Cultivating Next Big Idea - CUNA€¦ · Up to 15 percent of new sold cars sold in 2030 could be...
Transcript of Cultivating Next Big Idea - CUNA€¦ · Up to 15 percent of new sold cars sold in 2030 could be...
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C U L T I V A T I N G Y O U R C R E D I T U N I O N S N E X T B I G I D E A
June 2018
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R Y A N F O S S – M A N A G I N G D I R E C T O R , I N N O V A T I O N , F I L E N E R E S E A R C H I N S T I T U T E
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F I L E N E R E S E A R C H I N S T I T U T ET H I N K . D O . C H A N G E .
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OBJECT I VES
4
ØInnovation InspirationØThe Case for InnovationØInnovation ProcessØInnovation Culture
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E D P H I L L I P S A N D S O N S
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1989
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P H I L L I P S D I S T I L L I N G C O M P A N Y
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1 9 9 5
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2002
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W H A T D O E S T H I S H A V E T O D O W I T H C R E D I T U N I O N S ? ? ? ? ?
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“Progress is the constant replacing of the best there is with something still better.”
E D F I L E N E
I N N O V A T I O N
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D I S R U P T I V E I N N O V A T I O N
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I T ’ S N O T A B O U T S I Z E O R M O N E YY O U D O N ’ T H A V E T O B E A B I G D O G !
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S T A R T - U P T A K E S O N T A X I S
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T H E R E A L S I Z E O F A N Y M A R K E T ?
$1.7B U B E R I N S A N F R A N C I S C O – F I R S T P R O F I T A B L E Y E A RN O N O T I C E A B L E D E N T I N T A X I C A B R E V E N U E
“Game Changers: A Research Symposium” Filene, November 2015
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U B E R P O O L : H O W L O N G W I L L I T T A K E & W H O W I L L I R I D E W I T H ?
P R O T O T Y P E . R I N S E . R E P E A T.
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SUMMARY SLIDES
Consumer Insights on Autonomous Vehiclesas an Impending Market Disruption
Hope Jensen Schau, Professor, Department of Marketing, University of Arizona Alexander Ian Schau, Graduate Student, University of Arizona
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A U T O N O M O U S C A R S
Up to 15 percent of new sold cars sold in 2030 could be fully autonomous .. McKinsey -Automotive revolution – perspective
towards 2030
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Consumer Insights on Autonomous Vehicles
THE POTENTIAL DIRECT IMPACT
23
…What about the indirect impacts?
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T H E R A B B I T H O L EO R G A N D O N A T I O N
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T R A N S P O R T A T I O N
T H E R A B B I T H O L E
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D M V A N D H I G H W A Y P A T R O L
T H E R A B B I T H O L E
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G A R A G E S
T H E R A B B I T H O L E
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A U T O I N S U R A N C E
T H E R A B B I T H O L E
40%
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Prepare for a changing vehicle marketplace.
Get innovative with financing—develop models for leasing and car sharing.
Create new insurance offerings—meet members’ changing vehicle insurance needs.
Research the fleet market—experiment with a pivot away from individual ownership towards fleet models.
Leverage credit unions’ reputation for cooperation and trust—these are critical differentiatorsin the access economy.
CREDIT UNION IMPLICATIONS
29 Consumer Insights on Autonomous Vehicles
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M Y T O P T H R E E C U R R E N T G A M E C H A N G E R SC A N ’ T L I V E W I T H O U T
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W H A T A R E Y O U R G A M E C H A N G E R S ?C A N ’ T L I V E W I T H O U T
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I N S P I R AT I O N
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I N S P I R AT I O N
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A I R B N B A N D C R E D I T U N I O N S ?
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S A F E - T O - S P E N D2 5 - 3 0 S A V I N G S R A T E = 3 - 5 % | A T S I M P L E S A V I N G A T 4 0 %
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M A C H I N E L E A R N I N G A N D U N D E R W R I T I N GZ E S T F I N A N C E
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L I F E A F T E R D E B T P A R T Y
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O U R I N D U S T R Y ’ S E X A M P L E S
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W I L L B E D O N E
64% of Americans don't have a will. Of those without a plan, about 27% said there isn't an urgent need for them to make one — and 15% said they don't need one at all.
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W I L L B E D O N E
ØTakes less than 5 minutesØThe basic information needed to start
the will processØCommunicated in a fun and
lighthearted toneØ Save your work and send to emailØDoes not need to be integrated into
your systems to testØProduces a will preparation kit to bring
to lawyer
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M E M B E R M E G A P H O N E
• Referral app designed to help credit unions seamlessly tap into the power of organic growth through member and employee referrals
• Tracks results and assigning rewards at the tap of a finger
• The app assigns a unique code and tracks the referrals, including who referred, number of referrals, and who accepted the offer.
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M E M B E R M E G A P H O N E
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T E S T I N G O P P O R T U N I T I E ST H E M O V E M E N T N E E D S Y O U
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T H E C A S E F O R I N N O V A T I O N
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G R E A T I D E A S E Q U A L H I G H E R P R O F I T S
https://sloanreview.mit.edu/article/are-innovative-companies-more-profitable/
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Companies whose innovation strategies are clearly aligned with their business & cultural goals
17% Higher Profit Growth
• Booz & Company 2011 Study (Global Innovation 1000)
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A T T R A C T I N G O U R N E X T G E N E R A T I O N
→ Average age of adult credit union member: up to 47!
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C O - O P S A R E C O O L !
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B E S T K E P T S E C R E T
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F I L E N E I N N O V A T I O N M E T H O D1 0 + Y E A R S I N T H E M A K I N G
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I N R E A L I T Y “ I N N O V A T I O N ”F E E L S M O R E L I K E T H I S
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H U M A N - C E N T E R E D D E S I G N
Not Here Not Here
Start Here
What do people desire? Are you solving a problem in a way that is attractive
to people?
What can be financially viable? Can we justify the
expenses of creating and
maintaining the solution?
What is technically and
organizationally feasible?
Technology, Talent, and Infrastructure
// Solutions that emerge should overlap all three lenses //
Source: IDEO Human-Centered Design Toolkit
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T H E H C D P R O M I S E
HCD will help you hear from constituents in new ways, create innovative solutions to
meet these needs and deliver solutions with financial sustainability in mind.
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T H R O U G H Y O U R M E M B E R S E Y E S
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W H A T B L O C K S S U C C E S S ?
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W E ’ V E A LW A Y S D O N E I S T H I S W A Y
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P E O P L E A N D P E R S O N A L I T I E S
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P E R F E C T I O N I S M
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I N N O V A T I O N I S N ’ T P E R F E C T
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A V E R S I O N T O F A I L U R E
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L I F E I N S U R A N C E I N A B O XW H A T ’ S Y O U R P R O U D E S T F A I L U R E ?
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L E A R N T O L O V E R I S KT H I S I S A S A F E S P A C E
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L A C K O F F U N D I N G
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D R E A M T E A M
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H I P S T E R
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H A C K E R
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H U S T L E R
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N O W I T ’ S Y O U R T U R N