Banks are fighting to differentiate themselves digitally with a plethora of new, non-traditional services for corporate clients and individual consumers.
When Ant Financial refers to Alipay, its digital wallet and payments solution, as a lifestyle platform, it’s neither an oversight or an overestimation. Users can hail taxis, book hotels, buy movie tickets, pay utility bills, make appointments with doctors and purchase wealth management products directly from the app. Alipay’s evolution from a digital wallet to a lifestyle enabler has attracted 700 million active users in China, helping it become the most used app in the world, excluding social media.
Alipay also provided banks a glimpse of the dangers posed by Amazon, Google and Facebook, should they expand into financial services with a similar array of offerings that match lifestyles rather than dispensing generic, off-the-shelf banking products.
Data is the key to providing personalized lifestyle services, says Christian Ball, head of retail, GFT UK, which designs IT solutions for financial services companies; whether through aggregation or enhanced information, banks must be able to provide a competitive customer experience. “In the next 12 months or so, that’s going to end up being a me-too,” he says, so while it’s critically important, it’s not going to move the needle on bank performance: because they are all going to have to have it.”
Rather than simply helping customers buy a house by selling them a mortgage, going forward, banks could also offer the same customer other services related to a home move such as solicitor valuations, decorating, building and furniture, Ball suggests.
Methodology |
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The winners of the Global Finance Best Digital Bank Awards are chosen based on entries provided by financial institutions. Entrants are judged on breadth of product offerings, success in migrating customers to digital platforms, acquiring and retaining new customers, and the use of 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. |
As well as tapping into the financial demands underlining major life moments, banks can help customers live their daily lives, wherever it impacts their finances. Russia’s Tinkoff Bank, for example, which notched eight wins in this year’s Best Digital Bank Awards, including Best Corporate/Institutional Information Security and Fraud Management, recently acquired a stake in Kassir.ru, a Russian ticketing service, so it can offer customers a choice of movie, theater and concert bookings. A new Entertainment section to the Tinkoff.ru platform also allows customers make restaurant reservations.
Compatriot Sberbank, which took five awards, leverages customer data, algorithms and machine learning to power its Sberbank Online app. For example, the main screen now displays action cards. Algorithms use AI to analyse the preferences of clients under 1,000 parameters and offer the variants that are most relevant to each user.
A new app from Thailand’s United Overseas Bank, TMRW, helped the bank earn Most Innovative Digital Bank for Consumers. TMRW crosses into the world of games by letting customers grow their own virtual city though saving, encouraging active use of the app. TMRW also reminds customers of important payments coming up and displays their spending patterns, encouraging them to make smarter spending and saving decisions.
To hammer home the active role that banks can play in customer lifestyles, Emirates NBD Bank, which won three awards in the UAE, launched its Liv app, which offers services designed around the customer’s lifestyle, education, finances, mental and physical well-being. When customers exceeded their spending limit, Liv recommends free activities.
Chatbot Armies
Earlier this year, Liv added Olivia, an artificial intelligence (AI)-powered chatbot. Olivia joins an ever-growing regiment of virtual assistants, including Standard Chartered’s Stacy; Tinkoff’s Oleg, Aida, from Sweden’s SEB; and TD’s Clari. Bank of America’s chatbot, Erica is a veritable virtual assistant veteran, having surpassed 6 million users and completed more than 35 million client requests as of last March.
These chatbots use available customer data to provide an instant self-service channel for customers, which banks hope will change the way they interact with their financial services providers over time. Standard Chartered’s Stacy, for example, has been trained to answer over 400 banking-related questions and learns through each interaction how to further fine-tune its capabilities.
“TD’s investment in conversational AI is part of our strategy to empower customers with deeper insights into their financial decisions as they make everyday purchases or prepare for big life moments,” Rizwan Khalfan, TD’s chief digital and payments officer, said on launching Clari early this year. TD took home four Consumer awards in the North American region this year.
