PeoPay KIDS is an advanced educational mobile application for children aged 6-13 and their parents. The mobile application introduces children to the complicated world of finance, teaching them about money and showing how to save it. The app provides a wide range of functions for kids, with account balance and history, transfers, top-ups, and a savings management tool.

Dynamic Life»Home dynamically tracks customers’ outstanding FNB home loan amount and automatically adjusts their life coverage to match that amount. If a customer pays off their loan faster or withdraws funds from their bank, the cover amount will decrease or increase accordingly. This innovation automatically customizes a customer’s life insurance to exactly match their unique needs.

“Smart Fast Claim” is a car insurance product, with deep learning technology and powerful big data mining rules in the image recognition field. It can recognize damaged part of the vehicle, assess damage level and the price immediately after the user upload images, which truly achieves risk-free and one-click loss assessment.

Using a home-grown AI model, BMO AI Cashflow Prediction provides customers with an intelligent prediction of upcoming cash shortfalls and offers a solution to get back on track. Customers are presented with a warning about the predicted amount and timing of the shortfall within Mobile Banking, and a recommendation for how to manage the shortfall (i.e. transfer funds, line of credit). The prediction factors in the customer’s holdings and spending across multiple accounts.

DBS Chatbot Guided Conversation is part of DBS’ Digital Servicing Model. Guided Conversation Digibot enables fulfilment on banking requests made by customers within the same channel. It can perform over 60 services in a structured, conversational style, improving the chances of addressing customers’ banking needs compared to a traditional chatbot.

COVID-19 and the subsequent lockdown restrictions put immense pressure on customers and business alike. This solution enables customers to submit their insurance claims remotely and it also proactively initiates claims for customers. This innovation has multiple steps, the first was enhancing the FNB Life platform (digital) processes to provider more customers with greater access to products and features. The second part was creating a proactive claims process, which meant that customers who were unaware they had an insurance policy, could also get paid out when they needed it most.

“Jamie”, Citizens’ Virtual Career Assistant, enables an impactful, personalized, and modern candidate experience to all prospects and delivers efficiencies and new capabilities throughout the recruitment process. Jamie uses intuitive, conversational language, and can understand the natural language of the user. She even uses emojis in her responses! External job seekers have leveraged their chat with Jamie to search for open jobs and kick-off the application process. Jamie has interacted with more than 18,000 candidates answering 60,000 inquiries on benefits, company culture and interview process, plus topical questions on Citizens’ approach to Covid-19 and Diversity, Equity & Inclusion.

With the help of analytics, Ziraat Bank identified the various factors of increased employee dissatisfaction and bottlenecks in communication. Based on the data, they created an innovation designed to strengthen the communication network among employees and to recognize and take precautions in case of any communication problem. The main purpose of the innovation is to establish connections in workplace, build a culture that aligns with people’s demand and increase the level of workplace communication.

This innovation seeks to offer customers flexible and agile mobility through different products available at CaixaBankNow. The Mobility project mainly has an impact on the environment and on the contracting of products through 100% digital channels, which are very necessary at this time.

OPTIMUS is an online web-based platform for online invoicing for payment disbursement, eSigned invoices submission, NDC submission, ID Card issuance request, two-way digital communication for our outsourced agencies, online profile updating, submission of KYC documents and a declaration collection medium from vendors. Online ID Card issuance is an Industry First and is Go Green Initiative.

An intelligent quality management system that helps to provide the highest quality of service to customers. This system was built using advanced technologies and proprietary AI-based modules, which help the bank to gather insights and to make decisions. Processing and storage of all data takes place in the bank’s internal circuit, ensuring a high level of security.

Over the years the United Arab Emirates (UAE) has lost billions due to phishing. Emirates NBD wanted to create awareness and educate people on this “dry” but important topic. Together, as a joint public service initiative, with Dubai Police and the Government of Dubai, the campaign “Secure Your Account” is a story, narrated through an adaptation of the popular pop song – “It wasn’t Me.” It tells the story of a bank client who fell victim to a fraud and lost his money. https://vimeo.com/361328625

Millie, a collaboration between Synchrony and Meredith Corporation, is all about women and money: making it, saving it, spending it, investing it, giving it and talking about it. Channels include a quarterly 48-page print magazine, online content updated weekly, a weekly e-newsletter, social presences and webinars.

Kalignite Hypervisor uses OS-Virtualization technology to decouple the ATM PC-core from the ATM operating system. This means software drivers that are unsupported under new Windows operating system versions will now be supported by the hypervisor software drivers instead. This gives more control to the bank and cost less money to fund the ATM network.

This innovation combines merchant processing and small business card issuing into a single platform, PayVus. PayVus is integrated with a merchant’s credit card processing system to make managing cash flow automatic and easy. This is helping merchants to take control of their business funding, while expanding their business credit limit over time.

Ownr empowers and enables Canadian entrepreneurs by making it easy to start, manage, and grow their business. The Ownr platform simplifies the process of registering a sole proprietorship or incorporating, which can be complicated and difficult to navigate. Registering with Ownr takes 15 minutes or less, and Ownr takes care of the filing. New business owners receive their registration documentation in one business day, along with their Articles of Incorporation and formation documents.

Woodforest is one of the first banks to develop its own Opportunity Zone Fund benefitting low-income communities across its 17-state footprint. This fund counters the common narrative surrounding the Opportunity Zone program, which states it only benefits the wealthy by providing tax benefits. The Woodforest CEI-Boulos Opportunity Fund is an innovative collaboration between Woodforest (investor) and CEI-Boulos Capital Management (fund manager). The fund’s over $20 Million of equity invested across 11 projects leverages an additional $233.7 Million in debt, creating 1,800+ jobs and 1,000 affordable housing units.

SeekCap is the Philippine’s first same-day approval loan marketplace for small and medium enterprises (MSMEs.) Through SeekCap, multiple lenders can onboard their loan products, allowing borrowers to choose what best suits their business needs and apply for loans digitally and seamlessly on a single platform. SeekCap was built to meet the financing needs of micro, small and medium enterprises (MSMEs) and to better serve this unbanked/underserved segment who forms the backbone of the Philippines economy.