2021 SHORTLIST - The Card and Payments Awards
←
→
Page content transcription
If your browser does not render page correctly, please read the page content below
2021 SHORTLIST
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
4
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
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.
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.
11Best 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. 17Best 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 Garden Studios +44 20 7866 8188 71-75 Shelton Street info@cardandpaymentsawards.com London WC2H 9JQ www.cardandpaymentsawards.com
You can also read
