The Democratization of Finance is Going into Overdrive. Become a Bigger Part of It at Digital Banking 2025.
Open banking, artificial intelligence, decentralized finance and Web3 technologies are rapidly accelerating the democratization of financial services, creating digital access to cheaper, faster and highly personalized products for customers.
DIGITAL BANKING explores the leadership and strategy as much as the innovation and outcomes reshaping the financial landscape. Banks, neobanks, fintechs and crypto companies converge for insightful keynotes from digital leaders, 1-on-1s with rule breakers, in-depth panel discussions and hands-on demos that highlight the agility and innovation required to compete.
82% of banks are increasing tech budgets. Get noticed.
The Digital Banking Demo Challenge, now in partnership with NayaOne, gives fintechs a one-of-a-kind platform to demo live and get real feedback.
Showcase your solution to innovation leaders from top banks like Wells Fargo, Citi, Truist, U.S. Bank, Ally, BMO, and Navy Federal—buyers looking for what’s next in digital banking.
Featured Keynote Speakers
Raman Bhatia
Nathan McCauley
Brian Minick
Visionary Speakers: Hear From More Than 85 Trailblazers, Including:
Alejandro Perez
Erin Crawford
Sherry Graziano
Stacy Armijo
Grant Karsas
Erica Dorfman
Jason Henrichs
Joanie Xie
High-level, Actionable Event Benefits
Gain insider insights from industry leaders in closed-door sessions designed to shape the future of digital banking.
Stay ahead with expert discussions on the latest trends, challenges, and innovations driving digital banking transformation.
Connect with top banking executives, fintech innovators, and decision-makers to build valuable partnerships and collaborations.
Experience tailored sessions, expert-led panels, and exclusive content designed to address your biggest digital banking challenges.
New Speaker
Jason Henrichs, CEO of Alloy Bank and host of the #1 Global Fintech Breaking Banks podcast joins the Digital Banking speaker line-up.
View Full Speaker Listing
Featured Speaker
Don’t miss our main stage interview with Raman Bhatia, Group CEO at Starling Bank.
View Full Speaker Listing
Keynote Speaker
Nathan McCauley joins DIGITAL BANKING! Nathan McCauley leads the only federally chartered digital asset bank—Anchorage Digital—and partners with other banks looking to crack into crypto. With regulatory progress and market momentum driving more institutions into the digital-asset ecosystem, McCauley unpacks why banks of all sizes need to develop comprehensive crypto strategies today to remain competitive as the crypto industry swiftly evolves.
Networking Opportunities
Connect with leaders and decision makers across banks, neobanks, fintechs, and crypto as they explore open finance, AI, cloud computing, and decentralized tech. Engage in 1-on-1 conversations with innovators, gain insights from digital disruptors, and experience hands-on demos—all designed to spark meaningful connections and strategic collaborations.
See Which Companies Attended in 2024
Feedback From Past Attendees
This was one of the better events that I have attended. The location, content, networking and exhibits were top notch. It was a great environment to learn from others and explore new ideas.
It was really good to have the experience rooms this year and be able to go and focus on the topics that interested me most.
2024 Photos
The Boca Raton
501 E Camino Real
Boca Raton, FL 33432
Travel & Accommodations:
The Boca Raton Resort offers a range of exceptional venues, incredible dining options, elegant architecture and beachside relaxation — the perfect place to unwind after a day of insights and strategic conversations.
Our hotel room block has officially closed online. Reservations at the conference rate should now be made by calling the hotel directly at 877-290-7506.
Reference: Digital Banking
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Apply to Demo
Why Apply?
Demo your product in front of senior banking executives and potential partners.
NayaOne and American Banker will jointly award the winner on the main stage.
Demo participants in select packages will be considered for a $10,000 sponsorship credit from American Banker, along with a templated Proof-of-Concept (POC) Digital Sandbox environment powered by NayaOne.
A fair and transparent panel of judges will select a winner through clear and objective criteria.
Three Ways to Showcase Your Innovation
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8-minute live demo on Day 1
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Dedicated content block (no competing sessions)
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Includes a digital kiosk for ongoing engagement
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Eligible for judging and a chance to win a $10,000 credit toward your sponsorship, plus the NayaOne Innovation Prize
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6-minute demo on Day 2
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Dedicated content block (no competing sessions)
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Includes a digital kiosk
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Eligible for judging and a chance to win a $10,000 sponsorship credit and the NayaOne Innovation Prize
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6-minute demo during lunch (5 on Day 1, 5 on Day 2)
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On the demo stage with no overlapping sessions
- Great visibility, but not eligible for judging, prizes, or a kiosk
Applying is Simple
The Demo Program offers sponsored presentation opportunities at a range of investment levels, which include a live demo in the general session, event admission, and post-event visibility on the DIGITAL BANKING platform. Selected companies will present an 8-minute live demo with no slides or videos, providing a direct, authentic engagement with attendees. Two executives per company are encouraged to deliver the demo and product explanation.
Share your vision and unique offerings with us. Demo presentations should highlight the effectiveness of your solutions in addressing real-world challenges faced by the banking community, offering insights into market trends and future directions.
