2019 WINNERS MAGAZINE - Card and Payments Awards
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2019 W I N N E R S M AGA Z I N E
We power banking and payments designed for the new economy Find out more at contis.com
THANK YOU FOR ATTENDING
The Card & Payments Awards 2019
What a superb night was had by all. Superbly hosted by the Our thanks to Silver Sponsor, Ingenico, who go to huge
effervescent Mr Gyles Brandreth, who captured better than lengths to ensure that our charity partners gain maximum
anyone the importance to the economy of what the payments benefit from the raffle each year, this year raising an
industry is doing. impressive £22,500 for Anthony Nolan.
We had more organisations than ever enter in 2019, and Last, but by no means least I would like to thank Prime Sponsor
this is representative of just how dynamic the industry has TSYS for their unwavering support of this event. TSYS’ desire
become, with more and more new entrants into the market. to promote industry wide growth, integrity and excellence is
These “new payments” organisations are now leading the way truly amazing and for their support we are truly grateful.
in changing how payments are processed.
We look forward to seeing you again at next year’s event
Many of them got the recognition that they so justly deserved which will take place on Thursday 6th February 2020 at the
for their innovation and consumer centric approach. Great Room in the Grosvenor Hotel.
That’s not to say that the more established players are not As always, I would encourage
doing anything for the good of the consumer - just a cursory you to book your tables early
flick through this magazine will bear witness to this. via our website: www.
cardandpaymentsawards.
Best practice should always be celebrated, success should com where you will also
always be rewarded and innovation, irrespective of its find details of how to enter
outcome, should always be applauded. That’s what we strive or join our sponsorship
to do each year, for the benefit of the consumer and the group for this important
industry as a whole. industry event.
Our sincere thanks go to our independent judging panel, led by The Call for Entries for 2020
Chair Mr Roger Alexander. Please click here for a bio on each of will be launched in June 2019.
our carefully selected and incredibly hard-working judges.
Please do also have a look at our sponsoring organisations. They
understand the need for an independent forum to recognise all Michael Harty
that is best about this industry. Their investment in the process Managing Director
is for the industry as a whole and is to be admired. The Card and Payments Awards
Contents
09 Best Industry Innovation of the Year 29 Industry Achievement Award
10 Best Initiative from an SME 31 Best Initiative in Mobile Payments
11 Best Achievement in Customer Service 33 Social Inclusion in Financial Services
13 Best Technology Initiative of the Year 35 Best Security or Anti-Fraud Development
14 Best Alternative or Digital Payments Programme 36 Best Achievement in Payments Processing
15 Changing Lives in the Community 37 Best Marketing Campaign of the Year
17 Best Service to Business 39 Best Benefits or Loyalty Programme of the Year
19 Best Consumer Credit Card or Credit Facility 41 Best Prepaid Product of the Year
21 Best Design of the Year 42 The Judges’ Award
23 Best Payments Industry Newcomer 44 Thanks to our sponsors
25 Best Debit Card Programme of the Year 45 The Judging Panel
27 Best Achievement in Retail Payments 46 Photos from the night
Unlocking Payment
Possibilities for People SM
We unlock possibilities in every payment,
because those possibilities improve
people’s lives and businesses.
Get to know us.
tsys.com | sales@tsys.com | +44(0) 1904 562000
2019 © Total System Services, Inc.® All rights reserved worldwide. TSYS® is a federally registered service mark of Total System Services, Inc.
v
TSYS
Winners Message
5
Gaylon Jowers Jr.
Senior Executive Vice President, TSYS
and President, Issuer Solutions
T H E W IN N ER S
www.TSYS.com
We are honored to have served, for the 14th consecutive year, as Prime Sponsor for The Card and Payments
Awards. The Card and Payments Awards continue to set the standard for payments today, and how we will move
forward in these transformational times where technology is at the forefront of every decision we make.
Each year, we are faced with a multitude of opportunities At TSYS, our commitment is unwavering. We remain
and challenges that push us to adapt, transform and focused on guiding our customers through their growth
modernize. While the core principles may remain consistent, journey; balancing innovation and risk, collaboration and
our approach to addressing them will continue to adjust competition, growth and stability and relentlessly focusing
based on how they impact the payments ecosystem. A few on what is important to our customers.
fundamental components that we are focused on are:
This is how we will continue to deliver positive change
• The power of the customer engagement model has in our industry.
never been so important; as is the need for providing a
seamless, omnichannel experience. Thank you to everyone that participated in The Card and
• The need to innovate at an accelerated pace, while Payments Awards 2019 and congratulations to all of the
maintaining a highly secure ecosystem. nominees and winners. We look forward to seeing you
• Navigating the uncertainties associated with Brexit next year!
while we determine what this means to our industry,
our organizations and our customers.
‘HE’S A
SUPERMAN!’ Rupert, about his donor Billy
WE NEED MORE HEROES LIKE BILLY
HELP US FUND THE SEARCH
Partner with Anthony Nolan to help save more lives
Finding Rupert’s stem cell donor wouldn’t have been
possible without people like you supporting our work.
YOU can help make sure every person who needs
a stem cell transplant finds their superman.
