This year’s winners highlight the banks that are leading digital transformation in the corporate and institutional sector.
From a secure digital-only platform to top-tier fraud management and an integrated platform, the following institutions are redefining client experience, security, and efficiency.
Winners are driving innovation in payments, embedded finance, and artificial intelligence, demonstrating a commitment to advanced, client-centric digital services across global markets.
Best Digital-Only Bank
Sagicor Bank Barbados
Sagicor Bank offers a seamless, secure, cloud-based corporate online banking platform. Clients can easily manage accounts and loans, as well as initiate diverse payments (high/low value, instant, bill, or tax) via ACH, RTGS, and RTP. The platform features robust approval matrices, bulk uploads, and integration with over 100 bill-payment vendors. Enhanced security includes card locking, customizable alerts, and transaction blocking. Clients benefit from real-time updates, monitoring, paperless onboarding, and automated document management across all devices. Sagicor Bank addresses Caribbean-client pain points: speed, convenience, transparency, and security, reducing corporate onboarding from three months to two weeks with 100% digital processes.
Best Bank for Embedded Finance
BBVA
BBVA uses embedded finance based on APIs to offer simple, immediate, and relevant banking solutions where partners need them,
supporting both individuals’ life goals and businesses’ operational needs. Examples include a reverse-factoring API, embedded vehicle financing, and treasury APIs for small and midsize enterprises (SMEs).
Best Open Banking APIs/ Best Digital Payments Strategy
DBS Bank
DBS Bank’s strategy is to build infrastructure that offers adaptable, integrated cross-border payment solutions across client segments. The platform provides comprehensive services, utilizing rail-level intelligence and embedded foreign-exchange (FX) certainty (e.g., its payments-rail optimizer and SecureFX). This ensures scalability, real-time liquidity insights, modular services, and efficiency powered by generative AI for global transactions, supporting businesses ranging from SMEs to large corporations.
DBS RAPID (“Real-time API by DBS”) drives digital transformation with industry-first API solutions, boasting over 1,300 digital mandates and 900 million corporate API calls. Innovations include Taiwan’s first API-based instant FX with online regulatory declaration, a bond API for Indonesian corporate clients, and distributor-finance APIs enabling seamless replication of solutions from China to Indonesia.
Best Trade Finance Services
Millennium BCP
Millennium BCP provides importers and exporters with a complete digital trade-finance experience via the bank’s corporate home-banking portal. Clients can digitally manage guarantees and standby letters of credit (creation, amendment, real-time tracking, and document upload) and open-account/export-finance workflows through a unified dashboard, eliminating branch visits and reducing turnaround times. Paperless features include a built-in document manager, structured templates, and e-signatures. Real-time alerts and connectivity between enterprise resource planning (ERP) systems and APIs minimize manual data entry and consequent errors.
Best Online Treasury & Cash Management Services
Arab Bank
Arab Bank provides essential real-time financial insights via dashboard analytics, covering cash flow, receivables, and payables, for informed decision-making. Core functionalities include domestic or international wire transfers, payroll, real-time currency exchange, priority online transaction processing, and streamlined management of multiple holding company accounts under a single multicurrency login. Features like swift/check image extraction, statement retrieval, transaction reporting, real-time payment alerts, automated bill settlement, and external account integration ensure effective working capital management. Seamless transaction processing is supported by host-to-host and API banking. Additionally, Arab Bank uses big data, predictive analytics, and AI to identify missed opportunities.
Best Online/User Experience (UX) Portal
Eurobank
Eurobank delivers a superior, personalized digital banking experience focused on simplicity, speed, and intelligence. The clean interface efficiently manages all banking needs, from routine to complex tasks, with minimal training. Advanced analytics provide tailored product suggestions and financial advice. Personalized, real-time, configurable dashboards offer instant insights into balances and transactions, featuring role-based access and multiuser workflows. Consistent structure ensures effortless omnichannel navigation. Frictionless, paperless onboarding is available in 30 countries. Smart features, including single sign-on, e-signing, and smart search streamline task execution. The platform is consistent across browsers, supports multilanguage and accessibility standards, and includes embedded features like virtual assistants and real-time chat, with mobile responsiveness enhancing the on-the-go user experience.
