Fintech & Payments Awards
Judging in Progress
Award Categories
Judging for the Fintech & Payments Award 2025 is now underway – and on October 8th, we’ll reveal who takes home the top honours in banking, payments, and fraud & security. Good luck to all our entrants!
Fintech Leadership
This category honours exceptional leadership in the fintech and payments industry; celebrating both the companies breaking new ground and the individuals steering innovation and growth.
- Fintech & Payments Start-up of the Year (Company)
- Fintech Leader of the Year (Individual)
Banking Innovation
This category honours the trailblazers redefining what’s possible in banking; celebrating bold ideas, new business models, and standout innovations that are setting new standards across the industry.
- Banking Innovation of the Year (Platinum)
- Banking-as-a-Service Innovation (Platinum & Gold)
- Open Banking Innovation (Platinum & Gold)
- AI in Banking Innovation (Platinum & Gold)
Fraud & Security Innovation
This category honours the innovators raising the bar in fraud prevention and security; spotlighting the solutions keeping businesses, customers, and transactions safe in an ever-evolving threat landscape.
- AML Innovation (Platinum & Gold)
- KYC Innovation (Platinum & Gold)
- Fraud & Security Innovation of the Year (Platinum)
- AI in Fraud Prevention Innovation (Platinum & Gold)
- Banking Fraud Prevention (Platinum & Gold)
- Identity Verification Innovation (Platinum & Gold)
- eCommerce Fraud Prevention (Platinum & Gold)
- Network Tokenisation Solution (Platinum & Gold)
Payment Innovation
This category honours the standout players reshaping the payments ecosystem; from bold platform innovation to seamless user experiences that are redefining how money moves.
- Best B2B Payment Platform (Platinum & Gold)
- Payment Innovation of the Year (Platinum)
- Best Cross-border Payments Platform (Platinum & Gold)
- Best A2A Payments Platform (Platinum & Gold)
- Best Modern Card Issuing Platform (Platinum & Gold)
- Omnichannel Payments Platform of the Year (Platinum)
- Best Mobile Money Offering (Platinum & Gold)
- Best Digital Wallet Platform (Platinum & Gold)
- Soft POS Innovation (Platinum & Gold)
- Sustainability in Payment Cards (Platinum & Gold)
- Virtual Card Innovation (Platinum & Gold)
- Digital Currency Innovation (Platinum & Gold)
2024 Winners
Evaluation Process
Entries are initially assessed by a Juniper Research analyst panel, which then draws up a shortlist of potential winners based on a number of criteria, including:
- Product Innovation
- Features & Benefits
- Product Partnerships
- Certification & Compliance
- Future Business Prospects
These shortlists are then assessed and scored according to a rigorous set of criteria and verified by our team of experts. At the end of this process, final winners are agreed upon and confirmed by our Juniper Research judging panel.
Previous winners include:
Awards History
Best Fintech Innovation
Platinum Winner: Circle, Circle Open Standard
Gold Winner: Circle, Circle Pay App
Best System Solution
Platinum Winner: EdgeVerve Systems, Finacle Omnichannel Hub
Gold Winner: Bankable, Bankable Platform
Best Consumer Offering
Platinum Winner: Fidor
Gold Winner: N26
Best Platform/Technology
Platinum Winner: G+D, Convego
Gold Winner: Vodafone, Vodafone Wallet
Best Contactless Technology/Solution
Platinum Winner: G+D, Convego Pearl
Gold Winner: Gemalto, Gemalto DCV
Best Consumer Offering
Platinum Winner: Apple, Apple Pay
Gold Winner: Google, Android Wallet
Best Solution, Mobile
Platinum Winner: Econet Wireless Zimbabwe & Mahindra, Comviva EcoCash Diaspora
Gold Winner: TransferWise
Best Solution
Platinum Winner: Bytemark, Bytemark Mobile Apps & Merchant Back Office
Gold Winner: Gemalto, Celego
