shortlist - Card and Payments Awards

S H O R T L I S T

Today, we’ll look after 63 million payments. Every one of them has a name. Jose’s Saturday-morning latte. Bob’s new fishing rod. The Sandhu family’s holiday. Virginia’s cheese and ham toastie. Behind every payment is a real person, trusting us with their money. And we never forget it.

Get to know us. +44 1904 562 000 [email protected] www.tsys.com

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© 2017 Total System Services, Inc.® All rights reserved worldwide. TSYS® is a federally registered service mark of Total System Services, Inc.

| The Card & Payments Awards 2018 – Shortlist Magazine

Welcome & Thank You Welcome to the thirteenth edition of the shortlist for The Card and Payments Awards.

2016 presented so many shocks and changes to the established way of doing things, that 2017 has seemed positively quiet by comparison. Still lots of headlines but it feels all a little more business as usual in the past 12 months, though I think we are getting accustomed to things that perhaps should still be shocking us. The Card and Payments industry however, doesn’t give us any time to get used to very much at all, so continuous is the state of evolution, or is it a revolution? Whichever it is, customers are at the centre of everything and customers are benefiting more and more, day by day. We comment every year on how amazing it is that the card and payments industry continues to innovate unabated, but no one should be surprised because innovation and improvement are BAU in one of the most important industries in this economy. Furthermore, for the industry to collaborate, as it does each year through The Card and Payments Awards, is truly inspiring. Congratulations to everyone involved. Huge thanks go to our independent judging panel, led by nonvoting Chair, Mr Roger Alexander, who devote considerable time and effort to ensure that the entries are judged rigorously and with integrity.

We look forward to seeing you on 1 February 2018

The Card & Payments Awards Gala Evening at the Grosvenor House Hotel, Park Lane, London will take place on Thursday 1st February 2018. We are really excited about our host and entertainment this year who we believe are some of the finest young talent in the UK and Ireland currently. The Card and Payments Awards is immensely proud that each year we raise a great deal of money for our nominated charity. Working with Ingenico, our Silver Sponsor and Payments Partner, this year we are supporting The NSPCC. As usual the money raised through the raffle on the evening will be donated to charity. Early indications are that there is an increased demand for tables this year so if you want to be assured of the best position in the room book soon!

All my very best

Michael Harty Managing Director, The Card and Payments Awards

Let’s give children a brighter future We’re proud to be the official charity partner of The Card and Payment Awards 2018. Find out how your company can support our Christmas campaign for the next five years. Together we can light up children’s lives – at Christmas and all year round. Email: [email protected]

TAR BE Ak oSut for

Loo pin ttering es our gli r s in sto badge you. near

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©NSPCC 2017. Registered charity England and Wales 216401. Scotland SC037717. J20171259. Registered with the Fundraising Regulator.

Contents & Judging Panel

TSYS Featured Article

06

Best Achievement in Payments Processing

08

Best Achievement in Retail Payments

10

Best Design of the Year

11

Best Payments Industry Newcomer

12

Best Benefits or Loyalty Programme of the Year

14

Best Technology Initiative of the Year

16

Best Industry Innovation of the Year

18

Best Business Card Programme

20

Best Alternative or Digital Payments Programme

21

Best Initiative in Mobile Payments

22

Best Credit Card Product of the Year

24

Best Achievement in TCF

26

Best Prepaid Product of the Year

27

Best Marketing Campaign of the Year

28

Best Debit Card Programme of the Year

30

Best Security or Anti-Fraud Development

32

Best Achievement in Customer Service

34

Best CSR Programme of the Year

35

Table Packages

36

Judging Panel

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Thanks to all our sponsors

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PRIME SPONSOR

Getting Buy-In From the Top for Your Data Strategy The (underestimated) importance of executive sponsorship in data and analytics Author is Juan F. Gorricho, group executive, data & analytics, global product innovation at TSYS

Let’s face it — people love to talk about the cool side and all the (apparent) success stories about data and analytics. But rarely are there hard and real conversations about what it takes to be successful in this space. Getting executives on board

Earlier this year, I discussed the three components necessary in a company’s data and analytics journey. While all are equally important, I’ve noticed success in data and analytics heavily depends on the company culture and executive leadership. The good news is that these elements are largely within the sphere of influence and control of the executive team. The not-so-good news is that executive sponsorship is often taken for granted, possibly because of all the noise around data and analytics. But it makes a significant difference in enabling successful data and analytics initiatives. Data leaders need to proactively and relentlessly work to ensure that sponsorship and buy-in is really there, in support of data and analytics as a strategic initiative. Put simply, it’s one thing to talk about data and analytics; it’s another to actually invest the right resources in putting together solutions that create business value. To many people, this is an obvious statement — after all, what strategic initiative doesn’t require executive sponsorship to be successful? However, data and analytics have a few nuances that don’t make it as obvious.

Put simply, it’s one thing to talk about data and analytics; it’s another to actually invest the right resources in putting together solutions that create business value.

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4 crucial areas of focus for executives 01

Prioritize strategic alignment.

02

Lead by example.

03

Educate. Educate. Educate.

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Get ahead of c-suite dynamics.

First, data and analytics, in many cases, are perceived as technical initiatives as opposed to business ones. This perception immediately puts them at the same level as initiatives driven by IT and owned by the chief information officer. However, if business teams don’t own and embrace data and analytics, the odds of success will be much lower. The only way through which data and analytics create long-term, sustainable value is by having business teams implement and use them. Without that, data and analytics end up being either a bunch of actionless fun facts or one-hit wonders that are not sustainable or scalable. Second, eventually companies will need to make data and analytics core competencies. The only way this will happen is if there is a cultural shift, making the whole company data-driven at all levels. And in order for such a shift to happen, executives in the organization must lead the way.

Enablers of executive sponsorship

The ultimate goal, of course, should be for all c-level executives and the board of directors to be fully on board with the data and analytics journey. This is, many times, easier said than done, but cannot be taken for granted. After all, this journey requires change and all forms of change have the potential to generate resistance. Furthermore, this requires, as mentioned above, a cultural shift. And, if anything, those are the harder shifts for companies to make.

Executive leaders should understand what it means to be a data and analytics company, beyond simply using the words to please the market.

But there is a way to get started. Below are four crucial areas of focus for executives.

