Innovation & Institutions, Will it Blend?
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Innovation & Institutions, Will it Blend?
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Scaling Up in the UK: Zapp App Enables Millions of Shoppers to Pay by SmartPhone

Scaling Up in the UK:  Zapp App Enables Millions of Shoppers to Pay by SmartPhone | Innovation & Institutions, Will it Blend? | Scoop.it

Millions of consumers will be able to use a smartphone app to pay for purchases this year in the latest shift away from cash and card payments.

 

Known as Zapp, the app is due to launch in the autumn and will be available to 18 million UK current account holders with HSBC, First Direct, Nationwide, Santander and Metro Bank.

 

The mobile payment system will only work for online purchases initially, but Peter Keenan, chief executive of Zapp, said he expects it to be enabled for at least one in five store payments from late 2015, meaning that consumers can "leave their wallets at home".


From another article about smartphone app payments in the US from The Verge:

There are two primary means of paying with your phone at a brick-and-mortar store: scan to pay using a QR code, and tap to pay using Near-Field Communication, or NFC. As the market battle rages over which pay-by-phone technology will win out, LevelUp has decided to hedge its bets with a new piece of hardware that supports both.  

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Via JWT_WOW, 15marches
Deb Nystrom, REVELN's insight:

Mobile is getting even bigger, scaling up in the UK.  As for leaving your wallet at home?  Eventually.  Google Wallet and Square, and now LevelUp are 3 apps in the USA for paying by smartphone.  They are in limited use.  The UK will be a new test of scaling BIG for smartphone app payments.  ~ Deb


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Zappos says Goodbye to Bosses & Bureaucracy - Hello to Holacracy

Zappos says Goodbye to Bosses & Bureaucracy - Hello to Holacracy | Innovation & Institutions, Will it Blend? | Scoop.it

The famed, unique Las Vegas-based shoe retailer...will eliminate traditional managers, do away with the typical corporate hierarchy and get rid of job titles, at least internally.

__________________
 
....bureaucracy ...was getting in the way of adaptability.”

    

__________________


The unusual approach is called a “holacracy,” replacing the traditional corporate chain of command with a series of overlapping, self-governing “circles.” In theory, this gives employees more of a voice in the way the company is run.


According to Zappos executives, the move is an effort to keep the 1,500-person company from becoming too rigid, too unwieldy and too bureaucratic as it grows.


“As we scaled, we noticed that the bureaucracy we were all used to was getting in the way of adaptability,” says Zappos’s John Bunch, who is helping lead the transition to the new structure.


Holacracy ...has a couple of high-profile devotees — Twitter cofounder Evan Williams uses it at his new company, Medium, and time management guru David Allen uses it run his firm — but Zappos is by far the largest company to adopt the idea.]


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Deb Nystrom, REVELN's insight:

I'm intrigued to see this second emergence of holacracy.  Do we have an agile organizational structure developing here?

I'm sensing the far edge of a trend here, especially after facilitating Open Space events (self-led interest topics on a theme) in the last couple of years,.  I've mostly used them in a professional learning context, although three client organizations have used this organic, adaptible format for planning & strategy.  


In my view. it seems that these leaders are shifting perspective, letting go of some of the trappings of the 90's, to embrance more adaptive structures that can help fuel innovation.  ~  Deb

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Deb Nystrom, REVELN's curator insight, January 6, 2014 8:44 PM

Adaptive communication.  It's time for something far beyond Fredrick Taylor's scientific management 1920's style bureacraciy.  I'm sensing this is the calm before the storm of change to move beyond traditional management structures.  There will be more holacracies and their kin to come.  ~  D

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Innovation Smarts via 8 Myths about Wearable Tech

Innovation Smarts via 8 Myths about Wearable Tech | Innovation & Institutions, Will it Blend? | Scoop.it

Wearable devices are predominantly technical fascinations at the moment, but they have widespread market potential -- if misconceptions can be set straight. Read this article by Thomas Stuermer on CNET News.

Deb Nystrom, REVELN's insight:

I could have also retitled this, "Why I didn't go all frothy over my Google Glass invite."   There's a good number of helpful points that can provide perspective on any new "shiny toy" trend coming our way, useful for thinking through true innovation.  ~  D

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Artificial Intelligence masters + Delivery Drones + the Best PR stunt ever? Amazon Scoop

Artificial Intelligence masters + Delivery Drones + the Best PR stunt ever? Amazon Scoop | Innovation & Institutions, Will it Blend? | Scoop.it
The news that Amazon would deliver by drones generated widespread buzz that spilled over into Cyber Monday, the busiest online shopping day of the year.


