The death of experience

As you know, I spent last week at Amplfy09, an innovation festival hosted by AMP of Australia. At one of the events, I had the chance to sit with some financial planners and their clients. The question I posed was this: Which do you think has more brain power: 25 twenty-three olds (i.e., brand new […]

The death of experience

As you know, I spent last week at Amplfy09, an innovation festival hosted by AMP of Australia. At one of the events, I had the chance to sit with some financial planners and their clients. The question I posed was this: Which do you think has more brain power: 25 twenty-three olds (i.e., brand new […]

Where is James?

I wanted to write a quick note to let you know that I'm presently engaged in reviewing the typeset proofs for Futureproofing, which arrived last week. You have to go through every single page, and use all these funny little coded marks to tell the publisher what changes you want made. It is all very […]

Centre or Periphery Part 2

In a comment on my most recent post, where I suggested that banks are likely to be pushed out of the centre of the financial value chain, Colin Henderson writes: My own thinking on this is that banks, and we already see this to a certain extent, will evolve into two groups that I have roughly […]

Banking at the centre or the periphery

Picture this scene: I'm in a meeting where we're trying to work out the future of banking. Not just next year, or the year after, but in 20 years from now. This is an exercise, by the way, which is valuable for everyone to undertake. No-one expects to get their predictions right, but it crystallises […]

0.5% of your customer base will use twitter

Finally, someone has shown up with evidence that Twitter probably doesn't stack up for banks. Ron Shevlin, long absent from the blogosphere, describes the results of a quantitative survey his company has done on Twitter usage in credit unions. There's so real surprise- hardly anyone is interested in doing their banking via this new stunt. […]

Why you need and innovation team AND an NPD team

If you're anything at all like my bank, you have lots of little New Product Development teams scattered around in various business lines. Because of this, there is always the need to justify the exististance of the central innovation team as well. Why have two teams that, at least superficially, seem to be doing the […]

Yes, but how do you pay for it?

Last night, I was at a power networking event, and here was the question I was most asked: "Innovation – well we want it, but how do you pay for it?", Especially in a downturn, apparently. Broad consensus seemed to be that it was easy to afford innovation in the good times, but much, much […]

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