This document discusses innovation in the banking and automobile industries. It provides examples of innovative services offered by banks like online banking, debit cards, credit cards, and mobile banking. It also discusses innovation in the automobile industry with examples of new features and technologies offered in recent car models from Tata, Hyundai, and Renault like increased safety, fuel efficiency, and advanced infotainment systems. The document emphasizes the important role of innovation in helping industries adapt to changes and better meet customer needs.