Innovation Driven Growth podcast

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المحتوى المقدم من Podcasts That Matter and David L. Peterson. يتم تحميل جميع محتويات البودكاست بما في ذلك الحلقات والرسومات وأوصاف البودكاست وتقديمها مباشرة بواسطة Podcasts That Matter and David L. Peterson أو شريك منصة البودكاست الخاص بهم. إذا كنت تعتقد أن شخصًا ما يستخدم عملك المحمي بحقوق الطبع والنشر دون إذنك، فيمكنك اتباع العملية الموضحة هنا https://ar.player.fm/legal.

Action Academy | Replace The Job You Hate With A Life You Love

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How To Replace A $100,000+ Salary Within 6 MONTHS Through Buying A Small Business w/ Alex Kamenca & Carley Mitus 57:50

منذ 52 weeks57:50

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57:50

Alex (@alex_kamenca) and Carley (@carleymitus) are both members of our Action Academy Community that purchased TWO small businesses last thursday! Want To Quit Your Job In The Next 6-18 Months Through Buying Commercial Real Estate & Small Businesses? 👔🏝️ Schedule A Free 15 Minute Coaching Call With Our Team Here To Get "Unstuck" Want to know which investment strategy is best for you? Take our Free Asset-Selection Quiz Check Out Our Bestselling Book : From Passive To Passionate : How To Quit Your Job - Grow Your Wealth - And Turn Your Passions Into Profits Want A Free $100k+ Side Hustle Guide ? Follow Me As I Travel & Build: IG @brianluebben ActionAcademy.com…

Innovation Driven Growth

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The Innovation Driven Growth podcast is hosted by fintech pioneer, entrepreneur and author, David L. Peterson, and features interviews, insights, and ideation focused on how to unleased our inherent creativity to produce Innovation Driven Growth. Each episode is about igniting strategic innovation in work and life—no matter your skill set or job title.

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#Science #Business #Kent Gustavson #Technology #Innovation #Growth #Tips #Business Growth #David L Peterson

Innovation Driven Growth

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60 حلقات

#Science #Business #Kent Gustavson #Technology #Innovation #Growth #Tips #Business Growth #David L Peterson

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Innovation Driven Growth

1
Harnessing the Power of Storytelling in Banking 14:38

منذ 35 weeks14:38

14:38

We, humans, are inherently drawn to stories as a medium for learning and accessing information. But many bankers erroneously think that they don't have any good stories to tell, therefore they don't even try to tell stories Every small business needs a relationship with its community banks to help them prosper, and sharing examples of your work through storytelling will create a connection that benefits both parties. Efforts to make storytelling a strategic initiative will yield long-term benefits, so think about examples and themes you can leverage. Show notes: 💯 All businesses need to tell good stories: what makes a good story? 00:55 3️⃣ The three core reasons we are so drawn to stories. 02:42 ⚠️ It is time to take action: brainstorm good story subjects. 03:17 🌞 Do you help businesses with PPP loans: how many examples of helping small businesses you have? 04:43 📈 The power of social media presence and reviewing your offers to small businesses. 11:36 Links: Harnessing the Power of Stories: https://www.youtube.com/watch?v=9X0weDMh9C4 Jonathan Gottschall, The Storytelling Animal: How Stories Make Us Human PPP frauds report: click here Email David: david@davidpeterson.com Connect with David: www.linkedin.com/in/dlpspeaks Learn more about David: www.davidpeterson.com Consult with David: www.i7strategies.com Sail with David: www.i7sailing.com…

Innovation Driven Growth

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The Value of Broad Experience in Business: Generalists vs. Specialists 10:29

منذ 37 weeks10:29

10:29

Having diverse experiences can often lead to better problem-solving and innovation compared to hyper-specialization. In the book Range, there is a cognitive psychological problem that shows how analogies from different fields can help solve complex issues. Applying this to financial services, David suggests that organizations should leverage the diverse backgrounds of their employees to enhance creativity and problem-solving. Businesses should conduct skills assessments to identify all experiences within their teams and form cross-functional groups to tackle challenges, help customers, and ignite innovation. Notes: 🤓 Why people with a wide range of experience can outperform those on specialization. 01:02 🤔 Problem by Carl Drucker: cancer patient issue. 01:45 😇 Bankers are coming from different fields: gather the database of all experiences within your institution. 05:15 🌟 Skills assessment is very useful for creating cross-functional problem-solving teams. 08:02 Links: Book Range: https://www.amazon.com/0735214484 Email David: david@davidpeterson.com Connect with David: www.linkedin.com/in/dlpspeaks Learn more about David: www.davidpeterson.com Consult with David: www.i7strategies.com Sail with David: www.i7sailing.com…

