The rise of payment innovation

The experience using credit cards hasn’t changed much since when Frank McNamara created the first Diner’s Club card in 1950. One could argue that the only real innovation was in 1979 with the invention of the electronic point of sale terminals, the first generation of the card terminals we use today. Therefore, despite 62 years having passed, the experience of going to the till, waiting in line, ringing up purchases, presenting card details, and receiving a paper receipt hasn’t changed.

While it would be unfair to that there hasn’t been any improvement — the changes have been incremental rather than transformational. In 2005, the UK roll-out Chip&PIN dramatically reduced fraud, but didn’t make the payment experience quicker or easier or more enjoyable. Likewise, the latest innovation, near-field communications (NFC), promises to speed up the presenting of card details, has failed to scale.

 

2012 could be the year where customers begin to see an improvement in the experience; however, unfortunately for banks, the innovation is likely to come from non-traditional players, such as PayPal or Square. A look at what makes the newcomers successful will show incumbent firms how they can compete with this growing threat.

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A future vision of television

As viewers, we’re a step ahead of the big TV and movie companies: We already tweet, comment, search, and shop while the telly is on. Interactive TV is already here – is just doesn’t happen through your TV. Web and social media teams exist in marketing departments, and are focused on creating fans and getting people to watch the TV programs (and the ad breaks), buy the DVD, go to the movie theatre. What they are not doing is creating richer content for viewers to engage with in a deeper way: we’re left to do it ourselves.

But we are about to enter an exciting new age. All of the technology to do the following already exists: all it takes is someone to join it together.

Just imagine:

·         While watching my favourite soap at home, I open the channel app on my smartphone. Suddenly, the plot thickens as the main character’s evil twin emerges from a long-term coma to reveal a secret love-child. I immediately click on the “Comment” button on the app, can see the live feed of what people are saying (with my closest friends at the top of the list), and can join the debate with the right #hashtags straight away. The next day I receive a discount voucher for a TVChoice subscription.

·         I’m watching David Attenborough’s latest deep-sea documentary, and am intrigued by a very strange fish I’ve never heard of, and want to find out more. I can click on the fish, and immediately am taken to more in-depth content, footage, and information. I can view all this on my smartphone at the same time as watching the rest of the documentary, if I want to. The next week I am invited to a special show at the London Aquarium.

·         The latest 70s cop show movie remake starring Bradley Cooper and 50-Cent has gone straight to TV. While watching the extended car-chase on the sofa, my phone vibrates and I see a prompt “Do you want to drive the cop car?” I touch yes and for the next five minutes I’m playing a mini-game where I’m driving the car. At the end of the game, I receive a prompt asking if I want to pay to download the full version of the driving game onto my games console.

·         I’m watching another Jennifer Aniston rom-com with a twist and love the bag/coat combo she’s got on. I can pull out my smartphone, touch the outfit, and order it to be delivered to my office the next day to try on and ask my colleagues what they think.

·         I’m in the movie theatre with tears rolling down my face as the credits are rolling. The song that’s playing fills my heart with joy. I want to hear this song forever, and so touch the music icon on the movie app I downloaded at the start of the movie. I gladly pay for the song to be added to my music library. The next month I receive early notice that the artist is coming to my town for a gig.

These are just a few simple ideas that are enabled by the technology we’re already using every day. There is a massive opportunity for content producers and media providers to start to bring viewers into ecosystems specifically designed as part of the content they are watching, and deliver a richer experience. The first movers and tech providers who can really offer something compelling to viewers will have a head start in what will be the future of entertainment media.

As a viewer, it’s going to get even more fun and engaging. For business, it is an opportunity to engage with consumers at a much deeper level.

Posted by James Ryan 

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Is your culture Up For Innovation?

Having a culture that is Up For Innovation (UFI) will be a key determinant in separating winners and losers in markets that are becoming increasingly dynamic and global.

Crucially, there is a big cultural difference between being inventive and being UFI. Whilst inventiveness is a pre-requisite of a UFI culture it often falls short of pushing through commercially to create long-term competitive advantage and value for the organisation and its shareholders.

