2021 SHORTLIST - The Card and Payments Awards

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2021 SHORTLIST - The Card and Payments Awards
2021 SHORTLIST
2021 SHORTLIST - The Card and Payments Awards
2021 SHORTLIST - The Card and Payments Awards
Welcome
& Thank You

What a year we have had so far. If someone had predicted      It’s a drum we keep on beating, but “Best practice
on February 6th last, what was about to unfold, I’m not       should always be celebrated, success should always be
certain any of us would have believed it. It all seemed so    rewarded, and innovation should always be admired”. So,
far away back then and its been all too real ever since.      to entrants, sponsors and attendees alike your support
                                                              and participation in this important benchmarking exercise
What hasn’t changed, is the pace of innovation in the         is to be lauded!
payments industry, which has further increased, as if that
was possible! The question now is whether it has changed      The most important thing about planning these days is
consumer behaviour long term by how we shop and, more         to acknowledge the likelihood of those plans changing.
importantly for this forum, how we pay!                       Our intent right now is to host a live event on Thursday
                                                              29th April, if it safe to do so and it has the support of
Despite the work from home requirements and the huge          the industry.
adaptations for both businesses and individuals, we have
had a fantastic turnout of entries for this years’ Awards.    If you’re like me, you will definitely be hoping to get out,   3

Congratulations to everyone who has entered – the             mix, socialize, network and generally see some new,
industry salutes you!                                         old or unfamiliar faces. However, if it is not appropriate
                                                              to proceed with an in-person event, we have a huge
I always speak of the importance of the support from our      surprise in store for you that we believe completely
sponsors, but this year it is all the more valuable. Almost   repositions virtual events – more on this to be revealed!
every sponsor has renewed this year for which we are          We’ll have a final announcement on this no later than
truly grateful. This support speaks to our sponsor’s          1st February 2021.
commitment to ensuring that payments industry best
practice, excellence and innovation is recognised and
rewarded in an objective and independent manner. The
Card and Payments Awards is still the only awards event       Michael Harty
in the payments industry to earn the Awards Trust Mark        Managing Director,
Gold Standard.                                                The Card and Payments Awards
2021 SHORTLIST - The Card and Payments Awards
4
2021 SHORTLIST - The Card and Payments Awards
Contents

06   TSYS Featured Article
08   Social Inclusion in Financial Services
10   Best Initiative in Open Banking
11   Best Initiative from an SME
12   Best Marketing Campaign
13   Best Payments Industry Newcomer
14   Success in Customer Service
15   Best Product Design
16   Best Security or Anti-fraud Development
17   Best Consumer Credit Card or Credit Facility
                                                    5

18   Best Initiative in Digital Payments
20   Innovation in Retail Payments
21   Changing Lives in the Community
22   Best Processing Programme
23   Best Technology Initiative
24   Best Industry Innovation
26   Excellence in Operational Innovation
27   Best Payment Facility - non-credit
28   Best Service to Business
30   Best Benefits or Loyalty Scheme
2021 SHORTLIST - The Card and Payments Awards
Future-Proofing Tomorrow
    with Payments on the Cloud

    Our world has been dramatically reshaped over the last 12 months as we have all tried to adapt to the impacts of a global
    pandemic. In recent months, most of us have settled into a new normal — or altered state — whether it’s working remotely,
    virtual learning for our children or just generally staying home. We have all been impacted in some way, shape or form.

    Among the greatest impacts, has been an influx of all things          cloud-based issuer processing platform to institutions, new
    digital into our daily lives. We meet and work virtually, we have     market entrants and retailers across the globe with the speed,
    altered our lifestyle and our working style. As consumers, we are     reliability, security and scalability of the cloud. We’ve always
    shopping in digital retail environments more than we ever have        been a high-growth, vertically focused fintech company with
    before. Our banking is more self-service and we are hosting the       roots in payments, so innovating in this way was a natural
    majority of our meetings now in a virtual world. Adoption of —        reflection of our business.
    and comfort with — this new “digital everything” world doesn’t
    just require advanced technology, it also requires changes to         Three steps for driving digital transformation
    business operations and our ability to be agile.
                                                                          As a leading provider of payments technology, we could not be
    It was the spirit of agility and forward thinking, that we took       more excited to stand shoulder to shoulder with another one of
    a pivotal leap announcing a collaboration with Amazon Web             the world’s most respected technology companies like AWS.
    Services (AWS). For TSYS, a Global Payments Company, this was
    the next step in seeing our long-term vision come to fruition.        There are a few key ways to drive digital transformation in your
    This collaboration enables us to deliver an industry-leading,         organization, so if you’re looking to explore what comes next, start here.
6

      Achieve cultural buy-in                        Rethink your business practices                  Find the right partner

