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Innovation, Key Success Factor for Growth Pascal Spelier ABN AMRO Bank N.V.
Contents <ul><li>What are the key drivers for innovation? </li></ul><ul><li>Trends that need to be taken seriously </li></...
 
<ul><li>The key drivers for innovation </li></ul><ul><li>Growth by distinction </li></ul><ul><li>Changing world, changing ...
<ul><li>The key drivers for innovation </li></ul><ul><li>Growth by distinction </li></ul><ul><li>Changing world, changing ...
<ul><li>Growth by distinction </li></ul><ul><li>Innovation is making companies grow </li></ul><ul><li>Gartner predicts: by...
<ul><li>The key drivers for innovation </li></ul><ul><li>Growth by distinction </li></ul><ul><li>Changing world, changing ...
<ul><li>The changing world,  </li></ul><ul><li>the changing customer </li></ul><ul><li>Customers become ‘self directed’ </...
<ul><li>The changing world,  </li></ul><ul><li>the changing customer </li></ul><ul><li>Customers become ‘self directed’ </...
 
 
face-to-face cost efficient channels traditional self-directed
<ul><li>The changing world,  </li></ul><ul><li>the changing customer </li></ul><ul><li>Customers become ‘self directed’ </...
 
 
<ul><li>The changing world,  </li></ul><ul><li>the changing customer </li></ul><ul><li>Customers become ‘self directed’ </...
 
 
 
<ul><li>The changing world,  </li></ul><ul><li>the changing customer </li></ul><ul><li>Customers become ‘self directed’ </...
<ul><li>The key drivers for innovation </li></ul><ul><li>Growth by distinction </li></ul><ul><li>Changing world, changing ...
<ul><li>‘ New’ rules imposed by the  </li></ul><ul><li>network economy </li></ul><ul><li>Scarcity versus Plentitude </li><...
 
 
 
 
 
 
Google has over 200 banking licenses worldwide
 
People are spending more time online
 
<ul><li>The key drivers for innovation </li></ul><ul><li>Growth by distinction </li></ul><ul><li>Changing world, changing ...
<ul><li>The Credit Crunch,  </li></ul><ul><li>let’s start all over </li></ul><ul><li>The Credit Cruch created the current ...
 
<ul><li>The fundament of trust must  </li></ul><ul><li>be rebuild </li></ul><ul><li>Putting the customer first  </li></ul>...
<ul><li>Trends to be taken seriously * </li></ul><ul><li>Non-banking competitors enter banking industry </li></ul><ul><li>...
<ul><li>Trends to be taken seriously * </li></ul><ul><li>Non-banking competitors enter banking industry </li></ul><ul><li>...
 
 
 
<ul><li>Trends to be taken seriously * </li></ul><ul><li>Non-banking competitors enter banking industry </li></ul><ul><li>...
<ul><li>Social media isn’t a fad </li></ul><ul><li>Social Media isn’t a fad, it’s a fundamental shift in the way we commun...
 
 
[ finno]
<ul><li>Trends to be taken seriously * </li></ul><ul><li>Non-banking competitors enter banking industry </li></ul><ul><li>...
Crowdfunding describes the collective cooperation, attention and trust by people who network and pool their money together...
 
 
Getting inspired –  Global examples of innovation  for SME Finance
 
 
 
 
 
<ul><li>What could banks do with  </li></ul><ul><li>crowdfunding? </li></ul><ul><li>If crowdfunded for 50%, bank can add 5...
 
 
 
 
 
 
 
 
 
 
<ul><li>Sit back and relax </li></ul><ul><li>Ask yourself. Can we reinvent SME Finance? </li></ul><ul><li>If not, non bank...
<ul><li>Questions? </li></ul><ul><li>[email_address] </li></ul>
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20110126 presentation sme finance summit london v1.0

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20110126 presentation sme finance summit london v1.0