Best Consumer Offering
Platinum Winner: Gemalto, Celego
Gold Winner: moovel transit, Rider App
Best Fintech Innovation
Platinum Winner: Adyen
Gold Winner: Kreditech
Best AI & Automation Solution/Platform
Platinum Winner: Kasisto, KAI Banking
Gold Winner: Zest Finance
Best Contactless Technology/Solution
Platinum Winner: Finacle, EdgeVerve
Gold Winner: G+D
Best Consumer Offering
Platinum Winner: Patym
Gold Winner: Mahindra Comviva
Best Contactless Technology/Solution
Platinum Winner: Finacle, EdgeVerve
Gold Winner: Microsoft
Best System Solution
Platinum Winner: Temenos, Temenos Core Banking
Gold Winner: Finacle, EdgeVerve
Best Consumer Offering
Platinum Winner: DBS, digiBank
Gold Winner: Monzo
Best Solution
Platinum Winner: Mastercard, BICS, and eServGlobal, HomeSend
Gold Winner: Currencycloud
Best Ticketing Solution
Platinum Winner: Rambus, HCE Ticketing
Gold Winner: Wizway Solutions
Juniper Purple Award for Fintech Excellence
Platinum Winner: Adyen
Fintech Mover & Shaker of the Year
Platinum Winner: Jessi Baker, CEO, Provenance
Socially Responsible Fintech Company of the Year
Platinum Winner: Stripe
Banking Innovation of the Year (Judges’ Choice)
Platinum Winner: Yobota
Best Banking Platform
Platinum Winner: Fidor, Fidor Market
Gold Winner: Yobota
Best Digital Bank Award
Platinum Winner: Digibank
Gold Winner: Revolut
Fintech Innovation of the Year (Judges’ Choice)
Platinum Winner: Octo Telematics, Next Generation Platform
Best Insurtech Platform
Platinum Winner: Guidewire, InsuranceNow
Gold Winner: Octo Telematics, Next Generation Platform
Best RegTech Platform
Platinum Winner: MetricStream, M7
Gold Winner: ComplyAdvantage
Best AI Platform
Platinum Winner: Onfido
Gold Winner: Multiply
Best Chatbots Platform
Platinum Winner: Dorsum, Botboarding
Gold Winner: Clinc, AI Training Platform
Best Lending Platform
Platinum Winner: Kabbage, Kabbage Platform
Gold Winner: Kreditech, Monedo Now
Blockchain Innovation of the Year (Judges’ Choice)
Platinum Winner: BTL, Interbit Platform
Best Blockchain Platform
Platinum Winner: IBM, Blockchain Platform
Gold Winner: Finacle, Finacle Trade Connect
Best Blockchain Deployment in Logistics
Platinum Winner: Everledger, Everledger Platform
Gold Winner: Provenance, Provenance Platform
Best Blockchain Deployment in Healthcare
Platinum Winner: Guardtime, Personal Health Record Platform, myPCR
Gold Winner: Pokitdok, Dokchain
Best Blockchain Deployment in Land Registry
Platinum Winner: Chromaway, Postchain
Gold Winner: Propy
Best Blockchain Deployment in Banking & Payments
Platinum Winner: Finacle, Finacle Payments Connect
Gold Winner: IBM, Global Payment Platform
Fraud & Security Innovation of the Year (Judges’ Choice)
Platinum Winner: Accertify, Dynamic Risk Vectors
Best Payment Authentication Platform/Solution
Platinum Winner: IDEMIA, Cloudcard+
Gold Winner: Accertify, Dynamic Risk Vectors
Best Cybersecurity Platform
Platinum Winner: Webroot
Gold Winner: FireEye
Payment Innovation of the Year (Judges’ Choice)
Platinum Winner: Visa, B2B Connect
Best Digital Wallet
Platinum Winner: Nordea, Nordea Wallet
Gold Winner: Google, Google Pay
Best Mobile Money Offering
Platinum Winner: Mahindra Comviva & Cassava Smartech, EcoCash (mobiquity Money)
Gold Winner: Orange, Orange Money
Best Consumer Payment Innovation
Platinum Winner: Bank of America Merrill Lynch, Global Digital Disbursements
Gold Winner: Klarna
Best B2B Payment Platform
Platinum Winner: Saxo, Saxo Payments Banking Circle Virtual IBAN
Gold Winner: Finacle, Finacle Payments Connect
Retail Innovation of the Year (Judges’ Choice)
Platinum Winner: Amazon, Amazon Go
Best Retail Payment Innovation
Platinum Winner: Amazon, Amazon Go
Gold Winner: Visa, On Card Biometrics
Best In-Store Technologies
Platinum Winner: Amazon, Amazon Go