Pairing data collected from customers with predictive analytics opens the way for other innovative services; TD, for example, offers a digital program that identifies customers who could save money by shifting to a different type of account. Predictive analytics can also help banks in customer service, marketing and security. Advanced data analytics help determine whether transactions flowing through the bank’s systems match a client-specific behavior profile and issue alerts when fraud is suspected.
Application programming interfaces (APIs) help banks move away from legacy integration limitations, allowing them to add services, products and capabilities for corporates as well as customers. Citi Treasury Trade Services (TTS), for example, provides real-time data to business clients via API with its CitiConnect API Developer Portal and file testing portals. Corporate clients receive real-time information and payment capabilities delivered via APIs directly to their back offices.Citi, which invests heavily in digital, earned numerous Digital Bank Awards.
Information portals, debuted by DBS with the launch of Treasury Prism in 2017, are opening up another new dimension of service for corporate clients. DBS has likewise invested heavily in digital banking and won multiple awards, including Most Innovative Digital Bank on the Corporate/Institutional side.
AI is also helping banks tailor new information services for clients in specific industries. Dubai-based Mashreq Bank, which won two awards this year, partnered with publisher MEED (formerly Middle East Economic Digest) last year to launch an industry-specific portal providing unique and specialized content for the construction sector while Citi recently launched an information portal that informs clients about industry-specific trends and issues that could impact their business. Citi’s Knowledge Exchange Center enables clients to access the latest TTS market intelligence across geographies, products and sectors.
Documentation And The Cloud
Banks are venturing even farther afield in the quest to differentiate their digital services from the competition. With robotic process automation, for example, banks can help stem the tide of paper into corporate treasury departments by simplifying, streamlining, automating and digitalizing more processes. Automation and cognitive technologies accelerate business growth by enhancing digital customer experiences, improving operational efficiencies and increasing staff productivity.
In December 2018, Tinkoff Business began offering Document Builder, whose 1,400 templates help entrepreneurs to rapidly create legally accurate documents within a short time, from an application to register as a sole proprietor to a power of attorney. Tinkoff Accounts, a mobile app for sole proprietors, allows easy filling in and filing of tax returns, including an electronic signature. Tinkoff Business even offers a website builder that enables companies and entrepreneurs to create new websites in minutes.
Poland’s mBank, Best Digital Bank in Poland, is developing a “branch in the cloud” to support clients’ operational needs, including video face-to-face interaction and an “ebanking desktop,” that provides video connection to mBank’s relationship managers, foreign exchange, trade finance and cash management specialists.
The need to keep delivering new digital solutions is driving banks to foster innovation. In 2014, Wells Fargo launched its Startup Accelerator, a hands-on program that create solutions for financial institutions and enterprise customers. Citi Ventures is Citi’s vehicle to hook up with fintech talent while BBVA’s API_Market provides fintechs and other third parties a sandbox to test products in synergy with the bank.
Innovation tends to focus on improving the cost, speed, security and convenience of solutions for banks and their clients. Biometric authentication via fingertips, facial and voice recognition not only provide greater security but save customers time and effort. Digitalization helps banks sell products at a lower cost. While competition will continue to be fierce, continuing development of digital innovations will be critical for banks.