  1. 1. Innovation, Key Success Factor for Growth Pascal Spelier ABN AMRO Bank N.V.
  2. 2. Contents <ul><li>What are the key drivers for innovation? </li></ul><ul><li>Trends that need to be taken seriously </li></ul><ul><li>Getting inspired – Global examples of innovation for SME Finance </li></ul>
  3. 4. <ul><li>The key drivers for innovation </li></ul><ul><li>Growth by distinction </li></ul><ul><li>Changing world, changing customer </li></ul><ul><li>New rules imposed by the Network Economy </li></ul><ul><li>The Credit Crunch, let’s start all over </li></ul>
  4. 5. <ul><li>The key drivers for innovation </li></ul><ul><li>Growth by distinction </li></ul><ul><li>Changing world, changing customer </li></ul><ul><li>New rules imposed by the Network Economy </li></ul><ul><li>The Credit Crunch, let’s start all over </li></ul>
  5. 6. <ul><li>Growth by distinction </li></ul><ul><li>Innovation is making companies grow </li></ul><ul><li>Gartner predicts: by 2013, 50 per cent of banks will still lack a formal innovation programme and budget, severely restricting growth potential. . </li></ul><ul><li>Competition forces banks to become more efficient and stimulates innovative behaviour </li></ul>
  6. 7. <ul><li>The key drivers for innovation </li></ul><ul><li>Growth by distinction </li></ul><ul><li>Changing world, changing customer </li></ul><ul><li>New rules imposed by the Network Economy </li></ul><ul><li>The Credit Crunch, let’s start all over </li></ul>
  7. 8. <ul><li>The changing world, </li></ul><ul><li>the changing customer </li></ul><ul><li>Customers become ‘self directed’ </li></ul><ul><li>Customers listen to the ‘Wisdom of Crowds’ </li></ul><ul><li>Customers demand transparancy and simplicity </li></ul><ul><li>The future is about putting the customer first and service: listen, learn and adapt </li></ul>
  8. 9. <ul><li>The changing world, </li></ul><ul><li>the changing customer </li></ul><ul><li>Customers become ‘self directed’ </li></ul><ul><li>Customers listen to the ‘Wisdom of Crowds’ </li></ul><ul><li>Customers demand transparency and simplicity </li></ul><ul><li>The future is about putting the customer first and service: listen, learn and adapt </li></ul>
  9. 12. face-to-face cost efficient channels traditional self-directed
  10. 13. <ul><li>The changing world, </li></ul><ul><li>the changing customer </li></ul><ul><li>Customers become ‘self directed’ </li></ul><ul><li>Customers listen to the ‘Wisdom of Crowds’ </li></ul><ul><li>Customers demand transparency and simplicity </li></ul><ul><li>The future is about putting the customer first and service: listen, learn and adapt </li></ul>
  11. 16. <ul><li>The changing world, </li></ul><ul><li>the changing customer </li></ul><ul><li>Customers become ‘self directed’ </li></ul><ul><li>Customers listen to the ‘Wisdom of Crowds’ </li></ul><ul><li>Customers demand transparency and simplicity </li></ul><ul><li>The future is about putting the customer first and service: liste, learn and adapt </li></ul>
  12. 20. <ul><li>The changing world, </li></ul><ul><li>the changing customer </li></ul><ul><li>Customers become ‘self directed’ </li></ul><ul><li>Customers listen to the ‘Wisdom of Crowds’ </li></ul><ul><li>Customers demand transparency and simplicity </li></ul><ul><li>The future is about putting the customer first and service: listen, learn and adapt </li></ul>
  13. 21. <ul><li>The key drivers for innovation </li></ul><ul><li>Growth by distinction </li></ul><ul><li>Changing world, changing customer </li></ul><ul><li>New rules imposed by the Network Economy </li></ul><ul><li>The Credit Crunch, let’s start all over </li></ul>
  14. 22. <ul><li>‘ New’ rules imposed by the </li></ul><ul><li>network economy </li></ul><ul><li>Scarcity versus Plentitude </li></ul><ul><li>Capital, Labour and Materials versus Media, Sofware and Services (knowledge driven society) </li></ul><ul><li>Gradually versus Exponential Growth </li></ul><ul><li>Bying versus free </li></ul><ul><li>Harmony versus Disruptive Innovation </li></ul><ul><li>The elimination of intermediate trade </li></ul><ul><li>People are spending more time online </li></ul>
  15. 29. Google has over 200 banking licenses worldwide
  16. 31. People are spending more time online
  17. 33. <ul><li>The key drivers for innovation </li></ul><ul><li>Growth by distinction </li></ul><ul><li>Changing world, changing customer </li></ul><ul><li>New rules imposed by the Network Economy </li></ul><ul><li>The Credit Crunch, let’s start all over </li></ul>
  18. 34. <ul><li>The Credit Crunch, </li></ul><ul><li>let’s start all over </li></ul><ul><li>The Credit Cruch created the current recession </li></ul><ul><li>Immediate damage control diminishes innovation power in the short term </li></ul><ul><li>The fundament of trust must be rebuild </li></ul>
  19. 36. <ul><li>The fundament of trust must </li></ul><ul><li>be rebuild </li></ul><ul><li>Putting the customer first </li></ul><ul><li>It’s about ‘customer advocacy’ </li></ul><ul><li>Marketing communication shifts from one-way communication (monologue) to a dialogue and interaction </li></ul>
  20. 37. <ul><li>Trends to be taken seriously * </li></ul><ul><li>Non-banking competitors enter banking industry </li></ul><ul><li>Social Media isn’t a fad </li></ul><ul><li>Will crowdfunding survive the hype? </li></ul>*just a few
  21. 38. <ul><li>Trends to be taken seriously * </li></ul><ul><li>Non-banking competitors enter banking industry </li></ul><ul><li>Social Media isn’t a fad </li></ul><ul><li>Will crowdfunding survive the hype? </li></ul>
  22. 42. <ul><li>Trends to be taken seriously * </li></ul><ul><li>Non-banking competitors enter banking industry </li></ul><ul><li>Social Media isn’t a fad </li></ul><ul><li>Will crowdfunding survive the hype? </li></ul>* Just a few
  23. 43. <ul><li>Social media isn’t a fad </li></ul><ul><li>Social Media isn’t a fad, it’s a fundamental shift in the way we communicate </li></ul>Stills from Youtube movie ‘Social Media Revolution 2 ’
  24. 46. [ finno]
  25. 47. <ul><li>Trends to be taken seriously * </li></ul><ul><li>Non-banking competitors enter banking industry </li></ul><ul><li>Social Media isn’t a fad </li></ul><ul><li>Will crowdfunding survive the hype? </li></ul>
  26. 48. Crowdfunding describes the collective cooperation, attention and trust by people who network and pool their money together, usually via the internet, in order to support efforts initiated by other people or organisations.
  27. 51. Getting inspired – Global examples of innovation for SME Finance
  28. 57. <ul><li>What could banks do with </li></ul><ul><li>crowdfunding? </li></ul><ul><li>If crowdfunded for 50%, bank can add 50% in credit facilities </li></ul><ul><li>Can the crowd replace the bank’s risk approval? </li></ul><ul><li>The crowd can support the business projects with advice, something banks generally don’t </li></ul>
  29. 68. <ul><li>Sit back and relax </li></ul><ul><li>Ask yourself. Can we reinvent SME Finance? </li></ul><ul><li>If not, non banking competitors will! </li></ul>
  30. 69. <ul><li>Questions? </li></ul><ul><li>[email_address] </li></ul>

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