Gold Winner: Kroger, Kroger Edge
Juniper Purple Award for Fintech Excellence
Platinum Winner: Fiserv
Fintech Mover & Shaker of the Year
Platinum Winner: Husayn Kassai, CEO & Co-Founder, Onfido
Socially Responsible Fintech Company of the Year
Platinum Winner: Juvo
Best Lending Platform
Platinum Winner: Juvo
Gold Winner: Lidya
Best AI Platform
Platinum Winner: Stratifyd
Gold Winner: Kount
Best Insurtech Platform
Platinum Winner: Trov
Gold Winner: Wefox
Best Regtech Platform
Platinum Winner: Shield
Gold Winner: PerformLine
Banking Innovation of the Year
Platinum Winner: Klarna, Open Banking Platform
Best Banking Platform
Platinum Winner: Infosys Finacle, Digital Banking Solution Suite
Gold Winner: NDGIT, Open Banking Platform
Best Blockchain in Banking Platform/Deployment
Platinum Winner: IBM, Blockchain World Wire
Gold Winner: Adjoint Treasury, Intercompany Loans
Best Digital Bank
Platinum Winner: Ally Bank
Gold Winner: N26
Challenger Bank of the Year
Platinum Winner: Starling Bank
Gold Winner: Revolut
Best B2B Payment Platform
Platinum Winner: Swipe2B
Gold Winner: Banking Circle
Best Consumer Card Offering
Platinum Winner: Chase, Sapphire Reserve
Gold Winner: Apple, Apple Card
Best Digital Wallet
Platinum Winner: SKRILL
Gold Winner: STICPAY
Best Mobile Money Offering
Platinum Winner: mobiquity Money, AsiaHawala
Gold Winner: PayMaya, Smart Padala
Best Virtual Card
Platinum Winner: PayMaya, Virtual Card
Gold Winner: American Express, American Express Go
Payment Innovation of the Year
Platinum Winner: Marqeta
Best Cybersecurity Platform
Platinum Winner: Kount
Gold Winner: Nethone, Nethone Guard
Best Payment Authentication Platform/Solution
Platinum Winner: Gemalto, Digital Payment Authentication
Gold Winner: NuData Security, a Mastercard company, NuDetect
Fraud & Security Innovation of the Year
Platinum Winner: Signifyd
Best In-Store Technology
Platinum Winner: Mastercard, Loyalty Connect
Gold Winner: SIMulator
Best Retail AI Platform
Platinum Winner: Syte
Gold Winner: Vue.ai
Retail Innovation of the Year
Platinum Winner: Mastercard, Loyalty Connect
Juniper Research Award for Fintech Excellence
Platinum Winner: TransferWise
Fintech Mover & Shaker of the Year
Platinum Winner: Anne Boden, CEO & Founder, Starling Bank
Banking Innovation of the Year
Platinum Winner: Pollinate International
Banking Platform Innovation
Platinum Winner: Infosys Finacle, Digital Banking Solution Suite
Gold Winner: Banking Circle
Blockchain in Banking Innovation
Platinum Winner: Infosys Finacle, Trade Connect
Gold Winner: Verady, Ledgible
Digital Bank of the Year
Platinum Winner: WeLab, WeLab Bank
Challenger Bank of the Year
Platinum Winner: Emirates NBD, Liv
AI Platform
Platinum Winner: Aire
Gold Winner: Kount
Insurtech Platform
Platinum Winner: Collective Benefits
Gold Winner: Tractable
Lending Platform
Platinum Winner: Banking Circle, Banking Circle Lending
Gold Winner: AREX, Markets
Regtech Platform
Platinum Winner: Cappitech
Gold Winner: Konsentus, Verify
AI in Cybersecurity Innovation
Platinum Winner: Microsoft, Microsoft Dynamics 365 Fraud Protection
Gold Winner: Kount
Fraud & Security Innovation of the Year
Platinum Winner: IDEMIA , Web Capture SDK with Active/Passive Liveness Detection
Fraud Detection and Prevention Innovation
Platinum Winner: NuData Security, a Mastercard company, NuDetect
Gold Winner: Boku, Boku Authenticate
Best B2B Payment Platform
Platinum Winner: 2Checkout, Avangate Monetization Platform
Gold Winner: Tribal Credit
Best Digital Wallet
Platinum Winner: G+D, Convego Wallet
Gold Winner: Skrill
Best Mobile Money Offering
Platinum Winner: Boku
Gold Winner: Daviplata
Best QR Code Payment Offering
Platinum Winner: PayPal
Gold Winner: Sberbank, QR Pay
Best Virtual Card
Platinum Winner: Marqeta
