Innovation of the Year
American Banker's Innovation of the Year is a special editorial feature and awards program that recognizes the 10 most influential technology-focused, team-led innovations launched by financial institutions.
A collaboration between the bank and Edward Jones was honored as American Banker's top 2026 Innovation of the Year at the Digital Banking Conference.
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Payments Connect replaces fragmented fintech tools with a single system for invoicing, payments and cash flow visibility.
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The XBU platform frees up capital so that multi-strategy clients like hedge funds can leverage it elsewhere.
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With PRISM, the bank uses 9,000 datapoints to determine more precise credit approvals. The result: 20 million new accounts, $182 billion in sales and better credit performance.
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U.S. Bank's work with Edward Jones highlights how embedded finance can evolve into a sustainable growth model.
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TD AI Prism analyzes more data signals than traditional models, improving prediction accuracy and personalizing offers.
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Traffic on Wells Fargo's Vantage platform jumped 222% in 2025, driven by technology built around what clients want to stop doing.
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The distributed ledger settlement utility allows blockchain-based payments to be sent to anyone with a bank account.
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Speakers at American Banker's Digital Banking Conference discussed financial technology trends including digital assets, cybersecurity and open banking.
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The Brazilian neobank expanded its bank accounts for minors with new features in 2024 by adding high-yield savings "boxes" and expanding parental controls.
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As real-time payments become more common, UBB's partnership with fintech Pidgin offers a roadmap for smaller banks to stay relevant.
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As the class action lawsuit settlement industry became overwhelmed with fraud, a bank and a fraud scoring company teamed up to fight back.
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