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WORLD’S BEST DIGITAL BANKS 2019 — ROUND 1 BEST DIGITAL CORPORATE/INSTITUTIONAL BANKS |
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Africa — Country Winners |
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|---|---|
| Algeria | Citi |
| Cameroon | Citi |
| Congo (DRC) | Citi |
| Côte d’Ivoire | Citi |
| Djibouti | CAC International Bank |
| Gabon | Citi |
| Ghana | Ecobank |
| Kenya | Citi |
| Morocco | Citi |
| Mozambique | Banco Unico |
| Nigeria | Citi |
| Senegal | Citi |
| South Africa | Citi |
| Tanzania | Citi |
| Tunisia | Citi |
| Uganda | Citi |
| Zambia | Citi |
Africa — Regional Sub-Category Winners |
|
|---|---|
| Best Online Cash Management | Citi |
| Best Information Security and Fraud Management | Millennium BIM |
| Best in Mobile Banking | Citi |
| Best Mobile Banking App | Citi |
| Most Innovative Digital Bank | Citi |
| Best Open Banking APIs | Citi |
Asia-Pacific — Country Winners |
|
|---|---|
| Australia | Citi |
| Bangladesh | Citi |
| China | Citi |
| Hong Kong | Citi |
| India | Citi |
| Indonesia | Citi |
| Japan | Citi |
| Malaysia | Citi |
| New Zealand | Citi |
| Pakistan | Citi |
| Philippines | Citi |
| Singapore | Citi |
| South Korea | Citi |
| Sri Lanka | Citi |
| Taiwan | Citi |
| Thailand | Citi |
| Vietnam | Citi |
Asia-Pacific — Regional Sub-Category Winners |
|
|---|---|
| Best Online Cash Management | Citi |
| Best Trade Finance Services | Citi |
| Best Online Portal Services | DBS Bank |
| Best Online Treasury Services | Citi |
| Best in Mobile Banking | Citi |
| Best Mobile Banking App | Citi |
| Most Innovative Digital Bank | DBS Bank |
| Best Open Banking APIs | Citi |
Central and Eastern Europe — Country Winners |
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|---|---|
| Belarus | Alfa Bank |
| Bulgaria | Citi |
| Czech Republic | Citi |
| Estonia | SEB Estonia |
| Georgia | Bank of Georgia |
| Hungary | Citi |
| Kazakhstan | Citi |
| Latvia | SEB Latvia |
| Lithuania | SEB Lithuania |
| Poland | mBank |
| Romania | Citi |
| Russia | Tinkoff Bank |
| Slovakia | Citi |
| Ukraine | Citi |
Central and Eastern Europe — Regional Sub-Category Winners |
|
|---|---|
| Best Investment Management Services | Sberbank |
| Best Online Cash Management | Tinkoff Bank |
| Best Trade Finance Services | ING Bank |
| Best Online Portal Services | Tinkoff Bank |
| Best Integrated Corporate Banking Site | ING Bank |
| Best Information Security and Fraud Management | Tinkoff Bank |
| Best Online Treasury Services | Sberbank |
| Best in Mobile Banking | Bank of Georgia |
| Best in Social Media Marketing and Services | Sberbank |
| Best Mobile Banking App | Citi |
| Most Innovative Digital Bank | Citi |
| Best Open Banking APIs | Citi |
Latin America — Country Winners |
|
|---|---|
| Argentina | Citi |
| Bahamas | Citi |
| Brazil | Citi |
| Chile | Banco de Chile |
| Colombia | Citi |
| Costa Rica | Citi |
| Dominican Republic | Citi |
| Ecuador | Citi |
| El Salvador | Citi |
| Guatemala | Citi |
| Haiti | Citi |
| Honduras | Citi |
| Jamaica | Citi |
| Mexico | Citibanamex |
| Panama | Citi |
| Paraguay | Citi |
| Peru | Citi |
| Puerto Rico | Citi |
| Trinidad and Tobago | Citi |
| Uruguay | Citi |
Latin America — Regional Sub-Category Winners |
|
|---|---|
| Best Investment Management Services | Citi |
| Best Online Cash Management | Citi |
| Best Trade Finance Services | Citi |
| Best Online Portal Services | Banco de Chile |
| Best Integrated Corporate Banking Site | Citi |
| Best Information Security and Fraud Management | Bancolombia |
| Best Online Treasury Services | Citi |
