Overall Winner – NexTier Completion Solutions, Bernie Liu, Treasury Manager, in partnership with Citi. Highly Commended – Royal Palace Furniture, Suman Ghosh, CFO. This is another new category in 2021 to not only encompass cards but to recognise the emerging cash replacement solutions such as e-cash, digital currencies (crypto-currency/bitcoin) and e-wallets. Winning solutions, including virtual cards, can cover any aspect of corporate cards and how they are being used to improve the T&E processes.