The Automobile Lending Product of the Year
We believe that leaders in the automobile finance business are defined by their distribution model, be it direct or agency driven, and the capability to acquire customers through market leading turnaround time and quality service, and whose assets demonstrate strong risk management over several market cycles.

The Consumer Finance Product of the Year
We believe that consumer finance is a highly effective entry-level customer acquisition platform, but is successful only when a percentage of customers bring on board their re-current and long-term revolving credit, deposits and consumer finance relationship with low delinquency costs.

The Credit Card Product of the Year
We believe that credit cards are highly effective customer acquisition platforms that must demonstrate the ability to convert its base into sticky and active users with low delinquency, supported by a robust analytics-based marketing and loyalty programme.

The Deposit Product of the Year
We believe that the deposits business is a demonstration of an insitution's strength in terms of franchise and retail distribution channels, as well as its proximity to customers and their ability to effectivelly sell a wide range of new and existing products in the local marketplace.

The Best Digital Lending Product
We believe that a digital ­ lending product incorporates innovative models in enhancing loan origination and decisioning, risk profile assessment, sourcing capital, while also providing a seamless experience to customers across a wide range of income segments.

The Digital Wallet of the Year
We believe that a digital wallet should allow customers to conduct the widest possible choices of digital payment transactions seamlessly, instantly and securely.

The Mortgage and Home Loans Product of the Year
We believe that a strong mortgage business is denoted by market share, volume and number of customers, ability to maintain spreads over economic cycles, strong customer equity portfolio and low delinquencies, supported by strong origination and customer support capabilities to achieve a profitable portfolio.

The Best Remittance Product and Service of the Year
We believe that remittance services require the execution of large volumes of instantaneous global transfers for low value transactions at the lowest possible per transaction cost that is passed on as a value proposition to the largest number of customers possible.

The Retail Payments Product of the Year
We believe that a successful retail payments project or product is one that enables real-time or offline, secure and end-to-end completion of low-value transactions for the largest possible number of customers and issues.

The Best API Initiative, Application or Programme
We believe that open application programming interfaces (APIs) are able to create powerful synergies between an institution's products and service propositions and its customers, exposing data and services externally and internally, to partners and mobile devices. Complete API management platforms are also able to maximise business value and deliver APIs that developers and business owners will support.

The Best Automated Advisory Service
We believe that successful automated adivsory services are not only able to onboard customers into wealth management services in the most cost efficient and convenient way, but would also able to create new forms of customer value around advisory.

The Best Blockchain Initiative, Application or Programme
We believe that the best blockchain initiative, application or programme launched innovative use cases allowing  network participants to connect directly and form online networks, removing the need for middlemen.

The Best Business Model
We believe that successful business model is one that demonstrated sustainable revenue enhancement and diversification strategies. In doing so, it recognises innovative programmes to serve new or underserved customer segments utilising new or re-engineered products delivered through new or re-engineered delivery channels.

The Best Brand Initiative, Application or Programme
The Asian Banker assesses the institution’s efforts to create a strong brand identity to build consumer mind share, persuade and realistically demonstrate the brand’s relevance to a customer’s daily life

The Best Compliance Initiative, Application or Programme
The best compliance initiative, application and programme effectively identify, own, manage and mitigate ethics and compliance risk in critical areas such as sales and marketing, finance and accounting, risk management, IT and data privacy.

The Best Credit Evaluation Initiative, Application or Programme
The best credit evaluation initiative, appliation or programme successfully applies new scoring models with a wide range of transactional, behavioural and alternative criteria processed in a highly automated manner to reach out to more customers previously inaccessible.

The Best Customer Centric Sales Initiative, Application or Programme
The best customer-centric sales initiative, application and programme creates timely,  relevant and needs based customer propositions which result in positive customer experience, customer loyalty and increased profits.

The Best Customer Relationship Management
We believe that a well-run customer relationship management includes customer loyalty, customer advocacy and retention initiatives, sales processes as well as all initiatives around customer relationship management at the front, middle and back office.

The Best CyberRisk Management Initiative, Application or Programme
We believe a successful cyber security risk management initiative must continuously address the evolving risks by demonstrating, on an enterprise level, the ability to identify and prevent instances of cyber frauds, thefts and intrusions to the bank’s network or systems while ensuring smooth and safe operations of the institutions.

The Best Data Analytics Initiative, Application or Programme
We believe that the application of data and analytics must demonstrate the ability to convert actionable information, gained from collecting, processing and analysing large data sets into, real business drivers, making an impact on the banks top and line growth.

The Best Distribution Network of the Year
We believe that the best distribution network are designed to maximising the scope of an institution's footprint through physical and digital channels to serve the transactional, advisory and product needs of the largest numbers of visitors in the most cost efficient manner, using both human and automated devices consistent with their brands.

The Best E-Commerce Proposition
The best e-commerce propositions are able to successfully connect digital marketplaces with value added lending and payments services  in the  most seamless  and accessible way.

The Best Employee Engagement Initiative, Application or Programme
We believe that a well-run insitution builds inclusive workplace environments where flexibility, diversity and value-based behaviour is celebrated and rewarded to create a highly engaged front line workforce. The areas of assessment are: employee development, employee engagement (internal), performance/reward structure and employee involvement (external).

The Best Financial Inclusion Initiative, Application or Programme
We believe that a financial inclusion initiative, application or programme brings in more consumers into the financial system by providing alternative and innovative solutions to underserved segments in which credit and financial products are limited.

The Best Internet Banking Initiative, Application or Programme
We believe that the best Internet banking capability is one that enables customers to access information, conduct transactions or purchase financial products and services in the most intuitive and secure manner possible that is consistent with the lifestyle needs of the target customer, while at the same time enabling the bank to communicate its messages.

The Best IoT Initiative, Application or Programme
The best IoT initiative, application or programme creates elevated client engagement by meshing  IoT with other emerging technologies to create powerful value propositions for new and existing clients, autonomous agents and market places.

The Best Mobile Initiative, Application or Programme
The best mobile initiative, application or programme offer a wide range of relevant functionalities and finanancial and non financial features to acquire a maximum number  of active users while ensuring high-level security and outstanding user experience.

The Best Mobile Payments Service
We believe that the best mobile payments product is one that demonstrates the use of the full range of current mobile device technology for financial transactions and services and in the most intuitive and secure manner possible.

The Best Omni Channel Integration
A sucessful omni channel integration is one that demonstrates efforts to integrate a diverse mix of network points to deliver services and products in the most consistent and unified manner possible, driven by business Intelligence, real-time data management, CRM, cross-channel implementation and channel cooperation as well as integrated contact management.

The Best Productivity, Efficiency and Automation Initiative, Application or Programme
We believe that a successful productivity, efficiency and automation initiative, application or programme enhances the institutions processes and optimises operations which allows the institution to better serve the consumers at faster and less costly manner.

The Best Retail Operational Risk Initiative, Application or Programme
We believe that a bank with a successful retail credit and operational risk management possesses: (a) an excellent on and off balance sheet position demonstrated by exceptional key credit risk ratios, and (b) processes for risk assessment, risk decision-making and risk control implementation to ensure proper measurement and mitigation of operational risk.

The Best Social Media Initiative, Application or Programme
We believe that a successful social media campaign engages in new ways of communication and the distribution of financial services and products to create not only trust, responsiveness and loyalty among new and existing customers but better leads generation and conversion.