January

Widiba Home

Widiba
2017

Widiba Home- The first branch in virtual reality

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February

Konto Jakże Osobiste

Alior Bank
2017

A unique current account with the ability to match the benefits and functionalities to current customer needs in any channel and any time.

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March

Axess Mobil

Akbank
2017

Axess Mobil is a smart mobile application that utilizes cardholders’ moods and their spending habits to show them the most appropriate campaign options including the application specific and local campaigns while providing them the convenience of mobile payment and card transaction monitoring

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April

Field Control: online application for external service providers (inovaBra startups)

Banco Bradesco
2017

Field Control, an outsourced service managing platform, that expands security and speeds up the response for maintenance events throughout the organization.

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May

imaginCafé

Caixabank Digital Business
2017

imaginCafé is the new proposition from imaginBank for interacting with a young target market.

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June

Text Savings

USAA
2017

This capability is a unique mix of passive savings activity with active financial awareness, which means members do not have to take any action or make any special effort, yet they will still save money and feel they are making progress.

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July

Welfare Hub

Intesa Sanpaolo
2017

Empowering Intesa Sanpaolo SME customers to offer to their employees a personalized and fully integrated set of Welfare services.

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January

Mashreq Chat Banking

Mashreq Bank
2016

The world’s first chat banking platform integrated with Facebook Messenger and powered with artificial intelligence to perform inquiries, financial transactions and cross-sell, thus enhancing customer experience.

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February

Mobile Interactive Assistant

Garanti Bank
2016

MIA is a smart, interactive virtual asistant, that provides customers to complete banking transactions self-service by voice in Mobile Banking Platform and occupies a very special place among similar applications in the world with its complex grammar structure and the ability to provide service for 155 different needs based on natural speech.

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March

Tips in Sberbank Online

Sberbank
2017

Tips in Sberbank Online are a tool based on artificial intelligence that can help users change financial habits for the better, save money, time and effort or just remember something important at a certain moment of time.

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April

Secured Touch

Leumi Card
2017

SecuredTouch’s behavioral biometrics technology replaces second-factor authentication to transparently and continuously determine if transactions are being initiated by a valid user.

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May

JiffyPay

Intesa Sanpaolo
2017

Reinventing the mobile payment paradigm leveraging ultrasound to transform the payments from “push” to “pull” experience: “as easy as using cash”.

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June

HAIZ

Alior Bank
2016

HAIZ is a banking communicator for – generally speaking – the most tech-savvy customers.

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July

imaginBank chatbot

La Caixa
2017

imaginBank is the first financial institution in Spain to launch a chatbot on Facebook. It allows users of the social network to check exclusive offers and discounts for customers interactively and is intended to increase the engagement of existing customers and attract new customers

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December

Merkaat (End-to-end digital experience in Investment Advisory)

Crèdit Andorrà
2017

Merkaat is, by definition, the digital private bank for millennials. This new service allows you to easily contract online, receive expert advice for personalized portfolios and place market orders within minutes.

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January

Get This Car app

Record Bank
2015

With the Get This Car app, consumers can scan a car ad or look for a specific car model, and discover how much a loan would cost for that car at Record Bank.

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February

BRI Satellite (BRISat)

Bank Rakyat Indonesia
2016

“BRISat, Servicing the Nation, Reach the Unreachable”

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March

COOC digit’All

BPCE
2015

The Digit’All COOC is a new-generation teaching approach combining the advantages of “face-to-face” (collaboration, interactivity, etc.) and “distance” learning methods (based on videos, quizzes, opinion polls, and learning exercises in the forums, etc.)

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April

OCBC OneWealth

OCBC Bank
2016

Your one-stop app for achieving your wealth goals.

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May

S#IFT

Standard Bank
2016

A mobile platform that allows every Standard Banker to make the shift from employee to brand ambassador.

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June

Yellow Advice

CheBanca!
2016

A new concept of Robo-Advisor. Hybrid (Human+Digital), Educational, Fully flexible omni-channel, Multiobjective, Accessible. The new digitally empowered wealth management.

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July

Dronn Agent: the virtual advisor

Alior Bank
2015

The Dronn is an artificial intelligence system supporting remote customer service and a revolutionizing tool, which can transform the market in the area of remote customer service.

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December

Soldo Family Wallet

Soldo
2016

The multi user spending account for the entire family

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February

Hello play!

Hello Bank!
2014

Hello play! is a crowd-sponsoring platform that allows users to support musical projects only by their everyday music listening: helloplay.fr, helloplay.it, helloplay.be (crowdsponsoring functionality coming soon).