1. Prioritize strategic alignment. There are two dimensions to strategic alignment. In his fantastic book, “Infonomics,” Doug Laney, research vice president and analyst with Gartner, highlights the difference strategic alignment makes in successful enterprise information management programs. The first part, as Laney points out, comes down to ensuring business and IT leaders are on the same page in terms of strategies, priorities and goals. The other dimension of strategic alignment, he says, focuses on ensuring that there is a clear and explicit connection between corporate goals and objectives set by the CEO and the role enterprise information management plays in achieving those goals.

2. Lead by example. There are plenty of opportunities to change the way executives manage business processes, moving into data-driven management and decision making. For example, TSYS’ CIO Patricia Watson has driven the use of actual financial, labor utilization and system performance data to prioritize new investments. This is low-hanging fruit that will ensure teams under c-level executives and other division leaders align themselves.

3. Educate. Educate. Educate. The CEO and the data leader (perhaps the chief data officer, if one exists), should make a conscious effort to educate their peers in what it means to be a data company. This understanding must expand beyond using buzzwords. It entails actually ensuring business leaders understand that data and analytics will only be valuable if they own creating and adopting the solutions. This means that they need to clearly partner with data and analytics organizations to ensure the right solutions are being delivered at the right time.

4. Get ahead of c-suite dynamics. This Harvard Business Review article points out that when companies embark on data and analytics journeys, c-suite dynamics change. These new dynamics need to be actively managed by the CEO, in partnership with the data and analytics leader, to ensure resistance to change is minimized. It’s essential that the CEO and CDO are proactive about this, clearly articulating the value of being data driven and of embracing data and analytics as a core competency.

Where does this leave us?

The number and size of opportunities in data and analytics will only continue to grow, particularly as digitalization increases the speed and volume at which data is created. Executive leaders should understand what it means to be a data and analytics company, beyond simply using the words to please the market. It is a responsibility that cannot be delegated, as this type of cultural change will only happen if executive leaders are key stakeholders in this journey.

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Best Achievement in Payments Processing

3C Payment

3C POS Payment Solution 3C POS is an innovative payment software terminal solution from 3C Payment designed for integrated Retail & Hospitality chains. The product is ideal for quick service industries ensuring speed of transaction at the point of sale, resilience in the event of a network failure thanks to configurable terminal settings and with its P2PE validation a reduction in merchant PCI scope.

AIB Merchant Services

Clover Cashless by AIB Merchant Services and Loylap AIB Merchant Services partnered with Dublin Fintech Start-up Loylap to create a digital cashless solution that combines payments at Clover POS devices with tokenised in-app/ online payments via AIBMS’s Authipay payment gateway, while providing state of the art ePOS functionality, integrated loyalty, and a full user portal with history, spend control and digital e-receipts.

Bottomline Technologies

Enabling access to non-card payment rails for new digital players with Bottomline Technologies Universal Aggregator® The cloud-based Universal Aggregator supports new banks, non-banks and PSPs entering the payments market. The plug-in solution provides secure access to multiple payment rails, encouraging innovation and industry competition by offering SWIFT, Bacs, Direct Debit, Faster Payments (FPS), CHAPS, Ebics, Nacha, Sic4, PayM, Blockchain, and more from a single solution.

Global Processing Services

GPS brings customisation and flexibility to fintechs via GPS Apex, its single global processing platform GPS, The PayTech Pioneer™, is the payments processor enabling high-profile fintech innovations. GPS enables clients to break down legacy barriers enabling ground-breaking innovation. Integrated with 35 issuing banks globally, in 30 countries using 150 currencies, GPS enables its 100 clients to deliver exciting new value propositions for end users.

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Merchant Services

NewDay with Amazon and First Data

Amazon Platinum Mastercard integrated wallet and instant spend The Amazon Platinum MasterCard is a loyalty credit card that rewards customers for spending at Amazon and elsewhere. Uniquely, the card is automatically loaded into successful applicants’ Amazon wallet along with a welcome gift card, and with “Instant Spend” customers can use their card within minutes of applying.

Paythru

A friendly, fair and cost effective way to collect money owed Paythru is a provider of innovative digital payment solutions. Paythru’s collection solution uses personalised URL’s within SMS campaigns allowing payments to be made instantly via secure mobile payment pages.

Worldpay

Optomany and Worldpay: Helping UK merchants drive revenue from Chinese visitors Worldpay and Optomany partnered to enable UnionPay processing in the UK. Now there are 115,000 terminals in use by businesses which are allowing Chinese visitors to spend their money using their Union Pay card, the only one they can use in the UK. This is also driving huge growth opportunities for UK businesses.

Worldpay

Worldpay and American Golf: Omni-channel payments in 116 stores in one month Worldpay partnered with American Golf to upgrade and improve its payment technology, rolling out a stable, speedy and secure omni-channel payment solution in just one month in 116 stores. Worldpay technology is now streamlining payments at the till, improving security and reducing the PCI compliance burden with transactions ten seconds quicker to process than before.

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Best Achievement in Retail Payments

Bleep (UK) PLC

Innovative, Integrated EPOS and Payments Solutions for Retail Environments Bleep UK PLC is an innovative UK EPOS Technology and Payments provider that designs, manufactures and supplies EPOS and payments systems. In 2017, our coveted event solution helped greatly increase payment levels at the UEFA Champions League Final, the World Athletics Championships, Wimbledon, The Open, Tour de France and Glastonbury.

Optomany

Omnichannel Innovator Optomany Helps West Ham United Win Big with Soaring Retail Sales Optomany’s innovative omnichannel platform and experienced team, have helped increase the retail fortunes of West Ham United since 2016. Optomany delivered simplified security and PCI compliance, enhanced reporting and customer insights. Over £8m has passed through the system since the project began in 2016 with a 42% increase in Black Friday orders.

PCI Pal

AllSaints: a secure and seamless customer experience Since implementing PCI Pal’s secure payment solution, AllSaints have seen a twothird reduction in how long it takes to process phone sales, meaning more calls can be handled. It also means that cardholder data and related personal details are secure as the data does not enter AllSaints’ contact centre environment.

Tesco Bank Tesco Pay+

Tesco Pay+ is a fast, simple and secure way for customers to pay for their shopping and collect Clubcard points all with one simple scan of their Apple or Android device. It is the first digital wallet of its kind, placing Tesco at the forefront of innovation in digital payments.

