Savers in the UK have faced low interest rates for a decade. Marcus by Goldman Sachs was launched with an innovative thought: savers deserve better. Thanks to 149 years of heritage and the latest tech, we were able to launch an easy-access savings account with a market leading rate.
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FinTech Scotland is building, developing and expanding a vibrant ecosystem across Scotland through innovation, collaboration and inclusion. We are forging a new path to make Scotland a world-renowned fintech hub driving progressive economic growth and social good for all in society.
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New Nectar is the new way to get points at Sainsbury’s. We created a proposition that redefines loyalty, that’s entirely digital and inverts the conventional loyalty mechanic, rewarding loyalty ahead of disloyalty.
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The CYBG Accelerator Team aim to embed new innovative tools, methods and ways of working in CYB. Our mission is to deliver new customer centric products and services at speed to the market, whilst proving the value of doing things differently. The B currency app was a vehicle for this.
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BBVA Valora View Augmented Reality, Big Data and 2D heat map features, helps users to look for houses for rent or sale, discovering their characteristics (square meters, number of bedrooms, year of construction) an updated and accurate market price estimation, besides a mortgage simulator.
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Bupa Business Mental Health Advantage is a new mental health service that reimagines support and cover for mental health conditions for businesses and their employees. The service includes hassle free diagnostics, quick access to treatment and supportive tools that make mental health more accessible.
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The Manifesto Innovation Accelerator (M.I.A.) is Danone’s innovation lab supporting a tribe of internal entrepreneurs to accelerate new business models. We take ideas all the way to market launch, in a test & learn mindset, inspired by startups.
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weflip is an innovative switching service that automatically keeps households on cheap energy deals, forever. weflip’s ‘sign up once, save forever’ service automatically moves its customers onto better energy deals, removing the hassle that’s led to 54% of UK homes being on bad-value default tariffs.
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At Centrica we had a vision to design a completely new, digital service for small businesses. We took a new approach, building a completely new venture that allowed us to work in an entrepreneurial way, keeping customers at the heart of our design, delivering quickly and iterating as we learnt.
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An innovative Contract Management ‘Centre of Excellence’ that delivers strong Contract Management through a single lean target operating model, underpinned by a standardised methodology and transparent processes; allowing npower to deliver on its promises and have ‘one voice to its suppliers’.
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Dash Cam is brand a new feature in our Aviva Drive app for iOS and Android that puts an independent witness on every car's dashboard for the first time and records a clip if they have an accident. Drivers can still also save up to 28% on their care insurance if display safe driving over 200 miles.
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#BankOfAPIs is a hackathon programme by the Applied Technology team to bring to life new propositions using Open Banking APIs. Teams meet on a Friday and pitch their prototypes on Sunday: working harder, faster and achieving more. #BankOfAPIs is forging a new approach to innovation within the Bank.
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Connected Money is an open banking inspired mobile app for HSBC UK customers that reinvents day to day banking for a new, digitally engaged generation. The app includes a range of simple, smart and supportive tools that help customers understand their money with HSBC, as well as other providers.
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FPI taps into Internet of Things (IoT) trip data and uses Distributed Ledger Technology (DLT), or blockchain, along with insurance business information, to redefine claims management, customer engagement and risk management capabilities for the motor insurance industry, by providing a simultaneous, single immutable version of the ‘truth’ which is used by all of the organisations involved in servicing the customer’s needs.
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For every £1 spent on appliance care, customers receive £1 worth of Smartcare rewards which can be used to get up to 50% off any household appliance. So, if protection costs £80 a year, you’ll receive £80 worth of Smartcare rewards to use – at no extra cost.
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Twisted London was launched in November 2017 as the first ever delivery only restaurant born from a Facebook page (Twisted). The menu features fun and delicious twists on traditional classics whilst also offering a ‘dirty vegan’ section.
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Waitrose groceries delivered while you’re out. Using smart lock technology, While You’re Away customers are able to grant access to a Waitrose driver who delivers their groceries into the fridge or onto the kitchen counter, leaves and securely locks the door, all while the customer is out.