Best Integrated Corporate Banking Platform
Isbank
Isbank’s integrated corporate banking platform enhances working capital via real-time visibility, predictive insights, and seamless execution. The platform’s service-oriented architecture supports multicurrency, cross-border, and compliant 24/7 operations across all digital channels, ensuring an omnichannel experience. Straight-through processing accelerates payments and settlements for quicker liquidity. An AI-powered cash flow management tool visualizes cash flow and creates short-term financial projections. Treasurers access a real-time balance dashboard. Maxi, the bank’s AI virtual assistant, offers instant multiplatform help. Isbank’s platform delivers flexibility, speed, and intelligence to improve clients’ cash positioning and financial planning.
Best Information Security and Fraud Management
Citi
Citi’s Treasury and Trade Solutions ensures top-tier security using layered defenses: technology, strict processes, and client collaboration. Key security pillars include advanced technology like data analytics, behavioral biometrics, multifactor biometric authentication, and robust data encryption (at rest and in transit), meeting global privacy standards. Strong processes and controls cover entitlements, multilevel approval, locked beneficiary templates, and real-time session controls. Citi’s global intelligence and incident response provides 24/7 global threat intelligence, intrusion monitoring, and coordinated response through Citi’s Cyber Security Fusion Centers. Client advisory and education offer resources, training, and alerts on fraud, as well as best practices for strengthening the “first line of defense.” Active recovery includes dedicated global investigative teams to help clients recover lost funds.
Best Mobile Banking App
Revolut
Revolut Business is a unified global platform for banking, treasury, expense management, payments, and automation, eliminating traditional banking silos and prioritizing efficiency. The platform’s core innovation cuts costs by allowing businesses to hold or exchange more than 25 currencies at near interbank rates, minimizing FX and cross-border fees. It provides unique local accounts for easier global payments and fast, inexpensive transfers. Businesses can issue instant physical or virtual corporate cards with granular spending limits and approval flows for real-time oversight. AI automation drastically reduces manual reconciliation by matching receipts. Revolut acts as a complete finance management center, featuring integrated invoicing and various payment options. It smoothly synchronizes to accounting platforms such as Xero, QuickBooks, and Sage. Revolut’s Business API connects to internal systems.
Best in Social Media Marketing and Services
TBC Bank
TBC’s marketing focuses on awareness and performance. Awareness promotes the Business Mobile Bank app as an intuitive financial gateway. Performance drives conversions by highlighting added-value features such as a free startup business plan that has boosted onboarding by 20%. AppsFlyer tracks and analyzes social media, email, and SMS campaigns for data-driven optimization.
Most Innovative Digital Bank
Bank of America
Bank of America invests $13 billion annually in technology, leveraging AI and machine learning for a personalized, high-tech, high-touch client-and-employee experience. Erica, the bank’s AI virtual assistant, serves over 20 million users with over 3 billion interactions, expanding beyond retail to support Merrill and corporate clients (via CashPro Chat) as well as internal IT and HR tasks. This cross-functional scalability establishes Erica as a core AI platform. The bank holds over 8,000 patent-pending applications in AI, cybersecurity, and mobile banking, reflecting a focus on forward-thinking solutions and continued strategic investment for personalized, proactive advice.
Best SME Banking/SME Platform
CTBC
CTBC’s SME Digital Platform offers end-to-end digitization and AI-driven personalized service, addressing key SME needs like rapid financing and complex cash flow. The bank provides a fast, convenient, and feature-rich digital experience that simplifies daily operations, with 24/7 digital financing, real-time financial oversight, advanced AI data analytics, and payment facilitation.
Best in Transformation
Bank of Georgia
Bank of Georgia (BOG) clients can use digital onboarding to open accounts and access tools instantly, removing the need for branch visits. Open banking and embedded APIs facilitate automated payments, account reconciliation, and ERP integration, enhancing efficiency. AI and alternative credit scoring enable instant loan approvals, cutting business-lending time from hours to seconds. Furthermore, SMEs can now quickly obtain and submit online guarantees integrated with the State Procurement Agency. BOG’s Ads Manager helps SMEs run targeted, analytics-driven campaigns. Revenue Service integration offers direct digital access to public services. Machine learning constantly improves personalized recommendations and fraud prevention, while chat and video banking provide real-time support.
