Delivering a truly extraordinary customer experience and going the extra mile to create WOW! moments for your customers through unique and unexpected service level wins is something few can acheive - how do you?.

Does your product display unparalelled understanding of modern business requirements and do you over-deliver on service and support for SME customers?

Is it possible to implement exceptional security with a minimal footprint? Do you deliver remarkable security features without fanfare, keeping our details stealthily safe?

Payments are literally the vital infrastructure of any financial institution. How have you enhanced and levelled up payments for the 21st century?

Mobile payments are increasingly changing the game and being widely adopted globally, providing payment service providers innovative novel means to access the underbanked and wider customer bases via now ubiquitous devices; how does your app, product or service light the way in the mobile revolution?

The world is now a much smaller place. Transactions and communication happen at the speed of light. How do you exploit barrierless international trade?

How can around a billion people, who live in every country on the planet, be able to hold a digital identity?

AI has the potential to shape the world, especially in financial services. How are you leveraging AI to automate previously manual (or impossible) tasks?

How has access to and analysis of big data enhanced your customers experience, ramped up security, or do you use it in an unexpected way?

From the shadows, into the light; blockchain, crypto and defi are now industries in their own right. How are decentralised products impacting customers and the wider society?

Buy Now Pay Later, Pay in Three and direct merchant credit have changed the face of loans and lending. What other amazing innovations are being implemented in lending?

Insurtechs are creating competitive advantages for traditional insurers through disruptive and innovative technology. In this rapidly evolving digital landscape for Insurers, how are you modernizing and optimizing insurance practices?

No virtue signalling here! We're looking for genuine leaders with passionate long term goals in ethical standards, sustainability, or confronting human rights violators.

Embedded finance has enabled a wealth of options for merchants, including seamless integrated payments and personalised point of sale insurance to name just a few. How are you opening up financial service opportunities in non-financial sectors?

In a previously unthought of age of openness and trust how are you delivering or utilising information in the great age of shared prosperity?

With wealthtech more accessible than ever before, how are you helping a new breed of investor to increase the value and purchasing power of their money?

From banking as a service, to creating the very core, we're looking for products which are reliable, agile and most importantly innovative. Do you out-bank the banks?

Partnerships are the lifeblood of the fintech ecosystem. Now with embedded finance, Banking as a service and Software as a service, partnering is more critical than ever before. Cooperation is often invisible so we're inviting you to showcase your greatest results from collaborations with this award.