Typically, tech executives do not talk about specific product releases that are more than a couple quarters away since doing so gives competitors a chance to catch up, MRY's Britton added — further evidence that Bezos might have had more up his sleeve than merely wanting to announce a new product.


Still, ...the real competitors probably have enough intelligence to know about the program already.


...Bezos said the drones could be in operation in as little as four to five years...[However,]   "The technology is there, but the challenge is the safety side," ...the retailer would need to obtain Federal Aviation Administration permission to fly the drones to customers.

Deb Nystrom, REVELN's insight:

Apart from the brilliant timing, this is a cool concept.  The post includes a video of the delivery drone in action.  ~  D

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The Higher Ed Bubble: Disrupters Could Help Pop It

The Higher Ed Bubble: Disrupters Could Help Pop It | Innovation & Institutions, Will it Blend? | Scoop.it
Pioneering online upstarts are trying to transform higher education with things like programs intended to make college more affordable and those that dispense with the credit hour and classroom time with a professor in favor of self-paced online...

Via Society for College and University Planning (SCUP)
Deb Nystrom, REVELN's insight:

Disruptive new models have parents as well as prospective students looking and reconsidering.   More bloggers are writing  about the problems with large education debt (bankrupcy exempt.)  Economic cycles threaten to turn higher education into high priced vocational schools.


~  Deb

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Society for College and University Planning (SCUP)'s curator insight, November 12, 2013 10:20 AM

Anya Kamenetz writes about these pioneering programs in Education Life, The Times’s quarterly magazine about higher education. It’s part of a package of articles that highlight online experiments, including UniversityNowMinerva and University of the People – intended to make college more affordable as well as more convenient by tapping into web-based technology.

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3 Creativity Challenges: 30 Circles & Mind, Empathy Maps | HBR Blogs

3 Creativity Challenges: 30 Circles & Mind, Empathy Maps | HBR Blogs | Innovation & Institutions, Will it Blend? | Scoop.it
Innovation requires practice.


Mindmaps are a powerful way to overcome fear of the blank page, look for patterns, explore a subject, come up with truly innovative ideas, record their evolution so you can trace back in search of new insights, and communicate your thought processes to others.

While lists help you capture the thoughts you already have, mindmaps help to generate wildly new ones. 

[The] 30 Circles exercise is a great warm-up and also highlights the balance between fluency (the speed and quantity of ideas) and flexibility (how different or divergent they are). 

Deb Nystrom, REVELN's insight:

I've heard, and experienced from time to time, that innovation and creativity is something that is not expected or even welcomed in jobs. 

In a previous Scooped post (reposted next to this one), research on creativity indicates...coworkers.... don't even know what a creative idea looks like and that creativity, hailed as a positive change agent, actually makes people squirm.


So, yes, exercises, tools like this matter, maybe a lot.  ~  D

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U-M Human Resource Development's curator insight, November 8, 2013 11:39 AM

Thanks for sharing this Deb! Yes, I agree. Sometimes innovation and creativity seems to "frighten" some people/jobs. Once we all get over the "stagefright" the sooner we can all start growing!

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The Innovation List: The 50 Greatest Breakthroughs Since the Wheel

The Innovation List:  The 50 Greatest Breakthroughs Since the Wheel | Innovation & Institutions, Will it Blend? | Scoop.it
Why did it take so long to invent the wheelbarrow? Have we hit peak innovation? What our list reveals about imagination, optimism, and the nature of progress.


...

The List

The Atlantic asked a dozen scientists, historians, and technologists to rank the top innovations since the wheel. 

The clearest example of consensus was the first item on the final compilation, the printing press. Ten of the 12 people who submitted rankings had it at or near the top. To draw another parallel to our Influential Americans survey, the printing press was the counterpart to Abraham Lincoln as the clear consensus for the top choice. 


Innovations that expand the human intellect and its creative, expressive, and even moral possibilities. This group includes the printing press (1) and also  paper, (6) and now of course the Internet, (9) the personal computer, (16) and the underlying technology for the modern data age, semiconductorelectronics (4), plus photography (29). 


Innovations that enabled the Industrial Revolution and its successive waves of expanded material output. These include the steam engine (10), industrial steelmaking (19), and the refining and drilling of oil (35 and 39, respectively). 