Anthony Nolan is hugely grateful to be The Card & Payments Awards
charity beneficiary 2019. If you are interested in finding out more about
Anthony Nolan and how YOUR support can save lives, please contact
corporate@anthonynolan.org
Rupert and Billy photo: ©2018 iphonography.co.uk Reg charity no 803716/SC0388271681FR 1218
The 2019 Winners
Best Industry Innovation of the Year Best Achievement in Retail Payments
Ikano Bank - The UK’s market leading home Divido - building the world’s largest
renewables consumer protection scheme platform for point-of-sale finance
Best Initiative from an SME Industry Achievement Award
Acceptacard - PayaCharity - Contactless Donations Martina King
Best Achievement in Customer Service Best Initiative in Mobile Payments
Lloyds Banking Group - Lloyds Banking National Westminster Bank - ClearSpend: mobile & 7
Group’s Proactive Customer Service desktop application for Commercial Card customers
Best Technology Initiative of the Year Social Inclusion in Financial Services
Ethoca - Ethoca and Capital One UK Collaborate to Ensure ClearScore - Coaching
Exceptional Purchase Experiences for Cardholders
Best Security or Anti-Fraud Development
Best Alternative or Digital Payments Programme Vocalink Analytics - Corporate Fraud Insights
MuchBetter, issued by Wirecard
Best Achievement in Payments Processing
Changing Lives in the Community Banking Circle Virtual IBAN – a genuine game-
Capital One - Changing Futures – changer for the payments marketplace
T H E W IN N ER S
Capital One and humanutopia
Best Marketing Campaign of the Year
Best Service to Business Mastercard - Listening Room (BRIT Awards 2018)
Soldo - The Complete Spend Management
Solution, Built for Business
Best Benefits or Loyalty Programme of the Year
American Express - Amex Offers
Best Consumer Credit Card or Credit Facility
NewDay - Amazon Platinum Mastercard
Best Prepaid Product of the Year
B4B Payments, issued by Wirecard
Best Design of the Year
Capital One - Collections Plans in Mobile App
The Judges’ Award
Kelley C. Knutson
Best Payments Industry Newcomer
Token - Open Banking with Token
Best Debit Card Programme of the Year
Allied Irish Banks (AIB) - AIB Everyday Rewards
Transforming global commerce Proud sponsors of The Card & Payments Awards 2019 and Anthony Nolan At First Data, we develop the technology solutions that make payments simpler, faster, and more secure. Our payment solutions help merchants and financial institutions succeed. With more than 40 years of experience, First Data powers global commerce like no other. To find out more, please visit FirstData.com © 2018 First Data Corporation. All rights reserved. The First Data name, logo and related trademarks and service marks are owned by First Data Corporation and are registered or used in the U.S. and many foreign countries. All trademarks, service marks, and trade names referenced in this material are the property of their respective owners. 500412 2018-11
Best Industry Innovation
of the Year
WINNER
9
Ikano Bank
The UK’s market leading home renewables consumer protection scheme
L-R Keith Rowling, Senior Vice President & General Manager, EMEA Financial Services, from sponsor
First Data; Mark Williams, Senior Account Manager, Ikano Bank; Gyles Brandreth, Host
DESCRIPTION FINALISTS
Consumers are generally interested in the benefits that home-generated renewable Amazon Pay
T H E W IN N ER S
power sources can bring, both to themselves and the environment. However, with Amazon Pay with Alexa
reductions in government subsidies, the high costs for equipment and poor industry Skills for Virgin Trains
controls have created low confidence amongst consumers and finance providers. The
impact has been a shrinking renewables market mirrored by declining finance options. ClearBank
ClearBank
To help address this and supporting
JUDGES COMMENTS Ikano Bank’s values of offering simple Contis
meaningful solutions for consumers, the Contis & Wirex
The judges admire Ikano Bank’s bank launched a market leading home
desire to build a sustainable renewables protection service called Featurespace
business by taking a long-term the Energy Performance Validation Featurespace’s best in class innovation:
view on their investment. They Scheme (EPVS). The goal was to provide multi-tenancy in fraud prevention
have shown real innovation which a customer focused finance product
impacts both consumers and that would help with the purchasing Glint
businesses. This is an honourable of renewable products, whilst also Glint, issued by Wirecard
collaboration between the Financial removing industry issues such as mis-
sector and renewable resources. selling, mis-representation and poor KBC Bank Ireland
installation work. KBC Bank Ireland - Revolutionary Digital
Lost & Stolen Card Replacement
Ikano developed the EVPS in partnership with The Home Insulation and Energy
systems Contractors Scheme (HIES). They guarantee that consumers do not receive
over-inflated product benefits in terms of energy generation, storage and saving H I G H LY C O M M E N D E D
calculations. The scheme also ensures that all installers are vetted and fit for purpose,
installations are installed professionally, purchases are guaranteed by specialist Amazon Pay
insurance and consumers have free access to an alternative dispute resolution. Amazon Pay with Alexa
Skills for Virgin Trains
Ikano Bank launched this scheme as a free service, available to everyone regardless of
taking finance from the bank and the results have been impressive.
Best Initiative from an SME
WINNER
10
Acceptacard
PayaCharity - Contactless Donations
L-R Keith Rowling, Senior Vice President & General Manager, EMEA Financial Services,
First Data; Mark Mellor, Sales Director, Acceptacard; Gyles Brandreth, Host
DESCRIPTION FINALISTS
Founded in 2009, Acceptacard is an independent provider of card processing Cashplus
T H E C A R D & PAY MEN T S AWA R D S 2 0 19
solutions based in Northampton. Following the early success of the ‘Pay As You Go’ An industry-first trio of business-
proposition ‘Payatrader’ Acceptacard continued to build expertise in segmented ready APIs from Cashplus
solutions, and in February 2018 launched ‘Payacharity’. enhance customer service and
speed payments for UK SMEs
Created to help charities and not-
for profit organisations of all sizes, Glint
JUDGES COMMENTS
PayaCharity harnesses the capabilities Glint
of contactless donations, underpinned
Acceptacard stood out as tackling
by the UK’s first end-to-end merchant
a very important market for the
account, gateway, fulfilment, data
payments industry. A commendable
tracking and support service.
entry because this is a full-term
solution that really solves a need.
The initiative effectively brings together
Not just to arrest a negative
a complex supply chain under a single
development, but an opportunity
brand to deliver an affordable and valuable
to go beyond and accelerate. To
solution for charity organisations of all
make it work is really clever.
sizes, helping their fundraising initiatives to
change the lives of the community at large.
In 2017, with 10 years history and 100m+ contactless cards already in issue in the UK ,
the acceptance market for charities was seriously lagging behind – with only a handful
of charities having incorporated contactless giving into their fundraising strategy.
Despite the obvious availability of contactless technology, the complex supply chain and
reluctance of service providers to offer the right propositions created barriers to entry.
2018 has seen adoption across all types of charities, with metrics demonstrating
strong returns compared to cash boxes. This time last year, the contactless donations
market was stagnant and within the last 12 months this has been turned around.Best Achievement in
Customer Service
WINNER
11
Lloyds Banking Group
Lloyds Banking Group’s Proactive Customer Service
L-R Peter Cox, Executive Chairman and Founder, Contis; Elyn Corfield, Managing Director
of Consumer Finance, Lloyds Banking Group; Gyles Brandreth, Host
DESCRIPTION FINALISTS
Imagine being stranded in a foreign land, with no accommodation or way to get American Express
T H E W IN N ER S
home. This was true for 110 thousand UK citizens when Monarch Airlines declared Merchant-led, Data-driven
insolvency at 4 a.m. on 2nd October. Whilst customers were left feeling unsure of Relationship Management
what to do or where to turn to, Lloyds Banking Group’s data teams leapt into action.
