May I participate if my institution is not an Efma member?

Yes. The Awards are open to all banking and payment institutions.

Are the SME AppsBank awards reserved for European institutions?
No. Efma is a global institution. Therefore the Efma SME AppsBank Awards are a global competition.
What is Efma?

Efma, a not-for-profit association formed in 1971 by bankers and insurers, specialises in retail financial marketing and distribution. Today, more than 3,000 brands in 130 countries are Efma members, including over 80% of Europe’s largest retail financial institutions.

Your question is not in the list?
Boris Plantier