Valitor

AltaPay & Sports Direct show clumsy payments the red card, allowing frictionless commerce for retailers across Europe AltaPay - a Valitor company - and Sports Direct overhauled the retailer’s card-present payments system, delivering a quick to market, frictionless, Europe-wide solution giving the company the ability to take more payment methods and have more control over its costs whilst delivering exceptional service for customers as it expands.

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CATEGORY SPONSOR

Best Design of the Year

American Express

Amex Cardshop - Customer Acquisition Experience The new American Express Card Shop is a user-centric, responsive website that helps prospective customers find the right credit card. Built off years of customer insights and test data, the site is modern, intuitive, fast-loading, and delivering outstanding results.

Debenhams

Debenhams Beauty: Luxury Clinique Gift Card Giftset A Limited Edition Clinique Gift set, available only at Debenhams is the Ultimate beauty gift. A smart shopping solution - It’s fast, easy and always the perfect fit! Included in this beautiful gift box a 3-Step skin care regime to create healthiest version of your skin.

Royal Bank of Scotland

Holt’s Military Banking Visa Debit Card When you’re the oldest UK armed forces bank, how do you encapsulate 200 years of service, help serving and veteran personnel with disabilities and prove a concept for other banks to follow? With a unique card design that sums it all up.

Triodos Bank UK

Triodos Bank Current Account: eco-friendly chip & PIN debit card Triodos Bank is a global pioneer in sustainable banking. In April 2017, Triodos launched a new personal current account complete with an eco-friendly Debit Mastercard made from renewable resources and with a distinctive “green leaf” design. The card’s design and material composition ensures that Triodos customers are proud to use a card that values the environment as much as they do.

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Best Payments Industry Newcomer

Bink Bink

Bink takes away the need for plastic loyalty cards. Consumers simply scan their loyalty and payment cards into a free app and automatically collect points just by using their credit or debit card. Bink has received £10m in funding, and has partnered with Arcadia, Virgin, American Express, Visa and MasterCard.

Curve

Putting payments at the heart of a ‘connected finance’ revolution Curve: simplify spending by paying from all your accounts with one smart card, linked to an even smarter app. Curve took the fintech sector by storm in 2017, putting payments at the heart of a ‘connected finance’ revolution.

Divido Divido

Divido is a cloud based credit origination and loan servicing platform enabling all types of lenders and 500 retailers to offer their customers instant, flexible, 0% interest finance.

Modulr

Payments flow easily with Modulr Modulr is driving a transformation in business payments. ‘Business hours’ payments are no longer good enough - today’s real-time businesses need real-time, reliable payment flows 24x7 . Modulr’s E-money Platform replaces decades old manual processes and batch files with APIs, enabling businesses to create an exceptional user-experience.

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CATEGORY SPONSOR

nimbl

Inspiring financial confidence and independence for young people nimbl is a youth banking proposition aspiring to become the payment product of choice for 8 million 8 to 18 year olds in the UK. By providing access to electronic money, nimbl enables young people to participate in an increasingly cashless society, whilst offering an opportunity to form good money habits in a digital age.

Optimus Cards Group

Optimus Cards Group - Enabling Payments for All Optimus Cards Group is the leader in providing white-labelled, real debit card programs to credit unions and smaller financial institutions throughout the British Isles. Believing that size should not prevent institutions from offering top-tier card services, Optimus provide card solutions with flexible scale and sizing, full-service support, and turnkey deployment.

CARDS GROUP

Optomany

Optomany Drives Omnichannel Success for Businesses in a Breakthrough Year as Customer Numbers Soar Optomany is a young company that has already carved out an impressive reputation for providing industry-leading omnichannel payment solutions. It has grown the number of SME customers it supports from just 1,000 in 2016, to over 355,000 today, and is experiencing transaction volume growth of over 15% month on month.

Verrency

Loyalty Points Spend Anytime, Anywhere Verrency is a growth-stage Fintech that provides cloud-based Payments-Innovation as-a-Service to issuers, processors and other digital financial institutions enabling them to significantly improve their service offering & customer engagement. We enable significant innovation to be delivered rapidly and inexpensively without changes to an issuer’s existing payments network/technologies.

13

Best Benefits or Loyalty Programme of the Year

American Express

A more personal, easy and flexible rewards programme From Oct 2016 American Express set out to deepen our customers’ engagement with our Membership Rewards Programme implementing a new strategy that included personalising the offering, streamlining the redemption process, and offering ultimate flexibility of point usage. Our strategy has driven excellent results, increasing engagement and deepening the relationship with Cardmembers.

American Express Centurion Medallion

Centurion Medallion is a loyalty and recognition programme designed to recognise our highest engaged customers who value and utilise the product. It is a unique programme in our industry - whether defined narrowly and limited to financial service providers, or more broadly to include other concierge and lifestyle players.

American Express Evolution of Amex Offers

Amex Offers is a personalised card linked offers programme which connects buyers and sellers by providing targeted merchant offers to Cardmembers through a variety of American Express digital experiences. Over the past year, we have evolved Amex Offers to drive increased engagement and loyalty from both merchants and Cardmembers.

Coutts

Coutts re-launched its Silk Card Loyalty and Benefits programme with increased choice, flexibility, value and reward Following a review of its Banking proposition in December 2016, Coutts re-launched its Silk Card Loyalty programme - Silk is Coutts’ flagship Card product. The revitalised programme represents our commitment to exceptional and personalised service, as well as increased choice, value and reward for clients.

HSBC

John Lewis & Waitrose Partnership Card loyalty programme Our co-branded Partnership Card maintains its loyalty offering of 1% return on in-store spend and 0.5% return on out-of-store spend to its customers in a market where loyalty offerings are currently being devalued.

14


Royal Bank of Scotland/ Natwest RBSG MyRewards Programme

MyRewards is a stand-out programme across debit and credit accounts, providing value and rewarding loyalty to our highly-engaged customers. An already strong core product, this year we’ve enhanced the proposition with a variety of initiatives designed to add value for customers and retail partners.

Sainsbury’s Bank

Best in market rewards for new Sainsbury’s Bank credit card holders who do their everyday spend in store. Customers can earn more than £50 worth of rewards in their first 2 months whenever they use their credit card to shop in Sainsbury’s. At a time when customers feel the squeeze financially, we believe this reward proposition is best in market and truly gives significant rewards back to the customer in time for the festive season.