Innovation Driven Growth

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Sync or Sink: The Importance of Data Consistency in Virtual and Physical Services 7:03

منذ 39 weeks7:03

7:03

Your business’ virtual and physical services must be aligned. The frustration caused by the mismatch in data synchronization between these two is huge and should not happen in this day and time. Businesses must ensure their virtual and physical operations are aligned to provide reliable and accurate information to customers. This can be fixed by having an automated routine that regularly checks, multiple access points that you're offering to your customers and validates that the information is in sync. Notes: ✈️ David’s experience at the airport: how often does a service-oriented business have a sync mismatch between its virtual and physical operation? 00:58 🤯 When the mobile app and online dashboard show different banking balances. 03:15 ⚠️ Checking if your data are in sync. 05:35 Links: Email David: david@davidpeterson.com Connect with David: www.linkedin.com/in/dlpspeaks Learn more about David: www.davidpeterson.com Consult with David: www.i7strategies.com Sail with David: www.i7sailing.com…

Innovation Driven Growth

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Banking with Heart: Emotional Intelligence in Financial Decisions 11:01

منذ 1 year11:01

11:01

We often make decisions using our emotions, but financial decisions are more likely to be better and more useful if we make them by using our heads. Behavioral science and storytelling can help with crafting the right messages to customers that will regain their emotions and take good care of them in the financial world. How science can help in attracting and acquiring new customers? Notes: 😍 Are emotions important when making a decision? 01:01 🤓 How young people make decisions: emotions can be bad for banking decisions. 02:59 🤯 Younger customers are using alternative payment services: emojis as reasons to choose bank service. 03:26 🧠 Stories activate the brain: using storytelling to help your customers to make good financial decisions. 06:05 🎯 Marketing crafted based on behavioral science: affirmation and support that will appeal to clients. 08:20 Links: Article: https://thefinancialbrand.com/news/bank-marketing/how-behavioral-science-gives-bank-marketers-a-leg-up-acquiring-customers-153126/ Email David: david@davidpeterson.com Connect with David: www.linkedin.com/in/dlpspeaks Learn more about David: www.davidpeterson.com Consult with David: www.i7strategies.com Sail with David: www.i7sailing.com…

Innovation Driven Growth

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Revolutionizing Customer Onboarding: Embracing Digital Transformation in Banking 10:35

منذ 1 year10:35

10:35

Why banks can’t get out of the habit of not using the out-of-branch tools available when they are doing business in the branch? Why is that so hard? Why banks don't value the virtual branch, like the physical branch, and do not enable younger generations to become users of the financial institutions the way they like the best - via digital? These are only some of the questions that financial institutions must work on to get more customers who hold phones in their hands from the age of 2. It is time to innovate! Notes: 💸 Customer Journey is providing the best insight into your service from a client's point of view. 00:51 📱 Opening account in 15 minutes instead of 25: how about 5 minutes? 🤯 Employees in banks don't use the solutions and services that they make their customers use.03:45 ⚠️ Younger generations have expectations about what an online onboarding experience should be: abandonment rates are too high. 05:29 ⏸️ Pause in the process is the reason for abandonment: allow electronic transfer to fund accounts. 6:55 ⚡ Stop comparing your institution with others but compare yourself with Neobanks.08:12 🤩 How to know if your online experience meets expectations. 08:51 The article used: https://thefinancialbrand.com/news/bank-onboarding/why-banks-need-to-fix-poor-digital-onboarding-experience-147074/ Email David: david@davidpeterson.com Connect with David: www.linkedin.com/in/dlpspeaks Learn more about David: www.davidpeterson.com Consult with David: www.i7strategies.com Sail with David: www.i7sailing.com…

Innovation Driven Growth

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Steal the Playbook of Neobanks 10:16