      The first step for us was to achieve that      Next, we began operational                       Finally, and perhaps most
      buy-in from our team members. We               modelling for the future,                        importantly, we found the right
      knew we needed to be sure that our             understanding that the current                   partner after a thoughtful and
      talent understood why this shift is critical   future scope could differ as business            selective search. As our chosen
      to our business and how this will position     and client interactions are remote for           preferred cloud provider, AWS is
      them — and the company — for longer-           now . As our talent evolves, so must             supporting our efforts through
      term success. Over the last three years,       our way of thinking. As we began                 innovative approaches to security
      through a series of internal meetings          to look at our business modules                  and compliance. It’s a collaboration
      and smaller group sessions, we have had        through the lens of transformation,              that will also result in immense
      these critical conversations. Through          we proactively realigned the                     product flexibility with API-centric
      these exercises, we have given team            structure of our leadership and                  technology and a microservices
      members a voice and a platform to ask          teams slightly. We found that                    approach. And with our API-centric
      questions and provide feedback.                bringing new eyes and differing skill            technology, we can build, test,
                                                     sets to each line of business helped             deploy and scale specific capabilities
      In parallel to this effort, we began           improve our business processes and               quicker to continuously innovate and
      reskilling and upskilling our team             operational outlook. It also brought             meet customers’ demands, anywhere
      members to become leading experts in           new energy to those team members                 in the world. This collaboration adds
      payments on the cloud. These exercises         formerly in legacy roles with our                up to more frictionless experiences
      and conversations have been invaluable         organization. Again, we had buy-in               for our customers.
      to us to obtain diverse perspectives           from our teams at this point, so they
      across the business while also                 were actively engaged in optimizing
      empowering our team to work together           their particular work stream.
      with their leaders to develop a plan for
      their respective areas.
2021 SHORTLIST - The Card and Payments Awards
Future proofing tomorrow, today

                                                                                  That drive to keep our clients ready for what’s next in payments
                                                                                  continues to propel us forward. It is incumbent upon us as
                                                                                  payment providers to actively seek solutions that keep up with
                                                                                  the ever-changing needs of consumers.

                                                                                  If I could leave you with anything today, it’s the importance
                                                                                  of bringing your team along. And I’m not just talking about
                                                                                  a reskilling or upskilling effort, but actually helping them
                                                                                  understand your goals, the changes that need to happen and
                                                                                  allowing them a platform for feedback.

                                                                                  As we move into the next stages of our particular journey, we
                                                                                  — as a collective team — are truly energized by enabling our
                                                                                  clients to harness the power of cloud technology.

                                                                                                                                                             7

About Gaylon Jowers:

Gaylon Jowers, Jr.
Senior Executive Vice President and President, TSYS Issuer Solutions

Gaylon Jowers currently serves as senior executive vice president and           He serves on the board of directors for China UnionPay Data Services, Ltd.
president of the TSYS Issuer Solutions business, a Global Payments company.     (CUP Data), TSYS’ joint venture with China UnionPay (CUP).
Issuer Solutions provides close to 200 clients in nearly 80 countries around
the world with its services and products. The business services more than 638   Gaylon holds a bachelor’s degree in marketing and a master’s degree
million traditional accounts on file.                                           in management from Troy State University. He is an active member of
                                                                                the local Columbus, Georgia community through the Greater Columbus
Gaylon is a 28-year veteran of TSYS that has held several key                   Chamber of Commerce by serving on the Columbus 2025 committee.
management positions since 1991, including leadership roles in which
he was responsible for the company’s international business, debit,
prepaid, loyalty, debit management, e-commerce, global account
management and sales, corporate strategy and marketing initiatives.
Social Inclusion in
    Financial Services

    Barclays Bank
    Gambling Merchant Control - 72hr cooling off period

    Barclays was the first High Street bank to introduce a 72 hour ‘cooling off’ period to its
    gambling block, supporting customers with additional control over spend on gambling sites,
    apps or in betting shops. These 72 hours allow customers to pause for thought when they
    are tempted to gamble again.

    Capital One
    Developing the vulnerable customer agenda

    For Capital One, our vulnerable customer agenda is vital to our strategy and key to our
    mission to ‘change banking for good’. Our recent work has been focused on embedding a
    culture of vulnerability and inclusion to improve the outcomes for our customers and affect
    change in our sector.

    Contis
    Driving financial inclusion during Covid-19

    Using digital innovation to drive financial inclusion and support the
    vulnerable during Covid-19.

8

    Monese and PPS
    Monese and PPS driving social inclusion

    Monese and PPS have developed an inclusive, instant, on-demand banking service.
    The first challenger to offer UK customers a 100% mobile current account, Monese
    has revolutionised access to banking services and given people the financial freedom
    to thrive anywhere.

    NatWest Group
    Introducing free Credit Score functionality into the NWG
    Mobile Banking App, partnering with TransUnion

    NWG, working in partnership with TransUnion, is the first and only bank to offer a free
    credit score service to all their Mobile Banking App customers in the UK, aimed at helping
    to educate customers on their finances, build financial capability and provide knowledge so
    they can make better financial decisions.
Pannovate
Launchpad supports Social Inclusion

Pannovate is an established digital solution provider for the financial services sector.
Our suite of digital banking-as-a-service solutions are game changers in terms of their
personalisation, agnostic integration ability and speed to market. Partnering with OnePay,
demonstrates how these qualities can be used to better support financial inclusion.          9

Starling Bank
Starling Bank: Connected Card

Less than three weeks after lockdown began in the UK, Starling launched a debit card to
help self-isolating customers buy groceries and essentials. The additional debit card can
be ordered through the Starling app and given to carers, family members or neighbours
buying items on the account owner’s behalf.

