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Bank Technology News' Top 10 Innovators of the Year

Brett King Brett King

Company: Movenbank

Job: Author and company founder

Latest breakthrough: Developed a new scoring product called CRED that uses social media as part of its credit and pricing decisions.

Jose Olalla Jose Olalla

Company: BBVA

Job: Chief information officer

Latest breakthrough: Rolling Google Apps out across the entire company in the first major bank implementation of a public cloud.

Jeff Dennes Jeff Dennes

Company: Huntington Bank

Job: Chief digital officer, online and mobile services director

Latest breakthrough: Tying text and mobile alerts to a 24-hour overdraft grace period program.

Robert Frohwein Robert Frohwein

Company: Kabbage

Job: Founder, CEO

Latest breakthrough: Use of social media analytics and UPS shipping data in credit decisions.

Howie Wu Howie Wu

Company: BECU

Job: Vice president of virtual banking

Innovation: Easy, online, self-service customer onboarding.

Susan Andrews Susan Andrews

Company: Citi Ventures

Job: Head of innovation

Latest breakthrough: A company-wide idea challenge that generated 2,307 new ideas for the bank.

Harry Gunsallus Harry Gunsallus

Company: Redstone Federal Credit Union

Job: Senior vice president, technology and operations support

Latest breakthrough: Building new applications in an industry “app store” and selling them to other financial institutions.

Jim Smith Jim Smith

Company: Wells Fargo

Job: Executive vice president-head of Internet Services Group

Latest breakthrough: Creating specialized areas of Wells Fargo's online banking site to provide help to customers with specific needs.

Shekar Pannala Shekar Pannala

Company: BNY Mellon

Job: Executive vice president and divisional CIO for Global Markets and eCommerce services

Latest breakthrough: Developing mobile apps that provide context-aware computing, allowing content delivery to change with the user's environment.

Frank Eliason Frank Eliason

Company: Citi

Job: Senior vice president of social media

Latest breakthrough: Combining chat tools with social media to improve customer engagements.

From social media analytics to cloud computing to context-aware computing to novel means of building applications, this year's financial services innovators are pushing the envelope.

Related Article: 11th Annual Innovators of the Year