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March

Idea Hub

Idea Bank
2014

Idea Hub, staffed by trained baristas, is Idea Bank’s new experimental branch made to entice small business owners away from local coffee shops with freshly-brewed beverages, free office work space and bookable conference rooms.

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April

multiEstrella enFamilia Community

La Caixa
2015

A private, family-oriented social network which offers our clients added value and allows us to gain new clients amongst their closest friends and relatives, thanks to the recommendations for participation made by the clients themselves.

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May

Asra3App

Byblos Bank
2014

The most innovative, fastest and efficient car loan process.

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June

CardBox

La Caixa
2014

CardBox changes the way clients manage their card purchases. The tool focuses on card purchases and their peculiarities to offer the right information and the specific actions, for taking quick, relevant decisions.

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July

Widiba (WIse DIalog BAnk): The Co-creation project for a No ordinary bank

Widiba
2014

How to listen a customer say “I love my bank”? Simply listening.

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August

George

Erste Group Bank
2015

Finances are personal, so is George: simple, intelligent and personal banking that you can trust and call by name.

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September

Kaspi Store

Kaspi Bank
2014

Largest retail bank wants to become Amazon of Kazakhstan

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January

WoW – Wallet of Wallets

CheBanca!
2014

The first wallet of wallets, from CheBanca!, the first real Italian Open Bank. With WoW you are all free from queues! It is for everyone.

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December

Emirates NBD Fitness Account

Emirates NBD
2015

Emirates NBD Fitness Account, the first fitness based savings account designed for the Apple Watch.

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January

Visa Familia

Deutsche Bank
2013

A product bundle consisting of a revolving credit card including special services targeted exclusively at families.

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February

Apriconto

UniCredit Group
2013

The first UniCredit’s product that could be bought and managed totally multichannel.

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March

Maybank One Solution

Maybank Berhad
2011

Maybank One Solution is 7-in-1 financial products bundled offering via kiosk banking concept with fast approval and activation in 10 minutes

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April

Talk to Pay

La Banque Postale
2013

Security solution for online payments using voice biometrics for strong user authentication allowing to make user friendly card payment.

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May

“My rules” credit card

Alfa Bank
2014

Credit card which enables to choose personal credit structure (length of grace period, interest and commissions rate) in accordance with one’s preferences with opportunity to order it online.

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June

Allianz Replacement Solution

Allianz France
2013

Enable claims handlers of Allianz France to make a compensation offer for house content, based on Amazon tariffs, and customer to receive immediately a gift code from Amazon to replace their damaged or destroyed goods on Amazon.fr website

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July

Citi Mobile® Snapshot

Citigroup
2014

Citi Mobile® Snapshot gives customers password-free access to their balance and transactional information.

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August

Getin Point

Getin Bank
2014

Getin Point advanced technologies and innovative solutions give users the experience of a visit to a traditional bank through live-video technology.

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September

Fifth Third Bank Homeowner Reemployment

Fifth Third Bank
2013

Homeowner Reemployment at Fifth Third Bank is an industry-first program that helps its customers find jobs and stay in their homes.

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November

Customer Meeting Map

Swedbank
2014

An analytical tool with an intuitive graphical user interface which enables sharing real-time insight on how customers interact with the bank in different channels, and following up on changes.

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December

AIB eMortgage

Allied Irish Bank
2014

The first Online Mortgage end-to-end proposition delivered to the Irish market by AIB Bank

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10 Reasons to be
innovator of the month

  • 1 Automatic selection as a nominee for the 2017 awards
  • 2 An invitation to speak at a conference to present your innovation
  • 3 A full article on efma.com
  • 4 The possibility to share a video presenting the innovation
  • 5 A banner on the Efma’s home page
  • 6 A banner on the innovation portal’s home page
  • 7 A special mention on the Efma’s e-newsletter
  • 8 A dedicated social media campaign
  • 9 A 20% discount on an Efma’s conference
  • 10 A 20% discount on Efma’s Premium Pass valid for 2018

10 reasons to be innovator of the month

  • Automatic selection as a nominee for the 2018 awards
  • An invitation to speak at a conference to present your innovation
  • A full article on efma.com
  • The possibility to share a video presenting the innovation
  • A banner on Efma’s home page
  • A banner on the innovation portal’s home page
  • A special mention in Efma’s monthly member e-newsletter
  • A dedicated social media campaign
  • A 20% discount on an Efma conference
  • A 20% discount on Efma’s Premium Pass valid for 2018