Our team will review your application, and if selected, you’ll receive an acceptance notification.
If accepted, your sponsorship contract confirmation is due within 14 days.
Your sponsorship includes your live demo in the general session, event admission, ability for discounted exhibit space, sponsor attribution on relevant marketing materials, including the event website and onsite signage.
Your demo will be featured on the DIGITAL BANKING website for four weeks after the conference, ensuring continued visibility and engagement.
What Our Sponsors Say About Digital Banking
Apply to Demo
Celebrating 10 Groundbreaking Innovations in Financial Services
American Banker is proud to recognize the 10 honorees of the Innovation of the Year 2025 awards—trailblazing initiatives that are redefining the future of digital banking.
These standout innovations were selected for their bold impact, real-world results and forward-thinking approach to solving challenges across the financial services industry.
The awards will be recognized at DIGITAL BANKING, June 1–4 in Boca Raton, FL, with a special awards dinner, where the honorees and their teams will be showcased and celebrated.
Innovation: Delivering Embedded Finance to Contract Workers
Category: Embedded Finance
By focusing on contract workers, Starion Bank was able to expand its footprint across the country, massively increasing its customer base and total deposits.
The community bank, along with fintech partners Fiserv and Central Payments, teamed up with one of the nation’s largest gig economy employers to launch an embedded finance initiative focused on helping contract workers manage their finances.
Read more
Category: On-chain finance (Crypto + Blockchain)
Innovation: Citi Token Services
Bank: Citi
In the age of cross-continent, real-time payments, Citi has made it a priority to stay ahead of the curve. The bank’s Treasury and Trade Solutions customers were asking for multinational cash management and trade services available 24/7, and that’s where Citi Token Services was born.
Read more
Category: Open Banking + Open Finance
Innovation: Citizens Open Banking API
Bank: Citizens
Open banking is rapidly becoming standard practice in the banking industry through the embrace of application programming interfaces, or APIs. Citizens Bank, with the launch of its open banking API, takes this standard a step further by folding in commercial customers as well.
Read more
Innovation: Triangle of Fraud Protection
Category: Cybersecurity + Fraud
Triangle of Fraud Protection combines real‑time payment screening, AI‑driven fraud scoring, and settlement‑administrator tools to halt fraudulent mass tort and class action claims, which spiked 190‑fold between 2021 and 2023.
Developed by Digital Disbursements — a subsidiary of Western Alliance Bank — and partner ClaimScore, the solution launched in June 2024 in response to the surge in bogus filings.
Read more
Innovation: Triangle of Fraud Protection
Category: Cybersecurity + Fraud
Triangle of Fraud Protection combines real‑time payment screening, AI‑driven fraud scoring, and settlement‑administrator tools to halt fraudulent mass tort and class action claims, which spiked 190‑fold between 2021 and 2023.
Developed by Digital Disbursements — a subsidiary of Western Alliance Bank — and partner ClaimScore, the solution launched in June 2024 in response to the surge in bogus filings.
Read more
Category: Payments
Innovation: High-Fidelity ACH
Bank: First Internet Bank
When banks send large wire transfers on behalf of business clients, a lot can go wrong. Large automated clearinghouse (ACH) files can exceed transaction limits and require manual approval. Sometimes transfers are bundled into ACH files and processed asynchronously, and it’s not clear whether they will make the settlement
Read more
Innovation: Delivering Embedded Finance to Contract Workers
Category: Embedded Finance
By focusing on contract workers, Starion Bank was able to expand its footprint across the country, massively increasing its customer base and total deposits.
The community bank, along with fintech partners Fiserv and Central Payments, teamed up with one of the nation’s largest gig economy employers to launch an embedded finance initiative focused on helping contract workers manage their finances.
Read more
Innovation: High-Fidelity ACH
Category: Payments
First Internet Bank was one of the first online-only banks; it was founded in 1999. The bank, which is headquartered in Fishers, Indiana, decided last year it wanted to be able to offer its business customers reliability, timeliness and visibility into their ACH transfers.
The $5.9 billion-asset bank worked with Increase, a provider of an API-centric banking core, to develop a system in which the bank sends out canary transfers, so it knows when files are being received and distributed by the Federal Reserve. Customers are given a dashboard that tracks the progress of every ACH file and its expected settlement time. Check and Ramp are among customers who have reported that they now know precisely when payments will clear.
Read more
Category: Generative AI
Innovation: LLM Suite
Bank: JPMorganChase
JPMorganChase created a buzz last year when it revealed its plan to provide generative AI technology to all employees, to let them do things like draft emails and reports. Several banks followed suit.
Read more
Category: Regulation + Compliance + Risk Management
Innovation: Regulatory Inquiries Compliance Platform Automation
Bank: Morgan Stanley
When regulators ask a bank for information about transactions that occurred on its system, they expect a detailed answer quickly. Morgan Stanley’s compliance staffers used to answer these incoming requests by hand, logging inquiries in a database, finding the relevant data and responding to the regulatory agency.