Kodak, which last week filed for Chapter 11 bankruptcy protection, was clearly an inventive company, in its heyday selling 90% of the film made in the US and employing 130, 000 people. But when push came to shove Kodak wasn’t UFI. Having originally created the first digital camera in 1975 before the likes of Sony jumped on the band-wagon it’s seen its market value collapse from $30bn to less than $150mn in mere 15 years. In so doing Kodak failed to exhibit the 5 tenants of a UFI culture that could have stopped its nose dive into oblivion and instead create a new platform for growth.

The 5 tenants of having a UFI culture are:

  1. Being constantly curious about the world at large – looking outside the organisation for signs of new customer needs and behaviours
  2. Challenging  the organisation’s commonly held assumptions and beliefs - sacrificing those sacred cows
  3. Focusing on doing better things not just on doing things better  - trying to kill yourself before others actually do
  4. Taking action on shaping the future – not just planning and strategizing it
  5. Getting new propositions into the market – learning from actually doing not just talking

Core to having a UFI culture is embracing change and shaping the future, rather than waiting for it to happen to you or, more naïvely still, trying to prevent it from happening at all!

So how does an organisation build a UFI culture?

There is of course no magic bullet, but where’s there’s a corporate will there’s definitely a way. At Market Gravity we have helped many companies to become more UFI through our Innovation Incubator framework. The Innovation Incubator creates the culture, skills and processes for large corporations to get to grips with the big themes that could knock the industry sideways; figure out options for how to tackle them and then develop and test new propositions in the market to work out which options to take forward.

The Innovation Incubator behaves like a continuous market-testing laboratory and exemplifies our thinking behind corporates needing to become more entrepreneurial as opposed to more strategic.  By adopting a more entrepreneurial mind-set coupled with a UFI culture, corporations can actually better safeguard their futures rather than put them at risk.

Becoming a UFI organisation - Market Gravity’s Innovation Incubator

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Posted by gideonhyde 

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Market Gravity helps new entrepreneurs take their business to the next level

Market Gravity helps new entrepreneurs take their business to the next level

Market Gravity has recently started reaching out to entrepreneurs from new start-ups to help them come up with new ideas and growth plans to get their business moving in the direction they want it to. Many principles and challenges facing corporate entrepreneurs are the same as those in new business creation and it is something we at Market Gravity are passionate about and are very excited to be starting this new initiative. We will be working periodically with different entrepreneurs so watch this space.

This month, Market Gravity met with Rebecca Wilson, founder of “Yoga Will Save the World” (http://www.yogawillsavetheworld.com/). Rebecca is passionate about Yoga (she has been a teacher for many years) and is a brilliant artist and has found a unique way to combine these two passions. Yoga Will Save the World offers a range of giftware and clothing that feature Rebecca’s artwork.

It all started on beach in Crete when Rebecca started drawing on stones she found on the beach. One by one they started to sell and Rebecca realised there might be an opportunity to combine her passions and create a new business – Yoga Will Save the World was born.

Market Gravity helped Rebecca define the 2012 plan and some of the key milestones for her to focus her goal setting around. These included marketing and distribution channels as well innovative ideas like having her social media network decide which artwork gets released to the public.

Please support Rebecca by going to the website and signing up to her blog. Of course you may even fall in love some of the merchandise on the site, so don’t be shy to tell her.

We wish Rebecca all the best in 2012 and look forward to helping her reach her business goals

Posted by email 

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Corporate Entrepreneurship at Imperial College

Pete Sayburn and Mike Hall had the privilege to present to the Weekend Executive MBA cohort at Imperial College on the importance and challenges of Corporate Entrepreneurship.

A big thanks to Professor Bart Clarysse for the kind invitation to speak and for allowiing us to sit in on his brilliant course!

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Posted by Michael Hall 

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Will SSE’s telecommunications business prove to be a strategic asset?


