The year will be remembered as one of the most challenging players have faced in recent times, but for a night the focus was on those whose innovation meant progress for the industry. The CIO Summit and The Innovators Awards Gala, held in November at Hard Rock Live in Orlando, saw 25 of banking's best and brightest turn out to share ideas, compare notes and take a breather before heading into what will surely be an even more rigorous new year. The message of the evening: in spite of budget cuts, keep innovating.

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