Virgin Money Virgin Money Back

Virgin Money are entering Virgin Money Back into the loyalty programme category. Launched in March 2017 Virgin Money Back gave customers the chance to earn cashback on over 250 high street retailers - rising to 500 in October 2017. From food shopping to electrical goods the programme helps customers get more out of their spending.

Virgin Money

Virgin Red Partnership Virgin Money are entering our partnership with Virgin Red into the loyalty programme of the year category. Virgin Red helped us bring a whole world of Virgin to our customers. With record engagements we truly showed our customers what it means to live a life more Virgin.

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3C Payment

3C POS Payment Solution 3C POS is an innovative payment software terminal solution from 3C Payment designed for integrated Retail & Hospitality chains. The product is ideal for quick service industries ensuring speed of transaction at the point of sale, resilience in the event of a network failure thanks to configurable terminal settings and with its P2PE validation a reduction in merchant PCI scope.

American Express

Membership Rewards® Personalized Redemption Recommendations The American Express Membership Rewards® Personalized Redemption Recommendation Algorithm harnesses big data insights and a combination of highly sophisticated algorithms to present the most relevant rewards recommendations across all of our most impactful digital channels. This initiative has increased American Express Cardmembers’ interest for their reward options, and led them to redeem more.

ClearBank

New Clearing Bank utilising Cloud technology and ISO20022 ClearBank® is neutral and independent; our state-of-the-art technology transforms the ability for financial institutions to provide current accounts to their customers, resulting in faster and more efficient payments, whilst delivering financial inclusion. ClearBank®’s platform is directly integrated with CHAPS, BACS, Faster Payments, C&CCC; and are Principal Members of MasterCard and VISA.

Ethoca with Santander UK

Santander UK Take a Customer Centric approach to Managing Customer Disputes by Collaborating with Ethoca Santander UK turned to Ethoca’s global Card Issuer-Merchant Collaboration Network to drive near instant resolution of cardholder disputes - avoiding the slow, costly chargeback process & creating a better experience for the cardholders.

First Data

First Data’s Global PFAC Solution Offers Unmatched Capabilities and Scope for Payment Facilitators With First Data’s Global PFAC solution, payment facilitators have access to a single integration interface, enabling their sub-merchants to easily authorise transactions in more than 150 currencies worldwide, and settle in 17 currencies.

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CATEGORY SPONSOR

Lloyds Bank Cardnet WoraPay

WoraPay and Cardnet teamed up to launch a unique order, pay and collect app that can be used by any retailer. WoraPay allows customers to place an order from any location and collect it when it’s ready. The app has halved customer wait times and been proven to increase sales by up to 66%.

The Chargeback Company

Powering Over £820,581,000 in Revenue Recovery The Chargeback Company, also known as Chargebacks911, offers issuers and acquirers a highly effective solution for chargebacks. Its patent-pending, two-prong approach leverages its Intelligent Source Detection Technology and unmatched expertise. Touted as the only solution proven to detect and remedy friendly fraud; results don’t only reduce chargeback losses, but also increase revenue yields.

Valitor

AltaPay creates the only true multi-country omni-channel payment solution AltaPay, a Valitor company, now provides a single connection for payments of all kinds, from in-store through online and everything in-between, allowing their consumers to pay anywhere. The new innovative technology platform makes payments less complicated.

Western Union Business Solutions Western Union GlobalPay for Students

Millions of students across the globe are set to benefit from a world class payments platform which gives more opportunity, more choice while saving universities time and money. The WU® GlobalPay for Students platform enables universities to compete on the international stage by allowing students to pay fees online in local currency via a range of digital options.

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Best Industry Innovation of the Year

Barclaycard

Changing The Game Barclaycard Precisionpay now includes a bank transfer option. The buyer gets the advantage of paying later. The supplier gets the benefit of being paid on time. All happening in an automated process. No card information is exchanged or is ever ‘in the open’. An innovative solution to many industry issues.

Bink Bink

Bink takes away the need for plastic loyalty cards. Consumers simply scan their loyalty and payment cards into a free app and automatically collect points just by using their payment card in store. Bink has received £10m in funding, and has partnered with Arcadia, Virgin, American Express, Visa and MasterCard.

ClearBank

New UK Clearing Bank ClearBank® is neutral and independent; our state-of-the-art technology transforms the ability for financial institutions to provide current accounts to their customers, resulting in faster and more efficient payments, whilst delivering financial inclusion. ClearBank®’s platform is directly integrated with CHAPS, BACS, Faster Payments, C&CCC; and are Principal Members of MasterCard and VISA.

Ethoca with Capital One & TSYS

Automating Fraud Loss Avoidance & Recoveries Creates a Better Experience and Cuts Costs Ethoca, TSYS and Capital One UK have automated fraud mitigation and recovery through integration between TSYS’ Transaction Recovery Network (powered by Ethoca) & CardGuard. Merchants stop and refund/avoid settlement on 394% more fraudulent transactions monthly (compared to manual files).


GPS brings customisation and flexibility to high profile fintechs via GPS Apex, its single global processing platform GPS, The PayTech Pioneer™, is the payments processor enabling high-profile fintech innovations. GPS enables clients to break down legacy barriers to deliver ground-breaking innovation. Integrated with 35 issuing banks globally, in 30 countries using 150 currencies, GPS enables its clients to deliver exciting new value propositions for end users.

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CATEGORY SPONSOR

iBe TSE DrnkPay

DrnkPay, the world’s first mobile payments system which stops people overspending when they’re drunk. It’s an app that connects the user’s credit and debit cards to a breathalyser or biosensor wearable so it knows how much they have drunk and limits certain purchases if they have had too much.

KBC Bank Ireland

Account activation in 5 steps and in less than 5 minutes (Really!) Creating beautiful customer journeys in tightly controlled regulatory environments has proven challenging for financial organisations. By integrating cutting-edge technologies to build an instant customer journey that culminates in the opening of a funded account, an instant debit card and a digital wallet in under than 5 minutes, KBC Ireland has tackled that challenge.

PrePay Solutions Tide & PrePay Solutions

Tide is a mobile-first current account for start-ups, sole traders and small businesses. It is unique in that it enables members to set up a business account and start using its features in a matter of minutes.