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Deb Nystrom, REVELN's insight:

I agree with the author:  developing a list like this conveys a sense of identity of where we've been and where we are.  

Does it imply where we are going next with innovation?    ~  Deb

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99 Quotes on The Future of Innovation

http://blogs.sap.com/innovation/ - Business Innovation is the key ingredient for growth.



Related post by Deb:
    

Beyond Resilience: Givers, Takers, Matchers and Anti-Fragile Systems

    

Choices for High Performance Teams, Groups and Psuedo-Teams: Achievement Is How You Say It!
Deb Nystrom, REVELN's insight:

From SAP, useful nuggets to consider trends and change, business design change.  ~  Deb

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David Hain's curator insight, October 19, 2013 2:52 AM

Some fascinating facts on the world we live in now and how it is predicted to change.

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People are Biased against Creative Ideas, Research Studies Find

People are Biased against Creative Ideas, Research Studies Find | Innovation & Institutions, Will it Blend? | Scoop.it

The next time your great idea at work elicits silence or eye rolls, you might just pity those co-workers.

______________________________
    
"How is it that people say they want creativity but in reality often reject it?"
 

- Jack Goncalo, ILR School assistant professor of organizational behavior 

___________________________________

        

Fresh research (at the time - this is a post from 2011) indicates they don't even know what a creative idea looks like and that creativity, hailed as a positive change agent, actually makes people squirm.

    

"How is it that people say they want creativity but in reality often reject it?" said Jack Goncalo, ILR School assistant professor of organizational behavior and co-author of research to be published in an upcoming issue of the journal Psychological Science.

   

The paper reports on two 2010 experiments at the University of Pennsylvania involving more than 200 people.

     

The studies' findings include:

  • Creative ideas are by definition novel, and novelty can trigger feelings of uncertainty that make most people uncomfortable.
  • People dismiss creative ideas in favor of ideas that are purely practical -- tried and true.
  • Objective evidence shoring up the validity of a creative proposal does not motivate people to accept it.
  • Anti-creativity bias is so subtle that people are unaware of it, which can interfere with their ability to recognize a creative idea.



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    Deb Nystrom, REVELN's insight:

    My original post on this topic migrated away with the shut-down of Posterous as of April 2013.   This is still important research to remember in 2013 >   Creativity can be hard to live with, work with, yet absolutely essential to assist change and innovation.


    "Don't think. Thinking is the enemy of creativity. It's self-conscious, and anything self-conscious is lousy. You can't try to do things. You simply must do things."  ~  Ray Bradbury

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    Transparency: A Better Way to Encourage Price Shopping for Health Care

    Transparency:  A Better Way to Encourage Price Shopping for Health Care | Innovation & Institutions, Will it Blend? | Scoop.it
    Doctors can become bargain hunters for their patients


    The big-data initiative of the Department of Health and Human Services and widespread adoption of electronic health records will unleash a new wave of information on health care delivery, a necessary component of the better quality measurement that is needed to support value-based decisions. 

    Moving forward, policy should encourage such price shopping by providers and patients by facilitating the dissemination of information on price and quality and by strengthening antitrust enforcement to deter collusion or price fixing by providers.

    Deb Nystrom, REVELN's insight:

    Anything that takes the black box of health care price and quality and brings it forward into the light of day, and choice, seems very worthy of our time and support.  ~  D

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    10 Great Social Innovation Reads ~ Month by Month

    10 Great Social Innovation Reads ~ Month by Month | Innovation & Institutions, Will it Blend? | Scoop.it

    A helpful, annotated list of Great Social Innovation reads including this gem, ...Peter Buffett, son of Warren ...wrote a pretty scathing rant against today’s philanthropy, calling it “conscience laundering — feeling better about accumulating more than any one person could possibly need to live on by sprinkling a little around as an act of charity.”


    More excerpts from Neil's July 2013 list (the post includes lists from previous months):


    Dan Cardinali, CEO of Communities in Schools and an emerging voice on the importance of measuring nonprofit outcomes, wrote a third piece in his series on redefining the nonprofit sector.


    Bill Shore of Share Our Strength, offers the provocative “We Just Don’t Have the Money, and Other Fibs We Tell Ourselves“.


    Antony Bugg-Levine from the Nonprofit Finance Fund provides ... “Navigating Tough Trade-offs in the Era of Scarcity.”