Gold Winner: Vivid Money
IoT Payment Innovation
Platinum Winner: G+D, Convego Cloudpay eSE
Gold Winner: Garmin, Garmin Pay
Payment Innovation of the Year
Platinum Winner: Konsentus, Konsentus Verify
Best In-Store Technology
Platinum Winner: Sleek
Gold Winner: Sberbank, Take&Go
Best Digital Loyalty Solution
Platinum Winner: Izicap
Gold Winner: Mobilize Systems, Mobilize
Retail Innovation of the Year
Platinum Winner: Bolt, Bolt Checkout Experience Platform
Juniper Research Award for Fintech Excellence
Platinum Winner: Finicity
Fintech Mover & Shaker of the Year
Platinum Winner: Sophie Guibaud, OpenPayd
Challenger Bank of the Year
Platinum Winner: KASIKORN LINE, LINE BK
Open Banking Innovation
Platinum Winner: Finicity, Open Banking Platform
Gold Winner: Tink
Banking Platform Innovation
Platinum Winner: Goldman Sachs, Transaction Banking (TxB)
Gold Winner: Finicity, Open Banking Platform
Digital Bank of the Year
Platinum Winner: Paytm Payments Bank Limited, Digital Payments & Banking
Banking Innovation of the Year
Platinum Winner: Apiture
Financing Platform
Platinum Winner: Trade Information Network
Gold Winner: Huawei, Overdraft Solution
Regtech Platform
Platinum Winner: Konsentus, Verify
Gold Winner: Austreme, Transaction Laundering Detection
AI Platform
Platinum Winner: Fraud.net
Gold Winner: Experian, Ascend Intelligence Services
AI in Fraud Prevention Innovation
Platinum Winner: Kount, Identity Trust Platform
Gold Winner: LexisNexis, ThreatMetrix
Fraud Detection and Prevention Platform
Platinum Winner: LexisNexis, ThreatMetrix
Gold Winner: Kount, Identity Trust Platform
Fraud & Security Innovation of the Year
Platinum Winner: Experian, Sure Profile
In-vehicle Payment Innovation
Platinum Winner: Parkopedia
Gold Winner: ACI Omni-Commerce, Commercial Fueling via Mobile App
Wearable Payment Innovation
Platinum Winner: G+D, Convego Cloudpay eSE
Gold Winner: Apple, Apple Pay
Best QR Code Payment Offering
Platinum Winner: G+D, Convego Pearl for Mobile
Gold Winner: PayMaya, PayMaya QR
Best Mobile Money Offering
Platinum Winner: Huawei, FinTech Platform
Gold Winner: TPAY, TPAY Mobile
Best Virtual Card
Platinum Winner: Paytm Payments Bank, Virtual Debit Cards
Gold Winner: Vivid Money
Best Digital Wallet
Platinum Winner: Paytm Payments Bank, Paytm Wallet
Gold Winner: DBS, DBS PayLah!
Best B2B Payment Platform
Platinum Winner: Nium
Gold Winner: Modulr
Recurring Payment Platform Innovation
Platinum Winner: Chargebee
Gold Winner: Zuora
Payment Innovation of the Year
Platinum Winner: ACI Worldwide, ACI Secure eCommerce for Merchants
Best Checkout Experience Solution
Platinum Winner: Mastercard, Biometric Checkout Program
Gold Winner: ACI Worldwide, ACI Omni-Commerce
Retail Innovation of the Year
Platinum Winner: Blackhawk Network
Juniper Research Award for Fintech Excellence
Platinum Winner: Marqeta
Fintech Mover & Shaker of the Year
Platinum Winner: Eugene Danilkis, Mambu
Gold Winner: N/A
Banking-as-a-Service Innovation
Platinum Winner: Synapse, Synapse BaaS Platform
Gold Winner: Peach Finance
Open Banking Innovation
Platinum Winner: Token.io
Gold Winner: Vyne
Banking Platform Innovation
Platinum Winner: Mambu
Gold Winner: Pollinate
Digital Bank of the Year
Platinum Winner: Maya Bank
Gold Winner: N/A
Banking Innovation of the Year
Platinum Winner: Apiture, Apiture Digital Banking Platform
Gold Winner: N/A
Financing Platform
Platinum Winner: Weavr
Gold Winner: Now, NowAccount
Regtech Platform
Platinum Winner: Konsentus
Gold Winner: Proxymity, Proxymity Shareholder ID
AI Platform
Platinum Winner: Provenir, Provenir AI-Powered Decisioning Platform
Gold Winner: credolab, credoSDK
AI in Fraud Prevention Innovation
Platinum Winner: Fraud.net
Gold Winner: Fiserv, EnFact Advanced Scoring