Virgin Money
Virgin Money M Account - A Basic Bank Account
which is anything but Basic by design

Virgin Money are serious about social inclusion and helping customers better manage
their money. To prove it we’ve launched a market leading basic bank account incorporating
money management tools such as savings pots, funds sweeping, transactional tagging &
balance projections empowering customers to improve their control and confidence.
Best Initiative in
     Open Banking

     American Express
     Pay with Bank transfer powered by American Express

     One of the first initiatives in the UK to leverage pioneering Open Banking transactions,
     American Express’ real-time Pay with Bank transfer service gives consumers a new fast,
     simple, secure way to pay for goods and services online and on-the-go, directly from their
     bank account, giving merchants payment almost instantly.

     Currensea
     How the world’s first Open Banking CBPII has brought
     travel spending to the 21st Century

     In January 2020 Currensea successfully launched an Open Banking-powered travel debit
     card, despite the coronavirus significantly limiting international travel. It’s the first CBPII
     Card Based Payment Instrument Issuer, meaning travellers can spend directly from their
     main bank account, without bank charges or painful fees

     Global Processing Services (GPS)
     Global Processing Services (GPS) + Currensea

     Currensea has become the sector’s very first FCA-authorised Open Banking CBPII – or
     card-based payment instrument – enabling consumers to enjoy lower fees and improved
     user experience for travel money services with the game-changing convenience of paying
10   using their trusted debit card and current account.

     Moneyhub Enterprise
     Aon LIfetime Personal Financial Management

     Leading global professional services firm Aon selected Open Finance platform Moneyhub
     to revolutionise its financial wellbeing offering, with the launch of the ‘Well One Money’
     app powered by Moneyhub’s Open Banking aggregation, intelligence and payment
     initiation to deliver more engaging and hyper-personalised user experiences.

     Tesco Bank
     Tesco’s Pay by Bank Initiative

     Tesco Bank in conjunction with Mastercard have launched an Open Banking powered
     service to help Tesco Bank Credit Card customers easily and safely manage their payments
     through new technologies.
Best Initiative
from an SME

3S Money
3S Money

3S Money is an innovative payment platform that allows businesses to use local bank
details for business collections and high-value instant payments. We change the way
businesses are banked by putting our clients in full control of the payment process and
create a client respecting yet diligent and tech rich compliance journey.

Modulr
The first non-bank or building society to launch Confirmation of Payee

Modulr is the leading digital payments alternative in the wholesale and commercial
transaction banking global market, recognised for its commitment to provide innovation
and greater financial access for its customers. Modulr is the first non-bank or building
society to launch Confirmation of Payee, a Pay.UK-spearheaded fraud prevention initiative.

Telleroo
Telleroo

Telleroo is designed for small to medium sized businesses wanting to eliminate their
manual payment processes. We allow automation of payments from accounting softwares,
while keeping finance teams in full control.
                                                                                             11
Best Marketing
     Campaign

     Mastercard
     Debit Mastercard UK launch

     The Everyday Priceless campaign harnessed the emotional equity of Mastercard’s iconic
     global brand positioning to showcase Debit Mastercard to the UK market.

     Mastercard
     Sponsorship of The BRIT Awards 2020 with Mastercard

     For 22 years, Mastercard has proudly sponsored The BRIT Awards, and 2020 crowned the
     40th Show for the biggest night in British Music. It was an opportunity to think about how
     influential music is in our lives and reinforce Mastercard’s role as an everyday payment
     brand. We encouraged cardholders to celebrate the priceless in every day and share the
     connective power of music.

     NatWest Group and National Emergencies Trust (NET)
     NatWest Group and National Emergencies Trust (NET) Coronavirus Appeal

     NatWest Group’s most ambitious campaign to-date raised a staggering £10m for the
     National Emergencies Trust (NET), amid a global crisis. While representing NatWest
     Group’s overarching vision and brand values, this campaign enabled the bank to
12   significantly improve engagement and loyalty with its ‘MyRewards’ programme.

     Paysafe Group
     Skrill Del Piero Ad

     On January 17th, 2020, Skrill launched a new TV advert featuring Alessandro Del Piero.
     Airing exclusively to Italy on Sky Sport, the commercial sees Del Piero promote the Skrill
     Prepaid Mastercard® as the ultimate payment tool. Del Piero was a member of Italy’s 2006
     World Cup-winning team.

     Visa Europe
     How You Pay Matters

     People can access and use their money in a myriad of ways. So, during a year of seismic
     shifts in consumer shopping and payment behaviour, Visa launched it’s How You Pay
     Matters platform in April 2020 to establish the brand as a trusted protector of both people
     and their payments.

     Visa Europe
     Where You Shop Matters

     Over the past 12 months Visa has taken its commitment to supporting Britain’s High
     Streets to the next level. From another nationwide Christmas campaign, to an integrated
     Covid response, Visa’s purpose-driven Where You Shop Matters activity has helped
     merchants stabilise and reminded consumers of the importance of shopping locally.
Best Payments
                                                                                            CATEGORY SPONSOR

Industry Newcomer

3S Money
3S Money

3S Money is an innovative payment platform that allows businesses to use local bank
details for business collections and high-value instant payments. We change the way
businesses are banked by putting our clients in full control of the payment process and
create a client respecting yet diligent and tech rich compliance journey.

Card Industry Professionals
Offering an Open, Honest and Ethical Approach to Card Payment Facilities

Card Industry Professionals formed in 2017 with the vision of offering SMEs a transparent
payment solution for their business together with a first-class on-going approach to
customer service. The company focus is on ‘Local Supporting Local’, with more than 150
Sales Professionals covering all areas of the UK.

