Last years awards were a little different due to Covid forcing us to have a virtual ceremony but that did not affect the quality of the entries. The judges had a hard time deciding on the winners below:

Best Innovation in Customer Experience

WINNER: ActiveQuote Ltd in partnership with Cardiff University - Project Rubee

Highly Commended: Legal & General in partnership with Salary Finance - Protect

Best Innovation in Customer Service

WINNER: Fluent Money Group - The MyFluent App - Transforming Customer Service

Highly Commended: MuchBetter - A much better user experience for online purchases and contactless payments

Best Innovation in Financial Inclusion

WINNER: Starling Bank

Highly Commended: Collective Benefits

Highly Commended: London Mutual Credit Union -Family Saver Loan - Supporting Low Income Families in Lockdown

Most Innovative Use of Distribution

WINNER: Liberty Specialty Markets - Liberty Virtual Rooms

Best Innovation to an Existing Product or Service

WINNER: AIG Life UK: Critical Illness Choices

Highly Commended: Oxford Risk

Highly Commended: Phoebus Software Ltd: Phoebus Self-Service

Most Innovative New Product or Service

WINNER: StepChange Debt Charity

Highly Commended: Collective Benefits

Highly Commended: Starling Bank - Connected Card

Most Innovative Workplace Transformation

WINNER: Canoe Intelligence

Highly Commended: Pepper (UK) Ltd - PES People Matter employee wellbeing program

Best Innovation in Mobile and Cybertech

WINNER: Fluent Money Group - The MyFluent App - An Innovation in Mobile

Highly Commended: MuchBetter - MuchBetter creates seamless, secure payments services for iGaming industry

Most Innovative Use of Data and Analytics

WINNER: ActiveQuote Ltd in partnership with Cardiff University - Project Rubee

Highly Commended: Visible Capital: Use of Open Banking Technology to Revolutionise Data Gathering & Analysis in the Wealth Sector

Most Innovative Security Solution

Highly Commended: MuchBetter - A much better user experience for online purchases and contactless payments

The Innovator of the Year

WINNER: Starling Bank

Innovation Partner of the Year

WINNER: Cowry Consulting

Best Innovation in Investments

WINNER: The Big Exchange

Highly Commended: Oxford Risk

Best Innovation in Payments

WINNER: MuchBetter: MuchBetter eliminates fraud and releases 'impossible' contactless products

Highly Commended: First - Digital Assets Group

Highly Commended: SETL Ltd: SETL blockchain completes first live fund transaction with Banque de France

Best Innovation in Insurance

WINNER: AIG Life: Smart Health

Highly Commended: Collective Benefits

Most Innovative Use of Behavioural Insight

WINNER: Oxford Risk

Best Overall Momentum Innovation

WINNER: Collective Benefits

Best Overall Disruption Innovation

WINNER: AIG Life: Critical Illness Choices

The One to Watch

WINNER: Active Quote Ltd and Cardiff University

WINNER: Fluent Money Group

WINNER: Legal and General with Salary Finance