Banks that survived the dramatic downturn now have to answer questions about how they’ll differentiate themselves to gain a competitive advantage. Banks that survived the crash were adept at optimisation, but although optimisation may have helped banks avoid insolvency, it’s not a differentiator.
How can banks shift from an optimisation-centric approach to one that balances optimisation and innovation? From experience we’ve found the Design Thinking model is an ideal way to promote innovation.
Deutsche Bank for example has already built its own design thinking division to solve complex business problems.
Although Design Thinking offers a good way to encourage banks to be more creative and innovative, there’s a more fundamental question that we need to consider. Do banks have the ability and willingness to innovate and evolve?
One of the best-known photographs of the late Steve Jobs pictures him sitting in the middle of the living room of his Los Altos house, circa 1982. There isn’t much in the room, save an audio system and a Tiffany lamp.
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