Currensea
The open banking travel card challenger that saved 2020’s summer holidays

Currensea successfully launched its travel debit card in 2020 despite the coronavirus
significantly limiting international travel. Its unique use of Open Banking makes it the
world’s first CBPII Card Based Payment Instrument Issuer, meaning travellers can spend
directly from their main bank account, without bank charges or painful fees.                                   13

Tyl
Tyl: a new and innovative payments partner for UK
SMEs developed in partnership with Pollinate

NatWest and Pollinate joined up to re-imagine merchant acquiring, launching Tyl,
an innovative new payment partner helping SMEs to run, manage and grow their
businesses. Customers can take card payments easily and access a unique range of
data-led insights and services.
Success in
     Customer Service

     American Express
     Business as usual in unusual times – American Express customer
     service strategy during the Coronavirus pandemic

     In less than three weeks from lockdown, American Express had mobilised more than
     90% of its UK frontline workforce to work from home. Despite operating in a challenging
     environment, the Company’s customer satisfaction scores exceeded 2019 Business As
     Usual levels in the weeks that followed.

     ANNA Money
     ANNA Money

     ANNA stands for Absolutely No-Nonsense Admin and is available to freelancers and small
     businesses that want help organising their finances, from invoices to expenses. ANNA gives
     them more time to get on with their work, helping them stay in control of their money, and
     freeing up their time

     Barclaycard
     Proactive Security Service

     Barclaycard, working in partnership with Sysnet, has launched one of the largest payments
     and cybersecurity programmes in the UK with over 77,000 subscriptions to the Proactive
     Security Service. With customer service at the heart of the programme, they deliver the
14   right level of security, at an affordable price for SMEs; simultaneously increasing the
     awareness of cybersecurity.

     Capital One
     Transforming collections call outcomes for customers and business alike with ACeS

     Combining a proprietary unified platform with comprehensive systems training and
     customer engagement coaching, Capital One has completely transformed its collections
     process. Bringing simplicity, humanity and tailored solutions to every conversation, the all-
     new process has positively impacted customers, with 11.3% more now back on track with
     payments, and customer satisfaction increased.

     SmartDebit
     Making our customers’ lives easier during the Covid-19 crisis

     Challenging times create unexpected opportunities to improve the service you offer your
     customers. For SmartDebit, the backdrop of an unpredictable business year has meant
     embracing evolution and delivering impressive improvements to our service function,
     while also increasing customer satisfaction, cementing our focus on taking an empathetic,
     service-led approach to payments.

     Vanquis Bank
     Persistent Debt - Personalised Video Campaign

     We support customers on their journey to better credit. Through a creative personalised
     video campaign, we improved the financial health of our customers in Persistent Debt
     through education and clear, helpful communication, providing them with the best options
     to make the right decisions and improve their financial situation.
Best Product
Design

Capital One UK
Capital One’s Classic credit card – Modern, simple, trusted

For almost a decade, Capital One’s Classic credit card design remained unchanged. Yet,
despite a challenging year for the lending market, 2020 saw us taking the bold step of
refreshing our already successful card and launching a more meaningful, relevant credit
card – designed for, and by, our customers.

NatWest
Biometric Payment Fob – NatWest delivers another biometric first!

Never be left without a way to pay again with NatWest’s biometric payment fob. Offering
peace of mind; it’s always with you and ready to pick up the bill in case you forget your
wallet, phone, or have forgotten your pin. It’s highly secure and it’s quirky.

Prosper
Prosper2 and allpay.cards

The Prosper² Business Club and Rewards Programme dual interface card showcases an
innovative textured, 3-dimensional effect which used unique production technology to
resemble carbon fibre. The high quality, standout design not only showcases our brand but
has elevated our market positioning since launch.                                           15
Best Security or
     Anti-fraud Development

     Barclaycard
     Proactive Security Service

     Barclaycard, working in partnership with Sysnet, has launched one of the largest payments
     and cybersecurity programmes in the UK with over 77,000 subscriptions to the Proactive
     Security Service. With customer experience at the heart of the programme, they deliver
     the right level of security, at an affordable price for SMEs; simultaneously increasing the
     awareness of cybersecurity.

     Ethoca
     Mastercard and Ethoca Achieve Industry First by Reinventing Dispute Resolution

     Mastercard and Ethoca efforts to transform the dispute resolution process help UK
     issuers significantly improve the cardholder experience, eliminate chargebacks, and save
     in operating expenses. Success driven by new solutions that enable mass merchant-issuer
     collaboration and facilitate enhanced fraud & dispute data sharing on a global scale.

     Featurespace
     NatWest’s deployment of ARIC Risk Hub

     NatWest partnered with Featurespace to deploy the ARIC™ Risk Hub to enhance
     customer payments protection from fraud and novel scams. With a cutting-edge machine
     learning solution that understands and predicts individual customer behaviour, even in new
16   payment fraud areas; NatWest has vastly improved their fraud detection and increased
     customer satisfaction.