If you read the seven-page strategy section of the 2011 SSE Annual Report there is no mention of telecommunications.  As you might expect it is energy focussed and states that “SSE’s core purpose is to provide the energy people need in a reliable and sustainable way”.  Yet, later in the same annual report there is a headline in the segmental performance section that reads “SSE’s telecoms business is the fourth largest telecoms network company in the UK.”  It delivered £17.9m operating profit during 2010/11 (up 9% on the previous year) and spent £34.7m on capital expenditure.  These numbers suggest that telecoms are a strategically important part of the SSE business, yet there is little mention of it.  So is a telecommunications business an important strategic growth area for SSE and by association for the other big 6 energy companies too, or not?

The involvement of energy companies in telecoms goes back a number of years.  npower telecommunications was launched in 1992 by the then Yorkshire electricity as a joint venture with Kingston Communications; Centrica acquired One.tel in 2001; and SSE formed SSE Telecoms 1997.   SSE telecoms, according to the 2002 annual report, had two main products: 

1) Network services, including managed bandwidth; and

2) Use of the SSE property portfolio for site services – in effect an opportunistic revenue stream adding mobile phone infrastructure to SSE’s existing electricity assets. 

npower and Centrica had a different focus to SSE, concentrating more on residential customer sales rather than physical infrastructure.  The thinking at the time was that customers wanted a string of services provided to them from one company and economies of scale in billing and databases would allow the energy companies to offer competitive prices against incumbent telecoms providers.  The reality, however, was that acquisition and operational costs were far higher than expected and customers didn’t understand propositions that mixed energy and other products, so anticipated margins were never realised.  The end result was that npower sold its telecoms business to Tiscali in September 2003, enabling it “to focus on electricity, gas and related products[i]”, and Centrica followed suit in December 2005, selling One.tel to the Carphone Warehouse “to focus closely on growing our core energy and related services operations in the UK and internationally[ii]”.

So this historical context may go some way to explaining why SSE doesn’t make more strategic mention of its telecoms business.  But has the landscape started to change?  Firstly, let’s consider some recent SSE actions:

1) In February 2008 SSE signed a 3-year deal with BT to offer landline phone and broadband services to its customers.  Clearly this went contrary to the market direction just a few years earlier but may have proven that the white-label model works as a new four-year deal was signed in May 2010;

2) In March 2008 SSE invested £1m in a Smart meter company, Onzo.  The focus here, however, is on data services rather than Smart devices, as shown by Onzo’s website which states, in the ‘about us’ section, “Onzo is a global leader in big data and analytics for utilities”.  This suggests the interest for SSE in Smart meters is in data rather than asset ownership and operational cost reduction;

3) In May 2009 SSE entered the data centre market, acquiring Cantono Data Centre Services Limited for £4.85m.  Not a huge sum for a company the size of SSE but an indication that the data and telecoms market is more than a non-core revenue generator for SSE.  They have also continued to grow this capability since; and

4) Lastly and perhaps most interestingly, in October 2011 it changed its name from Scottish and Southern Energy PLC to SSE PLC.  In itself this is not hugely significant, but it’s also not something that a board would consider doing unless there was good reason; if they wanted to move away from their energy focus, for example.     

It’s also worth noting some changes in the external environment and energy market that may be influencing SSE:

1) Without doubt it is getting increasingly difficult for energy companies to deliver steady earnings growth.  Well documented political, regulatory and international energy market factors are all contributing to huge challenges in the energy sector.  All energy companies are looking beyond their core vertically integrated energy businesses for growth;

2) The mandated introduction, by 2020[iii], of Smart meters in the UK provides huge possibilities, yet also a significant potential threat to the big 6 energy companies.  Ownership along the supply chain, including connectivity and data infrastructure could be a huge source of competitive advantage; and

3) Customers are becoming more and more information and data hungry.  Information technology and home / office infrastructure is also becoming increasingly connected.  The benefits of having a greater comprehension of energy consumption, how this compares to peers and what they can do to change is starting to be understood by customers.  What’s more, the ability to remotely command home and office devices, such as heating, lighting or turning on the oven is also seen as desirable.  From SSE’s perspective, ownership of the communications infrastructure and computer / data processing that facilitates this could be attractive.

