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11:FS Awards 2022

16th November 2022

#11FSAwards

Customer
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Purpose
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Technology
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Impact
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People
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Customer
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Purpose
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Technology
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Impact
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Customer
>>>>>>
Purpose
>>>>>>
Technology
>>>>>>
Impact
>>>>>>
People
>>>>>>
Customer
>>>>>>
Purpose
>>>>>>
Technology
>>>>>>
Impact
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On 16th November, 2022, we got the best and brightest in fintech and financial services together to celebrate the people and products shaping the future of financial services.

Don’t worry, we’ll be back in 2023. Get in touch now if you want to get involved.

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Awards

Here are 2022's shortlisted companies and winners.

Customer

Best experience design: consumer

You saw something broken, and decided to fix it. Using a Jobs to be Done (JTBD) framework or a similar research methodology, you designed a product to solve a real-world problem using great UX, behavioural design loops and game mechanics.
Shortlist
Criteria
  • Evidence of customer insight being applied to the product
  • Driving clear positive outcomes through innovative UX
  • Inclusively designed (representative imagery, clear signposting, low ambiguity, solid accessibility options, etc.)

Best experience design: business

You’ve designed a standout experience, combining customer research, great UX, and service design, to change the way businesses access and manage their money.
Shortlist
Criteria
  • Evidence of customer insight being applied to the product
  • Driving clear positive outcomes through innovative UX
  • Inclusively designed (representative imagery, clear signposting, low ambiguity, solid accessibility options, etc.)

Best onboarding

This 11:FS Pulse award shows what good onboarding should look like - the best practice everyone should be aiming for. You’ve considered every step in the onboarding journey, online and offline, from signup to first transaction.
Shortlist
Criteria
  • Task-oriented, smooth user flow, with personality and on-brand style
  • Well-thought-out steps to prevent drop-off and dead ends, integrating with any offline onboarding (physical cards, etc.)
  • Showing innovative thinking in reducing friction while remaining compliant, protecting user data and setting the user up for success with the product
  • Inclusively designed (representative imagery, clear signposting, low ambiguity, solid accessibility options)

Purpose

Fintech for good

We’re celebrating the FS solutions that have purpose at their core. Whether it’s social good, sustainability or smashing the patriarchy, we want to see positive change.
Shortlist
Criteria
Awarded to initiatives aimed at achieving greater financial inclusion and/or climate responsibility that are:
  • Supporting underserved, underbanked or unbanked populations or segments anywhere in the world
  • Supporting efforts to fight and reduce climate change
  • Able to demonstrate a measurable improvement to people’s lives through fintech

Financial wellbeing

Making sure that our customers understand what they’re buying and how to interact with financial products is our industry’s single biggest challenge and responsibility. Through financial education or financial advice, companies that are doing this well create customer value as well as business value. 
Shortlist
Criteria
Awarded to initiatives aimed at helping customers improve their financial wellbeing by:
  • Helping customers track their spending, save for emergencies, save for retirement, manage debt, make sound investment decisions and/or protect themselves from risk
  • Using technology to help customers understand their current situation and the decisions and trade-offs they face
  • Using behavioural economics or game mechanics to encourage better financial decisions
  • Helping customers understand the financial decisions and trade-off they are making through content, education and advice throughout the user journey

Impact

Consumer game changer

We see more and more of the same companies year on year. But who’s solving a problem that no one else has? Whose impact on the market has been unique? Who’s given consumer money management a long-overdue shakeup? Who’s leaving others in the dust?
Shortlist
Criteria
The winner will demonstrate:
  • They've addressed a real-world customer problem
  • They've fundamentally changed the value chain, service offering or market they operate in
  • A strong growth rate
  • Evidence of other fintechs/banks using ‘copycat behaviour’ to emulate the success
  • A sustainable and scalable business model

Business game changer

The company that changed the landscape of financial services for businesses, shifted the conversation, or challenged everyone else to up their game.
Shortlist
Criteria
The winner will demonstrate:
  • They've addressed a real-world customer problem
  • They've driven direct impact to the profit and revenue outcomes of their customers
  • They've fundamentally changed the value chain, service offering or market they operate in
  • A strong growth rate
  • Evidence of other fintechs/banks using ‘copycat behaviour’ to emulate the success
  • A sustainable and scalable business model