     MuchBetter
     MuchBetter

     MuchBetter eliminates online fraud. No instances of third-party fraud have occurred on
     MuchBetter cards since launch, reducing the cost and resources required for prevention,
     monitoring and remediation. Its pre-paid card also cannot be used online by criminals if lost,
     stolen or included in a data breach of payment details.
Best Consumer Credit
                                                                                                   CATEGORY SPONSOR

Card or Credit Facility

Capital One (Europe)
Capital One’s cutting-edge balance transfer guarantee

Capital One has revolutionised the market with its cutting-edge balance transfer
guarantee. This trailblazing functionality doesn’t just guarantee APR and teaser length for
pre-approved applicants; it’s also the first of its kind to give 100% assurance that the initial
credit limit offered will cover a customer’s requested transfer amount.

DivideBuy
DivideBuy

DivideBuy is transforming the POS credit industry with it’s innovative technology and
lending platform, built on retail understanding and consumer insight. It’s consumer-first
solution enables retailers to provide an online checkout option with quick credit decisions
that increase sales. It was recently recognised as the fourth fastest-growing EMEA
technology company.

NewDay
Amazon Platinum Mastercard – rewarding and flexible customer experience

The Amazon Platinum Mastercard rewards all customer spend with points that
automatically convert to giftcards for use on amazon.co.uk. To help customers spread the
cost of larger Amazon purchases cardholders can now choose to pay with instalments on
their card with seasonal promotional rates offered by Amazon.                                                         17
Best Initiative in
                                                                                                   CATEGORY SPONSOR

     Digital Payments

     American Express
     Pay with Bank transfer powered by American Express

     One of the first initiatives in the UK to leverage pioneering Open Banking transactions,
     American Express’ real-time Pay with Bank transfer service gives consumers a new fast,
     simple, secure way to pay for goods and services online and on-the-go, directly from their
     bank account, giving merchants payment almost instantly.

     Blackhawk Network
     Introducing the One4all Digital Gift Card – a world-
     first fully mobile multi-store gift card

     One4all Digital is the first fully mobile multi-store gift card on the Visa platform, and
     one of the first to bring multi-store digital gifting to the public. Customers can now buy,
     customise, send and spend a One4all Gift Card in over 60,000 stores or online, all from
     their mobile phone.

     Curve
     Curve brings one card to rule them all to every smartphone and wearable

     Curve is a European banking platform that allows users to combine all their credit and
     debit cards into one smart app and card. Curve’s partnerships with Apple Pay, Google
     Pay, Samsung Pay and wearables, allows individuals to access finance in new ways - via
18   contactless, mobile and digital.

     Edenred
     The Free School Meal Voucher Scheme: Edenred’s Select
     Platform supports Schools and Families during lockdown

     The Free School Meal Voucher Scheme delivered by Edenred ensured that 1.3m families
     received money to feed their children in lockdown. By the end of the scheme, Edenred had
     distributed the equivalent of 128m meal allowances worth £385m in a scheme which was
     designed and launched in under three weeks.

     Mastercard
     Pay by Bank app

     Pay by Bank app was created by Vocalink, a Mastercard company, to enable shoppers to
     pay quickly and securely for goods and services without the need to enter any payment
     details and directly from your mobile banking app. The payment is made straight from your
     bank account and is processed in real-time as a faster payment.
MuchBetter
MuchBetter

MuchBetter is a second-generation e-wallet on Android and iOS, as well as a payments
platform for wearable devices and a white label payment product. The service delivers a
secure, seamless payment journey between customers and merchants and is now used by
700,000 people worldwide.                                                                    19

Paysafe Group
Skrill Money Transfer from Paysafe

Skrill Money Transfer from Paysafe puts customers first with fast, reliable and secure
online money transfers direct to a bank account or mobile wallet. Available in 36
countries, its competitive cost means that more money reaches friends, family, and
economies overseas.

Xero (UK)
Pay with TransferWise

Pay with TransferWise is Xero’s domestic bill payment feature. The simple, fast and secure
solution enables small businesses and their advisors (accountants and bookkeepers) to
accurately and efficiently manage the accounts payable process through Xero, by paying
multiple bills at once, with a solution that works across all UK banks.
Innovation in
     Retail Payments

     Barclays Bank
     Gambling Merchant Control - 72hr cooling off period

     Barclays was the first High Street bank to introduce a 72 hour ‘cooling off’ period to its
     gambling block, supporting customers with additional control over spend on gambling sites,
     apps or in betting shops. These 72 hours allow customers to pause for thought when they
     are tempted to gamble again.

     Card Industry Professionals
     Offering an Open, Honest and Ethical Approach to Card Payment Facilities

     Card Industry Professionals formed in 2017 with the vision of offering SMEs a transparent
     payment solution for their business together with a first-class on-going approach to
     customer service. The company focus is on ‘Local Supporting Local’, with more than 150
     Sales Professionals covering all areas of the UK.

     Lloyds Bank and Bank of Scotland
     Subscription Management Service

     Lloyds Banking Group customers are able to view and cancel continuous payment
     authorities directly through the mobile banking app within just 3 clicks. The market leading
     service, through a partnership with Swedish FinTech - Minna Technologies, and Visa, is
20   currently live to nearly 1m customers, and soon to be 11.5m.

     Square and Mastercard UK
     Connecting the Falklands

     Connecting the Falklands, a new partnership between the Falkland Islands Government,
     Mastercard, and Square; solving one of the greatest challenges facing the Islands’ small and
     medium-sized businesses - accepting card and digital payments.
Changing Lives in
the Community

Capital One UK
Capital One UK Covid Community Response

When COVID-19 hit, all 2020 CSR plans needed to pivot, and our priority quickly became
to help those most vulnerable throughout the crisis. Many of our partnerships established
pre-pandemic set the perfect foundations for us to pivot and offer greater support, both
physical and virtual, to our wider community.

