One option for disrupting Financial Services

Digital technology and business models are widely expected to disrupt financial services, but this hasn’t yet happened even after two phases of digital innovation. In fact the real opportunity for disruption is to reinvent what the ‘service’ in financial services means. For example, by reducing the worry and drudgery involved in managing money – what if a bank offered…

Five new digital business models

The digital, online, internet, social, mobile revolution is steadily changing what we buy, how we buy, and what role we play as consumers. In the topsy-turvy world of digital business models, consumers become suppliers, products are given away for free, and big money is made from niche products. Underlying the change is a rethinking of…

Why your company needs to be digital

The problem with most discussion about digital is it doesn’t explain how and why digital impacts business strategy. Often the discussion takes a single-topic view like mobile or digital marketing or e-commerce, or focuses on the latest device, or analyses digital businesses like Google or Facebook with little consideration of broader opportunities and threats. In…