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Bank Innovation

FIRE™ Up Your Innovation Team

June 25, 2017 by JP Nicols

FIRE™ Up Your Innovation Team

  I’ve written before about the false promise of Innovation Theatre— getting caught up in activities that look like innovation, but don’t really add value. I wrote this for our blog at FinTech Forge (and soon we will tell you about its newer cousin The Fintech Petting Zoo). I have said that the antithesis of and […]

Filed Under: Bank Innovation, Leadership

What They Don’t Teach You at Banking School

May 31, 2017 by JP Nicols

The financial services industry has a long and important tradition of executive education. Up and coming managers are sent off to graduate banking programs to learn industry best practices developed over prior decades, and in some cases, centuries. These programs are well prepared to teach the evolving art and science of asset and liability management, credit underwriting, portfolio […]

Filed Under: Bank Innovation, Leadership, Strategy

Disruption is Already Here

April 28, 2017 by JP Nicols

Disruption is already here. It just isn’t widely distributed yet, as William Gibson famously said about the future. Most of the disruption that we have seen in financial services so far has been on the surface, at the Experience Level. Customer touchpoints are often just digital wrappers around the same-old, same-old. Especially most of those created […]

Filed Under: Bank Innovation, FinTech

Success is a Poor Teacher

March 1, 2017 by JP Nicols

Bill Gates has said “Success is a lousy teacher. It seduces smart people into thinking they can’t lose”. The sweet afterglow of success has a way of redefining as brilliant decisions all of the ways you got lucky, and glossing over a lot of little things that never were quite right along the way. It […]

Filed Under: Bank Innovation, FinTech, Leadership

No Silver Bullet

February 14, 2017 by JP Nicols

Managers have this bad habit of looking for a silver bullet. That magical holy grail that will make all of their problems go away quickly, and preferably painlessly. Those expensive consultants. That fancy new CRM system. This flashy acquisition. That confusing and demoralizing internal reorganization. Not the last one, this one. Many have this same unrealistic expectation about innovation. […]

Filed Under: Bank Innovation, Leadership

The Power of One Sigma

January 31, 2017 by JP Nicols

Six Sigma is a quality improvement program that gets its name from the concept of 99.9997% quality. In statistics, each sigma represents the statistical measure of 1 standard deviation from the mean in a range of outcomes in a normal distribution. Six sigma translates into no more than 3.4 defects per million opportunities. It is often related to (and sometimes conflated with) […]

Filed Under: Bank Innovation, FinTech, Leadership, Strategy

Beyond Innovation Theatre

January 17, 2017 by JP Nicols

Innovation is all about value creation. Or at least it should be. It’s easy to get caught up in the front end of the process. Brainstorming new ideas, drawing on whiteboards, and moving different colored sticky notes around the wall is fun. But all of that should be a means to an end. That end should be about […]

Filed Under: Bank Innovation, FinTech, Leadership

Integrated Loyalty: How Uber and Capital One Embedded Loyalty into the Customer Experience

November 22, 2016 by JP Nicols

This is the last of my special Invested in Tech series with Capital One, where I have been taking a look behind the scenes at how they are using technology, innovation, and design to create a better banking experience. In my last post I spoke to Naveed Anwar who runs Capital One’s developer community partnerships […]

Filed Under: Bank Innovation, FinTech, Strategy

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