Barclaycard
Using credit card transaction history, Barclaycard Payment Solutions
they were quickly able to identify those – Proactive Security Service (in
JUDGES COMMENTS who may be affected by the liquidation partnership with Sysnet)
of Monarch and in need of support.
This is an excellent example of a Barclays
proactive customer service programme The group then sent proactive messages Barclays Mobile Cards Hub
being applied systematically, via multiple channels, to provide advice
turning a negative into a consumer and guidance to those caught up in the NewDay
positive. The judges were impressed event, along with how and where to get NewDay Customer feedback programme
that this has been service-led and further support if needed. Together with for continuous improvement
not a commercial response. Air Travel Trust, the group were able to
ensure customers made it home safely and Sage Pay
on time, minimising disruption and distress. Sage Pay Customer Service – Delivering
Outstanding Service 24/7/365
This would be the catalyst for a new way of thinking when it comes to proactive
customer care in the face of disasters. If an event has the potential to affect even the SmartDebit
tiniest population of customers, they want to know about it, and to offer support. Improving standards in
the face of change
These actions did not go unnoticed by customers. Post-Monarch insolvency, Lloyds
Banking Group’s NPS went up as a consequence.
H I G H LY C O M M E N D E D
NewDay
NewDay Customer feedback programme
for continuous improvementFrom one innovator to another
INFORMATIONS GENERALES
Client: INGENICO
Date : 10 DEC 2013
DOCUMENT D’EXECUTION
INGENICO_TD.ai
COULEURS UTILISEES APPROBATION
7540 C 1795 C
Utilisation: Impression en tons
directs.
Ne pas utiliser pour application
écran.
Congratulations to Ethoca and Capital One UK
Staying ahead isn’t easy.
Global
So, here’s to you for your continued leader
focus on the customer and their
experience. in seamless
Well done!
payment
Sponsor of: www.ingenico.co.uk
Best Technology Initiative of the Year infouk@ingenico.com
The Card and Payments Awards 2019 @IngenicoBest Technology
Initiative of the Year
WINNER
13
Ethoca
Ethoca and Capital One UK Collaborate to Ensure
Exceptional Purchase Experiences for Cardholders
L-R Ian Benn, Senior Vice President, Western Europe, Banks & Acquirers, from sponsor Ingenico; David Laramy,
Head of Fraud & Operational Insight, Capital One; Andre Edelbrock, CEO, Ethoca; Gyles Brandreth, Host
DESCRIPTION FINALISTS
It is common for cardholders to experience confusion when reviewing transactions Banking Circle
T H E W IN N ER S
in their online statement or the bank’s mobile app and there can be many reasons for Banking Circle Virtual IBAN – a
this. When these cardholders call into their bank to then dispute these unrecognized genuine game-changer for the
transactions, the entire payments ecosystem suffers. payments marketplace
For cardholders, this creates a bad Cashplus
customer experience: their card may Cashplus makes bulk payments
JUDGES COMMENTS be cancelled, they will have to replace faster, cheaper and easier via an
their card in other online accounts, their innovative Payments API and Portal
Ethoca stands out not only because regular purchase behaviours may be
it’s delivering a better experience disrupted as they wait for their card to be Curve
for customers, but also reducing replaced and they will likely experience Curve, issued by Wirecard
chargebacks and disputes. A nice, more false declines in the future.
original solution using technology, Divido
resolving a real and significant In September 2018, Capital One UK Divido - building the world’s largest
problem in the online world. started using Ethoca Eliminator to platform for point-of-sale finance
address this growing problem and focus
on creating a better experience for its Lloyds Banking Group
cardholders. Now, when a Capital One UK Transforming the in-branch experience
cardholder calls into the bank to dispute an unrecognized transaction, the bank agent
shows the cardholder detailed information including a digital receipt and extended Nationwide Building Society
purchase details. This information is provided through Ethoca’s exclusive integrations Nationwide/TSYS Robotic
with the world’s top merchants. Before Ethoca Eliminator, there was no way for a bank Process Automation
to show the cardholder this information to ‘deflect’ a dispute in real time.
Sage
Capital One UK cardholders can now immediately recognize their purchases. There is no Sage Business Cloud Invoice Payments
need for a formal dispute or claim to be filed with the bank: cardholders’ cards remain
intact, they continue to transact without friction and enjoy a better experience.Best Alternative or Digital
Payments Programme
WINNER
14
MuchBetter
MuchBetter, issued by Wirecard
L-R Peter Cox, Executive Chairman and Founder, Contis; Brian Lawlor, Director of Sales and Business Development,
Wirecard; Paul Gent, Chief Marketing Officer, and Israel Rosenthal, Co-Founder, MuchBetter; Gyles Brandreth, Host
DESCRIPTION FINALISTS
Launched in November 2017, MuchBetter is a next-generation e-wallet that Banking Circle
T H E C A R D & PAY MEN T S AWA R D S 2 0 19
lets users make and receive payments instantly with just their smartphone and Banking Circle Virtual IBAN – a
fingerprint. It combines best-in-class functionality from across the payments industry genuine game-changer for the
with its own technology, creating a seamless user experience with unrivaled security payments marketplace
– preventing all forms of third-party fraud or account takeover via its pre-paid card
and dynamic CVV number. Checkout.com
Accept More, with Checkout.com
The app also has a freeze card feature
and instant payment notifications, which PPRO
JUDGES COMMENTS means that users are immediately aware of PPRO: the power behind the
any transactions on their card, and don’t globalisation of e-commerce
This was a strong submission have to call their bank or MuchBetter to
because of the authentication and block the card in case it is lost.
the payments device provided
by MuchBetter. It’s unique and There have been no instances of third-
the benefits for both consumer party fraud on MuchBetter accounts
and merchant are clear. to date. This means that the cost and
resources required to prevent, monitor
and remediate fraud is greatly reduced.
MuchBetter’s wallet platform for wearables also lowers the barrier to entry for brands
designing wearable/IoT NFC devices.