    From Social Velocity

    Deb Nystrom, REVELN's insight:

    Just reading these annotated book lists for social innovation is provocative and attractive to creativity an considerations in social innovation, including the "scathing rant" by Warren Buffett's son Peter mentioning “conscience laundering" and "sprinkling a little [wealth] around as an act of charity.”

    ~  Deb 

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    Pay For Performance: Innovation Killer? - Talent Management magazine

    Pay For Performance: Innovation Killer? - Talent Management magazine | Innovation & Institutions, Will it Blend? | Scoop.it
    Talent Management magazine, The Business of Talent Management


    Pay for performance is effective for employees in operational roles, such as a painter painting houses or a salesman hitting quotas. But when it comes to employees responsible for finding creative solutions to problems, the model is ineffective, said Gustavo Manso, co-author of a 2012 study published in the July issue of Management Science.


    ...a straight pay-for-performance model does not have a tolerance for early failure, a component essential to innovation, said Manso, an associate professor of finance at the University of California at Berkeley.


    Innovation is a “trial and error process,” Manso said. “You have to try things that you don’t know if they’re going to work.”


    Deb Nystrom, REVELN's insight:

    There are also cultural components to tolerance for failure.  


    Also, performance and pay are linked in many, though not all performance systems.  It is how they are linked, (soft link, dotted line, one factor among others, or direct links / primary factor) that sends a message that affects extrinsic and instrinsic  (Alfie Kohn, cited), and churn (stay or go) in organizations. ~  D

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    Deb Nystrom, REVELN's curator insight, July 25, 2013 1:19 PM

    I scooped this originally to "Innovations & Institutions:  Will it Blend?" and am sharing it here due to the Pay and Performance theme. ~  Deb

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    Why Steve Jobs Never Listened to His Customers - Sheltered Innovation and Crowdsourcing

    Why Steve Jobs Never Listened to His Customers  - Sheltered Innovation and Crowdsourcing | Innovation & Institutions, Will it Blend? | Scoop.it

    Does innovation require listening to your customers? Or is to better to ignore them?  "It's really hard to design products by focus groups. A lot of times, people don't know what they want until you show it to them."— Steve Jobs    Also:  What worked for Steve Jobs may not work for your company.

        

    The Benefits of Sheltered Innovation


    Multiple studies have shown that individuals have a tendency to produce the most novel ideas when working alone (as opposed to crowdsourcing ideas from an external group).


    • But can this focus on the internal creativity of teams really have a place in the business world?

    • Should customers be ignored?


    According to Mario D’Amico, senior VP of marketing at Cirque du Soleil, the answer is, well, maybe.


    ...was Jobs right or not?

    Many respected entrepreneurs would say that yes, he was right ... but only for theextremely unconventional and circumstantial situation that his company was in.


    ...understanding your customers’ wants is a pivotal part of growing your business—but doesn’t have to restrict your innovation.


    Read more:   https://www.helpscout.net/blog/why-steve-jobs-never-listened-to-his-customers/


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    Deb Nystrom, REVELN's insight:

    The Wisdom of Crowds has individual and collective component, when you dig down deep.  The JCPenney example cited in this story is also a good cautionary tale.  ~  D

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    Remote Control for Daily Living: Google's Nest Deal & Mobile

    Remote Control for Daily Living: Google's Nest Deal & Mobile | Innovation & Institutions, Will it Blend? | Scoop.it

    Google’s proposed acquisition of Nest Labs for $3.2 billion is reflective of how the definition of mobile is changing ...[to include] wearables, connected cars, smart appliances and other hardware 


    _____________
       

    ...the mobile phone ...a..remote control for everyday life...

       

    _____________

     

    The deal is the latest move by Google to extend its mobile business with an eye toward making smartphones and tablets the [the means] to connect with other devices throughout their day.

       

    “Google's acquisition of Nest makes the mobile phone a consumer's remote control for everyday life,” said Andrea Wilson, Fort Worth, TX-based vice president, strategy director and luxury practice lead at iProspect.


    .....Android is already the most widely used mobile operating system in the world. A recent report from Gartner found that Android accounted for nearly 82 percent of all smartphone sales during the third quarter of 2013.

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    Deb Nystrom, REVELN's insight:
    Ken Burbary writes up a helpful piece on where Google is headed.