So there are clear reasons why energy companies could and perhaps should be interested in telecoms.  But it is still unclear why SSE has not made more of their capability in this area.  Perhaps it is because they are slowly building the business unit.  Or maybe it is because their board are concerned about the financial market’s reaction to any significant play in a traditionally non-core sector.  More likely, though the root cause is down to the customer.  An energy company’s relationship with its domestic and business customers is anchored to an energy product.  Without this there is little reason for the customer to be interested in purchasing something else from the firm.  So the challenge for SSE and the other energy companies is to develop customer and market orientated propositions that link telecoms to the energy offering; for example, Smart data aggregation and interpretation which results in more efficient energy use and lower bills.  Critically this proposition needs to be based on a customer need rather than an expectation that the customer will simply want to purchase other services from an energy company. 

The challenge in meeting this need is determining relevance.  Energy has traditionally been a low-interest category for customers.  But this is changing as technology and data developments as well as price increases bring energy more into consideration, both for the residential and business sectors.  Propositions that make use of telecoms infrastructure and data services to help customers understand and manage their energy needs could deliver significant growth for energy companies.



Posted by Mark Nicol 

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Congratulations to Co-Operative Energy!

Midcounties' entrepreneurial spirit wins national award for launch of Co-Operative Energy

Pictured: Nigel Mason, Co-operative Energy's Business Development Manager, Ben Reid, Chief Executive of The Midcounties Co-operative and Ramsay Dunning, Co-operative Energy's Group General Manager

 

 

 

 

The entrepreneurial spirit shown by The Midcounties Co-operative in launching its Co-operative Energy business has been recognised with a national award.

The Society won Best Corporate Venture at the 2011 UK Corporate Entrepreneur Awards, trumping established national businesses, including two of the 'Big Six' energy provider's npower and British Gas.

This national accolade adds to a host of successes achieved by Co-operative Energy, including gaining support of energy regulator Ofgem, reaching its 15,000th customer and winning Which? Consumer Action Award.

Ben Reid, Chief Executive of The Midcounties Co-operative, said: "Since launching Co-operative Energy in May 2011, the business has gone from strength to strength as the Co-operative model offers a new way of doing business, which has succeeded in prompting a much welcomed market reform.

"We saw an opportunity to introduce a trusted, historic brand into a dissatisfied energy market to offer a fair and honest deal to customers and we're pleased to be recognised for this by our award."

Peter Sayburn, Director at Market Gravity organising the event, said: "The nominations in this category were all particularly strong. Co-op Energy overcame high barriers to entry and aimed to disrupt the market with a simple proposition - strong renewables and community credentials aligned with Co-op's ethical brand values."

Over 200 UK business leaders and entrepreneurs gathered in London for the awards which celebrate enterprise and innovation within large businesses. Other categories included Best Reinvention of an Existing Product or Service and Best Example of Building an Entrepreneurial Culture.

http://www.midlandsbusinessnews.co.uk/2011-12/midcounties'-entrepreneurial-spirit-wins-national-award-for-launch-of-co-operative-energy.aspx

Posted by Michael Hall 

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MG's advice to Mr. Branson the Banker

With the purchase of Northern Rock plc, Richard Branson is looking to expand the Virgin brand further into the banking sector. With their strong brand and track record in delivering a great customer experience, Virgin have the potential to really shake up the big high street banks. But it’s not going to be easy. Following from our recent [article] about the future of the banking sector, here is our advice for how they can turn that potential into reality:

 

1. Create a Beautiful Experience, not just a good deal

 

This is an area where Virgin already have a solid track record. They need to translate the approach they take with designing the Virgin Atlantic customer experience, and translate that for bank customers. They are already talking about transforming the branches into "lounges", but this approach needs to cover all the touchpoints with the customer, over the phone, online, and through smartphones.

The Beautiful Experience extends also to the product range. A wide variety of products makes for a more confused journey for customers, and for more complexity to deal with internally. In each category, design a single product that you believe is the best for your customers, and focus on selling that.