| Best in Mobile Banking | Citi |
| Best in Social Media Marketing and Services | Citi |
| Best Mobile Banking App | Citi |
| Most Innovative Digital Bank | Citi |
| Best Open Banking APIs | Citi |
Middle East — Country Winners (With Sub-categories By Country) |
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|---|---|---|
| Bahrain | Best Overall Corporate/Institutional Digital Bank | Citi |
| Best Online Cash Management | Gulf International Bank | |
| Best Trade Finance Services | Ahli United Bank | |
| Most Innovative Digital Bank | Citi | |
| Best Open Banking APIs | Gulf International Bank | |
| Egypt | Best Overall Corporate/Institutional Digital Bank | Citi |
| Best Online Cash Management | Citi | |
| Best Trade Finance Services | CIB | |
| Best Online Portal Services | CIB | |
| Best Information Security and Fraud Management | CIB | |
| Most Innovative Digital Bank | Citi | |
| Best Open Banking APIs | Citi | |
| Israel | Best Overall Corporate/Institutional Digital Bank | Israel Discount Bank |
| Best Online Cash Management | Israel Discount Bank | |
| Jordan | Best Overall Corporate/Institutional Digital Bank | Citi |
| Best Online Cash Management | Arab Bank | |
| Best Trade Finance Services | Arab Bank | |
| Most Innovative Digital Bank | Citi | |
| Best Open Banking APIs | Citi | |
| Kuwait | Best Overall Corporate/Institutional Digital Bank | Citi |
| Best Online Cash Managemen | Ahli United Bank Kuwait | |
| Most Innovative Digital Bank | Citi | |
| Best Open Banking APIs | Citi | |
| Lebanon | Best Overall Corporate/Institutional Digital Bank | Citi |
| Best Online Cash Management | Citi | |
| Most Innovative Digital Bank | Citi | |
| Best Open Banking APIs | Citi | |
| Palestine | Best Overall Corporate/Institutional Digital Bank | Bank of Palestine |
| Best Online Cash Management | Bank of Palestine | |
| Best Integrated Corporate Banking Site | Bank of Palestine | |
| Most Innovative Digital Bank | Bank of Palestine | |
| Qatar | Best Overall Corporate/Institutional Digital Bank | Citi |
| Best Online Cash Management | Commercial Bank of Qatar | |
| Best Trade Finance Services | Commercial Bank of Qatar | |
| Best in Mobile Banking | Citi | |
| Best Mobile Banking App | Citi | |
| Most Innovative Digital Bank | Citi | |
| Best Open Banking APIs | Citi | |
| Saudi Arabia | Best Overall Corporate/Institutional Digital Bank | NCB |
| Best Investment Management Services | Samba | |
| Best Online Cash Management | Samba | |
| Best Trade Finance Services | Samba | |
| Best Online Portal Services | NCB | |
| Best Integrated Corporate Banking Site | NCB | |
| Best Information Security and Fraud Management | Samba | |
| Best Online Treasury Services | Samba | |
| Best in Mobile Banking | NCB | |
| Best Mobile Banking App | NCB | |
| Best in Social Media Marketing and Services | Samba | |
| Most Innovative Digital Bank | Samba | |
| Best Open Banking APIs | NCB | |
| UAE | Best Overall Corporate/Institutional Digital Bank | Citi |
| Best Online Cash Management | Abu Dhabi Islamic Bank | |
| Best Trade Finance Services | Abu Dhabi Commercial Bank | |
| Best Online Portal Services | Abu Dhabi Commercial Bank | |
| Best Integrated Corporate Banking Site | Abu Dhabi Islamic Bank | |
| Best in Mobile Banking | Citi | |
| Best Mobile Banking App | Citi | |
| Most Innovative Digital Bank | Mashreq | |
| Best Open Banking APIs | Citi | |
North America — Country Winners |
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|---|---|
| Canada | Citi |
| United States | Wells Fargo |
North America — Regional Sub-Category Winners |
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|---|---|