    Having recently switched to a Droid Samsung S4 for its amazing voice recognition and texting enhancements, while remaining a die-hard Apple fan, suggests that Ken is onto the key intention of Google to be a part of our everyday lives.  Google Glass anyone?
    Examples:
    • I love the Gee Whiz of my factor of my phone, to run Roku or Aero off my TV, especially when the Roku remote WAS NOT working.
       
    • Taking photos of checks for deposit is pretty cool.  Yes, any phone can do this, but hey, the key fact is we ARE doing it - adult kids and parents in the house.
        
    • Boomers are helping each other learn their phones, perhaps on those bus rides to Stratford (Shakespeare plays.)
       
    • Sorry Siri, but Google voice on a Droid can set my alarm clock just as easily, and has amazing voice recognition accuracy.
          
    If you've used your phone with smart appliances, a smart furnance / AC or such, tell us how it is working.    Best, ~  Deb
     
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    Google Acquires Seven Robot Companies, Wants to Play a Big Role in Robotics

    Google Acquires Seven Robot Companies, Wants to Play a Big Role in Robotics | Innovation & Institutions, Will it Blend? | Scoop.it

    A few months ago, Andy Rubin, the engineer who spearheaded the development of Android at Google, initiated a new robotics effort at the company. Rubin, who is personally interested in robots, now wants Google to have a major role in making new kinds of robotics happen. Not just robotic cars, but actual real robots.


    Via the New York Times, Google is funding a major new robotics group, and that includes acquiring a bunch of robotics startups:


    • Among the companies are Schaft, a small team of Japanese roboticists who recently left Tokyo University to develop a humanoid robot, and Industrial Perception, a start-up here that has developed computer vision systems and robot arms for loading and unloading trucks. 
         
    • Also acquired were Meka and Redwood Robotics, makers of humanoid robots and robot arms in San Francisco, and Bot & Dolly, a maker of robotic camera systems that were recently used to create special effects in the movie “Gravity.” 
         
    • A related firm, Autofuss, which focuses on advertising and design, and Holomni, a small design firm that makes high-tech wheels, were acquired as well.



    The seven companies are capable of creating technologies needed to build a mobile, dexterous robot. Mr. Rubin said he was pursuing additional acquisitions.



    Highlights:


         
    • Industrial Perception spun out of Willow Garage back in March of 2012; read our Startup Spotlight post on them here.
         
    • Meka Robotics builds research robots with series elastic actuators in them; they're probably best known for the M1 humanoid (pictured above in front of the Google logo) and Dreamer, which you can read about here.
        
         
    • And of course, there's Bot & Dolly, which uses robot arms for precise and repeatable camera control, making things way more awesome than "precise and repeatable camera control" probably makes you think of.


    ...we're curious about what other acquisitions Rubin is pursuing, and ....what Google is actually working on. 


    Via Dr. Stefan Gruenwald
    Deb Nystrom, REVELN's insight:

    It's too soon to think Terminator, Matrix, and "I, Robot" - but not too soon to see a trend developing to make robots a reality in our daily lives, beyond that of manufacturing. ~  D 

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    Antonio Marcos Alberti's curator insight, December 12, 2013 3:02 PM

    A guess: probably, they are looking for hardware to implement the embodiment of their AI solutions - mainly being designed by Kurzweil. 

    Laura E. Mirian, PhD's curator insight, December 12, 2013 11:44 PM

    THE SINGULARITY IS GETTING CLOSER AND CLOSER

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    27 Ways to Inspire Students to Innovate

    27 Ways to Inspire Students to Innovate | Innovation & Institutions, Will it Blend? | Scoop.it
    Educator Mia MacMeekin made this infographic about ways to inspire students to think more deeply about how innovation applies to them.


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    Via Rob Hatfield, M.Ed.
    Deb Nystrom, REVELN's insight:

    After taking a look at this catchy infographic, what does innovation mean to you?  ~  D

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    Rob Hatfield, M.Ed.'s curator insight, November 29, 2013 7:36 PM

    Creative activities that can allow the students to develop innovative thinking.

    Richard Platt's curator insight, December 8, 2013 11:40 PM

    (from the Curator of IoT & Wearables): We've stayed away from many academic's re: how to enable students to be better at problem solving and innovating, (because most academics think they already know what innovation and complex problem solving is all about and well not to put too fine a point on it they just don't),  

     

    We do take issue wtih the status quo of academia.  Obviously we have strongly held views on engineering education and problem solving / innovaiton, but they are warranted and justified.