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Green Mortgages allows movers, first time buyers, and re-mortgagers to borrow via a linked ‘energy efficiency home improvement loan’ to improve the energy efficiency of their home and unlock an interest rate discount on their mortgage product.
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In 2018 M&S launched a transformative partnership with renowned industry disruptor Octopus Energy. The combination of M&S’ unique brand reputation amongst consumers with Octopuses’ digital expertise and focus on green energy has created a customer proposition to challenge traditional suppliers.
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PreZero is a digital platform that enables businesses to quickly, easily, and cost effectively manage their waste disposal needs. Due to a lack of digitalization and lack of transparency in the waste disposal market, end customers often find it difficult to determine their needs correctly.
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The Customer Discovery Team is a newly formed customer lab based in D&G’s head office, made up of 5 of our most talented contact centre agents, who will research and test brand-new concepts and ideas directly with customers. The team enables agile multivariant testing and co-creation with customers.
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We developed a remote internship program, that gives hands on experience with global companies from the comfort of your home, campus or anywhere with an internet connection.
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'Consultancy+' - is a ‘gig economy’ marketplace which connects businesses to talented expert consultants. Consultants register on our innovative platform, and bid for our client’s consulting opportunities.
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AYEM is a ready to enjoy, healthy breakfast protein pot full of the stuff your body and mind loves (protein and Omega 3 DHA). It’s about doing something good for yourself every day, so you can leap out of bed and dance to work – or just get that morning feel-good factor, which makes your day.
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The Breakthrough program will drive cross-sector innovation across Norfolk and Suffolk through our digital platforms, training, and events that promote productivity, innovation, and competitiveness, ultimately growing the knowledge economy.
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Audi on demand is the latest idea from the Vorsprung durch Technik (Advancement through Technology) brand. This premium mobility service offers an innovative, flexible way for customers, new and existing, to access the Audi product range. It recognises a major change in consumer behaviour, towards a more non-committal, pay-per-use and on-demand economy.
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An energy & home services bundle that gives customers more value by combining a 4.9% discount on energy and free SSE Heating Breakdown Cover for 12 months. Giving customers peace of mind that their energy price and their heating systems will be protected for 12 months. Total saving of £144 per year.
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The Disruptive Economic Growth project set out to deliver economic development in an innovative way that would drive change, increase innovation and engage communities in enterprise. The goal was and is to deliver real impact, working with and in local communities, building connected communities and leading clusters.
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MachineMax maximises profitability of every machine in your construction fleet regardless of age, make or model. Zero Hassle Universal Telematics.
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Professional Portfolio Manager is new segregated platform portfolio technology specifically designed to support advisory centralised investment proposition management. Designed to avoid conflicts between financial planning decisions and investment decisions. The service supports Wrap advisers to scale their business and helps clients to maximise their wealth.
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We know that dragging baggage to and through the airport, unpacking it at security and then rushing for locker space, can take all the fun out of travelling. With Hands Free and AirPortr simply hand us your baggage and we will take the hassle out of the airport experience.
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InsurWave is the world’s first new blockchain platform for the marine industry that is revolutionising the role of the insurance, risk, reinsurance and regulatory industries. The platform enables risk and insurance pricing to be monitored and managed in real time, removing the expensive and manual overheads.
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The Residence offered John Lewis customers the ultimate-try-before-you-buy experience. With opportunities to stay overnight and host private dining experiences, everything in The Residence was for sale. The goal was to engage customers in the brand and allow them to discover an altogether different way of shopping.
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Hero Challenge is a new innovative 1-hole golf proposition that opens the sport to a new audience whilst promoting the unique culture and history of the event location. The proposition is shorter, entertainment focused and fun that builds better engagement between fans and golfers.
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SmartShop with Mobile Pay is a UK supermarket first, allowing customers to scan their shopping in Sainsbury's using their phone, pay in the app using Apple Pay, and leave the store without even going to the checkouts.
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FaceQuote is a 'SelfieApp', developed by Zurich. Designed for a new generation of consumers, it works by estimating a user’s age based on a selfie and then provides a life insurance quote. The App is comprised of only two steps, providing a quick & simple idea of what life insurance would cost.