Edenred
The Free School Meal Voucher Scheme: Edenred’s Select
Platform supports Schools and Families during lockdown

The Free School Meal Voucher Scheme delivered by Edenred ensured that 1.3m families
received money to feed their children in lockdown. By the end of the scheme Edenred had
distributed the equivalent of 128m meal allowances worth £385m in a scheme which was
designed and launched in just three weeks.

Elavon and PayaCharity
Elavon, PayaCharity and The Royal British Legion’s Poppy Appeal

Elavon and PayaCharity supported The Royal British Legion’s 2019 Poppy Appeal by
providing the largest-ever deployment of contactless terminals for a charitable campaign
in Europe, maximising fundraising potential. As more people seek to pay digitally, we helped
the charity increase donations to offer vital assistance to people in need.                    21

NatWest Group and National Emergencies Trust (NET)
NatWest Group and National Emergencies Trust (NET) Coronavirus Appeal

NatWest Group’s most ambitious campaign to-date raised a staggering £10m for the
National Emergencies Trust (NET), amid a global crisis. While representing NatWest
Group’s overarching vision and brand values, this campaign enabled the bank to
significantly improve engagement and loyalty with its ‘MyRewards’ programme.

Paysafe Group
Bankable - British Red Cross – Paysafe: Emergency
Cash Assistance (Prepaid Visa Card)

The British Red Cross transformed its approach to cash assistance in the event of
emergencies in partnership with Bankable and Paysafe. The charity is now able to give
families and individuals in need access to prepaid Visa cards via on-the-ground support
workers, instead of relying on cash.

The Co-operative Bank
Amnesty International Write for Rights Campaign

The Co-operative Bank supported Amnesty International’s global letter writing campaign,
Write for Rights (W4Rs). Focusing on three priority cases which included: 1) Young trans
people; 2) Migrant Women; 3) Marinel Ubaldo – fighting for climate change. In all, staff
and customers took over 8,500 actions of solidarity, an amazing achievement.
Best Processing
     Programme

     Global Processing Services (GPS)
     Global Processing Services (GPS) - The PayTech Pioneer™

     Global Processing Services (GPS), The PayTech Pioneer™, has made a multi-million pound
     investment in its processing platform and expanded into the dynamic APAC market to
     accelerate innovation and success for more fintechs, digital banking partners and e-wallet
     providers around the world and further strengthen its position as The Super Processor™.

     Marqeta
     Transformational 2019-2020 cements card processing
     disruptor Marqeta as major market force

     Marqeta is the first global modern card issuing and processing platform, providing
     advanced infrastructure and tools for building highly configurable payment cards. With its
     open API, the Marqeta platform is designed for businesses to innovate new services and
     process flows in an increasingly digital world.

     PPS
     The Best Processing Platform

     PPS has provided new and innovative ways to power e-money capabilities in response
     to the economic challenges facing specific customer groups. The initiative to enhance
     and implement its processing platform, was focused on supporting its clients to
22   provide innovative, inclusive services where end-customers were otherwise under-
     supported by traditional providers.
Best Technology
                                                                                                     CATEGORY SPONSOR

Initiative

Cardstream and Banking Circle
Cardstream Lending, delivered by Banking Circle

Independent payment solutions provider, Cardstream, has partnered with financial
infrastructure provider, Banking Circle, to pioneer a unique joint white label lending
solution which gives merchants access to affordable, flexible business loans that could
make the difference between success or failure.

Conferma Pay
Conferma Pay Connect

The Conferma Pay Connect service has helped virtual payment shed it’s out-dated
reliance on fax, making secure email communication widely available and encrypted
API connection easily accessible. Connect enables suppliers to set their preferred
method of payment communication that works best for them, and gives greater
visibility into their virtual payment footprint.

Ethoca
Mastercard and Ethoca Achieve Industry First: Reinvent
Dispute Resolution and Improve Customer Experience

Mastercard and Ethoca efforts to transform the dispute resolution process help UK issuers
significantly improve the cardholder experience, eliminate chargebacks, and in operating expenses.
Success driven by new solutions that enable mass merchant-issuer collaboration and facilitate                           23

enhanced fraud & dispute data sharing on a global scale.

Lloyds Bank and Bank of Scotland
Subscription Management Service

Lloyds Banking Group is leveraging the latest in PaaS and Cloud technology to provide
innovative new solutions allowing customers to cancel subscription services directly
through the mobile banking app within just 3 clicks. The service is provided through a
partnership with Swedish FinTech - Minna Technologies, and Visa.

PCI Pal with The London Borough of Waltham Forest
PCI Pal: Securing Payments for Waltham Forest council

Waltham Forest Council has implemented PCI Pal’s Agent Assist, enabling resolution
centre staff to securely handle telephone-based payments, while maintaining privacy
of cardholder data. Now, residents input card details anonymously – plus the solution
has enabled the council’s team to continue handling secure and compliant payments
remotely throughout the pandemic.

