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Entries are invited from financial institutions – or organisations that have partnered with FIs – that have utilised Open Banking, Open Finance or Smart Data to bring new products to market, streamline processes and deliver better outcomes for consumers and SMEs.

Entries are invited from organisations that have partnered to create an Open Banking product for consumers or SMEs. The partnership or collaboration between two or more businesses should be beneficial to both parties and not be just a commercial supplier-customer relationship. The entry may be submitted by either company in the partnership.

Entries are invited from organisations – or those who have partnered* with them – that can demonstrate how Open Banking has driven meaningful transformation within a sector, moving beyond incremental improvements to deliver step-change outcomes for customers or businesses.

Entries are invited from technology providers, financial institutions, or collaborative initiatives that have implemented a fraud prevention solution within the qualifying period. This could include solutions deployed during onboarding, authentication, payment flows, or wider infrastructure safeguards that secure Open Banking interactions.

Entries are invited from organisations that have made a significant contribution to the advancement of digital access to the financially excluded and underbanked populations via Open Banking.

Entries are invited from organisations that have delivered a clearly defined Open Banking payments project, implementing or enabling account-to-account (A2A) payments for consumers or SMEs. Entries may be submitted by: Merchants/brand or service providers adopting Open Banking payments at checkout Financial institutions enabling Open Banking payment capabilities Technology providers delivering the infrastructure or services that power a specific payments project

Entries are invited from all organisations offering Open Banking products and services to consumers or SMEs that can demonstrate what activities they have undertaken during the qualifying period to set them apart as a strong advocate of frictionless commerce. This category recognises the overall customer journey, including onboarding, journeys across channels, and the end-to-end experience beyond a single product or interface.

Entries are welcome from internal teams, cross-functional groups, or partnerships across organisations that have united around a shared goal and delivered exceptional results.

Entries are invited from financial institutions and third-party providers (TPPs) who offer an innovative application for customers or SMEs to enhance their financial wellbeing.

Open to: Technology providers, financial institutions, industry consortia, or regulated entities that have built or deployed solutions enabling compliance with requirements such as KYC, AML, fraud prevention, data integrity, safeguarding, or access to accounts.

Entries are welcome from either: Organisations delivering the service directly to customers or businesses Technology enablers or partners who played a key role in powering the application

This award recognises an early-career professional who identifies as a woman and is in the early stages of her career in Open Banking or Open Finance. Entries are invited from individuals who: have less than two years’ experience in Open Banking, Open Finance, or financial services, and are in the early stages of their overall career (typically with limited total professional experience) This category is not intended for senior professionals who have transitioned into the sector from other industries. Entrants should already be making a noticeable impact within their organisation, demonstrating strong potential to become a future leader in the industry.

Entries are invited from anyone who identifies as a woman and has made a significant impact in Open Banking or the Open Finance sector, and served as a role model for other women in both her own firm and / or the wider industry or her community.

Entries are invited from organisations that have successfully applied artificial intelligence within Open Banking or Open Finance to deliver improved outcomes for consumers, SMEs, or financial institutions.

Entries are invited from individuals who have demonstrated outstanding leadership, influence, and contribution to the advancement of the industry.

Entries are invited from organisations that have developed and delivered a truly innovative Open Banking or Open Finance solution, product, or initiative.

Entries are invited from organisations that have delivered an Open Banking initiative with clear, measurable impact on customers, businesses, or the wider financial ecosystem.

Entries are invited from technology providers, platforms, or financial institutions that have built or delivered infrastructure enabling Open Banking or Open Finance.