Experiences, Not Products

“We don’t invent new products, but make experiences better,” said Ralph Hamers, CEO of ING Group, the Dutch bank. “We differentiate ourselves on how...

Transactions + People = Services

The precedent for Goldman Sachs’ recent move into retail banking (GS Bank) was set in 2008 by Alberto Nagel, CEO of Italy’s Mediobanca, who not only...

Keep It Simple

“Complexity is our enemy,” said Rune Garborg, Executive Vice President at DNB. It’s an intriguing way to characterize an innovation challenge. Norway’s largest and oldest private...

A Market That Acts Like A Tech OEM

“Our proprietary options products are established and trusted in our industry. If you think of them as core technologies, we can adapt them for...

Can Banking Be Joyful?

“When one of our guys came up with the idea that our purpose should be to make banking joyful, I nearly threw him out...

Business Customers Are Consumers, Too

Commonwealth Bank of Australia (“CommBank”) is that country’s largest consumer bank, and has built its leadership, in part, on technology innovation. Those skills and...

Insuring Against The New Normal

Without wading into the public debate over global climate change, Munich Reinsurance America is quietly innovating both how and what it brings to the...

The Alchemy Of Digital And Geophysical Experience

Much of the promise of tech innovation is predicated on people, laws and communities either changing on a dime or simply getting out of...

The Prompt Of Rule Changes

Tectonic changes in regulation and society have transformed the UK’s once stodgy pension and savings industry, creating vast new numbers of customers, giving current...