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Time poor and want someone you can trust? Home Solutions from John Lewis gets you top tradespeople every time, for all your home maintenance and improvement needs. We even take responsibility for the quality of the work with our unique 12-month guarantee.
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The 5 metre tall parcel tower acts as a giant vending machine to dispense parcels for our own Click and Collect parcels, and parcels for our retailer partners’ customers who are using our toyou parcel service, allowing customers to receive their parcel in less than 30 seconds.
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ONYX InSight provides unbiased predictive analytics, underpinned by real-world engineering expertise, enabling clarity and better control for wind energy owners and operators in operations & maintenance decisions.
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Digitising and mobilising the entire sales workflow of a Zurich Insurance agent. From pre-sales relationship management, to personalising a policy and aiding the purchase process, to enabling smoother post-sales management and claims tracking.
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A new venture from Centrica for small businesses who want competitive energy prices and service their account online. Lite takes the hassle out of energy as customers manage their account whenever they want and have a free smart meter so they pay only for the energy they use each month.
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easyJet's vision is to offer our customers a tailored end-to-end experience throughout their entire booking & travel journey with us. The platform will be the continuation in each customer's digital experience of easyJet and will offer a brand and experience enhancing service whilst on board.
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ProxymitySM is a digital platform connecting institutional investors directly with the listed companies they invest in allowing real-time voting at shareholder meetings. We take the complexity out of the current intermediary chain allowing direct interaction between companies and their shareholders.
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Accuport is creating a predictive supply chain for the shipping industry. By tracking vessels and applying machine learning algorithms to create their 'digital twins', we are able to predict what oil supplies a ship will need and can then help ships optimise and streamline their procurement process.
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Anyone can order ice cold beer and have it delivered anywhere in Amsterdam, within 40 minutes. Users select drinks from a wide range of beverages in the Heineken assortment, add snacks if desired and share their location with a user friendly app. There’s also a pick-up service for empty crates.
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Twisted London was launched in November 2017 as the first ever delivery-only and now pop-up restaurant born from a Facebook page (Twisted). The menu features fun and delicious twists on traditional classics whilst also offering a ‘dirty vegan’ section.
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V Home is a new home safety monitoring product, a starter kit to give you everything you need to keep you home safe and secure. Protecting your home has never been easier, wherever you are.
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Waitrose Rapid Delivery - Choose up to 20 items from a range of over 1500 Waitrose products and get them delivered to your door in as little as 2 hours.
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The Xbox Adaptive Controller is a wireless controller designed for gamers with limited mobility. We built it to empower gamers to play the games they want, with the people they want. We created an affordable, easy-to-set-up, and readily available input device for Xbox One and Windows 10.
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Roam is the better way to do travel insurance; smoother, more efficient and intuitive. It puts the customer back in control; empowering them to toggle the levels of insurance cover to match what essentials they really need, while still providing extremely competitive cover across all other features.
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In 2018 Coca-Cola & Merlin Entertainments joined forces to encourage consumers to recycle more bottles by instantly rewarding with 50% off entry tickets to top UK attractions.Merlin’s top attractions were installed with our first-ever reverse vending machines to encourage the recycling of any bottle.
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The NatWest Entrepreneur Accelerator gives entrepreneurs the power to start, scale and succeed. We provide entrepreneurs with unique coaching, environment and network focusing on the key driver to success - the entrepreneur - we offer insight, support and challenge to help scale their businesses faster.
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EV Everywhere is the only energy tariff to bundle 100 percent renewable household energy with free membership to the POLAR network of more than 5,000 charge points throughout the country - providing the best value one-stop household and electric vehicle plan on the market today.
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Storey is a flexible workspace offer created by British Land for ambitious and growing businesses, as well as larger organisations seeking additional space on flexible terms. Created to fill a clear gap in the London office market which customers say is not being satisfied, Storey provides offices for companies employing between 20 and 70 people who have outgrown co-working space and whose needs have evolved. Storey also suits existing or large customers seeking project or shorter-term space on top of their core requirements.
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If a customer needs to claim for something where none of the blame lies with them, such as their car being hit whilst parked, if they’re insured with Direct Line they can claim and their No Claim Discount (NCD) is safe.
