The winning bank was the first in Brunei to use an AI-led approach to credit risk management, demonstrating its commitment to technological advancement and customer experience. The bank's digital innovation included a partnership with Temenos for cloud-based core banking services, making it the first in Brunei to run its core platform in the cloud under a software-as-a service model.

It also implemented various technology initiatives to support its retail sector that saw significant revenue growth of 13%, driven by a 7% increase in customer base and robust performance in retail lending. 

For emphasising customer centricity, enhanced customer experience and engagement through key initiatives. The Best Retail Bank in Brunei is Baiduri Bank.