank |
Best User Experience (UX) Design | ila Bank |
Best Mobile Banking App | Ahli United Bank |
Best Social Media Marketing and Services | ila Bank |
Best in Innovation | ila Bank |
Best Open Banking APIs | ila Bank |
Best in Transformation | ila Bank |
Egypt | |
Best Online Product Offerings | Abu Dhabi Commercial Bank – Egypt |
Best Mobile Banking App | National Bank of Egypt |
Best Information Security and Fraud Management | Abu Dhabi Commercial Bank – Egypt |
Best in Transformation | Abu Dhabi Commercial Bank – Egypt |
Jordan | |
Best Integrated Consumer Banking Site | Arab Bank |
Best Online Product Offerings | Arab Bank |
Best Bill Payment and Presentment | Arab Bank |
Best User Experience (UX) Design | Arab Bank |
Best Mobile Banking App | Arab Bank |
Best Mobile Banking Adaptive Site | Arab Bank |
Best Information Security and Fraud Management | Bank al Etihad |
Best Social Media Marketing and Services | Arab Bank |
Best in Lending | Arab Bank |
Best in Innovation | Arab Bank |
Best Open Banking APIs | Arab Bank |
Best in Transformation | Bank al Etihad |
Kuwait | |
Best Online Product Offerings | NBK |
Best Bill Payment and Presentment | NBK |
Best User Experience (UX) Design | Al Ahli Bank (ABK) |
Best Mobile Banking App | NBK |
Best Mobile Banking Adaptive Site | Al Ahli Bank (ABK) |
Best Information Security and Fraud Management | Weyay Bank |
Best Social Media Marketing and Services | Gulf Bank |
Best in Lending | NBK |
Best in Innovation | NBK |
Best in Transformation | Al Ahli Bank (ABK) |
Oman | |
Best Mobile Banking App | Bank Muscat |
Qatar | |
Best Online Product Offerings | Qatar Islamic Bank |
Best Bill Payment and Presentment | Doha Bank |
Best User Experience (UX) Design | Qatar Islamic Bank |
Best Mobile Banking App | Commercial Bank of Qatar |
Best Information Security and Fraud Management | Qatar Islamic Bank |
Best Social Media Marketing and Services | Qatar Islamic Bank |
Best in Lending | Qatar Islamic Bank |
Best in Innovation | Dukhan Bank |
Best in Transformation | Doha Bank |
Saudi Arabia | |
Best Integrated Consumer Banking Site | Saudi National Bank (SNB) |
Best Online Product Offerings | Saudi National Bank (SNB) |
Best Bill Payment and Presentment | SAB (Saudi Awwal Bank) |
Best User Experience (UX) Design | Saudi National Bank (SNB) |
Best Mobile Banking App | SAB (Saudi Awwal Bank) |
Best Mobile Banking Adaptive Site | SAB (Saudi Awwal Bank) |
Best Information Security and Fraud Management | Saudi National Bank (SNB) |
Best Social Media Marketing and Services | SAB (Saudi Awwal Bank) |
Best in Lending | Saudi National Bank (SNB) |
Best in Innovation | Saudi National Bank (SNB) |
Best Open Banking APIs | Alinma Bank |
Best in Transformation | Alinma Bank |
United Arab Emirates | |
Best User Experience (UX) Design | First Abu Dhabi Bank (FAB) |
Best Mobile Banking App | HSBC |
Best in Innovation | First Abu Dhabi Bank (FAB) |
Best in Transformation | First Abu Dhabi Bank (FAB) |
NORTH AMERICA | |
Canada | |
Best Integrated Consumer Banking Site | TD Bank |
Best Online Product Offerings | CIBC |
Best Bill Payment and Presentment | TD Bank |
Best User Experience (UX) Design | CIBC |
Best Mobile Banking App | BMO |
Best Mobile Banking Adaptive Site | CIBC |
Best Information Security and Fraud Management | TD Bank |
Best Social Media Marketing and Services | CIBC |
Best in Lending | TD Bank |
Best in Innovation | TD Bank |
Best Open Banking APIs | TD Bank |
Best in Transformation | TD Bank |
United States | |
Best Integrated Consumer Banking Site | Bank of America |
Best Online Product Offerings | Bank of America |
Best User Experience (UX) Design | Bank of America |
Best Mobile Banking App | Bank of America |
Best in Innovation | Bank of America |
WESTERN EUROPE | |
Cyprus | |
Best Integrated Consumer Banking Site | Astrobank |
Best Online Product Offerings | Bank of Cyprus |
Best Mobile Banking App | Bank of Cyprus |
Best Social Media Marketing and Services | Bank of Cyprus |
Best in Transformation | Astrobank |
Denmark | |
Best Integrated Consumer Banking Site | Nordea |
Best Online Product Offerings | Nordea |
Best User Experience (UX) Design | Nordea |
Best Mobile Banking App | Nordea |
Best in Transformation | Nordea |
Finland | |
Best Integrated Consumer Banking Site | Nordea |
Best Online Product Offerings | Nordea |
Best User Experience (UX) Design | Nordea |
Best Mobile Banking App | Nordea |
Best in Transformation | Nordea |
Greece | |
Best Online Product Offerings | Eurobank |
Best User Experience (UX) Design | Eurobank |
Best Mobile Banking App | Eurobank |
Best Social Media Marketing and Services | Eurobank |
Best in Innovation | Eurobank |
Best Open Banking APIs | Eurobank |
Best in Transformation | Eurobank |
Ireland | |
Best User Experience (UX) Design | Bank of Ireland |
Best in Innovation | Bank of Ireland |
Best in Transformation | Bank of Ireland |
Portugal | |
Best User Experience (UX) Design | Millennium BCP |
Best Mobile Banking App | Caixa Geral de Depósitos (CGD) |
Best Information Security and Fraud Management | Millennium BCP |
Best Social Media Marketing and Services | Millennium BCP |
Best in Lending | Millennium BCP |
Best in Innovation | Millennium BCP |
Best Open Banking APIs | Millennium BCP |
Best in Transformation | Millennium BCP |
Spain | |
Best Integrated Consumer Banking Site | CaixaBank |
Best Online Product Offerings | CaixaBank |
Best Bill Payment and Presentment | CaixaBank |
Best User Experience (UX) Design | imagin (Caixa Bank Group) |
Best Mobile Banking App | Santander |
Best Information Security and Fraud Management | CaixaBank |
Best Social Media Marketing and Services | imagin (Caixa Bank Group) |
Best in Lending | CaixaBank |
Best Open Banking APIs | CaixaBank |
Best in Transformation | CaixaBank |
Sweden | |
Best Integrated Consumer Banking Site | Nordea |
Best Online Product Offerings | Nordea |
Best User Experience (UX) Design | Nordea |
Best Mobile Banking App | Swedbank |
Best Information Security and Fraud Management | Swedbank |
Best in Transformation | Nordea |
Turkey | |
Best Integrated Consumer Banking Site | Yapi Kredi Bank |
Best Online Product Offerings | Isbank |
Best User Experience (UX) Design | QNB Finansbank |
Best Mobile Banking App | Isbank |
Best in Lending | Isbank |
Best in Innovation | Yapi Kredi Bank |
Best Open Banking APIs | Isbank |
Best in Transformation | Isbank |
United Kingdom | |
Best User Experience (UX) Design | Coutts |