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The British Gas Insurance team has been on an incredible 12-month journey to create a new insurance broking business - building capability from scratch, engaging the wider business and adopting new working methodologies. This has been the first step towards their ambition to become a leading UK home insurance distribution player (>500k customers in 5 years) and transforming how customers protect their homes.
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An energy tariff that rewards customers for signing up to a Smart Meter with a £50 energy credit at the end of their 1 year fixed term. This will help customers to access the benefits of a smart meter and will also reward them with fixed price for 12 months and an energy credit (no exit fees).
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My Business Mobile is an app that allows businesses to accept face-to-face contactless card transactions on their smartphone, without the need for any additional payments hardware. The app will also accept payments via Apple Pay, Samsung Pay and Google Pay.
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SGS is the world’s leading inspection, verification, testing and certification company that spans nearly all industries. We are trialling a new way of delivering Innovation in this traditional environment by creating Pilots to run with the business.
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V-Kids Watch is an innovative smart watch allowing parents to look after their little ones when they are not with them. Set little adventurers free in a safe environment. Stay in touch with your kids, know where they are and when they need help.
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The Cup Recycling Revolution is an innovative environmental proposition to facilitate the collection, processing and recycling of disposable coffee cups, becoming cup neutral by the end of 2020.
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Dine & Dash – a brand new payment concept for restaurants that allows diners to simply 'walk out' at the end of their meals. No codes, no waiting around, just Tap. Eat. Go.
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AML Insights maps the path of stolen funds across payment systems and uncovers money laundering networks. A world-first, it overlays payment data with AI and machine learning to: 1) flag accounts involved in moving and extracting illicit funds, and; 2) light up mule networks hidden and operating within the system.
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Northumbrian Water Group’s Innovation Festivals bring hundreds of companies and individuals together from around the world to spend five days using design sprints and hackathons to search for new ways of tackling social, environmental and business problems that can have benefits reaching far beyond NWG’s own direct needs or normal sphere of influence.
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The AIB Brexit Ready Check is a digital planning tool that enables Customers to get a risk assessment of the potential impact of Brexit on their business, in less than 5 minutes.
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NatWest has tested AI-powered ‘digital human’ employees to answer customer queries and provide staff with training. Drawing on advances in neuroscience, psychology, computing power and AI, these highly life-like avatars permit a two-way verbal conversation via computer, tablet or mobile phone.
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Davies Disruptive Thinking is a programme that places the power of new ideas in the hands of our people. Our mission is to discover valuable ideas for our clients and our people, so that we can reimagine our business, by using technology and creating a culture of innovation.
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A digital platform where leisure boaters can find the best satellite communications solution for their vessel. Consumers can access clear and simple information about satellite communications, receive and compare tailored offers from trusted suppliers. We ultimately help consumers stay connected at sea.
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Catch is a new platform for value-oriented millennials offering the hottest, coolest products through a fresh, inspiration-focused browse experience. In addition to traditional product categories such as Fashion and Tech, Catch brings to users an experience of thematic product “worlds”, allowing them to shop the way they live – whether it be Wanderlust for the avid traveler, or Pink Wall for one who is excited by anything in the pastel hue.
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Mobilleo is the first mobility service platform for businesses globally. Our smart mobility technology assesses any business journey globally and then presents you with all forms of available transport in one application which businesses can pay by card or invoice and manage mobility policies.
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Santander’s Digital Investment Adviser (DIA) is a new online robo-advice service which makes it easy for customers to start investing from the comfort of their own homes. The 25 minute online journey leads customers through a simple set of questions to receive a personalised recommendation.
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ID-Er is a technology that allows contactless payment card "consumer present" technology to be used as a strong proof of identity for accepting deliveries. Proof of identity can be offered as a contactless card, a mobile payment app, or in the form of a drone landing pad for automated deliveries.
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Davies Connect allows customers to track their insurance claim digitally. It helps customers take back control and feel reassured, at a time when their homes are turned upside down by unexpected leaks or flooding. They always know what is happening with their claim and how we are helping them.
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ofo is the world’s first station-free bike-sharing platform operated via online mobile application.
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