2. Build an Aspirational Brand

Here too Virgin have a good head-start. Virgin are the highest-rated airline, highest-rated travel agent, and fourth-highest train operator in the UK (do you think this is success or not?). With a bank they will be faced with the challenge of massive customer inertia. The starting point will be to create a core group of passionate advocates, making this group feel like an exclusive community, and give them a (metaphorical) badge that they’re proud to wear.

 

A key target battleground will be the graduate market. They will be the first to adopt new technologies, word of mouth will spread like wildfire, and have a specific set of needs that Virgin could design a proposition around.

 

3. Take the broadest possible definition of banking

Think beyond standard banking products and create a proposition that really helps customers with their everyday financial needs. So incorporate new methods of payment, deals and rewards into the offering. Also, think about value-adding services that can be provided: If you target graduates (who will probably change address a lot), why not provide automatic address updating for all their service providers? Find a killer app that your customers will shout (and tweet) about.

 

4. Enable your business with new tech

 

The cutting edge of technology means enabling seamless interaction through any new channel that could develop at any time. Be the first to inhabit these new ecosystems and get first-mover advantage. This is not in the heartland of advantage that Virgin have, so some work will have to be done in this area in order to really capitalize on the opportunity.

 

5. Cultivate an Entrepreneurial Culture

This is an area that will require particular focus for the Virgin/Northern Rock tie-up. Richard Branson is a great example of an entrepreneur who knows how to take risks, make things happen and inspire people. This example needs to be driven through the whole organization, including to the team at Northern Rock, who’ve had a tough time of it over the last few years. They will need to snap out of the holding pattern of public ownership and snap into a hungry team ready to take on the challenge of changing the face of UK banking. In order to succeed, there will need to be a core group of Corporate Entrepreneurs ready to disrupt the market, and deliver something market-changing.

Posted by James Ryan 

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UK Corporates are failing to develop innovation capability

Market Gravity recently carried out research with leading UK corporates to understand the importance of innovation for their organisations and whether their ambition was reflected in how they developed the skills of their people. The key findings are presented below:

Innovation is almost universally recognised by senior managers as being vital to their organisations future growth prospects. Indeed, it’s become something of a corporate mantra for companies to mention their “innovation” credentials at every opportunity, whether to city analysts, shareholders, employees or customers.

For some organisations, innovation titles are extremely prevalent and it’s not uncommon to find Chief Innovation Officers at the heart of a company’s new initiatives roadmap.

But how well do organisations equip their employees with the specific innovation skills and tools to effectively innovate within a corporate environment, with all its constraints and inherent aversion to risk?

Market Gravity research suggests that there is a fundamental mismatch between a company’s ambitions to drive growth through innovation and the support provided to employees to be more “innovative”.

Research findings:

  • Almost all managers believe that Innovation is of significant importance for their organisations (94% of respondents said Innovation was either Important or Very Important)
  • For the majority of managers, Innovation is seen as being of significance to their day-to-day roles (87% of respondents said that Innovation was either Important or Very important)
  • Yet most organisations do not provide them with any specific Innovation training (only 22% of managers have had any kind of Innovation training)
  • Innovation training, when it is provided, is usually at the behest of directors and senior managers on an ad hoc basis within the business lines and not through formal organisation channels (67% of Innovation training is decided upon by Directors/Senior Managers; 22% from HR)
  • The average annual budget per employee for all their training and development needs is £850, suggesting that investment in developing an individuals’ specific Innovation capabilities is negligible

Market Gravity believes that if corporates really do want Innovation to drive their business growth then specific Innovation capability & skills development, alongside a wider programme that develops a corporate wide culture of Innovation, should be a core part of a corporates training agenda, at least as important as the usual functional training programmes provided by HR/Training departments.

 

Filed under  //   #capability   #innovation   #training  
Posted by Michael Hall 

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Market Gravity UK Corporate Entrepreneur Awards 2011

Lloyds, Co-operative Energy and Addison Lee win Market Gravity Corporate Entrepreneur Awards 2011

Over 200 UK business leaders and entrepreneurs gathered at Altitude 360 in London on November 8th, 2011 to celebrate Market Gravity’s UK Corporate Entrepreneur Awards.

 

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Posted by Pete Sayburn 

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