     

    We see most academic work in the area of innovating, problem solving / problem finding and more specifically in complex problem solving in the domain of engineering  to be broken., biased and prejudicial  

     

    Nonetheless we do give credit in this post by Mia MacMeekin as it is a move in the right direction, we just don't see it going far enough to make problem solving and problem finding cool or effective enough for students to really be able to do anything significant with when it comes time for them to contribute.  Sorry we call it as we see it..  

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    Google Reveals Its 9 Principles of Innovation

    Google Reveals Its 9 Principles of Innovation | Innovation & Institutions, Will it Blend? | Scoop.it

    What makes Google the holy grail of productivity and creativity? Take a look at their nine core principles of innovation.  


    Excerpts:


    1. INNOVATION COMES FROM ANYWHERE

    ...top down as well as bottom up, and in the places you least expect.


    ...a medical doctor on Google’s staff argued persuasively that Google had a moral obligation to extend help to those typing searches under the phrase "how to commit suicide." He ignited the charge to adjust the search engine's response so that the top of the screen reveals the toll free phone number for the National Suicide Prevention Hotline. The call volume went up by nine percent soon thereafter. The same change has been adopted in many other countries.


    3. AIM TO BE TEN TIMES BETTER

    ..aim...to improve things by ten percent, you will only see incremental change. ...think 10 times improvement, and that will force you to think outside the box.


    ...n 2004, Google started its Google Books project and set forth a challenge to organize all the world's information and digitize all the books ever printed in history.


    ...Google has now scanned 30 million of the 130 million books they first set out to scan, and dozens of libraries around the world are participating in the project.


    4. BET ON TECHNICAL INSIGHTS

    Every organization has unique insights, and if you bet on it, it leads to major innovation. Google engineers, not the auto industry, came up with the idea of driverless cars after seeing that millions of traffic deaths come from human error.


    The others?

    2. FOCUS ON THE USER.


    5. SHIP AND ITERATE


    6. GIVE EMPLOYEES 20 PERCENT TIME


    7. DEFAULT TO OPEN PROCESSES


    8. FAIL WELL


    9. HAVE A MISSION THAT MATTERS



    Related posts by Deb:

         

    Messing up a Change Implementation with Someone Else’s Learning Culture?

           

    3 Success Factors for High Performance Teams, and What Gets In the Way


               

    A Two Step, Two Video Dance towards Loose – Tight Change & Innovation Leadership

    Deb Nystrom, REVELN's insight:

    This inspiring list can stimulate great discussions at all levels for what YOU want in your own culture, mission and vision and management practices.

    One caution to note, culture change is not for amateurs.   Take a look at the article references I've listed above for some of the reasons why.

    ~  Deb 

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    Deb Nystrom, REVELN's curator insight, November 20, 2013 11:00 AM

    From our Innovation & Institutions, Will it Blend?  curation news:  This list can inspire useful discussions at all levels for what YOU want in your own culture, mission and vision and management practices.

    One caution, having a meeting on such a topic or deciding to change culture is not for amateurs.   Take a look at the article references I've listed above for some of the reasons why.

    ~  Deb 

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    The Role of Attention for Creativity

    The Role of Attention for Creativity | Innovation & Institutions, Will it Blend? | Scoop.it
    The relationship between attention and innovation is complex. As we know, managing your attention well falls within the EI domains of self-awareness and self-regulation.


    But to better understand how attention plays a role in innovation, ....look at the stages of creativity.


    __________________________
        
    If you look at the entire creative cycle, from recognizing the challenge to launching, it draws on every EI domain.

        

    __________________________


    First, ....there is a creative challenge. The research on innovation in business shows there are two approaches: exploitation and exploration.

     

    Leaders need to know when to explore, when to exploit – and how. And that starts with the simple awareness of what you are doing.


    Then there’s taking on a creative challenge. Highly creative people immerse themselves in everything they can learn about that challenge – and range far more widely than most others. That’s because a creative insight means putting together original elements in a fresh, useful way – and you never know where those pieces will come from.


    But once you have the creative insight, you need to put it to use, to make it real.


    If you look at the entire creative cycle, from recognizing the challenge to launching, it draws on every EI domain.