Saxo Payments

Banking Circle Virtual IBAN - the first multi-currency Virtual IBAN offered to the payments industry by a non-bank Banking Circle Virtual IBAN delivers a unique proposition for FinTechs to add value to their customer proposition. As a multi-currency, multi-jurisdictional banking solution it negates the need to have several banking relationships and enables FX and Payments businesses to give their customers their own virtual IBANs.

Worldpay

Worldpay Business Finance & Liberis: New funding model powering SME business growth Worldpay Business Finance gives SMEs support with their cash flow by providing access to a valuable new source of funding to invest in their business. The service, which can make funds available to SMEs in 72 hours and payments are made as part of their card fees. It’s so popular that 79% have taken multiple advances.

19

Best Business Card Programme CATEGORY SPONSOR

Barclaycard

Reconnecting with small businesses Barclaycard spotted a disconnect between large banks and small businesses. Through customer listening and intuitive research, they’ve transformed their Business Card offering into one that’s far more valuable. It understands individual business’s needs. Barclaycard have achieved something commendable - they’ve grown their credit card business by helping small businesses grow theirs.

Cashplus

The Cashplus Business Current Account Cashplus offers fast, convenient, safe and transparent business account services to UK micro-entrepreneurs who’ve been getting a raw deal from the high street banks. Our customers don’t bank with us, they bank on us. We’ve used over a decade of commercial success to invest in the technology needed to provide hassle-free financial freedom to our 90,000 business customers.

WaveCrest Holdings Limited MyChoice Professional

MyChoice Professional is an innovative commission payment solution for insurance companies, brokers and fund managers.

20


Best Alternative or Digital Payments Programme

CATEGORY SPONSOR

Contis

Engage, Bringing FinTech to the Masses Within Local Communities Engage, the alternative banking solution with ones’ local credit union, brings FinTech to the masses by providing them with mainstream banking services traditionally not accessible to the financially excluded. With current accounts where no credit checks are required, awardwinning savings/budgeting tools, and a mobile app on-the-go, consumers are empowered.

alterna�ve banking with your local credit union

eNett International

eNett International disrupts B2B travel industry with VAN technology eNett International’s year-on-year revenue increased by 64% in 2016; a testament to its mission to disrupt B2B payments and bring a tsunami of digitisation to the travel industry.

First Data

First Data’s Local Payments Solution Powers Cross-Border Global Commerce The rise of global commerce is creating a borderless economy and businesses need to provide the payment method their customers prefer. To meet this growing need, First Data’s Local Payments solution provides digital businesses and their customers with access to 195 local payment options when fully implemented.

Saxo Payments

Unique financial utility Saxo Payments Banking Circle addresses time and cost challenges of B2B cross border payments Saxo Payments Banking Circle is a financial utility that goes to the heart of enhancing the customer service proposition of FinTechs, enabling them to offer their merchants the facility to pay suppliers and partners directly from a web interface delivered by the FinTech, in their name, thereby empowering global trade.

Western Union Business Solutions Western Union GlobalPay for Students

Millions of students across the globe are set to benefit from a world class payments platform which gives more opportunity, more choice while saving universities time and money. The WU® GlobalPay for Students platform enables universities to compete on the international stage by allowing students to pay fees online in local currency via a range of digital options.

21

Best Initiative in Mobile Payments

First Data and SumUp

First Data & SumUp Partner to Serve Micro Merchants First Data and SumUp have collaborated to cater to the underserved micro merchant market with world-class mPOS products and great value to merchants while keeping maintenance costs minimal. Together, they are making it easy to get these merchants quickly accepting payments so they can focus on building their business.


Revolut and GPS innovation puts global money at the fingertips of consumers Revolut is a Global Money App, reducing hidden banking fees to zero. Users can exchange currencies at perfect interbank rates, send money through social networks and spend with a multi-currency card everywhere Mastercard® is accepted. Revolut appointed Global Processing Services (GPS) for its powerful payments processing platform, GPS Apex.

iBe TSE DrnkPay

DrnkPay, the world’s first mobile payments system which stops people overspending when they’re drunk. It’s an app that connects the user’s credit and debit cards to a breathalyser or biosensor wearable so it knows how much they have drunk and limits certain purchases if they have had too much.

Lloyds Bank Cardnet WoraPay

WoraPay and Cardnet teamed up to launch a unique order, pay and collect app that can be used by any retailer. WoraPay allows customers to place an order from any location and collect it when it’s ready. The app has halved customer wait times and been proven to increase sales by up to 66%.

22


Paythru

A friendly, fair and cost effective way to collect money owed Paythru is a provider of innovative digital payment solutions. Paythru’s collection solution uses personalised URL’s within SMS campaigns allowing payments to be made instantly via secure mobile payment pages.

Tesco Bank Tesco Bank Pay +

Tesco Pay+ is a fast, simple and secure way for customers to pay for their shopping and collect Clubcard points all with one simple scan of their Apple or Android device. It is the first digital wallet of its kind, placing Tesco at the forefront of innovation in digital payments.

Wirecard

boon. Make contactless payments with your smartphone. simple.smart.secure. boon.How you pay today.boon. by Wirecard is a convenient way to pay with your smartphone - in everyday situations or when travelling, even without internet access. Enjoy the freedom of carrying out transactions without cash or bank cards - it’s just tap and pay.

Worldpay

My Business Mobile - turning a smartphone into a payment device Worldpay leads from the front with the launch of My Business Mobile, an innovative, industry-first downloadable terminal. It’s the first technology app to enable SME micro businesses to turn their smartphone into a contactless payment device. This could potentially mean the end of traditional card machines for SMEs.

23

Best Credit Card Product of the Year

American Express Centurion

Centurion (by invitation only), is a uniquely prestigious, highly personalised, travel and lifestyle product. As part of the super-premium benefits and services, with Centurion UK we deliver to our Centurion members truly bespoke experiences, highly engaging and personalised service through Relationship Managers and 24/7 Concierge service.

Clydesdale Bank B Credit Card

The new B credit card with a low APR and no non-sterling transaction fees on purchases made outside of the UK. Coupled with the smart B app, the B credit card is designed to help customers make the most of their money whilst being able to stay in control of their finances.

HSBC

John Lewis & Waitrose Partnership Card We heard our customers and have enriched the co-branded Partnership Card with Instant Issuance, Contactless and maintained our already valued loyalty benefits.

