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Congratulations to the finalists of the 2017 BAI Global Innovation Awards for Channel Innovation.

These finalists have made marked changes or improvements within the distribution network to either existing channels (such as branch, ATM, mobile, etc.) or have introduced a new channel or distribution strategy that has benefited customers or the organization. Finalists listed in alphabetical order include:

Alior Bank S.A.

HAIZ – Banking communicator for Millennials

HAIZ is a communicator for Millennials backed by financial services. During a single virtual conversation, users can check their account balance and make P2P money transfers or pop-up phones by simply typing the amount in the chat window. Every action can be completed with maximum convenience. The application is equipped with a Host Card Emulation (HCE) payments module, which allows users to carry out each transaction with only the smartphone inside their pocket. There is also a full scope of services offered by the bank’s partners on preferential conditions, as well as an AI chatbot that answers client inquiries submitted within the app.


360º customer experience on social networks

imaginBank was born as a fully mobile bank specifically to reach young people. To establish a solid link with them, it has developed a 360-degree strategy on social networks. It’s a channel that fosters a close relationship between the customer and the bank because it empowers customers to interact with the bank, make payments to their friends and use cutting-edge AI technology without having to leave the social networks they use. CaixaBank tailors its message to each channel and launched co-creation processes to involve followers so they can contribute their vision of the brand and make it grow.

Emirates NBD Bank

Emirates NBD Mobile Banking

Emirates NBD understands the value customers place on convenience, speed and security when it comes to banking. It was this insight that shaped its retail banking strategy, inspiring Emirates to prioritize significant enhancements to the Mobile Banking platform by offering customers innovative products and services on the mobile channel. In 2017, there are more than 100 transactions available on the Mobile Banking channel with over 30% of bank customers actively using the Mobile Banking App. As a result of consistently launching innovative features like mePay, Shake ‘n’ Save, fitness account and fingerprint technology, customer experience and functionality have been dramatically expanded within the mobile banking app. Additionally, Emirates NBD became the first bank in the world to launch Visa Location Services on its mobile app, thereby providing increased security and enhanced customer experience.

HDFC Bank Limited

HDFC Bank OnChat – Social Commerce on Facebook Messenger

HDFC Bank OnChat is a first-of-its kind service provided by a bank on Facebook Messenger. It is built on an intuitive Natural Language Processing (NLP)-based Artificial Intelligence platform which understands the user’s intent based on free text input. A user just needs to chat with HDFC Bank OnChat to conduct any transaction. Customers can also complete mobile recharges, pay utility bills, book cabs, buses and even events – all within OnChat.