Best Biometrics Use in Payments
Platinum Winner: Thales, Thales Biometric Payment Card
Gold Winner: authID
Fraud Detection and Prevention Platform
Platinum Winner: Vesta Fraud Solutions
Gold Winner: Nethone Mobile
Fraud & Security Innovation of the Year
Platinum Winner: Riskified
Gold Winner: N/A
Payment Tokenisation Solution
Platinum Winner: G+D & Netcetera, eCOM Tokenizer
Gold Winner: IDEMIA, IDEMIA Token Platform
Best Cross-border Payments Service
Platinum Winner: Goldman Sachs, Global Payments
Gold Winner: Monneo
Best Digital Card Issuance Platform
Platinum Winner: Marqeta
Gold Winner: Thales, Thales D1 Platform
Best QR Code Payment Offering
Platinum Winner: PayNearMe
Gold Winner: Pebl
Best Mobile Money Offering
Platinum Winner: Comviva & Airtel, Airtel Money Pay
Gold Winner: Maya Bank, Maya Business
Best Digital Wallet
Platinum Winner: Netcetera, ToPay Mobile Wallet
Gold Winner: Gcash
Best B2B Payment Platform
Platinum Winner: Billie, Billie Boost
Gold Winner: Weavr
Payments for Good
Platinum Winner: IDEMIA, GREENPAY
Gold Winner: N/A
Recurring Payment Platform Innovation
Platinum Winner: Nuapay
Gold Winner: Verifone, 2Checkout Monetization Platform
Payment Innovation of the Year
Platinum Winner: PayQuicker
Gold Winner: N/A
Best Checkout Experience Solution
Platinum Winner: Shopify, Shop Pay
Gold Winner: Netcetera, Click to Pay
Retail Innovation of the Year
Platinum Winner: ACI Worldwide, Smart Engage
Gold Winner: N/A
Sustainability in Fintech Innovation of the Year
Platinum Winner: Ripple Palau Stablecoin
Fintech Mover & Shaker of the Year
Platinum Winner: Simon Khalaf, CEO, Marqeta
Banking-as-a-Service Innovation
Platinum Winner: Monavate x Star
Gold Winner: Peach Finance
Banking Innovation of the Year
Platinum Winner: FICO Platform
Core Banking Platform Innovation
Platinum Winner: Mambu
Gold Winner: Temenos
Digital Identity Innovation
Platinum Winner: Mastercard Identity
Gold Winner: Digital Gateways
Open Banking Innovation
Platinum Winner: Token.io
Gold Winner: Worldline Credit Insight
Embedded Finance Innovation
Platinum Winner: Marqeta
Gold Winner: Apiture
Financing Platform
Platinum Winner: Credit Sesame
Gold Winner: TurnKey Lender
Regtech Platform
Platinum Winner: Napier
Gold Winner: Tookitaki Anti-Money Laundering Suite
AI in Fraud Prevention Innovation
Platinum Winner: IDVerse
Gold Winner: Experian Ascend Fraud Sandbox
Fraud & Security Innovation of the Year
Platinum Winner: LexisNexis BehavioSec
Fraud Detection and Prevention Platform
Platinum Winner: Vesta Payment Guarantee
Gold Winner: Fraud.net
Payment Tokenisation Solution
Platinum Winner: Giesecke+Devrient & Netcetera eCOM Tokenizer
Gold Winner: IDEMIA Token Platform
Best B2B Payment Platform
Platinum Winner: Paystand
Gold Winner: Spendesk
Best Cross-border Payments Platform
Platinum Winner: TerraPay
Gold Winner: Nium
Best Digital Wallet Platform
Platinum Winner: Ericsson Wallet Platform
Gold Winner: mobiquity Pay
Best Mobile Money Offering
Platinum Winner: Telepin
Gold Winner: telebirr from Huawei & Ethio Telecom
CBDC Innovation
Platinum Winner: Ripple CBDC Platform
Gold Winner: Giesecke+Devrient Filia CBDC Solution
Instant Payment Innovation
Platinum Winner: ACI Instant Pay
Gold Winner: ConnexPay
Modern Card Issuing Platform
Platinum Winner: Paymentology
Gold Winner: Thales
Omnichannel Payments Platform of the Year
Platinum Winner: Lightspeed Payments
Payment Innovation of the Year
Platinum Winner: ACI Payments Orchestration Platform
POS Innovation
Platinum Winner: Zeal Plugin from Zeal
Gold Winner: Worldline Smart POS
Recurring Payment Platform Innovation
Platinum Winner: Recurly
Gold Winner: 2Checkout Monetization Platform by Verifone
Sustainability in Payment Cards
Platinum Winner: Thales
Gold Winner: Giesecke+Devrient Convego Beyond
