Cet article pousse le bouchon à l'extreme mais à le mérite de mettre en avant des évolutions qui doivent aujourd'hui être considérées comme acquises.
what is innovation?
Let’s define it ... I don’t like half-page elevator statements so my definition goes more like: Innovation: the method of creating compelling new ways of doing things that open up new markets or radically disrupt existing markets.
....
Certainly, mobile payments and prepaid, which were the focus of last week’s discussions, are innovating retail payments. They are opening up new markets for electronic services that displace cash. That is why they are good for the producers, the banks, as any cash displacement makes finance more efficient because it’s getting rid of paper. And paper accounts for six out of seven transactions today.
But mobile and prepaid have been trying to disrupt this space for half a decade. I first started talking about mobile as a payments mechanism back in 2004 when NTT DoCoMo started showing us the way.
Therefore, the fact that mobile is now mainstream is no longer innovative. The innovation has happened. A bit like online payments with PayPal happened. And prepaid is an innovation – creating new compelling markets based upon existing technologies – but it’s also happened.
These things are here. That’s why I don’t call them innovations, as innovation is what I look for before it happens.
When you see Web 2.0, it’s too late.
When you see Facebook and wonder whether to compete with it, it’s too late. It's already dominating.
When you see everyone talking about mobile payments, it’s too late. They've taken off.
When you hear everyone discussing prepaid cards, it’s too late. Everyone's got one.
... So what is innovative today? Wireless payments.
This is contactless, but it’s more than that. It’s wireless, free-form payments built into objects, clothing, watches ... anything. Wirelessly communicating electronic payment tools for consumers....
source: http://thefinanser.co.uk/fsclub/
Affichage des articles dont le libellé est innovation. Afficher tous les articles
Affichage des articles dont le libellé est innovation. Afficher tous les articles
mercredi 23 septembre 2009
mercredi 9 septembre 2009
L'archivage des relevés, un outil de fidélisation ?
La durée d'archivage des documents et donc leur disponibilité va l'espace client peuvent devenir des éléments différenciants. Certains facturent des archivages de longue durée. Et netbanker y voit même un élément de fidélisation de la clientèle.
Repéré par netbanker.com
http://www.netbanker.com/WindowsLiveWriter/ChaseBankRewardsEstatementswithSevenYear_8692/image_2.png
http://www.netbanker.com/WindowsLiveWriter/ChaseBankRewardsEstatementswithSevenYear_8692/image_2.png
innover sur la crise: Rendez votre voiture si vous êtes licencié
Innovation de crise: "on est dedans ensemble et on s'en sortira ensemble". Au printemps dernier Hyundai proposait un système permettant de rendre la voiture que l'on vient d'acheter pendant un an si l'on est licencié: bilan 14% d'augmentation des ventes alors que les autres constructeurs voyaient leurs ventes plonger.
Hyundai has announced that its popular Assurance Program now includes 90 days of payment relief if a buyer is laid off within the first year of vehicle ownership. The Hyundai Assurance program that runs from Feb 23rd to April 30, 2009 allows buyers to return their vehicles if they lose their jobs within the first year that they own them. The Assurance Plus program takes the step one step further by providing a one-time 90-day payment relief benefit. The Assurance Program is credited with Hyundai's sales increasing 14.3 percent while almost every other automaker was down last month.
"We continue to look for ways to help consumers in this challenging economic environment, so we're offering unprecedented financial protection when they finance or lease a Hyundai," said Joel Ewanick, vice president, Marketing, Hyundai Motor America. "With our 10-year, 100,000-mile warranty, Hyundai Assurance, and now Hyundai Assurance Plus, we're telling consumers that we are all in this together, and we'll get through this together."
source: http://www.thetorquereport.com/2009/02/hyundai_assurance_plan_adds_90.html
Hyundai has announced that its popular Assurance Program now includes 90 days of payment relief if a buyer is laid off within the first year of vehicle ownership. The Hyundai Assurance program that runs from Feb 23rd to April 30, 2009 allows buyers to return their vehicles if they lose their jobs within the first year that they own them. The Assurance Plus program takes the step one step further by providing a one-time 90-day payment relief benefit. The Assurance Program is credited with Hyundai's sales increasing 14.3 percent while almost every other automaker was down last month.
"We continue to look for ways to help consumers in this challenging economic environment, so we're offering unprecedented financial protection when they finance or lease a Hyundai," said Joel Ewanick, vice president, Marketing, Hyundai Motor America. "With our 10-year, 100,000-mile warranty, Hyundai Assurance, and now Hyundai Assurance Plus, we're telling consumers that we are all in this together, and we'll get through this together."
source: http://www.thetorquereport.com/2009/02/hyundai_assurance_plan_adds_90.html
mardi 8 septembre 2009
lundi 31 août 2009
social shopping is good for business
Isn't it more fun buying clothes with friends ? Charlotte Russe enables you to do social shopping by sharing your e-shopping with friends (via facebook twitter or myspace) from different locations. Like in real life, as your friends accompany you and see the products, they can give you advice and comments helping you choose on line like teens (and let say matures) often do off line in stores.
Have a look at http://www.charlotterusse.com and click on share item or shoptogether (bottom of the screen).
more information on http://www.dmnews.com/Social-shopping-is-poised-for-growth/article/147162/
source: colloquy
Have a look at http://www.charlotterusse.com and click on share item or shoptogether (bottom of the screen).
more information on http://www.dmnews.com/Social-shopping-is-poised-for-growth/article/147162/
source: colloquy
how a retailer can use social tools
For those who wonder what facebook and others community tools can change in the customer relationship management. CRM is changing deeply and loyalty program providers will have to evolve.
Have a look at Charlotte Russe community on facebook, myspace and youtube. And how twitter is used.
http://www.facebook.com/CharlotteRusse
http://twitter.com/CharlotteRusse
http://www.youtube.com/CharlotteRusse
http://www.myspace.com/CharlotteRusse
Have a look at Charlotte Russe community on facebook, myspace and youtube. And how twitter is used.
http://www.facebook.com/CharlotteRusse
http://twitter.com/CharlotteRusse
http://www.youtube.com/CharlotteRusse
http://www.myspace.com/CharlotteRusse
mardi 25 août 2009
innovation et tenacité
L'inventeur du célèbre WD-40 est décédé cet été. Le WD-40 est une huile nettoyante, lubrifiante qui protège contre l'humidité (ex: les circuits électriques) et la corrosion. WD-40 veut dire Water displacement, 40ème essai. Comme quoi les coups de génie.....
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