Most innovative new product feature using account aggregation as a force for making consumer lives better MoneyHub Best new innovation in consumer savings or wealth journey using account aggregation GetChip Best new innovation in solving problems for small businesses using account aggregation SaltEdge Best new innovation in driving frictionless digital financial distribution Credit Kudos Best use of applied data science using account aggregation as a force for good Truelayer Best new innovation in third party payment initiation for consumers Tully Best technology provider vending to Open API Standards ForgeRock Best new innovation from a Technical Service Provider Yapily Most Open Finance / fintech friendly financial institution for the consumer moving into the future RBS Best innovation in security management: Who has done the most to protect consumer data? Nuggets Best products or services designed to improve SME productivity Akoni Open Banking Hero Award Tara Welkley, Citi JUDGES To see who judged the 2019 Awards, click here Judges' bios