M&S Bank

Not just any credit card, the M&S Credit Card M&S Bank’s dual offer credit card allows customers to benefit from the award-winning service, great rates and M&S loyalty points that they have always valued, along with the choice of the introductory offer that best suits their needs.

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CATEGORY SPONSOR

Royal Bank of Scotland/ Natwest RBSG Reward credit card

The highly competitive Reward credit card focuses on delivering customers enhanced Rewards, top-brand retailer offers with a relentless focus on personalisation and customer experience. Rewarding loyalty and engagement with relevant and valuable offers the Reward credit card allows customers to earn unlimited Rewards.

Santander

Launch of Santander’s World Elite Mastercard On 5th June 2017 Santander launched its new World Elite Mastercard, exclusively for Santander Select and Private customers. This credit card is ideal for people who like to travel and be rewarded on their everyday spend. It offers a world of benefits that help customers experience the best in life.

Tesco Bank

Tesco Bank Purchase Credit Card Tesco Bank’s vision is to be the bank for people who shop at Tesco. To achieve this, we launched our 0% Purchase Credit Card for up to 30 months, offering one of the longest interest free purchase duration periods in the marketplace, and also rewarding customer spend with Clubcard points.

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Best Achievement in TCF CATEGORY SPONSOR

Capital One

Championing Digital & Financial Inclusion The last year has seen Capital One embark on an ambitious digital accessibility programme to tackle digital and financial exclusion amongst disabled people. By engaging industry bodies and disability charities and overhauling its own digital journey, Capital One is helping drive real change whilst increasing customer advocacy and numbers.

Lloyds Banking Group The Service Alerts Programme

Since the launch of our Service Alerts Programme, we’ve helped our Credit Cards customers to keep control of their finances. In 2017, we have sent over 10 million alerts, resulting in reductions of customers being charged fees, entering our Collections strategies and making complaints

Royal Bank of Scotland

Holt’s Military Banking Visa Debit Card When you’re the oldest UK armed forces bank, how do you encapsulate 200 years of service, help serving and veteran personnel with disabilities and prove a concept for other banks to follow? With a unique card design that sums it all up.

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Best Prepaid Product of the Year Centtrip Limited

Centtrip Prepaid Mastercard - revolutionising expenditure in music and marine Centtrip is a fintech company pioneering global treasury-management solutions for companies and affluent individuals with international presence. Over 300 superyachts and over 200 award-winning international music artists use our world-first, user-friendly, multi-currency account and prepaid Mastercard® online or via our app for 24/7 global payments, foreign exchange and card expenditure.

First Rate Exchange Services Post Office Money Travel Money Card

The Post Office Money Travel Money Card is transforming foreign exchange in the UK. With 13 currencies available on one contactless enabled card, we offer the widest range of prepaid currencies on the high street.

the experts in foreign exchange

GVS

The One4all Gift Card The success of the One4all Gift Card is due to continual augmentation, sales channel growth, retailer recruitment and excellent customer service. The past 12 months have been no different with sales growth of over 20%, high profile retailer recruitment, a key corporate partnership and NPS scores of above industry average.

PPRO

PPRO CrossCard: driving innovation for HYVE PPRO’s innovative CrossCard solution is itself helping drive innovation for HYVE, by providing a combined approach that helps develop entrepreneurial thinking and supports radical, bottom-up innovation within companies.

Their Perfect Gift

Spend Anywhere Giftcard, issued by WireCard A personalised gift card, which can be redeemed in over 32million places globally, on-line or In-store. Ordered online, the prepaid gift card, along with a personalised greeting card is delivered straight to the door of the recipient. There is safety, security, choice and personalisation making it Their Perfect Gift.

t theirperfectgif Spend anywhere GiftCard

WaveCrest Holdings Limited

MyChoice Corporate Prepaid Debit Card Solution Our MyChoice Corporate prepaid cards solutions are the answer to streamlining your business. With our prepaid cards, you can easily pay commissions, reimburse or prefund travel expenses, and make other payments across the globe in multiple currencies without the need for bank accounts or credit checks.

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Best Marketing Campaign of the Year

American Express

A new campaign marks the start of a golden era The American Express Preferred Rewards Gold Card is one of Amex’s most recognised and iconic products. In Q4 2016, the creative, media buying and customer segmentation strategies underwent a complete transformation. The resulting ATL campaign took a fresh new approach to how we positioned the product and delivered outstanding results.

American Express Supercharge Your Cashflow

To increase awareness and generate leads around its business payments solutions, American Express created a new communications strategy. With its striking visuals and integrated execution, the campaign set record awareness figures, leveraged customer advocacy and has helped put sales on track to achieve 300% against 2017 forecast.

Barclaycard

Barclaycard presents BST Hyde Park - Generating awareness & consideration in the B2B market We took our award-winning ‘People Included’ campaign one step further in 2017, bringing our B2B expertise to life in a fun, informal way in a traditionally consumer-facing arena: Barclaycard presents British Summer Time Hyde Park (BBST). Our integrated campaign scaled new heights through influencers, events, print, social and digital.

Barclaycard

Helping Barclaycard customers get fraud smart To protect customers from fraud, Barclaycard launched a campaign to them get fraud smart. Through its interactive Fraud Fighter tool, customers could test their fraud knowledge and, based on their answers, get tips to better protect themselves. The campaign was supported by a multi-channel communications programme reaching 25m people.

Barclaycard

It’s brilliant on holiday - Barclaycard Platinum travel credit card Barclaycard’s Platinum travel credit card provides no fees on foreign transactions and ATM withdrawals for 5 years. Our multi-channel acquisition campaign was designed to drive sales from the hard-to-reach segment of Savvy Players, via targeted and broadcast media during the peak holiday booking period.

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CATEGORY SPONSOR

One4all Gift Cards

‘Happy Gifting’ - One4all’s Record-Breaking 2016 Christmas Campaign With aggressive targets set for Q4 2016, One4all built on a successful 2015 campaign to deliver a record breaking 2016 Christmas campaign. The ‘Happy Gifting’ campaign increased gift card sales across all sales channels, exceeding expectations with an inventive and memorable campaign using out-of-home, instore, digital, television and radio.