Most progressive regulation

Regulation shapes FS. But which piece of regulation really moved the needle this year?
Shortlist
Criteria
The winner will be across financial services and/or crypto and demonstrate:
  • They’ve driven innovation that impacted customer services
  • Speed and appropriate consideration towards market-changing deals
  • Clear and transparent comms, with easy to navigate landing page
  • Regulatory actions backed by a clear strategy, leading to positive outcomes for firms and the customers they serve
  • Evidence of reflection and learning from other regulators
  • A level of balance in regulatory touch levels
  • A level of adaptation to economic environments

Technology

Best Technology as a Service

We’re celebrating the seemingly unsexy tech and infrastructure that solves complex financial problems, the tech that helps companies build truly digital and scalable solutions. This award spotlights the most innovative and disruptive tech providers.
Shortlist
Criteria
Truly digital technology delivered as a service, that has:
  • A well-documented developer portal
  • API availability
  • Low/no code
  • Workflow automation
  • Jobs to be Done demonstrably enabled by XaaS
  • A scalable, fit-for-purpose commercial model

Best use of web3

This one goes out to the web3 warriors, blazing a trail across DeFi, NFTs and UX. We’ll celebrate the work that incorporates web3 into financial services products in a way that truly taps into the potential of web3.
Shortlist
Criteria
A product or service bridging the adoption gap by ‘merging’ crypto and fintech, helping to onboard the next billion people into the world of web3.
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The winner has proven itself via elements like:
  • Fintech to crypto: number of people onboarded by a fintech
  • Crypto to fintech: variety of use cases
  • DeFi UX: DApps that make DeFi lives easier
  • Open metaverses: MAU growth over 12 months

Open finance excellence

This award champions the best applications and developments in open finance to solve industry-wide problems effectively.
Shortlist
Criteria
An open finance programme or initiative that:
  • Shows ambition and scope in the kinds of open data it encompasses
  • Uses open finance to solve real problems that customers face
  • Changes how data is flowing and how products are used in one or more sectors of financial services
  • Has substantial adoption, either directly or indirectly, so that it is improving journeys or experiences for substantial numbers of customers

Embedded FS excellence

Solving real customer problems through the innovative use of embedded financial services. Whether it’s a bank, fintech, DeFi or non-FS business, we’re looking at applications that helped move the industry forward.
Shortlist
Criteria
An embedded financial services product which is integrated into a customer's journey at their point of need. The product could be across payments, lending, insurance or cards.

The winner will:
  • Solve a customer need and/or address a market gap
  • Serve a new or novel financial service beyond just a card or a current account
  • Use data to personalise and enhance the FS product being embedded

People

11:FS Hall of Fame

The 11:FS Hall of Fame celebrates everyone shaping our industry for the better. These people have brought us a step closer to the future of FS.
2022 inductees
  • Sir Mark Walport
Criteria
This year's inductees all met the following:
  • Be an entrepreneur or intrapreneur working in a financial institution who has made a big impact
  • Be someone who is clearly aware of and endeavours to embed diversity and inclusion into the organisation
  • Be someone who is clearly giving back to the ecosystem/community
  • Clearly exhibit strong values of innovation, resilience, teamwork and boldness
  • Have proven partnerships across the ecosystem
  • Have launched a product or offering where the industry had to follow
  • Bonus points for overcoming adversity or any major stumbling blocks along the way

Fintech leader of the year

This one goes out to the person that made the biggest change to the fabric of financial services this year.
Shortlist
Criteria
The winner will:
  • Have significantly moved the dial on how things are done
  • Have made significant use of technology to change infrastructure, the value chain, or brought an entirely new method of solving customer needs to market
  • Be someone who brought not just an idea, but a promising/sustainable business model designed for scale
  • Be respected and known by the industry

Highlights

Check out all the best action from this year's awards.

Photo gallery

Thank you to our 2022 sponsors

SAS logo
Visa logo
Equifax logo
Griffin logo
Wavemaker logo
Snowdrop Solutions logo
Growth Gorilla logo

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