MONETA Money Bank earns recognition for converting a clearly articulated digital "North Star" into disciplined execution that strengthens customer outcomes while protecting profitability and trust. The judging panel notes a coherent strategy to modernise Smart Banka into an intuitive, consistent platform designed to simplify journeys, raise engagement and scale self-service and digital sales, rather than pursuing feature volume for its own sake. Evidence of delivery is reinforced by the bank's FY 2025 performance: total operating income of CZK 13.9bn, up 7.8 percent year on year, demonstrating that experience-led digital investment is translating into measurable commercial momentum. Importantly, MONETA frames growth as a structural response to rising regulatory, ESG and reporting fixed costs, and aligns digitalisation with capital efficiency and resilience, signalling mature strategic governance. The approach to acquisition is explicit and quantifiable, targeting 75,000-90,000 new clients annually through digital-led onboarding and transparent pricing, while also addressing SMEs that larger banks often serve inefficiently; this focus differentiates the proposition in a crowded market. The panel also values the bank's risk-aware design choices: Smart Banka is positioned as a secure channel for authentication and transaction confirmation, and the operating model emphasises close cooperation between business, IT, risk and compliance to ensure innovation supports operational stability. Omnichannel integration further strengthens outcomes by combining digital convenience with expert support for complex decisions, reducing abandonment and reinforcing confidence. The Capital Finance International (CFI.co) Judging Panel congratulates MONETA Money Bank on winning the Champion in Digital Banking Experience 2026 Award (CEE).