| Best Investment Management Services | Wells Fargo |
| Best Online Cash Management | Citi |
| Best Trade Finance Services | Wells Fargo |
| Best Online Portal Services | Wells Fargo |
| Best Integrated Corporate Banking Site | Wells Fargo |
| Best Information Security and Fraud Management | Wells Fargo |
| Best Online Treasury Services | Citi |
| Best in Mobile Banking | Wells Fargo |
| Best in Social Media Marketing and Services | Wells Fargo |
| Best Mobile Banking App | Wells Fargo |
| Most Innovative Digital Bank | Citi |
| Best Open Banking APIs | Citi |
Western Europe — Country Winners |
|
|---|---|
| Austria | Citi |
| Belgium | Citi |
| Denmark | Citi |
| Finland | Citi |
| France | Citi |
| Germany | Citi |
| Greece | Citi |
| Ireland | Citi |
| Italy | Citi |
| Luxembourg | Citi |
| Netherlands | Citi |
| Norway | Citi |
| Portugal | Citi |
| Spain | BBVA |
| Sweden | Citi |
| Switzerland | Citi |
| Turkey | Yapi Kredi Bank |
| United Kingdom | Citi |
Western Europe — Regional Sub-Category Winners |
|
|---|---|
| Best Online Cash Management | Citi |
| Best Integrated Corporate Banking Site | Novo Banco |
| Best Information Security and Fraud Management | Millennium bcp |
| Best Online Treasury Services | Yapi Kredi Bank |
| Best in Mobile Banking | Citi |
| Best Mobile Banking App | Citi |
| Most Innovative Digital Bank | Citi |
| Best Open Banking APIs | Citi |
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BEST DIGITAL CONSUMER BANKS |
|---|
Africa — Country Winners |
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|---|---|
| Botswana | Standard Chartered |
| Côte d’Ivoire | Standard Chartered |
| Djibouti | CAC International Bank |
| Ghana | Standard Chartered |
| Kenya | Standard Chartered |
| Mozambique | Banco Unico |
| Nigeria | Standard Chartered |
| Tanzania | Standard Chartered |
| Uganda | Standard Chartered |
| Zambia | Standard Chartered |
Africa — Regional Sub-Category Winners |
|
|---|---|
| Best Online Deposit, Credit and Investment Product Offerings | Standard Chartered |
| Best Bill Payment & Presentment | Standard Chartered |
| Best Web Site Design | Standard Chartered |
| Best Integrated Consumer Bank Site | Standard Chartered |
| Best Information Security and Fraud Management | Standard Chartered |
| Best in Mobile Banking | Standard Chartered |
| Best Mobile Banking App | Standard Chartered |
| Most Innovative Digital Bank | CAC International Bank |
| Best Open Banking APIs | Standard Chartered |
Asia-Pacific — Country Winners |
|
|---|---|
| Australia | Citi |
| Bangladesh | Standard Chartered |
| Brunei | Standard Chartered |
| China | Standard Chartered |
| Hong Kong | Bank of China Hong Kong |
| India | ICICI Bank |
| Indonesia | Standard Chartered |
| Japan | Rakuten Bank |
| Malaysia | Maybank |
| Mongolia | Golomt Bank |
| Nepal | Standard Chartered |
| Pakistan | Standard Chartered |
| Philippines | CIMB |
| Singapore | DBS Bank |
| South Korea | Standard Chartered |
| Sri Lanka | National Development Bank |
| Taiwan | Taipei Fubon Bank |
| Thailand | Siam Commercial Bank |
| Vietnam | Standard Chartered |
Asia-Pacific — Regional Sub-Category Winners |
|
|---|---|
| Best Online Deposit, Credit and Investment Product Offerings | Taipei Fubon Bank |
| Best Bill Payment & Presentment | Standard Chartered |
| Best Web Site Design | DBS Bank |
| Best Integrated Consumer Bank Site | DBS Bank |
| Best in Mobile Banking | Citi |
| Best Information Security and Fraud Management | Citi |
| Best in Social Media Marketing and Services | Taishin Bank |
| Best Mobile Banking App | Taipei Fubon Bank |