Sainsbury’s Bank

“Turning Milk into Movies”; how we helped communicate the benefit of reward and the luxury of choice Sainsbury’s Bank communicated a compelling message to customers via our “Turn Milk into Movies” campaign to create a tangible link between the benefits a customer can enjoy and their everyday spend. Overall reach increased by 106% and in-store applications increased by 393% as a result of this campaign.

Virgin Money

Random Act of Kindness Campaign Virgin Money are entering our ‘Random act of kindness’ activity into the campaign of year category. The campaign in February 2017 showcased true Virgin difference. With huge customer engagement and fantastic surprises we delivered a customer interaction in a way only a Virgin business can.

Virgin Money

Touch a Life Campaign Virgin Money are entering our ‘Touch a Life’ campaign into marketing campaign of the year. In November 2016 along with Mastercard and the World Food Programme our customers used contactless technology to help deliver 250,000 meals to children in Mali. Not only did this help a great cause but got our customers using contactless as well.

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Best Debit Card Programme of the Year

Contis

Engage, Bringing FinTech to the Masses Within Local Communities Engage, the alternative banking solution with ones’ local credit union, brings FinTech to the masses by providing them with mainstream banking services traditionally not accessible to the financially excluded. With current accounts where no credit checks are required, award-winning savings/budgeting tools, and a mobile app on-the-go, consumers are empowered.

alterna�ve banking with your local credit union

Coutts Coutts

Following a review of its Banking proposition, Coutts launched a Multi-currency enabled Debit Card on 1 December 2016, introducing market-leading international transaction and liquidity management features, aimed at meeting our clients’ growing international footprint whilst delivering tangible value to their banking relationship and strengthening our brand promise of ‘exceptional service’.

Optimus Cards Group Enabling Payments for All

Optimus Cards Group is the leader in providing white-labelled, real debit card programs to credit unions and smaller financial institutions throughout the British Isles. Believing that size should not prevent institutions from offering top-tier card services, Optimus provide card solutions with flexible scale and sizing, full-service support, and turnkey deployment.

Payment Cloud Technologies The An Post ‘Smart Account for Savvy People’

The An Post Smart Account: A genuinely innovative alternative to the ubiquity of mainstream financial products. With more benefits than a standard current account, and backed by a national-scale banking network, its unique Smart Wallets and Smart MoneyBack cash-back scheme help customers to manage their money and benefit financially.

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CARDS GROUP


MyRewards is a stand-out debit card programme, providing value and Rewards for our highly-engaged customers. An already strong core product, this year we’ve enhanced the proposition with a variety of transformative initiatives designed to add even greater value for customers and retail partners.

Tesco Bank

Tesco Bank Personal Current Account Guarantee Our Current Account Guarantee not only delivers great benefits and rewards but combines the convenience, ease and great service that Tesco customers demand. As a result, we feel it is a product that truly exemplifies our vision - to be the bank for people who shop at Tesco.

U account and Wirecard Card Solutions Breaking the mould in everyday money management

U offers a debit card programme that helps users manage their money, have easy access to essential banking services, and avoid penalty fees. With some unique and revolutionary offerings that set it apart, U strives to deliver greater value and better service to its customers.

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Best Security or Anti-Fraud Development

CATEGORY SPONSOR

Capital One

TSYS Foresight Score™ with Featurespace: real-time, machine learning customer fraud protection Capital One UK pioneered the TSYS Foresight Score™ with Featurespace: an innovative, live, real-time fraud risk score providing enhanced customer card and payments protection increasing fraud detection by 35%, while also reducing blocked cards by 47%. Machine learning understands and predicts individual customer behaviour, even in new payment fraud areas.

ECommPay

Finding Synergy Between Security & Conversion Security is viewed as a necessary evil, curbing fraud at the expense of conversion. Poor defence mechanisms, however, can lead to greater financial losses. ECommPay’s proprietary FraudStop risk management system is configured individually to client specifications and supplemented by the manual monitoring of suspicious transactions by experienced analysts.

Elavon Merchant Services

SecuredPro from Elavon & Sysnet - hands on customer support that helps businesses to become compliant, and stay that way All businesses that take payments need to comply with PCI DSS requirements. But for small businesses, the compliance process is often off-putting, complex and daunting. Elavon and Sysnet have together created Secured Pro, a new managed service which hand-holds the small business owner through the process to make certification a whole lot easier.

InAuth

InAuth Security Platform Mitigates Risk, Reduces Friction and Empowers Competitive Advantage in Mobile Payments InAuth provides advanced digital device intelligence, including identification, risk detection, and analysis capabilities that help organizations limit risk, remove friction, and reduce fraud within their digital channels. With safer digital transactions, organisations across industries are better positioned to capture new revenue opportunities and compete more effectively in an “always-on” world.

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Lloyds Bank Cardnet

Compliance Plus and IP Protect Lite Cardnet has launched two new pioneering solutions that enable merchants to become compliant in record time, including the industry’s first plug-in PCI compliance solution. The solutions are helping protect customers from fraud with an average compliance rate of 92.5% vs the industry average of 55%.

The Chargeback Company

Powering Over £820,581,000 in Revenue Recovery The Chargeback Company, also known as Chargebacks911, offers issuers and acquirers a highly effective solution for chargebacks. Its patented, two-prong approach leverages its Intelligent Source Detection Technology and unmatched expertise. Touted as the only solution proven to detect and remedy friendly fraud; results don’t only reduce chargeback losses, but also increase revenue yields.

Worldpay

Worldpay and Sysnet: PCI compliance made simple for 270,000 SMEs with Safer Payments Worldpay have partnered with Sysnet to ease SME’s route to PCI DSS compliance by designing Safer Payments - an easy step-by-step service that makes the process as simple as possible. 270,000 customers are now engaged with the programme, with 2,000 on boarded each month. 48% have already achieved compliance and this is expected to rise to 75% in the next five years.

UK Finance

The Banking Protocol UK Finance has coordinated the development and implementation of the Banking Protocol, a unique partnership between financial institutions, police and Trading Standards to protect potential fraud victims when they visit a branch. The Protocol has so far resulted in £6.1 million in financial harm being prevented and 65 arrests made.

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Best Achievement in Customer Service

Barclays

Barclays Cards Hub Research showed cardholders wanted more control and flexibility with their debit cards, so we launched the Cards Hub. This gives them power over how and when their cards are used, with greater protection from fraud. So far, it’s been used more than a million times.