The number of merchants and users signed up to MuchBetter is testament to the
strength and maturity of its product. MuchBetter’s combination of best-in-class
technology with its own IP (e.g. Dynamic CVV) is perhaps its greatest success,
creating a service that is both incredibly secure and easy to useChanging lives in
the Community
WINNER
15
Capital One
Changing Futures – Capital One and humanutopia
L-R Ian Benn, Senior Vice President, Western Europe, Banks & Acquirers, Ingenico; Lucy-Marie Hagues, Chief Marketing Officer,
Dave Richards, Head of Corporate Responsibility, and Amy Lenander, UK CEO, all from Capital One; Gyles Brandreth, Host
DESCRIPTION FINALISTS
Capital One is one of the largest employers in Nottingham, a city which was ranked Acceptacard
T H E W IN N ER S
the eighth most deprived district in England in 2015 (IMD). With so many young PayaCharity - Contactless Donations
people in deprived and workless households, Capital One set out to add support
through their CSR programmes, focusing on helping the next generation to improve American Express
their wellbeing and employability. Changing Lives in the Sussex Community
In 2017, Capital One started working as American Express
a corporate partner with humanutopia, Shop Small
delivering ‘Changing Futures’, a life-
JUDGES COMMENTS
changing programme across schools in Avantcard
Nottingham. It’s aimed at 14-15 year olds Avantcard, positively impacting the
It was a landslide victory for Capital
who are experiencing issues preventing community in which we live and work
One with this clearly thought-through
their progress at school. With an overall
submission, showing a demonstrable
theme of wellbeing, the programme Mastercard
improvement to a community. The
takes students on a journey, building Mastercard Feed Their Future Initiative
initiative addresses a segment deemed
the skills/attitude needed to help
to be at risk with huge local impact.
them redefine their hope, confidence,
relationships, employability and most
importantly, happiness.
What makes this programme special is that it is about inspiring the next generation,
raising aspirations, helping them understand they don’t need to be defined by their
community. The outcomes have been exceptional, with teachers’ and students’
feedback highlighting the lasting effect the programme has had on many of its
participants in terms of self-belief and attitude.
Participants from Capital One, who act as mentors and coach small groups through
the humanutopia activities and events, have gained a great deal of satisfaction from
their involvement.
Ultimately, it’s a programme that delivers a real win-win for Capital One and the young
people from the community.Best Service to Business
WINNER
17
Soldo
Soldo - The Complete Spend Management Solution, Built for Business
L-R Matt Sloan, Managing Director EMEA, from sponsor Discover Global Network; Edoardo Volta, Vice
President of Fintech, Mastercard, who accepted on behalf of Soldo; Gyles Brandreth, Host
DESCRIPTION FINALISTS
Business spending today is chaotic and time-sapping. Managing corporate cards, Allstar Business Solutions
T H E W IN N ER S
receipts, expense reports, reimbursements, budgets and analysis costs companies Allstar Plus VISA card from
time, money, and their sanity. Nothing is connected, and nothing makes sense. Allstar Business Solutions
Soldo overcomes these challenges American Express
JUDGES COMMENTS
with a multi-user expense account that Growing International spend for
combines smart Mastercard® cards, American Express Merchants in the UK
Soldo was the strongest entry, intuitive admin and effortless reporting.
delivering value in the way that The platform streamlines the entire Barclaycard Commercial Payments
the judging criteria is based. This business expense cycle – from spending Payment Strategy Consulting
is a well thought out approach, to reconciliation. by Barclaycard
providing a clear proposition and
solving both the payments and Unlike traditional banking solutions, Checkout.com
expenses problems for businesses. a Soldo account can be set up within Accept More, with Checkout.com
minutes; is multi-user and multi-
currency; shows real-time transaction Handepay
data; can categorise transactions; provides reporting analysis, and easily integrates Cost-effective pricing and excellent
with accounting software. customer support enables businesses
of all sizes to stay competitive
Having spent two years building a world-class B2B payments platform, Soldo launched
in the UK and Italy in early 2017, with strong early results and customer validation. Lloyds Banking Group
Through partnerships with fintech industry leaders GPS, Wirecard, Currency Cloud, Lloyds Banking Group’s
and Starling Bank, Soldo leverages the power of prepaid in a B2B payment platform Partner Bank Solution
that is a true paradigm shift in the way businesses handle expense payments.
National Westminter Bank
Building on this success, Soldo’s customer base has grown at pace. Within the last 12 ClearSpend: mobile & desktop
months, the number of registered accounts has increased more than ten-fold. application for Commercial
Card customersYOU WANT TO STAY AHEAD
OF THE COMPETITION.
WE HAVE THE TOOLS TO HELP
YOU GET A HEAD START.
From geolocation to real-time alerts to tokenization,
Visa Developer Platform offers you direct access to APIs,
tools and support that can help you build easier, faster
and more secure ways to power commerce.
developer.visa.comBest Consumer Credit
Card or Credit Facility
WINNER
19
NewDay
Amazon Platinum Mastercard
L-R Gyles Brandreth, Host; Rea Marco, Senior Product Manager, Amazon; Chris Altman, Senior Client
Manager, NewDay; Jeni Mundy, Managing Director UK & Ireland, from sponsor VISA
DESCRIPTION FINALISTS
NewDay and Amazon have created a market-leading credit card that brings American Express
T H E W IN N ER S
together a strong loyalty proposition, made more accessible to all through a American Express ® Preferred
counter offer and upgrade programme. The Amazon Platinum Mastercard now Rewards Gold Credit Card
offers customers 150bps back on all Amazon.co.uk spend (for eligible Prime
members) and 50bps for all other spend. Lloyds Banking Group
MBNA Horizon Credit Card
This allows customers to accumulate
more points and get their Amazon.co.uk M&S Bank
JUDGES COMMENTS gift cards quicker, since every 1000 Not just any credit card,
points are automatically redeemed for the M&S Credit Card
NewDay is very powerful; a focused a £10 gift card loaded directly to the
proposition with excellent metrics and customer’s Amazon account. PayPal UK
fantastically clever. The card sets out PayPal Credit - credit
to create more loyalty to the brand and This process was designed to ensure a without the plastic!
succeeds in promoting Amazon spend. seamless points redemption process for
customers. Amazon Platinum customers Royal Bank of Scotland / NatWest
still earn 75bps as per the original Royal Bank of Scotland / NatWest
proposition. Both parties have also worked to increase accessibility to the product Reward and Reward Black Credit Card
by offering a credit building card, the Amazon Classic Mastercard to those who don’t
meet the Platinum criteria via an integrated counter offer application process.