| Most Innovative Digital Bank | UOB |
| Best Mortgage Bank | DBS Bank |
| Best Open Banking APIs | Citi |
Central and Eastern Europe — Country Winners |
|
|---|---|
| Armenia | Evoca Bank |
| Belarus | Alfa Bank |
| Bulgaria | UniCredit Bulbank |
| Estonia | SEB Estonia |
| Georgia | TBC Bank |
| Hungary | OTP Bank |
| Latvia | SEB Latvia |
| Lithuania | SEB Lithuania |
| Poland | ING Bank |
| Romania | Garanti Bank |
| Russia | Tinkoff Bank |
| Serbia | Raiffeisen banka Beograd |
| Slovakia | Tatra banka |
Central and Eastern Europe — Regional Sub-Category Winners |
|
|---|---|
| Best Online Deposit, Credit and Investment Product Offerings | Tinkoff Bank |
| Best Bill Payment & Presentment | Sberbank |
| Best Web Site Design | Bank Millennium |
| Best Integrated Consumer Bank Site | Tinkoff Bank |
| Best in Mobile Banking | TBC Bank |
| Best Information Security and Fraud Management | Sberbank |
| Best Social Media Marketing and Services | Tinkoff Bank |
| Best Mobile Banking App | TBC Bank |
| Most Innovative Digital Bank | Tatra banka |
| Best Mortgage Bank | Alfa Bank |
| Best Open Banking APIs | Citi |
Latin America — Country Winners |
|
|---|---|
| Argentina | Banco Santander Rio |
| Brazil | Next-Bradesco Bank |
| Chile | Banco de Chile |
| Colombia | Bancolombia |
| Ecuador | Produbanco |
| El Salvador | Banco Agricola |
| Guatemala | Ficohsa |
| Honduras | Ficohsa |
| Mexico | Citibanamex |
| Paraguay | Banco Itaú Paraguay |
| Puerto Rico | Banco Popular de Puerto Rico |
Latin America — Regional Sub-Category Winners |
|
|---|---|
| Best Online Deposit, Credit and Investment Product Offerings | Bancolombia |
| Best Bill Payment & Presentment | Banco Santander Rio |
| Best Web Site Design | Banco Santander Rio |
| Best Integrated Consumer Bank Site | Banco Santander Rio |
| Best in Mobile Banking | Ficohsa |
| Best Information Security and Fraud Management | Banco Popular de Puerto Rico |
| Best Social Media Marketing and Services | BCI Chile |
| Best Mobile Banking App | Banco Santander Rio |
| Most Innovative Digital Bank | BBVA |
| Best Mortgage Bank | Itaú Unibanco |
| Best Open Banking APIs | Citibanamex |
Middle East — Country Winners (With Sub-categories By Country) |
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|---|---|---|
| Bahrain | Best Consumer Digital Bank | meem Digital Banking By Gulf International Bank |
| Best in Mobile Banking | meem Digital Banking By Gulf International Bank | |
| Best Mobile Banking App | meem Digital Banking By Gulf International Bank | |
| Best Information Security and Fraud Management | Citi | |
| Best in Social Media Marketing and Services | meem Digital Banking By Gulf International Bank | |
| Most Innovative Digital Bank | meem Digital Banking By Gulf International Bank | |
| Egypt | Best Consumer Digital Bank | Arab Bank |
| Best Online Deposit, Credit and Investment Product Offerings | CIB | |
| Best Bill Payment and Presentment | CIB | |
| Best Integrated Consumer Banking Site | CIB | |
| Best in Mobile Banking | CIB | |
| Best Mobile Banking App | CIB | |
| Most Innovative Digital Bank | CIB | |
| Israel | Best Consumer Digital Bank | Israel Discount Bank |
| Most Innovative Consumer Digital Bank | Israel Discount Bank | |
| Jordan | Best Consumer Digital Bank | Arab Bank |
| Best Website Design | Investbank | |
| Best in Social Media Marketing and Services | Arab Bank | |
| Best Mobile Banking App | Arab Bank | |
| Most Innovative Digital Bank | Investbank | |
| Kuwait | Best Consumer Digital Bank | NBK |
| Best in Mobile Banking | NBK | |
| Best Mobile Banking App | Boubyan Bank | |
| Most Innovative Digital Bank | Boubyan Bank | |
