Credit Risk Superseding Delinquency

Regulation and market disruption is forcing a convergence of delinquency and lending assessment.   Gain a competitive advantage by integrating this all under a new credit risk management structure.   Dynamically react to market changes and risk through predictive...

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How Disruption is changing the business model

I was invited to a Fintech forum in London to speak on a regulatory panel with ASIC Chairman Greg Medcraft.   I met with challenger banks, fintechs, the FCA and visited innovation labs of banks.   I was involved in discussions from open banking to cybersecurity and...

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Proruption Beats Disruption for Growth and Profits

To drive strong sustainable growth and profits, stop thinking disruption and start thinking proruption. Yes “proruption” is a word and it means bursting forth.  Imagine your business bursting forth from the competition and having sustained strong growth and...

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2017 New Year Resolution – Embrace Change for Success

2017 will be climatic as businesses eventually let go of the past. 2017 will see many rebuilding solid growth and margins as they eventually adopt new business models. Business models they have been resisting for far too long. We will also see many big failures as...

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Achieve exceptional growth in a downturn

Every consumer asks themselves “how will this product or service add value to my life?” Every CEO asks the same question of suppliers.  So why do we not think this is what our customers are asking.  It is ironic that executives who interrogate me on how I would add...

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Looking for Results – Rethink your innovation strategy

We know innovation is the key to success.  So if it is seen as the magic answer why are the results not meeting expectations?  The cause is likely the adoption of a poor innovation investment strategy. The quadrant info-graph classifies innovation strategies into 4...

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