Customers who are approved for the Classic product are then rewarded when they
demonstrate good credit handling by being upgraded to a Platinum card after 12
months, subject to 3 pre-defined conditions disclosed during card application. The
Platinum card not only rewards its customers for their purchases but also encourages
customers to manage their credit responsibly.The Art
of Insignia
FROM THE WORLD’S LEADING
LUXURY FINANCIAL & LIFESTYLE MANAGEMENT GROUP
W W W. I N S I G N I A . C O MBest Design of the Year
WINNER
21
Capital One
Collections Plans in Mobile App
L-R Luka Sur, Business Development, from sponsor Insignia; Lucy-Marie Hagues, Chief Marketing
Officer, and Amy Lenander, UK CEO, from Capital One; Gyles Brandreth, Host
DESCRIPTION FINALISTS
Capital One is on a mission to change banking for good by empowering customers American Express
T H E W IN N ER S
who end up in credit card arrears to take charge of their debt quickly and effectively. American Express ® App
The aim is to achieve demonstrably improved customer engagement, increased
customer satisfaction and a reduction in debt that is written off. ANNA Money
ANNA Money, issued by Wirecard
Customer insight has revealed that
borrowers in arrears tend to avoid Coventry Building Society
JUDGES COMMENTS speaking to their bank because they Coventry Building Society’s
don’t expect them to be helpful and Lady Godiva Cash Card
Capital One stood out with a user- they feel guilty/ashamed about their
friendly and innovative app which debt. Clearly a new communication Starling Bank
helps the customer take control strategy was essential to help break Vertical Debit Cards
of their finances. The design down misconceptions about the bank’s
itself is sleek and clear, and the approach to collections, and to make Virgin Money
ability to formulate a repayment it easier for customers to arrange a Virgin Atlantic Airways Credit Cards
plan in-app is a unique feature. payment plan. Capital One therefore
designed new functionality within their
app, which included:
• A carousel of options, including pay-in-full/payment plan alternatives.
• The avoidance of financial jargon/legalese.
• An easy-to-follow, intuitive customer journey.
As a result, more customers are making repayments, more payment plans have been
set up, and almost double the number of customers have successfully kept to their
plan in the first month over previous digital channels.
The business benefits are clear. Capital One anticipate reduced losses, and therefore
an increase in revenue, increased self-service use and increased customer satisfaction.Congratulations
to this year’s winners.
Mastercard® is proud to sponsor the 2019 Card and Payments Awards,
in celebration of customer service, excellence and innovation.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.Best Payments Industry
Newcomer
WINNER
23
Token
Open Banking with Token
L-R Mark Barnett, Division President UK, Ireland, Nordics and Baltics, from sponsor Mastercard;
Chris Aruliah, VP Business Development, Token; Gyles Brandreth, Host
DESCRIPTION FINALISTS
Token’s open banking platform, TokenOSTM, allows a global ecosystem of banks, Arro Money
T H E W IN N ER S
bank customers and developers to move money and information securely, without Arro Money by Marq Millions
friction and instantly worldwide. With Token, money and transaction information
move as a unit instantly, securely, and at a low cost. ClearBank
ClearBank
Widespread development of proprietary
APIs is causing fragmentation and Konsentus
JUDGES COMMENTS integration pain in open banking, holding Konsentus; confidence in
back the development of the market. PSD2 open banking
Token were a clear winner in the Token solves this pain by offering a single
category. Open Banking standards API to access all banks – enabling rich MuchBetter
have only been available from January interactions between all parties and MuchBetter
this year, so it’s quite extraordinary delivering a frictionless digital consumer
that they’ve built their business on this. experience for data aggregation and bank
As one of the first in the marketplace, direct payments. Developers have access
the judges were impressed with to account data and payment initiation
this phenomenal achievement. at over 4,000 European banks through
a single API. Token‘s platform enables
banks to achieve PSD2 compliance in
less than 90 days and differentiate themselves by providing the underlying technology
to offer additional open banking use cases, rather than investing time and capital into
building and maintaining APIs and managing TPPs.
Token’s vision is to enable all transacting businesses to harness the power of open
banking to simplify, accelerate and reduce the cost of transacting globally. By doing
so, Token enables banks, PSPs, merchants and developers to generate new revenues,
improve security, access new customer intelligence and dramatically improve the end-
user’s payment experienceThere’s a reason why
AIB is the number one provider
of personal main current
accounts in Ireland*
We put our customers first by providing them with the day to day
tools, to help them to bank less and do more.
• AIB Everyday Rewards – Cards and Payments Awards, Best
Debit Card Programme 2019 Winner
• First to market in Ireland with Google Pay
• An Award winning Mobile App
• Bringing contactless payments to Ireland’s biggest music
festival Electric Picnic in partnership with AIBMS and Visa.
Allied Irish Banks, p.l.c. is regulated by the Central Bank of Ireland.
*Source: Ipsos MRBI, AIB Market Pulse Scorecard Q3 2018.Best Debit Card
Programme of the Year
WINNER
25
Allied Irish Banks (AIB)
AIB Everyday Rewards
L-R Matt Sloan, Managing Director EMEA, Discover Global Network; Isabel Hammel, AIB Card
Issuing, Head of Product Management, Allied Irish Banks; Gyles Brandreth, Host
DESCRIPTION FINALISTS
In 2017, customer research provided feedback that more customers associated AIB Curve
T H E W IN N ER S
with “everyday bad” than “everyday good”. The reason was fees – they didn’t think their Curve, issued by Wirecard
quarterly fees (which are normal in the Republic of Ireland) were value for money.
Royal Bank of Scotland / NatWest
That meant AIB needed to create an Royal Bank of Scotland / NatWest
JUDGES COMMENTS active, everyday experience that gives My Rewards Programme
customers a tangible sense of value
AIB has a very robust proposition in and turn “everyday bad” into “everyday Starling Bank
terms of consumer benefits. They good”. They needed to engage their Vertical Debit Cards
have provided the best metrics and customers more.
evidence of delivering the most value
to customers. AIB Rewards are clearly Card-linked offers (CLOs) seemed to
effective in providing innovation be the answer, providing cashback on
for debit within the market. purchases in nominated retailers, straight
back into the customers’ accounts. Proof
of concept began in May 2017, as a limited
offer to see if this CLO would attract a sufficient number of customers to be worthwhile.
AIB created an unassuming, clear family of communications centred on the strapline
Register. Redeem. Reward, which explained the process – register your cards online,
your cashback will be redeemed at participating merchants and you’ll be rewarded,
straight into your account within five days.