    Via Dr. Susan Bainbridge
    Deb Nystrom, REVELN's insight:

    Creativity is a part of what is important to innovation.  This is a helpful framing of what it takes to focus, both divergent and convergent styles of thinking. ~ D

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    A Credit Card Regulation That Worked for Consumers & Banks Too

    A Credit Card Regulation That Worked for Consumers & Banks Too | Innovation & Institutions, Will it Blend? | Scoop.it

    "Economists found that the Card Act, passed in 2009, saved consumers billions of dollars by cutting through a tangle of credit card fees.  ...and more."


    Congress decided to force down the hidden fees that credit card companies collect from their customers. It passed a law called the 2009 Credit Card Accountability Responsibility and Disclosure Act   ...It's a clear case of regulation that worked. 


    ____________________________

    ...the new law saved customers an annualized 2.8 percent of the average daily balance on cards - [$20.8 billion ...

    ____________________________



    ..the authors of the new study access to information on more than 150 million credit card accounts. They found that on average, the new law saved customers an annualized 2.8 percent of the average daily balance on cards - [a] $20.8 billion estimate.


    …a surprising discovery made in the new paper: Subprime credit card holders do default more often than others, but the interest and fees they paid made them far more profitable for the banks than any other groups of credit card holders, even during the financial crisis.



    “This was probably the worst period in modern history to be a lender...when banks were hemorrhaging money on subprime loans, subprime credit cards were a major source of profits.” With profits that high, banks could still do well even with lower fees.


    Deb Nystrom, REVELN's insight:

    Some good news:  a case study where the researchers, having low expectations that the legislation would tamp down the tendency of banks to find loopholes and raise consumer rates.  Actually, it worked, and benefitted the banks as well.   


    It's cool when that type of innovation happens through, of all things, a regulation.   ~  D

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    Why We Must Invest In Millennials To Survive ~ What They Want in a Career

    Why We Must Invest In Millennials To Survive ~ What They Want in a Career | Innovation & Institutions, Will it Blend? | Scoop.it

    "Find out why understanding the Millennial generation is important, if not crucial to a business' survival."


    No single trend has a greater impact on business, government or the role of technology in the world than the emerging millennial workforce. ...[They are the]...  largest purchasing class in the world.


    Excerpted:


    • They are the first generation born into the mobile device. According to a survey, millennials would rather give up driving than their smartphone or laptop.
    • They are driven by purpose, rather than professional recognition.....they care more about making a positive difference than workplace recognition.
    • They ...they want a meaningful career....not old school companies.
    ______________________________
           
    ....millennial consumers don’t buy products, they buy experiences and they want easy access
           
    ______________________________
          

    In his keynote, Bill McDermott said, “Millennials are disruptive and creative...They will define the future of work into an environment that is highly digitized, mobile, social and of course, sustainable  ... “dematerializing and demonetizing at a breathtaking pace,” impacting markets in a disruptive way.

        

    ....millennial consumers don’t buy products, they buy experiences and they want easy access to these experiences.

        

    ...almost every mobile device maker is now trying to capitalize on the next biggest idea – wearable technology.


    Related posts by Deb:
         

    3 Success Factors for High Performance Teams, and What Gets In the Way (includes interview with a Millennial)

           

    3 Things That Cause Ethical Breakdowns in Workplace Culture: Timing a Reminder is Everything     

    Deb Nystrom, REVELN's insight:

    Juicy nuggets of trend watching on this generational keynote useful for innovation forecasting from SAP's business innovation blog.  

    Do you agree with the characteristics listed for Millennials, dematerializing and demonetizing? ~  Deb

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    Deb Nystrom, REVELN's curator insight, November 4, 2013 8:20 PM

    Rescooped from my Innovation and Institutions curation stream.  Do you agree with the characteristics listed for Millennials, dematerializing and demonetizing and the statement of their huge impact as the "largest purchasing class in the world? " ~  Deb

    Deb Nystrom, REVELN's curator insight, November 18, 2013 1:07 PM

    Do you agree with the characteristics listed for Millennials, dematerializing and demonetizing and the statement of their huge impact as the "largest purchasing class in the world? "


    From Careers & Self-Aware Strength which also features recent articles on creativity and the End of Jobs.    ~  Deb

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    Why Large Companies Struggle With Business Model Innovation

    Why Large Companies Struggle With Business Model Innovation | Innovation & Institutions, Will it Blend? | Scoop.it
    Research shows three common problems.(Why Large Companies Struggle With Business Model Innovation - @HarvardBiz http://t.co/muMnHS2exB #bizmodel #innovation)...
    Deb Nystrom, REVELN's insight:

    As this curation stream says, Innovation and Institutions, Will it Blend?  Questions about that from the folks at  Harvard.  ~  Deb

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    From Industrial Age to the Internet, Big Data Age - Making the Change, Innovation

    From Industrial Age to the Internet, Big Data Age - Making the Change, Innovation | Innovation & Institutions, Will it Blend? | Scoop.it

    Over the last 200 years, the world has experienced several waves of innovation, which successful companies learned to navigate. The Industrial Revolution brought machines and factories that powered economies of scale and scope, making a profound impact on society and the culture of the world. With the Internet Revolution we have seen the rise of computing power, information sharing and data networks, fundamentally changing the way we connect (on whatever device).


    Via jean lievens
    Deb Nystrom, REVELN's insight:

    We still have many Industrial Age mindsets to overcome in business.  This piece helps us look at how we can and are adapting.  ~ D

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    Is it a "Disruptive" Innovation? 6 Types of Blended Learning #Infographic

    Is it a "Disruptive" Innovation?  6 Types of Blended Learning #Infographic | Innovation & Institutions, Will it Blend? | Scoop.it

    Is Blended Learning Disruptive?  Prediction:  By 2014, 50% of all post-secondary learners will take a class online.



    "Blended Learning ...is a natural by-product of the digital domain creeping into physical boundaries. ...it was only a matter of time before learning became “blended” by necessity.


    That said, there’s a bit more to Blended and “Hybrid” Learning than throwing in a little digital learning." ~ Terry Heick


    6 Types of Blended Learning

    1. Face-to-face Driver
    2. Rotation
    3. Flex
    4. Online Lab
    5. Self-Blend
    6. Online Driver

     


    Via Karine Thonnard, Francois BOCQUET, michel verstrepen, Deb Nystrom, REVELN
    Deb Nystrom, REVELN's insight:

    Innovation or not, it has great implications for corporate learning (which suffers greatly using SMEs who are not gifted teachers)  as well as what's happening in higher education ~ See the MOOC implication for corporations in Agile Learning, my other curation stream.  ~  Deb

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    Deb Nystrom, REVELN's curator insight, November 7, 2013 11:20 AM

    This has been cross posted in Innovation and in the Agile Learning curation stream, with over 250 comments.  It has garnered quite the attention this past month!  


    ~  Deb

    Willem Kuypers's curator insight, April 2, 2015 6:07 AM

    Intéressant de voir des initiatives l'un à côté de l'autre. Un bon résumé de quelques possibilités.

    Ajo Monzó's curator insight, April 3, 2015 5:48 AM

    Thanks!

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    61 Online and Social Media Resources for Motivating People to Create

    61 Online and Social Media Resources for Motivating People to Create | Innovation & Institutions, Will it Blend? | Scoop.it

    Mike Brown looks at the Adobe “State of Create Study” [which] polled 5,000 people across the US, UK, Germany, France, and Japan regarding their perspectives on creativity across multiple dimensions of society.

       

    The last slide >> “Social media plays a minor role, if any, in motivating people to create.” Across the global study, only 11% of respondents said social media plays a “great deal” of a role in their creative motivation.

        

    "Huh?

       

    "If that’s the case, people around the globe are really missing out on the incredible new opportunities for creative motivation presented by online and social media resources. 


    Via Jim Lerman
    Deb Nystrom, REVELN's insight:

    Creativity, and then, innovation  ~  D

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    For J.C. Penney, a Tough Lesson in Listening, to Whom and Shopper Psychology

    For J.C. Penney, a Tough Lesson in Listening, to Whom and Shopper Psychology | Innovation & Institutions, Will it Blend? | Scoop.it
    Because of the quirks of human psychology, simplifying pricing isn’t so simple. J.C. Penney learned that lesson the hard way.


    ...consumers are conditioned to wait for deals and sales, partly because they do not have a good sense of how much an item should be worth to them and need cues to figure that out.


    Just having a generically fair or low price, as Penney did, said Alexander Chernev, a marketing professor at the Kellogg School of Management at Northwestern University, assumes that consumers have some context for how much items should cost. But they don’t.




    Via Anita
    Deb Nystrom, REVELN's insight:

    Connected to the last post regarding when and how to listen to customers, along with innovation.  ~  Deb

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    Anita's curator insight, April 16, 2013 8:21 AM

    When the numbers don't tell the whole story.