This category not only encompasses cards but recognises the emerging cash replacement solutions such as e-cash, digital currencies (crypto-currency/bitcoin) and e-wallets. The winning solution, including virtual cards, could cover any aspect of corporate cards and how they are being used to improve the T&E processes. Overall Winner – Werner Flaig, Group CFO, Easa Saleh Al Gurg Group. Highly Commended Winner – Careem Egypt for Smart Networks. Their partner Navin Bhatija, Citi speaks about their winner collaboration and solution. Highly Commended Winner – Waste Management. Their partner Jacqueline English, J.P. Morgan speaks about their winner collaboration and solution.