منذ 1 year10:16

10:16

In episode 55 we talked about the Neobank phenomenon. Are they taking away younger customers away from the traditional financial institutions? What if traditional financial institutions could tailor the services for small to medium businesses and startups and assist individuals in starting businesses, providing a checklist, classes, mentorship, events, and training. The key is to market your services as effectively as neobanks without the need to create one, fostering a differentiated and valuable proposition for potential business customers. ⚠️ Neobank creates a compelling argument to some targeted groups to move away from their traditional bank and to come "bank" with them. 00:52 📈 Brex launched in 2017 with a specific purpose of focusing on serving startup companies, and in 2022 they were valued at $12.3 billion: now, they're less suited to meet the needs of smaller customers. 02:04 💡 Target companies Brex left behind to open accounts at your institution and adjust your offer for startups to make them long-term clients. 04:47 ✅ Community banks should consider building services that assist an individual in starting a business: David shared several ideas on how to do that. 06:40 ❗ Your non-interest service revenue is heavily weighted toward business customers, so you have a vested interest in getting more business customers via calls and programs. 07:47 📢 Potential clients should know that your institution provides a service targeted to their unique needs and mitigates any interest in them looking for shiny, bright online banking options. 08:36 👉 You should market your services as if you were a Neobank. 09:07 Links: Episode 53: Trouble Ahead for Neobanks? Article: Brex, which started out serving startups, now says it is‘less suited to meet the needs of smaller customers’ Email David: david@davidpeterson.com Connect with David: www.linkedin.com/in/dlpspeaks Learn more about David: www.davidpeterson.com Consult with David: www.i7strategies.com Sail with David: www.i7sailing.com…

Innovation Driven Growth

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Too Much Routine Suffocates Your Brain 10:42

منذ 1 year10:42

10:42

We all love routine, but guess what? It’s a disaster for our brains! In this episode, David explores how excessive routine can stifle creativity and problem-solving skills, particularly in organizations such as financial institutions. He discusses how an over-reliance on strict procedures might hinder employees’ adaptability in unexpected situations and limit their ability to identify areas for innovation. Drawing from personal experiences and research findings, David highlights the “numbing effect” of routine on the brain’s executive functions, emphasizing its potential negative impact on employee creativity and crisis management. He suggests strategies like escape room exercises and continuous thought-provoking activities to counteract this effect and keep employees fit. Tune in for invaluable insights on navigating the fine line between routine and innovation while uncovering ways to maximize creative potential! Notes: 📉 David coined 'the numbing effect of routine' term: financial services don’t fare well when knocked off that routine. 00:58 🧠 Too much routine suffocates your brain: there’s evidence that the less you engage the executive functions, the weaker they become. 02:46 👉 A 2017 study reveals a link between heightened anxiety and an inverse relationship with goal-oriented behavior. 03:56 ✅ The anomaly might be something that should be examined as the source of a creative idea that might streamline the process, potentially leading to innovation. 04:48 ❗ If and when a true crisis occurs, the most important element in successfully remediating the crisis is how immediately the employees take thoughtful action. 06:02 ⏹️ A process-oriented business inherently reduces the ability to recognize potential innovations or preparedness for addressing disasters. 07:04 💡 Escape rooms are a great way for employees to work on problem-solving: consider hosting logic quizzes, innovation idea vetting programs or engaging innovation workshops. 07:33 ❓ How do you keep your people sharp and ready to go? 09:39 Links: 📌 David's book GROUNDED: https://davidpeterson.com/bookstore 📧 Email David: david@davidpeterson.com 🌞 Connect with David: www.linkedin.com/in/dlpspeaks 🤩 Learn more about David: www.davidpeterson.com 👨🏻‍💼 Consult with David: www.i7strategies.com ⛵ Sail with David: www.i7sailing.com Resources: How Too Much Routine Suffocates Your Brain: https://elemental.medium.com/how-too-much-routine-suffocates-your-brain-fcee3cd8444 Escape Room: www.amazon.com/Escape-Room-Box-Werewolf-Experiment/dp/B0752PGG2K/ref=sr_1_5?…

Innovation Driven Growth

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Trouble Ahead for Neobanks? 10:47

