Artificial intelligence is transforming the banking industry, streamlining operations, improving risk management, and enhancing the customer experience. CONSUMER BANKING SUB-CATEGORY WINNERS Best Payments AkBank Best Chatbots & Virtual Assistants CaixaBank Best Enhanced Customer Experience DBS Bank Best Personalized Financial Advice QIB Best Private Banking Bank of Georgia Best Fraud Detection and Prevention Banamex Best Credit Assessment Banamex Best Risk Management BBVA Best Fintech CTBC