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Peter Fisk brings together the best insights and ideas in financial services from around the world. What does it really take to innovate?
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How to become an innovation leader in financial services.
... ideas and opportunities, inspiration and process
Peter Fisk
www.theGeniusWorks.com
The best new ideas in banking
1
3: Innovative banking
1: Game changing 2: Seeing things differently
4: Leading innovation
CRISIS
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Two turbulent years ...uncertainty
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hope theGeniusWorks.com
IDEAS
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Volume
West
Big
FEW
Mass
Value
East
Small
MANY
Niche
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Here’s to tHe crazy ones ...
The misfits. The rebels.
The troublemakers.
The round pegs in the square holes.
The ones who see things differently.
They're not fond of rules.
And they have no respect for the status quo.
You can praise them, disagree with them,
quote them, disbelieve them,
glorify or vilify them.
About the only thing you can't do is
ignore them.
Because they change things.
“Times of turbulence are the most
exciting times ... because
everything changes”
theGeniusWorks.com
GEborn in a
recession
1876
HPborn in a
recession
1929
born in a
recession
1975
MTVborn in a
recession
1981
born in a
recession
2001
eBay
Microsoft
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Game changingtheGeniusWorks.com
Game changingtheGeniusWorks.com
Game changingtheGeniusWorks.com
Game changing
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Game changingtheGeniusWorks.com
Game changingtheGeniusWorks.com
Game changing
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E7 Nations
opportunity
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E7 Nations Women
Cities
BoomersGRIN
WaterHealthcare
EDUCATION
Rental
What is your opportunity?
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3: Innovative banking
1: Game changing 2: Seeing things differently
4: Leading innovation
Outside in
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Do you believe Tripadvisor or the brochure?
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Deep Diving
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Customers and non-customers
Customer energy
Advantages
Building relevance and preference
Essentials
Building awareness and trust
Energisers
Building affinity and loyalty
“Needs”
“Wants”
“Aspirations”
“Must Dos”
“Differentiators”
“Distinguishers”
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From shoes to “delivering happiness”
Changing context
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Doing everything on customers terms
Parallel Markets
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Adding more to the customer experience
Customer co-creation
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Responsible
RESOURCEFUL
human
PARTICIPATIVE
ESCAPIST
Considered Meaningful
Caring
EMPOWERED
CAPABLE
SELFLESS
WELLBEING
INDIVIDUAL
HAPPINESS
COLLABORATIVE
CONTRIBUTING
SHARING
INDULGENT
EXPRESSIVE
QUIRKY
What is your insight?
theGeniusWorks.com
3: Innovative banking
1: Game changing 2: Seeing things differently
4: Leading innovation
More than Money
Focus
Human
Collaborate
Simple
Enabling
5 big themes
Focus
on
premium
First direct
Focus
on
business
Bizner bank
Focus
on
children
cHildren’s Bank
Focus
on women
First women bank
Focus
on
boomers
Saga Bank
Focus
on
immigrants
Extra Banca
Focus
Human
Collaborate
Simple
Enabling
Human
and
sustainable
Human
and caring
Human
and caring
Standard chartered
Human
and
communal
Human
and
communal
Human
and
communal
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Human
and
about you
Umpqua bank
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Human
and
about you
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Human
and
about you
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Human
and
about you
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Human
and
about you
Focus
Human
Collaborate
Simple
Enabling
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Collaborate
to get a
better deal
Zopa
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Collaborate
to do more
together
WePAy
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Collaborate
to save
together
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Collaborate
to spend
together
Blippy
Focus
Human
Collaborate
Simple
Enabling
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Simple
and
connected
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Simple
and
transparent
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Simple
transaction
Simple
service
USAA Bank
Simple
technology
USAA Bank
Simple
anywhere
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Simple
anywhere
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Simple
on/offline
Kwedit
Focus
Human
Collaborate
Simple
Enabling
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Enabling
lifestyles
Jyske Bank
Enabling
wellbeing
Progressive
Enabling
dreams
TinyPay
Enabling
innovation
Hotel chocolat
Enabling
life
Grameen Bank
Focus
Human
Collaborate
Simple
Enabling
What is your idea?
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3: Innovative banking
1: Game changing 2: Seeing things differently
4: Leading innovation
More than a process
GE
theGeniusWorks.cominspiring people
Using process
excellence to satisfy
customers and drive
growth, measured for
example, through a
“net promoter score”
based on positive
recommendations
Creating new market
opportunities
throughout the world,
and expanding in
developing markets
such as Asia and
South America.
Developing world class sales and
marketing talent, and demonstrating the
value of “one GE”, with integrated
branding and selling
Having the best
products, content
and services,
developed for
example through
GE’s
“Ecomagination”
initiative
Inspiring and developing people who know
how to help customers and are willing and
able to work in the new GE ways.
Generating new ideas
and developing
capabilities to make
them a reality, for
example through
market-driven
opportunities and
imagination
breakthroughs.
Growth
leaders
Innovation
Technology
Commercial
excellence
Customers
Globalisation
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THREADLESStheGeniusWorks.com
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Open up + close down
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Creative fusions
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Concept to market
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Managing innovation
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APPLEtheGeniusWorks.com
iMAC 1999
JOBS/WOZNIAK 1976
$1bn by 1980
1985-1996
Jobs & JELLYBEANS
Online/retail
DIGITAL HUB
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Innovation
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Iphone 2007
ipod 2001
$8bn
Itunes 2003
10bn
Ipad 2010
$13bn
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BEYOND PROCESS
MOBILE DEVICE CO.
JOBS + IVE
BEAUTIFUL OBJECTS
SAYING NO
Bold Experiments
platforms
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Focus on the feel
don’t sell products
Never first
Early adopters
Magic words
Keep moving
Packaging
What will you make it happen?
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Leaders v Managers
Inspirational
Visionary
Strategic
Facilitators
Corporate
Right brain
Decision-makers
Focused
Tactical
Coordinators
Hierarchical
Left brain
Managers
Leaders
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Innovation leaders
The Catalyst
The Communicator
The Connector
The Conscience
The Coach
Driving change and innovation
Inspiring people to come with you
Facilitating better solutions
Doing the right thing
Getting the most our of people
The 5C Leader
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iPad
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ideas.factory design.studio impact.zone
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Where
Why
I Us
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PeterRichard
Here’s to tHe crazy ones ...
The misfits. The rebels.
The troublemakers.
The round pegs in the square holes.
The ones who see things differently.
They're not fond of rules.
And they have no respect for the status quo.
You can praise them, disagree with them,
quote them, disbelieve them,
glorify or vilify them.
About the only thing you can't do is
ignore them.
Because they change things.
They invent. They imagine. They heal.
They explore. They create. They inspire.
They push the human race forward.
Maybe they have to be crazy.
How else can you stare at an empty canvas
and see a work of art?
Or sit in silence and hear a song that's never been written?
Or gaze at a red planet and see a laboratory on wheels?
While some see them as the crazy ones,
we see genius.
Because the people who are crazy enough to think
they can change the world,
are the ones who do.
www.theGeniusWorks.com
Peter Fisk
Bestselling author
Inspirational speaker
Brand and innovation facilitator
Website: www.theGeniusWorks.com
Consulting: www.innoLab.co.uk
New book: www.CreativeGeniusLive.com