منذ 1 year10:47

10:47

In the ever-evolving landscape of banking, a clash of titans is underway, pitting traditional community banks against the innovative disruptors known as Neobanks. Community banks must revamp digital experiences, embrace storytelling in marketing, and strategically connect with younger demographics. To ensure long-term success, strategic planning involving senior leadership and dedicated teams is paramount, providing these banks a transformative path to compete effectively in today’s financial sphere. Notes: 🚫 Neobank is NOT A BANK. 00:57 📱 Neobanks have excelled compared to the typical community bank: prioritizing user experience is what matters. 02:19 📉 About 250 Neobanks are operating worldwide: the surrounding fervor, akin to buy now and pay later schemes, might lead to a spectacular crash. 03:55 🎯 David thinks that Neobanks are created to gain online users and then convert that market share into a deal where they sell out to traditional banks: that way, banks get younger millennials and Gen Z clients. 05:54 👉 In today’s digital banking landscape, it’s essential to offer features and experiences that resonate with younger customers, or risk falling behind. 07:17 ✅ Community banks are inherently bad storytellers: it’s a critical skill for gaining young customers. 07:57 ❓ Could upcoming strategic planning sessions be utilized to chart a new course, positioning your bank to dominate young millennials and Gen Z markets in 2024? 09:17 Links: Which Neobanks Will Survive In the Future? https://thefinancialbrand.com/news/fintech-banking/which-neobanks-will-survive-in-the-future-150827 Email David: david@davidpeterson.com Connect with David: www.linkedin.com/in/dlpspeaks Learn more about David: www.davidpeterson.com Consult with David: www.i7strategies.com Sail with David: www.i7sailing.com…

Innovation Driven Growth

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Marketing’s Role in Data Analytics 9:36

منذ 1 year9:36

9:36

Marketing is an essential part of every organization. Statistics could be more positive when it comes to bank marketing. Bank marketers have a hard job and need accurate targeted data to create very specific campaigns and confidence in their reliability. It's an ongoing problem to resolve. Help focus marketing campaigns that will generate measurable results and outcomes without crossing the creepy line. ⭐ What is Baader Meinhof phenomenon: bank marketers indicated they have access to a lot of data useful for marketing. 01:39 🔵 Profitability is important data, and it's not ranked high enough: if a nonprofitable customer leaves your bank for a competitor, your overall profit goes up. 02:50 👉 Bank marketers are getting more comfortable using the data they have access to, but they are still not very confident about the quality or accuracy of the data they use to make marketing decisions. 03:57 ✉️ Get very granular about the specific subset of customers or prospects: snail mail marketing is incredibly effective if targeted to a particular subgroup to which its appeal is uniquely tailored. 04:53 🔴 Give our marketers accurate, targeted data that will enable them to focus marketing campaigns that generate measurable results. 07:56 Links: Marketing’s role in data analytics: https://bankingjournal.aba.com/2022/08/marketings-role-in-data-analytics/?utm_source=eloqua&utm_medium=email&utm_campaign=newsbytes&utm_content=NEWSBYTES-20220824 Graphic 1: www.bankers-bank.com/wp-content/uploads/2022/10/Blog-Image-1.1.png Graphic 2: www.bankers-bank.com/wp-content/uploads/2022/10/Blog-Image-2.2.png Email David: david@davidpeterson.com Connect with David: www.linkedin.com/in/dlpspeaks Learn more about David: www.davidpeterson.com Consult with David: www.i7strategies.com Sail with David: www.i7sailing.com…

Innovation Driven Growth

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You Don’t Have Big Data…But The Data You Have Is Really Valuable! 13:43

