Sarah BillerCapital Market Exchange sarah.biller@capmktexchange.com

#CapMktXwww.capital-market-exchange.com

Approaching Internal Innovation like a

Start-up

$41.5 billion

Sources: Federal Reserve Bank of Atlanta, Office of Federal Registrar Code of Financial Regulations, Ovum Market Research, CNBC

3.68%

9x163,33

3

Banks are organizations

structured to execute on a repeatable and

scalable business model that [does not]

fail.

Start-ups are agile organizations seeking a scalable business model that may fail before it succeeds.

Y

E.V.P.

T^3

The Concept of aMinimally Viable Product

M.V.P.

Source: Roman Pichler

M.V.P.Minimally Viable Product

E.V.P. Minimally

Exceptional Viable Product

Source: Rand Fishkin http://moz.com/rand

Pathetic

Good

Truly Impressive

Most amazing

thing your customers have seen

Qu

alit

y o

f In

novati

on

Impact Harmful Small Decent Massive

Many MVPs launch here

EVP’s

T^3

Team :: Technology :: Tracking

T^3

Team :: Technology :: Tracking

Hustler

Hacker

Hipster

T^3

Team :: Technology :: Tracking

DifferentiateBank

Optimize / Margin

Improvement

Create a New

Market

EvolutionaryChange

Create a New Technology

Disrupt

Leverage an Existing Technology

Sustain

T^3

Team :: Technology :: Tracking

Traditional

1

3

$ worth 2

“Y”

Root Cause =

Why^5

“Y”Questions

?