Lean finance by Pierre Pezziardi
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Lean finance by Pierre Pezziardi

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How a lean mindset can not only produce on time, on budget, high quality products, but also generate disruptive social innovations? At the Lean IT Summit, Pierre Pezziardi presented HelloMerci.com,......

How a lean mindset can not only produce on time, on budget, high quality products, but also generate disruptive social innovations? At the Lean IT Summit, Pierre Pezziardi presented HelloMerci.com, a crowdfunding platform that empowers people to raise money for their projects. Flattening the bank value chain not only reduces waste, but produces social goods.
More Lean IT on www.lean-it-summit.com

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  • 1. Copyright © Institut Lean France 2013 3 & 4 October, 2013 Paris, France Lean IT Summit 2013 Lean Finance by Pierre Pezziardi, HelloMerci.com
  • 2. Lean Finance Pierre Pezziardi, Partner, hellomerci @ppezziardi
  • 3. Roll-out fast to your 1st circle, I mean FAST ● Roll-out slides after week 1 ● App after month 2 PO = sales rep (product clerk otherwise) ● what minimum do you need to get a borrower involved? a lender involved? Co-construction creates loyal customers -> aka ambassadors When enlarging, apologize rather than seek perfection Take it, but take it easy ● Better lose 2 months on delays than break a relationship with “it must be perfect” partners ● MVP <> MVPWA
  • 4. Bank lending value chain
  • 5. LeanIT in a Bank super app smart app amazing app
  • 6. Reinforcing local optima maximise sales maximize liquidity maximise calls
  • 7. not global optimum
  • 8. E.g. 3 B$ MIS for french banks 15/9/2008 “Optimizing the risk department does not minimize the risk of the bank”
  • 9. Culture <-> System (Conway’s law - 1968) : “organizations which design systems ... are constrained to produce designs which are copies of the communication structures of these organizations” Division (disempowerment) Control (mistrust) + + Silo apps, data silos Everything is forbidden except what is explicitly allowed
  • 10. Beyond pyramidal systems Autonomy (empowerment) Transparency (trust) Mutual aid + + Consider using this DNA into your apps Open app, shared data Everything is allowed except what is explicitly forbidden
  • 11. Crowdlending
  • 12. Crowdsourcing Internal support functions
  • 13. Lean lending value chain
  • 14. Global optima
  • 15. Copyright © Institut Lean France 2013 3 & 4 October, 2013 Paris, France More Lean IT presentations and videos on www.lean-it-summit.com