Overall Winner – Diana-Iulia Macarascu, BAT. Highly Commended Winner – Loyal Hartman, Line-x, in partnership with J.P. Morgan. Highly Commended Winner – Jane Sutherland, Doosan. This category captures the emerging technology solutions. We have heard much about the fintech revolution, open banking, artificial intelligence, big data analytics, robotics, blockchain and other distributed ledger technologies. Some have moved beyond proof of concept and are now being used for real.