| Lebanon | Best Consumer Digital Bank | Blom Bank |
| Best in Mobile Banking | Blom Bank | |
| Best Mobile Banking App | Blom Bank | |
| Most Innovative Digital Bank | Bank Audi | |
| Oman | Best Consumer Digital Bank | Bank Muscat |
| Palestine | Best Consumer Digital Bank | Bank of Palestine |
| Best Bill Payment and Presentment | Bank of Palestine | |
| Best in Mobile Banking | Bank of Palestine | |
| Best Mobile Banking App | Bank of Palestine | |
| Most Innovative Digital Bank | Bank of Palestine | |
| Qatar | Best Consumer Digital Bank | Qatar Islamic Bank |
| Best in Mobile Banking | Al Khaliji Commercial Bank | |
| Best Mobile Banking App | Commercial Bank of Qatar | |
| Best in Social Media Marketing and Services | Qatar Islamic Bank | |
| Most Innovative Digital Bank | Qatar Islamic Bank | |
| Saudi Arabia | Best Consumer Digital Bank | NCB |
| Best Bill Payment and Presentment | Bidaya Home Finance | |
| Best Website Design | NCB | |
| Best Integrated Consumer Banking Site | NCB | |
| Best in Mobile Banking | NCB | |
| Best Mobile Banking App | NCB | |
| Best in Social Media Marketing and Services | Bidaya Home Finance | |
| Best Mortgage Bank | Bidaya Home Finance | |
| Most Innovative Digital Bank | NCB | |
| UAE | Best Consumer Digital Bank | Emirates NBD |
| Best Online Deposit, Credit and Investment Product Offerings | Mashreq Bank | |
| Best Bill Payment & Presentment | Mashreq Bank | |
| Best Website Design | Abu Dhabi Commercial Bank | |
| Best Integrated Consumer Banking Site | Emirates NBD | |
| Best in Mobile Banking | Emirates NBD | |
| Best Mobile Banking App | Commercial Bank of Dubai | |
| Best Information Security and Fraud Management | Standard Chartered | |
| Most Innovative Digital Bank | Mashreq Bank | |
| Best Open Banking APIs | First Abu Dhabi bank | |
North America — Country Winners |
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|---|---|
| Canada | CIBC |
| United States | Bank of America |
North America — Regional Sub-Category Winners |
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|---|---|
| Best Online Deposit, Credit and Investment Product Offerings | TD Bank |
| Best Bill Payment & Presentment | TD Bank |
| Best Web Site Design | CIBC |
| Best Integrated Consumer Bank Site | TD Bank |
| Best in Mobile Banking | CIBC |
| Best Mobile Banking App | CIBC |
| Most Innovative Digital Bank | TD Bank |
Western Europe — Country Winners |
|
|---|---|
| Cyprus | Bank of Cyprus |
| Greece | Eurobank |
| Portugal | Millennium bcp |
| Spain | CaixaBank |
| Turkey | Yapi Kredi Bank |
| United Kingdom | Citi |
Western Europe — Regional Sub-Category Winners |
|
|---|---|
| Best Online Deposit, Credit and Investment Product Offerings | CaixaBank |
| Best Bill Payment & Presentment | Yapi Kredi Bank |
| Best Web Site Design | Garanti Bank |
| Best Integrated Consumer Bank Site | Garanti Bank |
| Best in Mobile Banking | TEB Bank |
| Best Information Security and Fraud Management | Millennium bcp |
| Best in Social Media Marketing and Services | Garanti Bank |
| Best Mobile Banking App | CaixaBank |
| Most Innovative Digital Bank | Eurobank |
| Best Open Banking APIs | Yapi Kredi Bank |
World’s Best Digital Islamic Banks |
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|---|---|---|
| Asia-Pacific — Country Winners | Bangladesh | Standard Chartered |
| Malaysia | Standard Chartered | |
| Pakistan | Standard Chartered | |
| Asia-Pacific — Country Winners | Bahrain | meem Digital Banking By Gulf International Bank |
| Kuwait | Boubyan Bank | |
| Saudi Arabia | Bidaya Home Finance | |
| UAE | Abu Dhabi Islamic Bank | |