Read more
Category: Digital + Mobile-First Banking
Innovation: Under 18 Financial Empowerment
Bank: Nubank
In Latin America, access to financial services is often limited to the privileged few who can afford high bank fees. Nubank, a Brazilian neobank, is expanding banking access to underserved Latin teenagers with Under 18 accounts.
Read more
Innovation: Faster Payments for a Network of Community Banks
Category: Other Innovation
United Bankers’ Bank, a correspondent bank based in Bloomington, Minnesota, and real‑time payments fintech Pidgin teamed up to develop a platform that provides the connective tissue and plumbing a bank needs to offer real-time payments through FedNow, RTP or the automated clearinghouse. The platform made instant payments a possibility for more than 1,000 community banks.
Read more
Category: Embedded Finance
Innovation: Delivering Embedded Finance to Contract Workers
Bank: Starion Bank
By focusing on contract workers, Starion Bank was able to expand its footprint across the country, massively increasing its customer base and total deposits.
Read more
Category: AI + Analytics
Innovation: Truist Client Pulse
Bank: Truist
What if a bank could see every piece of feedback every customer has ever provided, encompassing call center conversations, surveys, app store reviews and formal complaints, and incorporate that into decisions? This is the aim of Truist’s Client Pulse system.
Read more
Category: Other Innovation
Innovation: Faster Payments for a Network of Community Banks
Bank: United Bankers’ Bank
United Bankers’ Bank (UBB) and real‑time payments fintech Pidgin teamed up to bring instant payments to more than 1,000 community banks.
Read more
Category: Cybersecurity + Fraud
Innovation: Triangle of Fraud Protection
Bank: Western Alliance Bank
Triangle of Fraud Protection combines real‑time payment screening, AI‑driven fraud scoring, and settlement‑administrator tools to halt fraudulent mass‑tort and class‑action claims, which spiked 190‑fold between 2021 and 2023.
Read more
Recognizing 10 Groundbreaking Innovations in Financial Services
We’re thrilled to announce that American Banker’s new Innovation of the Year 2025 awards will debut during DIGITAL BANKING in Boca Raton, June 1-4, 2025.
Building on the success of American Banker’s previous awards, this enhanced program spotlights the most impactful and collaborative innovations shaping the future of financial services.
About the Awards
- 10 Honorees will be recognized as the top innovations of 2024, culminating in the announcement of one overall Innovation of the Year.
- Celebrations will take place at a special awards gala during the Digital Banking Conference, where the honorees and their teams will be showcased and celebrated during DIGITAL BANKING.
- Award recipients will also gain widespread recognition through American Banker’s print magazine, website, and social media channels.
We want to celebrate pioneering solutions that are driving real business impact and redefining what’s possible in banking and financial services. Innovations can be new products, services, tools, technologies, or projects—anything that launched in 2024 and has delivered meaningful improvements in:
- Revenue growth and ROI
- Operational efficiency
- Customer acquisition or retention
- Competitive positioning
- Expanding market reach or driving digital transformation
We welcome submissions in (but not limited to) the following areas:
- Digital + Mobile-First Banking
- Open Banking + Open Finance
- Regulation + Compliance + Risk Management
- Artificial Intelligence + Cloud Computing
- Embedded Finance
- Payments
- Banking-as-a-Service
- Cybersecurity + Fraud
- Other Innovations outside the above categories
Eligibility
Who Can Apply
- Banks, financial institutions, neobanks/challenger banks (with bank charters or licenses), B2B fintechs and crypto/blockchain companies (with bank charters or licenses).
- Partner firms such as fintechs, tech vendors, agencies, law firms, venture or private equity funds may co-submit along with the bank or financial institution.
Launch Date
- The innovation must have been introduced to the market in the calendar year 2024.
Geography
- Open to U.S.-based and international organizations that have launched the innovation in the U.S. market.
Nominations
- While nominations are encouraged, our editorial team will also independently review deserving innovations.
American Banker’s editorial team will review nominations and select the innovations to be recognized based on the return on investment, revenue growth, or other measurable impacts or benefits, and whether it creates a new paradigm or broadly influences the market.
- Complete the Online Submission Form by April 16, 2025 (11:59 p.m. ET).
- Provide specific data and metrics demonstrating the innovation’s measurable impact, such as revenue growth, efficiency gains, or market influence.
- Identify key contributors—including partner firms—who were instrumental in bringing the innovation to life.
There is no limit on the number of individuals who contributed to the project, but only the project leader and up to four additional colleagues or partners will be recognized by name.
- Submission Deadline
April 16, 2025
- Finalists Announced
May 2025
- Winners Honored
During DIGITAL BANKING in Boca Raton, June 1-4, 2025
Why Submit a Nomination?
High-Profile Recognition: Gain visibility across American Banker’s platforms—print, online, and social media.
Industry Validation: Highlight your organization’s innovation achievements to peers, customers, and potential partners or investors.
Exclusive Celebration: Network and share your success story at the Digital Banking Conference’s awards gala, where the overall Innovation of the Year winner will be named.