Verisk Financial
Transaction Transform - String Cleansing and Enrichment Application

Transaction Transform takes chaotic raw transaction information, applies industry
leading cleansing and enrichment, to return consumer friendly insight that is easily
accessible via web or mobile. Our service is powered by a global database of
quadrillions of transactions, using proprietary cleansing algorithms built upon decades
of financial Industry data analytics.
Best Industry
                                                                                                     CATEGORY SPONSOR

     Innovation

     Blackhawk Network
     Introducing the One4all Digital Gift Card – a world-
     first fully mobile multi-store gift card

     One4all Digital is the first fully mobile multi-store gift card on the Visa platform, and
     one of the first to bring multi-store digital gifting to the public. Customers can now buy,
     customise, send and spend a One4all Gift Card in over 60,000 stores or online, all from
     their mobile phone.

     Contis
     Buffer by Contis

     Buffer Secondary Authorisation by Contis is the first product of its kind. Fund your card
     transactions in real-time from a secondary source. Despite a zero-account balance, you
     can draw-down at point of sale from a wallet loaded with cash, crypto, gold, savings, or any
     asset you want!

     Ethoca
     Mastercard and Ethoca Achieve Industry First: Reinvent
     Dispute Resolution and Improve Customer Experience

     Mastercard and Ethoca efforts to transform the dispute resolution process help UK issuers
     significantly improve the cardholder experience, eliminate chargebacks, and save in operating
24   expenses. Success driven by new solutions that enable mass merchant-issuer collaboration and
     facilitate enhanced fraud & dispute data sharing on a global scale.

     Lloyds Bank and Bank of Scotland
     Subscription Management Service

     Lloyds Banking Group customers are now able to view and cancel subscription services
     directly through the mobile banking app within just 3 clicks. The service is provided through
     a partnership with Swedish FinTech - Minna Technologies, and Visa. It’s currently live to
     nearly 1m customers, and soon to be 11.5m.

     NatWest Group
     Introducing free Credit Score functionality into the NWG
     Mobile Banking App, partnering with TransUnion

     NWG, working in partnership with TransUnion, is the first and only bank to offer a free
     credit score service to all their Mobile Banking App customers in the UK, aimed at helping
     to educate customers on their finances, build financial capability and provide knowledge so
     they can make better financial decisions.
NewDay
Newpay - a digital revolution in Retail Finance

NewDay’s digital revolving credit account seamlessly integrates into a merchant’s
purchase journey, offering a suite of repayment options. Customers apply via a partner-
hosted application that delivers high acceptance through intelligent underwriting. Access
for merchants is both simple and cost effective with payments processed across the           25

Mastercard network.

NewDay
Pioneering Digital Collections

Powered by our Manifesto, NewDay’s vision is to be the leading digitally enabled provider,
helping customers be better with credit, providing products that responsibly meet their
needs. Our Digital Collections Programme offers a suite of tools that allow customers in
financial difficulty to access support entirely online.

Paysafe Group
Coinbase Card (issued by Paysafe)

Launched in April 2019, Coinbase Card is a Visa debit card issued by global payments
provider Paysafe. As Visa’s first crypto-funded debit card and the first crypto card to
be made available in the UK and EU, Coinbase Card sought to make crypto as easy to
spend as traditional money.

Pollinate
Beyond payments - Pollinate’s innovative platform for global banks and SMEs

Pollinate reconnects banks with SMEs through payments. Facing challenge from digitally
native disruptors like Square and Shopify, Pollinate provides banks a white-label digital
platform that allows them to compete. Our portal gives SMEs insights on their business
and key integrations (e.g., accounting, inventory, employee management) in a single place.
Excellence in
     Operational Innovation

     Capital One
     Capital One – pivoting to provide exceptional customer service

     When customers needed us most, a highly-effective team collaborated to deliver
     new digital and agent-driven customer service at unprecedented pace ahead of many
     competitors. The team continues to flex to the needs of UK regulators, customers and
     businesses, using its COVID response as an opportunity to continue to challenge norms.

     Lloyds Banking Group
     Lloyds Bank – Place2b

     Our Place2b solution has supported over 30,000 colleagues across the UK in transitioning
     to home working quickly and safely during the pandemic. Place2b enables colleagues to
     request and purchase the equipment they need through virtual cards without an onerous
     approval process, allowing them to continue to deliver for our customers.

     Moneyhub Enterprise
     Aon LIfetime Personal Financial Management

     Leading global professional services firm Aon selected Open Finance platform Moneyhub
     to revolutionise its financial wellbeing offering, with the launch of the ‘Well One Money’
     app powered by Moneyhub’s Open Banking aggregation, intelligence and payment
26   initiation to deliver more engaging and hyper-personalised user experiences.
Best Payment Facility
non-credit

Global Processing Services (GPS) + Ziglu
Global Processing Services (GPS) and Ziglu

Ziglu has enabled consumers to acquire and confidently spend cryptocurrencies as
easily as fiat currency on a single payment card. With the support of Global Processing
Services (GPS), The PayTech Pioneer™, Ziglu successfully overcame the challenge of
combining unregulated crypto alongside a regulated fiat capability running on trusted
Mastercard payment rails.

Marqeta
Lydia disrupts French payment sector with industry-leading all-in-one app

Launched in 2013, Lydia is the most famous payment app in France, providing a large array
of financial services to more than 4 million users. In 2020, they partnered with Marqeta,
the world’s first modern card issuing platform, to create flexible payment options for their
consumers at scale.

NatWest
Biometric Payment Fob – NatWest delivers another biometric first!