Capital One

Principle Based Servicing: Empowering our People In just one year Capital One has driven a 21-point increase in its Net promoter Score - it’s now nearly 50% higher than the sector average. This was achieved by a bold programme that gives power back to the frontline and ‘brings humanity back to banking’.

Elavon Merchant Services

Elavon’s Dynamic Currency Conversion programme creates an outstanding payments experience for international visitors. 47 million international visitors to the UK & Ireland last year represent hugely valuable spending power & revenue opportunities. To attract this audience, businesses need to deliver outstanding, carefully tailored customer service. Elavon’s Dynamic Currency Conversion programme meets the exacting needs of this important audience by enabling a consistent, exceptional payments experience.

Lloyds Banking Group

The Tenacious Pursuit of Excellent Customer Service Being ‘the best bank for customers’ is in the DNA of Lloyds Banking Group. We’ve listened to colleagues and customers and been relentless in getting to the root of problems and solving them. Our NPS scores and reduction in complaints speak for themselves of how we’re putting our customers first.

SmartDebit

Achieving customer service excellence in the face of a changing landscape SmartDebit are the UK’s leading Direct Debit service provider, with over 19 years’ experience creating recurring payment solutions for companies and organisations of all sizes. SmartDebit make it easy for organisations to access advanced payment systems and improve their cash flow.

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Best CSR Programme of the Year Ikano Bank

Discovery Day empowers students with employability skills and positively influences perceptions of working for a bank The Ikano Bank Discovery Day was for 60 Nottingham Academy students, years 7 - 11. Co-workers mentored student groups to answer a brief - design a savings app. Students gained employability skills and had a positively influenced view of working in financial services through a real world scenario.

MBNA Ltd Chester F.C

A group of MBNA people gave up their free time and professional expertise to build a fantastic bespoke website for local partner Chester Football Club. This collaboration demonstrated MBNA’s commitment to the community and resulted in a significant costsaving for the fan-owned football club.

MBNA Ltd

WWF Tap to Give Wild Tiger Campaign TAP TO GIVE™ supported WWF, our partner of over 20 years, in its fight to double wild tiger numbers by 2022. Passengers could donate to the charity by tapping a contactless card on-board selected MBNA Thames Clippers’ vessels during a three month period, helping drive greater awareness of the campaign.

One4all Gift Cards

Shop4Crumlin - A fun, inventive campaign to help raise funds for Crumlin Children’s Hospital One4all’s 2017 Shop4Crumlin campaign encouraged One4all customers to get out and spend their gift cards to help raise money for Crumlin Children’s Hospital’s Giggle Fund, a fund dedicated to making sick children smile. The campaign raise over €30,000 for the fund, a new record.


By partnering with 9 much-loved charities and providing plentiful ways to earn Rewards on everyday spending, the MyRewards programme enables customers to give generously to good causes. This is clearly paying off as the amount customers have donated has soared in the last 12 months.

Worldpay

Worldpay & The Entertainer: Omni-channel charity payments with Pennies Worldpay and Pennies helped The Entertainer grow their CSR programme and modernise their approach to digital donations by enabling customers to donate at the point of sale through contactless payments. The Entertainer is now seeing a doubling of donations (taken as an average) in just a few months.

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Book a Table Package options available

Gold Table of 10 package £8,500 +VAT • • • • •

VIP Drinks reception Preferential positioning in the room 3 course dinner and awards ceremony VIP Drinks package on table A double page advert in the evenings souvenir brochure • A full colour page advert in the winner’s magazine • Digital advertising on the evening

Silver Table of 10 package £6,500 +VAT • • • • •

Drinks reception Standard drinks package on table 3 course dinner and awards ceremony A full colour page advert in the souvenir brochure Digital advertising on the evening

Bronze table of 10 package £4,500 +VAT • • • •

Drinks reception Standard drinks package on table A half page advert 3 course dinner and awards ceremony

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Each year The Card & Payments Awards culminates in a prestigious black tie dinner and ceremony which takes place in The Great Room of The Grosvenor House Hotel on London’s Park Lane. Tables at The Card & Payments Awards accommodate 10 people and provide a great opportunity to celebrate the successes of the industry with your team, clients, peers and colleagues. The Card & Payments Awards 2018 will take place on Thursday 1 February 2018. More information, or to book a table: 020 3170 8518 [email protected]

Congratulations on being shortlisted for The Card and Payments Awards DOCUMENT D’EXECUTION INGENICO_TD.ai

INFORMATIONS GENERALES

COULEURS UTILISEES

APPROBATION

Client: INGENICO Date : 10 DEC 2013

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1795 C

Utilisation: Impression en tons directs. Ne pas utiliser pour application écran.

Global leader in seamless payment

Good Luck from one innovator to another.

Sponsor of:


www.ingenico.co.uk [email protected] 37 @Ingenico

Judging Panel

Roger Alexander Chair of Judging Portfolio of NED and Advisory Roles Industry Personality of the Year The Card Awards 2008

Mark Bergdahl

Marcia Clay

Director

Loyalty Consulting UK

Senior Vice President, Market Development

Robert Courtneidge

Úna Dillon

Global Head of Cards & Payments

Managing Director

Locke Lord

Founding Director

Mastercard UK and Ireland

Merchant Risk Council (EU)

Prepaid International Forum

Daniel Edelman

Chris Harris

Vice President, Head of Merchant Marketing & Insights Europe

Director of Sales & Marketing

Peter Jones

Kelley C. Knutson

Managing Director PSE Consulting

President, International Issuer Solutions

Richard Koch

Elmar Leissle

Head of Cards UK Finance

Head of Marketing and Market Development

Laura McCracken

Matt Sloan

General Manager, International Payment Products

Managing Director, EMEA

Ingenico Northern Europe

American Express

Amazon

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TSYS International

Visa UK & Ireland

Discover Financial Services

A very warm thank you to our all our entrants and sponsors without whom The Card & Payments Awards would not be possible

PRIME SPONSOR

SILVER SPONSOR

CATEGORY SPONSORS

We look forward to seeing as many of you as possible at

the Awards Dinner & Ceremony on Thursday 1 February 2018

The Card & Payments Awards Garden Studios, 71-75 Shelton Street London WC2H 9JQ +44 20 7866 8188 [email protected] www.cardandpaymentsawards.com