منذ 1 year13:43

13:43

Big data centers are getting more and more popular, and it's expected for institutions to use them. Are they necessary for banks? David shares his view on this actual topic. There is a need for a data acquisition tool that can connect to external systems without centralizing data. The speaker outlines three key outcomes for effective data management: dashboards, graphical reporting, and targeted marketing lists. The episode concludes by urging banks to focus on outcomes that drive business success and improve customer experience, rather than getting caught up in the pursuit of big data solutions. Banks should be good stewards of their data and not be embarrassed or afraid to use it. Notes: 🤔 Banks shouldn't be chasing a solution that fixes a nonexistent problem. 00:55 🟫 Bankers have several types of data like financial, customer, and transaction data: there's an idea to create a new repository that extracts from all the existing data sources into some single composite database. 02:40 😵‍💫 Even if you get all the data extracted and normalized but gets dated: daily update of all data from every source. 04:08 ✅ There are three categories of data management outcomes - creating dashboards, graphical reporting, and marketing lists: deliver value beyond the cost of acquisition of the chosen management tool. 05:21 👉 The tools you're looking for should specifically address how you accessed third-party databases without pulling all of that into a consolidated new database. 08:16 ❗ Tools you choose should perform the outcomes that you want: smart bankers are the ones who force vendors to show specific outcomes. 09:31 🤩 There are big payoffs for the banks that can get their arms around their data: improve the gross margin, internal efficiencies within their institutions, and customer satisfaction. 12:16 Links: Email David: david@davidpeterson.com Connect with David: www.linkedin.com/in/dlpspeaks Learn more about David: www.davidpeterson.com Consult with David: www.i7strategies.com Sail with David: www.i7sailing.com…

Innovation Driven Growth

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Bankers Must Overcome the Fear of Failure 7:26

منذ 2 years7:26

7:26

Where failure is discouraged, much less rewarded, why would anyone stick their neck out on the line, bringing a creative idea? Innovation occurs when failure is an option. Challenging the status quo and allowing failure, will initially lead to disruption, however, ensuring failure leads to learning will allow for improvement in banking as a whole. There is much to be learned about the challenge of allowing failure within your organization. Notes: ⛹️‍♂️ Innovation occurs when failure is an option: the players who lead baseball leagues and home runs almost certainly lead that league into strikeouts - apply that to your business. 01:20 ✅ Not only should bankers stop punishing failure, but encourage it using the fail-fast fail-often model. 03:00 👉 Executives should encourage innovation and responsible risk-taking across the entire enterprise: ideas that don't go anywhere are not a strikeout - usually, it takes 30 ideas to get one right. 04:01 ⁉️ Innovation occurs when failure is an option: will you take up the challenge to encourage failure at your organization? 06:07 Links: The Financial Brand Fear of Failure Hurts Innovation in Banking: https://thefinancialbrand.com/news/banking-innovation/fear-of-failure-innovation-in-banking-deming-management-transformation-151415/ Email David: david@davidpeterson.com Connect with David: www.linkedin.com/in/dlpspeaks Learn more about David: www.davidpeterson.com Consult with David: www.i7strategies.com Sail with David: www.i7sailing.com…

Innovation Driven Growth

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Faster Payment Fraud and the Elephant in the Room 7:56

منذ 2 years7:56

7:56

In the world of faster payments, fraud is a hot topic. But is it the technology's fault? Not really. Fraud can happen with any payment method. It's about individuals making mistakes. Learn more about App Fraud and its implications in the latest episode of our podcast. We dive into the industry's response and the possible changes ahead. Notes: 💸 The banking industry is going to overreact to address app fraud: David explains why Zell draws the attention of criminals looking to commit payment fraud. [00:36] ❓ The systems that the customers are using operate exactly the way they were designed: is the financial institution responsible for the behavior of their customers? [03:07] 👉 While the banking industry should undertake any reasonable efforts to protect customers, it cannot absolve the customer from the responsibility for their actions: clients are informed that payment to the recipient is final and irrevocable. [05:35] Links: A resource from the Federal Reserve on how they will address fraud: https://explore.fednow.org/resources/fraud-at-a-glance.pdf Article on LinkedIn that has more on APP Fraud and Reg E: https://www.linkedin.com/pulse/does-reg-e-cover-scams-pj-rohall Email David: david@davidpeterson.com Connect with David: www.linkedin.com/in/dlpspeaks Learn more about David: www.davidpeterson.com Consult with David: www.i7strategies.com Sail with David: www.i7sailing.com…

Innovation Driven Growth

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Who Owns the Virtual Branch – Part 2 6:23

