Judges are looking for "Agentic AI"—systems that don't just answer questions but take action to improve a user’s financial position. Describe how the agent identifies issues before the user does. Detail the agent's ability to handle complex workflows. Highlight the agent’s ability to interact with external APIs (utilities, tax authorities, or other fintechs) to execute tasks on the user's behalf. Evidence of "Financial Health" must be backed by quantitative improvements in the user's life. Your submission should explain how the AI "knows" the customer. Provide details of AI safety, ethics, and compliance.

Clearly identify the specific underserved community and the structural barrier the AI successfully dismantled (e.g., 'thin' credit files, language hurdles, or high-cost services). The submission must provide compelling 'before and after' evidence of the AI’s intervention's quantitative and qualitative impact on financial access. Detail Ethical Safeguards & Fairness Auditing.

AI enhances customer experiences by providing tailored advice, proactive alerts, customized financial advice, enhanced customer support and innovative financial products and services. Judges want to know how AI provides proactive engagement and life-event Modeling, how well AI supports—not just replaces—human staff and demonstrate your approach to ethics, transparency, and "anti-creep" controls.

By leveraging advanced algorithms and machine learning techniques, AI-powered tools can provide tailored financial advice, enabling individuals to make informed decisions about their financial situation. Demonstrate how AI provides data-driven insights, personalized recommendations, proactive financial guidance and continuous learning and adaptation.

Offering a new level of convenience, efficiency, and personalization. From simple account balance checks to complex financial advice to personalized financial advice and tailored financial products and services, AI chatbots can also enable seamless onboarding and detect and prevent fraud by analyzing customer behavior, verifying customer identity and authenticating transactions. To win, your submission must prove that your assistant has evolved from a passive FAQ bot into a reasoning, autonomous agent capable of proactively managing a user's financial life, including executing complex, multi-step tasks across various systems.

Judges are looking for "Total Financial Crime Resilience," emphasizing the convergence of Fraud and Anti-Money Laundering (FRAML) and the use of Agentic AI to fight increasingly automated, AI-driven threats like deepfakes and synthetic identities. To win, you must show you have moved beyond reactive rule-based systems, adopting advanced detection methodology.

Demonstrate how AI has expanded your "lendable" universe by moving beyond traditional FICO/Bureau scores, explicitly listing the non-traditional data sources your AI analyzes, and providing details of how AI expands inclusivity. Include information on Proactive Credit Risk Management, such as early warning systems, and a summary of your "Responsible AI" audit trail for regulators. Conclude with the operational and financial impact.

By integrating AI into their products and services, fintech companies are transforming the way we bank, making it more efficient, accessible, and personalized. Collaborations between fintechs and traditional banks are becoming increasingly common, as they work together to leverage the power of AI to provide a more personalized, efficient, and secure experience. Demonstrate how AI has moved from a "cool feature" to an essential infrastructure for personalization, efficiency, and security. Award submissions will be accepted from both banks and non-banks.

To win, an institution must prove that their AI doesn't just "process data," but actively enhances the "white-glove" experience while managing the extreme complexities of multi-generational, cross-border wealth. Demonstrate RM empowerment & "last-mile" intelligence, proactive life-event and portfolio modeling and the "digital trust" and governance layer.

By leveraging advanced algorithms and machine learning techniques, AI can identify and address potential risks proactively. Demonstrate key applications such as fraud detection and prevention, credit risk assessment, operational risk management and market risk management. Demonstrate how AI tackles vulnerability detection and intervention, defensive innovation of fraud and scams and encourages responsible credit and affordability.

Judges will prioritize agentic excellence—proactive, risk-intelligent partnership over reactive service. Submissions must detail: Agentic AI's anticipatory risk mitigation, quantified by the "Anticipatory Intervention Rate" (proactive alerts vs. reactive handling). Rack-Scale Execution and Resilience, demonstrating zero downtime (e.g., 99.99% uptime) during high-stress periods and simplified "Trade-to-Risk" lifecycles via Straight-Through Processing. Regulatory Navigation & Confidential AI, explaining how secure "enclaves" process sensitive corporate trade data without exposing raw data to the bank or external AI models. All entries require hard 2025–2026 quantitative KPIs.

Judges are looking for "Deal-Lifecycle Intelligence"—AI that provides a competitive edge in sourcing, valuation accuracy, and speed-to-close. Winning entries must demonstrate how AI acts as a "Strategic Partner"—reducing the friction of deal-making while surfacing risks that human analysts might miss in the current volatile trade environment.

Covering any AI-based trade finance platforms and solutions offered by both banks and non-banks to help streamline operations, reduce costs, mitigate risks, and improve customer satisfaction. For an award submission to stand out this year, it must prove that the AI is not just a "tool" but an "operational layer."

To include AI solutions bringing new levels of automation, speed, and accuracy in managing supply chain finance operations. Judges are looking for information on the following - End-to-end Agency: How your system solves problems, rather than just flag them; Predictive Liquidity: Financing offered before the supplier realizes they need it. Regulatory Adaptability: Real-time adjustment to new tariffs/laws; Ecosystem Health: Reducing the "Carbon Footprint" of the supply chain.

Covering solutions where AI is reshaping the payments and cash management landscape, such as improvements to payment processing, fraud detection, cash forecasting and optimization, real-time payments, and reconciliation. Financial institutions must prove their AI is actively managing the systemic risks of liquidity, security, and verification that legacy systems cannot handle, transforming payments from a utility into a strategic growth enabler.

From AI-powered credit scoring models, machine learning algorithms that analyze market data, predictive analytics and stress testing tools, AI is enhancing risk management capabilities, to become a "growth enabler" and a "trust anchor." Judges are looking for "Total Governance"—systems that manage not just model accuracy, but ethical bias, third-party dependencies, and agentic autonomy.

AI provides enhanced due diligence, automated trade execution and real-time trade confirmation and settlement, automated compliance checks, real-time regulatory monitoring, personalized client services and predictive analytics help securities firms to streamline operations, enhance risk management, and improve client service. Demonstrate predictive settlement and failure mitigation, use of AI in corporate actions and complex event processing and digital assets and tokenization infrastructure.

Judges are looking for ways you have elevated AI into an autonomous participant that can navigate complex conditions through Agentic Execution (going beyond simple algorithmic trading). Submissions must also demonstrate the use of Confidential Computing (TEEs) to ensure hyper-personalized 'Trade Ideas' are delivered to institutional clients without exposing their proprietary order data. Detail how your AI performs "Extreme Scenario Stress-Testing" in real-time.

To include AI-powered data analysis, risk assessment, and impact measurement solutions that enable better assessment of ESG factors, identify sustainable investment opportunities, and mitigate risks associated with climate change and social inequality. To stand out, include high-value attachments rather than just text: e,g., Case study: A "landmark" transaction or portfolio adjustment driven by the AI. Third-Party Validation: Any ratings from S&P Global, MSCI, or independent audit assurance. Visual Assets: High-resolution screenshots of the AI dashboard or a short (2-minute) demo video showing the "Agent" in action.

AI is enabling financial institutions to offer more innovative, efficient, and personalized services. Submissions from banks and non-banks will be considered. To win, your submission must prove that your AI isn't just "efficient," but strategically transformative for the enterprise. Demonstrate how AI is solving the "complexity gap" and include measurable commercial performance.