Never be left without a way to pay again with NatWest’s biometric payment fob. Offering
peace of mind; it’s always with you and ready to pick up the bill in case you forget your
wallet, phone, or have forgotten your pin. It’s highly secure and it’s quirky.
                                                                                               27

Tesco Bank
Tesco e-Gift Card Platform

The Tesco e-Gift Card platform launched in May with the Volunteer e-Gift Card, offering
customers the ability to send a digital gift card to a volunteer to pay for their shopping,
supporting Tesco customers with access to groceries during the COVID-19 pandemic.
Subsequently the Tesco ‘Little Moments’ gifting proposition launched providing a way to
give a meaningful gift and make someone smile.
Best Service
                                                                                                   CATEGORY SPONSOR

     to Business

     Advanzia Bank
     Turnkey credit card solutions for private banks

     Advanzia’s turnkey credit card solutions for private banks have helped drive down
     operating and administration costs by up to 80% and compliance expenses by up to 20%.
     Banks can now also launch a new credit card programme in a mere five weeks, an increase
     in speed of at least 90%.

     American Express
     Small is Back – Supporting Small Independent Businesses with
     Shop Small and Love Local from American Express

     American Express launched its biggest ever UK Shop Small campaign coinciding with the
     easing of lockdown, to drive footfall back to the high street and support independent small
     businesses at a critical time and in the months ahead.

     ANNA Money
     ANNA Money

     ANNA is available to any self-employed creative freelancer or small business that wants
     help organising their finances, from invoices to expenses. Giving them more time to get on
     with what they want to do, helping them to stay in control of their money, and freeing up
28   more of their time.

     Chargebacks911
     Chargebacks911

     Chargebacks911 is the only technology platform offering comprehensive end-to-end
     chargeback management to guarantee reduced dispute volumes and automate revenue
     recovery from invalid claims. It provides services to 36 of the world’s most recognisable
     financial institutions, supporting over one million merchants globally, offering the most
     comprehensive suite of plug-and-play third-party connections.

     Checkout.com
     The 60 hour sprint to get Curve back up and running after Wirecard’s demise

     Checkout.com is a global payments solution provider that empowers the world’s fastest
     moving and innovative enterprises. Following the suspension of Wirecard by the FCA,
     Curve was able to source, sign and integrate Checkout.com as its new acquiring partner,
     and migrate its issuing capability in-house in the space of a weekend.
ClearBank
ClearBank’s cutting-edge payment infrastructure

ClearBank’s payment infrastructure is a critical pillar of ClearBank Tide Business Banking
(CTBB), a Tide service which is today the third largest business banking challenger having
acquired over 230,000 customers. Tide can now offer SMEs an alternative to the poor
customer service, high costs and bureaucracy of high street banks.                           29

Tyl by NatWest
A new and innovative payments partner for UK SMEs
developed in partnership with Pollinate

Tyl by NatWest is an innovative new payment partner helping SMEs run, manage and grow
their businesses. Customers can take card payments easily and access a unique range of
data-led insights and services. We have seen dramatic growth in 2020, helping many SMEs
take card payments for the first time.

Verisk Financial
Going Viral: New COVID-19 Rapid Response Protects Payments Industry

In February, G2, a Verisk Financial business, formed a COVID-19 Rapid Response team,
which quickly leveraged G2 technologies, publicly available data, and analyst expertise to
identify pandemic-related fraud. They developed a two-pronged approach to protect banks
and payment processors: (1) identify COVID-related fraud in merchant portfolios, and (2)
create an aggressive COVID-19 education program.

Xero (UK)
Pay with TransferWise

Pay with TransferWise is Xero’s domestic bill payment feature. The simple, fast and secure
solution enables small businesses and their advisors (accountants and bookkeepers) to
accurately and efficiently manage the accounts payable process through Xero, by paying
multiple bills at once, with a solution that works across all UK banks.
Best Benefits or
     Loyalty Scheme

     American Express
     Launching the Vitality American Express® Credit Card

     American Express and Vitality launched the UK’s first credit card that rewards
     Cardmembers with money in their pocket for being physically active. Forming part
     of Vitality’s member benefits programme, the Vitality American Express® Credit
     Card has a unique wellbeing focus offering an innovative cashback incentive to
     health conscious consumers.

     Bank of Ireland
     Student Rewards

     Bank of Ireland (BOI) Student Rewards is a loyalty programme in partnership with VISA
     through the Bank’s Live Life Rewards programme. The third level (18-24 year old) segment
     is a key cohort for BOI. In order to drive card usage with this cohort a tailored Live Life
     Rewards proposition was designed with retailers that research had told the Bank students
     were interested in.

     NatWest Group
     NatWest Group - MyRewards 3.0

     NatWest Group completely overhauled its rewards proposition and simplified digital
     journey, increasing loyalty within its existing customer-base while fostering engagement
     with the next generation. By making rewards accessible and inclusive, NatWest Group
30   proved that, even a traditional bank is still competitive in today’s digital-first society.

     Permanent TSB
     Permanent TSB Explore Account

     The Explore Account is all about consistently rewarding our customers just for doing their
     everyday banking with us. This is done in four great ways; GoRewards, 10c back as you
     pay, cashback on bills and 2% cashback on your Permanent TSB Mortgage - all for a no
     nonsense, straightforward monthly fee of €6.
A very warm thank you to all our sponsors
 without whom The Card & Payments Awards would not be possible.
The Card & Payments Awards
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