منذ 2 years6:23

6:23

Having the right leadership in place for your digital channels is extremely important. If you want your branch to have long-lasting success, it's time to find leaders who will bring your virtual branch up to the same level as your physical branch. A successful future needs innovative and open-minded leadership that is ready to push the strategic vision for your virtual branch forward and treat it with the same level of scrutiny as a physical branch. Show notes: ✅ 9 key points about virtual branches in banking that sum up Pinkston's article and the previous podcast episode. 01:14 👉 Vendors should be held accountable for the systems they deploy: a virtual branch senior executives should regularly communicate with all relevant vendors to discuss product roadmaps, suggest enhancements, and actively participate in user groups. 02:25 🔵 A senior executive of the virtual branch should have specific attributes and an open and innovative mind. 03:37 🫵 Bankers, own it! 05:13 Links: Blog post: www.bankers-bank.com/who-owns-the-virtual-branch-part-2 The article by Jessica Pinkston: “ Who Owns Digital? Ugh, That’s the Problem for Bankers ” Email David: david@davidpeterson.com Connect with David: www.linkedin.com/in/dlpspeaks Learn more about David: www.davidpeterson.com Consult with David: www.i7strategies.com Sail with David: www.i7sailing.com…

Innovation Driven Growth

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Where is the Virtual Branch located on your General Ledger? 16:01

منذ 2 years16:01

16:01

Setting up proper accounting for your virtual branch is crucial for future success. The value of your online presence must be clear and concise in order to foster the support and funding it needs from the leadership in your company, so it's time to start strategizing how to measure this. The truth is that it's very likely that your virtual branch is much more profitable than you think, but is being underrepresented in your general ledger. The future of your business may depend on the quality of the digital solutions that you offer, so start investing in your online services today! Notes 👉 The importance of setting the proper accounting in your General Ledger (GL). 00:52 ✅ Your virtual branch may include consumer online banking, online cash management/treasury services, mobile banking, executing payments, access to eCommerce and others can be part of the virtual branch. 02:08 ❗ You are probably not accurately representing the actual activity of customers on your GL: Peterson paints four scenarios to show you that. 04:23 💲 GL accounting is important because it drives executive decision-making on where money is spent. 08:25 ‼️ The virtual branch must have its own management and budget: the support of the virtual branch by the C suite and board must be equal to or exceed the support given to physical branches. 10:45 ⭐ Your virtual branch is likely your largest and most profitable branch: this exercise will not only highlight the need for a permanent change to your GL, but also make it clear that the virtual branch needs to be upgraded. 13:06 Links Email David: david@davidpeterson.com Connect with David: www.linkedin.com/in/dlpspeaks Learn more about David: www.davidpeterson.com Consult with David: www.i7strategies.com Sail with David: www.i7sailing.com…

Innovation Driven Growth

1
Lessons from GSBC – Whatever We Do, We Can’t Be Creepy! 19:54

منذ 2 years19:54

19:54

You can elevate your level of service with the way you use data mining. Targeting customers with suggestions and recommendations based on mined data needs to be done paternalistically and carefully to avoid being seen as creepy. The goal is to offer a higher level of service that maximizes convenience and personalization, but these personalizations must be communicated appropriately. If you have the customer's best interest at heart, find out how you can better serve them by utilizing data mining. 🧑‍🏫 David teaches a banking technology class at the Graduate Banking School at the University of Colorado: he helps them understand what kinds of decisions they'll make as senior executives in terms of evaluating and understanding technology. 00:58 4️⃣ Data mining can be used in many scenarios: David shares four examples. 02:54 👉 The creepiness is not how we feel about doing something, but how the customer feels. 05:43 🏦 Financial institutions can get very granular about how to use customers' data and behavior to provide a very high level of personal service: creepiness is in the eye of the beholder. 07:02 🤝 What banks could do with the data is likely paternalistic: it's all about benefiting the customers. 10:59 🗣️ How we communicate defines what's creepy. 12:36 ❓ A key question that we have to ask is, “What is the desired outcome for which this data mining is to occur?” 14:31 ✅ What most of us think is creepy is likely applied to older customers, particularly baby boomers or super seniors: younger generations expect you to use their data to provide highly personalized service. 15:31 🙂 Don't show the same ads to everyone - personalize the customer experience. 16:53 Links: Blog post: www.bankers-bank.com/lessons-from-gsbc-whatever-we-do-we-cant-be-creepy Email David: david@davidpeterson.com Connect with David: www.linkedin.com/in/dlpspeaks Learn more about David: www.davidpeterson.com Consult with David: www.i7strategies.com Sail with David: www.i7sailing.com…

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