AIB Everyday Rewards has now become a cornerstone of AIB customers’ day-to-day
banking experience. Since the full launch in December, the number of registered
customers has increased significantly and continues to grow. Customers are now
much more appreciative of AIB, with surveys showing the majority of participants
love the rewards programme.BIG DATA, ANALYTICS AND INSIGHTS
THAT POWER ACTION AND RESULTS
Deliver growth with the largest integrated consumer
data set, and leading-edge technology
As one of the original innovators in big data, Verisk Financial integrates
the world’s largest set of otherwise disconnected spend, credit usage,
media and demographic data to help banks, financial regulators, retail
and media companies grow their businesses.
We combine this data with predictive analytics to uncover new
consumer insights and integrate them on the most technologically-
advanced platforms.
Whether it’s analyzing how to make your business more profitable, tailoring
your media strategies to likely purchasers of your brand, mapping bad
actors, combining retailer and customer insights, improving analysis of
risk associated with regulation and bankruptcy, or preventing fraud— we
ensure that your business can better leverage data to help you grow.
Turning data into insight and insight into results.
Ask us how. Visit our website www.argusinformation.com
or email us Argus.Communications@argusinformation.com.Best Achievement in
Retail Payments
WINNER
27
Divido
Divido - building the world’s largest platform for point-of-sale finance
L-R Roger Alexander, Chair of the Judging Panel; Iain Kedzlie, Head of Partnerships, Divido; Gyles Brandreth, Host
DESCRIPTION FINALISTS
Divido is a consumer finance platform that enables retailers, lenders and payment AIB Merchant Services
T H E W IN N ER S
intermediaries to offer instant finance to B2C and B2B customers at the checkout, #EPOnTap, the better way to pay,
online and instore. with Clover, as Live Nation delivers
contactless festival experience
When purchasing a higher-value item
or service, many customers are put off American Express
JUDGES COMMENTS from completing the purchase, feeling Merchant-led, Data-driven
uncomfortable handing over a large sum Relationship Management
By offering point-of-sale finance, all at once. This can lead them to look
Divido is both innovative and for cheaper alternatives or not purchase American Express
unique. The judges found this altogether. Because of this, retailers Shop Small
to be an interesting submission are losing out on a huge proportion of
with some big numbers and an potential customers - but with Divido Tesco Bank
alternative to high costs, which these sales can be secured. Tesco Pay+: simple, convenient and
could make a significant difference. rewarding payments at Tesco
By offering the customer the ability to
pay for the high-ticket item through
Divido’s instalments, at 0% interest, within minutes, the retailer can secure the sale
and also improve average order values.
Retailers offering Divido have increased sales and average order values significantly,
whilst lenders and payment providers licensing Divido’s technology can expand their
loan portfolios and grow transaction revenues.
Divido has built a client success team that not only supports every merchant during
the onboarding process, but also provides 7 days-a-week support for them after they
are set up. Whether this is providing them with marketing tips or recommending the
best finance option, the team is there for all participating merchants. Divido also
supports merchants’ customers, helping them to understand how Divido works and
taking them through the application process. As a result, Divido is the top-rated point
of sale (POS) finance company on Trustpilot.American Express® is proud to sponsor the
CARD AND PAYMENTS
INDUSTRY ACHIEVEMENT AWARD
americanexpress.co.uk/potential
YOUR MOMENT IN THE
SPOTLIGHT
Good luck to all the
award nominees.
American Express Services Europe Limited has its registered office at Belgrave House, 76 Buckingham
Palace Road, London, SW1W 9AX, United Kingdom. It is registered in England and Wales with Company
Number 1833139 and authorised and regulated by the Financial Conduct Authority.Industry Achievement Award
29
WINNER
Martina King
DESCRIPTION
Martina is CEO of Featurespace, having joined the company in 2012. Over the last couple of years, Featurespace
T H E W IN N ER S
have been going from strength to strength, providing machine learning technology to stakeholders right across the
card and payments industry.
They have been facilitating the increase in ecommerce, the
reduction in false positives and enabling merchants and
solution providers to operate in a safer environment. While
other companies provide machine learning and AI tools,
Featurespace remains ahead of them all.
JUDGES COMMENTS Martina is certainly the powerhouse behind this. She has done
a great job of commercialising their flagship product, the ARIC
The judges are delighted to see Martina platform, and selling it into mainstream financial markets. As
recognised for her achievements. How she an industry which needs fraud initiatives like this, it’s a clever
has driven Featurespace and succeeded in use of the application, which is now used every day and is
a competitive industry is commendable. considered a ‘must have’ by many businesses. The savings are
She’s done a great job of actually now being realised and they are not insignificant to the issuers.
getting the product, commercialising it Martina has been the driving force to push this through.
and selling it into mainstream financial
markets. A truly worthy winner. In an industry that is typically male-centric, Martina has
succeeded with excellent leadership skills and supreme
commercial acumen and she continues to grow.
She has an extensive career in media technology, including
leadership roles at Yahoo! Europe and Capital Radio and has
been named one of the top 40 most powerful women in tech.
Pictured L-R Daniel Edelman, Vice President, Head of Merchant
Marketing and Payment Innovation Europe, from sponsor American
Express; Martina King, CEO, Featurespace; Gyles Brandreth, HostGet a clear view on your
business spending
NatWest ClearSpend – the mobile app that gives
you complete visibility of your Commercial Card.
natwest.com/clearspend
ClearSpendBest Initiative in
Mobile Payments
WINNER
31
National Westminster Bank
ClearSpend: mobile & desktop application for Commercial Card customers
L-R Rene Kruse, Managing Director of International Services, from prime sponsor TSYS; Cathy Dargue,
Head of Payables & Receivables, National Westminster Bank; Gyles Brandreth, Host
DESCRIPTION FINALISTS
ClearSpend is a free to use, first to UK market mobile app and website providing Allied Irish Banks (AIB)
T H E W IN N ER S
NatWest customers with on the go real-time visibility of transactions and control of Best Initiative in Mobile Banking
maintaining their commercial card account. - Apple Pay integration with
AIB Mobile Banking App
Developed in partnership with Silicon
Valley Fin-Tech; SpendLabs, to provide Barclays
customers with a superior self service Barclays Mobile Cards Hub
JUDGES COMMENTS
experience. NatWest recognised
customers had a desire to self serve and Conferma
This is an example of a bank using
move away from traditional methods Conferma Pay
mobile technology to enhance
of contact, and providing ClearSpend
their service and offer a better
addresses this concern while reducing Contis
user experience to their current
the cost to serve. Engage & Samsung Pay
customers. The judges commend
NatWest for making their service
Available as a website and mobile app, Tesco Bank
far more efficient by reducing the
ClearSpend supports business customers Tesco Pay+: simple, convenient and
calls going into the call centre.
of all sizes, from sole traders to large rewarding payments at Tesco
corporates; with both Mastercard and
Visa cards supported.
NatWest are focused on understanding the difficulties customers experience on a day
to day basis managing everyday expenses. Through customer focus groups NatWest
gained comprehensive customer insight on the main reasons businesses chose not
to provide their staff with a company card. The key points being visibility, trust and
control. This insight helped NatWest to design ClearSpend so that it addressed all 3
areas in a simple to use application. Customers were engaged throughout the design
process to ensure the solution provided a first class user experience.
ClearSpend was launched in March 18 and already has over 11,000 active customers
and 18,000 users register. NatWest customers can now manage their commercial card
account in a way that suits them.Enhance EMV 3-D Secure Value Harmonising Authentication and Authorisation Decisions for the Ultimate Customer Experience With CA Technologies, A Broadcom Company, you can: • Ensure compliance with requirements set forth in the PSD2 Regulatory Technical Standards on Strong Customer Authentication • Take control of your authentication strategy and maintain the final authentication decision across multiple digital channels • Employ predictive neural network models to identify and stop fraudulent transactions using the industry’s only re- al-time behavioral analytics network comprised of unique e-commerce authentication data”
Social Inclusion in
Financial Services
WINNER
33
ClearScore
ClearScore - Coaching
L-R Rene Kruse, Managing Director of International Services, from prime sponsor TSYS; Freddie Kelleher, Business
Development Executive, and Sarah Megginson, Business Development Manager, from ClearScore; Gyles Brandreth, Host
DESCRIPTION FINALISTS
ClearScore is the UK’s No1 credit checking service, aiming to help everyone, no Capital One
T H E W IN N ER S
matter what their circumstances, achieve greater financial wellbeing. In addition to Capital One & Starter Card
giving people access to their credit score and report for free, in 2017 ClearScore
launched Coaching, to help people improve their finances. Capital One
Collections Plans in Mobile App
Many people are excluded from
JUDGES COMMENTS managing their finances effectively Contis
because they have a lack of clear, Engage & Samsung Pay
ClearScore’s Coaching is a fitting actionable advice - FCA data shows 24%
winner for this category. Accepting of UK adults have little or no confidence The Change Account
that people do need to borrow, they in managing their money. The Change Account,
look at how they best help customers. issued by Wirecard
They are open to competitive There was a need for a tool that offered
products and therefore not driven to simple, engaging, step-by step practical
one particular lender who has a high help that anyone could follow.
APR. They’re also coaching people
on how to be credit responsible. Coaching uses the latest bot-based
technology and popular ‘chat’ format
to help people get to grips with
their finances. Each programme uses simple language to boost confidence, before
recommending easy, personalised steps and small changes people can make to boost
their credit score and general finances.
Since October 2017, a huge number of Coaching plans have been started and
ClearScore continues to help users improve their credit score.
The success of Coaching in the UK means the programme has been rolled out
internationally and is now live in India with three Coaching plans in place and a
version in Hindi.FICO's advanced analytics and decision management solutions help leading payment card issuers around the world make the decisions that drive profitable growth, prevent financial fraud and improve the customer experience.
Best Security or
Anti-Fraud Development
WINNER
35
Vocalink Analytics
Corporate Fraud Insights – Vocalink Analytics
L-R Danny Bowles, Vice President & Deputy MD, EMEA, from sponsor FICO; David Divitt,
Vice President, Product Management, Vocalink Analytics; Gyles Brandreth, Host
DESCRIPTION FINALISTS
Payments fraud is a growing problem in the UK, and conventional methods of Accertify, an American
T H E W IN N ER S
detection are increasingly ineffective. Vocalink Analytics has harnessed the power Express Company
of data analytics and machine learning to develop an accurate and intelligent fraud Automating merchant
detection and prevention tool that identifies suspicious transactions before they are collaboration in CNP fraud
completed, allowing banks to validate them and, where necessary, return the funds
to their owners before they are lost forever. Argus Information &
Advisory Services
Corporate Fraud Insights uses advanced, Malicious Spending Fraud
machine-learning and behavioural Detection Models
JUDGES COMMENTS
analytics to determine whether a
payment is high risk. This new approach CA Technologies
Vocalink is taking data that has existed
to invoice redirection fraud detection Santander UK Harmonises
for a very long time, and then analysing
applies modern analytics to a huge data- Authentication and Authorisation
it in such a way that the banks can
set. If misdirected payments are detected with CA Technologies
predict each behaviour. This has huge
early in the cycle, they can be stopped
growth potential and the judges were
before reaching a fraudster’s destination Capital One UK
extremely complimentary of their
account – saving financial institutions Capital One UK & Synectics
efforts, recognising that this is a smart
and their customers considerable Solutions - Implementation of
solution to help companies today.
amounts each year, and reducing the the Precision Machine Learning
level of distress experienced as a result. Model for Application Fraud
Corporate Fraud Insights is now live, analyzing potentially millions of transactions ECOMMPAY
every day and delivering almost guaranteed accuracy on the small numbers of FraudStop 2.0 – pairing automated risk
transactions it flags. management with the human factor
Corporate Fraud Insights has enabled the bank’s fraud team to prevent huge losses for Lloyds Bank Cardnet
its business customers, stopping individual fraud attacks worth hundreds of thousands Protecting consumers: calling
of pounds. The programme also continues to stop the majority of invoice redirection time on PCI non-compliance
frauds on payments made through the non-real-time channel.
MuchBetter
MuchBetter, issued by Wirecard
The Chargeback Company
Powering over £1,065,000,000
in revenue recoveryBest Achievement in
Payments Processing
WINNER
36
Banking Circle
Banking Circle Virtual IBAN – a genuine game-changer for the payments marketplace
L-R Mishal Ruparel, General Manager, Banking Circle; Danny Bowles, Vice President & Deputy MD, EMEA, FICO;
Miranda McLean, Senior Vice President and Global Head of Marketing, Banking Circle; Gyles Brandreth, Host
DESCRIPTION FINALISTS
Banking Circle Virtual IBAN gives financial institutions the ability to issue multicurrency 3C Payment
T H E C A R D & PAY MEN T S AWA R D S 2 0 19
IBANs in their customer’s name and in multiple jurisdictions. Because this enables 3C Smartbox Payment Solution
merchants to make and accept cross border payments in different currencies, in a way
that traditional banks would simply not facilitate, it means Banking Circle Virtual IBAN Barclaycard
is a genuine game-changer for the payment’s marketplace. Barclaycard Payment Solutions
–Payment Acceptance
As a multi-currency, multi-jurisdictional Optimisation (PAO) and DASA
JUDGES COMMENTS payment processing solution, Banking
Circle Virtual IBAN enables financial Checkout.com
Banking Circle was the stand out institutions to give their merchant Accept More, with Checkout.com
entry in the category. The submission clients their own virtual IBANs, negating
covered an impressive roster the need to have several banking ClearBank
and a lot of newer entrants are relationships. With full transaction ClearBank
leaning on virtual IBAN. They are transparency, payments acceptance is
extremely competitive in this area. improved and screening time reduced.
Banking Circle Virtual IBAN also reduces
the likelihood of errors in processing cross border payments. Plus, reconciliation and
settlement times are improved, helping financial institutions improve the customer
experience. End-to-end transparency also reduces AML and KYC risk.
With a fast account set-up, customers can send money to the virtual IBAN
account, allowing for payments to be made and received at low cost per
transaction. And, crucially, the financial institution can provide its customers with
their online account status.
Banking Circle provides a unique approach to cross border transfers and the award-
winning Banking Circle Virtual IBAN solution delivers a unique proposition for
financial institutions to add value to their customer proposition.Best Marketing
Campaign of the Year
WINNER
37
Mastercard
Listening Room (BRIT Awards 2018)
L-R Mark Bergdahl, Managing Director, Loyalty Consulting UK; Nicola Grant, Vice President of Integrated Marketing &
Communications, and Kirsty Redfearn, VP, Area Marketing, Nordics and Baltics from Mastercard; Gyles Brandreth, Host
DESCRIPTION FINALISTS
2018 marked Mastercard’s 20th year as headline sponsor of The BRIT Awards, and American Express
T H E W IN N ER S
heralded the launch of its new global brand platform, Start Something Priceless. How Amex UK used innovation
to drive brand reappraisal
To celebrate, Mastercard wanted to show
JUDGES COMMENTS how music not only helps us connect, but American Express
can also restore relationships seemingly Money Well Spent
This was an exceptional category broken beyond repair.
which the judges found extremely Avantcard
difficult to narrow down to one winner. Inspired by Nordoff Robbins’ work in Avantcard ‘Made for you’ Campaign
Mastercard are to be commended music therapy, Mastercard commissioned
for their bravery in giving the team David Arnold, world-class composer, to Barclaycard
free reign on this campaign. This produce a track designed to break down “Be smarter with Smartpay” campaign
project really brings the whole emotional walls, and heal what words
brand together with one identity. cannot. The Listening Room encouraged Capital One
participants to face each other, and Capital One’s ‘Check it, don’t
asked them to simply listen to the music. When the song finished, the wall slid away to chance it’ advertising campaign
see if the music genuinely helped them to re-connect.
Mastercard
The campaign was seeded out in channels including OOH across the o2 arena and Mastercard Feed Their Future Initiative
London Underground, idents to support The BRITs Show, and Mastercard’s social and
digital owned and partner channels. One4all Gift Cards
Christmas Wishes Marketing
The campaign delivered on all objectives, notably by; increasing awareness of Campaign 2017
Mastercard as BRITs headline sponsor, increasing brand favourability, and increasing
usage intent within existing cardholders. Virgin Money
Virgin Atlantic Airways
However, Mastercard believes the campaign’s positive impact on the lives of its Credit Card Launch
participants is the real achievement here.
Virgin Money
World Food Programme -
One Million MealsBest Benefits or Loyalty
Programme of the Year
WINNER
39
American Express
Amex Offers
L-R Mark Bergdahl, Managing Director, Loyalty Consulting UK; Lucie Moseley, UK
Marketing Director, American Express; Gyles Brandreth, Host
DESCRIPTION FINALISTS
Amex Offers is a personalised card-linked offers programme which connects buyers Allied Irish Banks (AIB)
T H E W IN N ER S
and sellers by providing targeted merchant offers to Cardmembers. Cardmembers AIB Everyday Rewards
select the offers they want to save to their card, so Cardmember choice and
involvement are vital. But everyone offers offers – it’s easy for consumers to think Avantcard
of them as wallpaper. “Avantages” - Avantcard’s new
credit card rewards programme
American Express realised that they
JUDGES COMMENTS needed to make the offers more Barclaycard
noticeable and more personal to their Barclaycard Entertainment
This was the standout category winner Cardmembers:
for this year. Amex are perfecting Collinson
an area they’re very efficient in and More noticeable: by revamping Collinson’s Priority Pass:
there are well evidenced performance communications to include more offers driving loyalty with premium
metrics to support the submission. and use more channels (including email, connected travel experiences
They want to keep current account direct mail and social), even including
customers with personalised offers participating merchants’ point of sale. Royal Bank of Scotland / NatWest
and they are doing a good job of that. Royal Bank of Scotland / NatWest
More personal: by launching new and My Rewards Programme
enhanced product capabilities, including
the ability to target offers on specific transactions, personalise pricing and offer Sainsbury’s Bank
rewards in new currencies like Avios. Saying thanks to loyal shoppers;
how Sainsbury’s helped customers
A strong merchant engagement programme leveraged these new capabilities and, receive more Nectar points
partnered with a third-party card-linked offers provider, increased offer content and from their regular shopping
provided a richer and more exclusive programme to Cardmembers. This has the result to:
Virgin Money
• Encourage merchant participation Virgin Atlantic Airways Credit Cards
• Grow the number of Cardmembers YOY enrolled in Amex Offers
• Increase redemptions YOY
• Boost the number of Cardmembers redeeming for the first time
• Enhance spending among Cardmembers who redeemed at least one offer
And Amex Offers encourages Cardmembers to spend at participating merchants, so
these merchants are much more likely to recommend American Express.You can also read
