We are entering a new age of significant technological disruption. Understanding how to transform, how to innovate and how to reorient your business is the key to unlocking the opportunities this disruption is sure to bring.

Digital Transformation

Dealing with disruptive technological change is the great challenge of our age. Managing digital transformation is therefore essential for organizations that want to survive and thrive.


Successful transformation managers must involve the whole organization in change. They need to quickly understand the current state of affairs, bring all stakeholders together on a common vision for the future, and define and implement the most effective levers of change. Speed is of the essence. Effective transformation managers should be able to carry out an assessment, find agreement on a common vision and develop a transformation plan within the first 100 days.


The challenges can look daunting, but managing transformation is a skill that can be learned. With the right mindset, methods and processes, organizations can turn disruption into creative renewal, to the benefit of themselves and their clients.

Innovation Orchestration

Modern organizations must constantly innovate to survive. But many see innovation as a daunting challenge – particularly for large, complex enterprises, with multiple business lines and geographies.


It need not be. Effective innovation can – and should – be orchestrated. The process begins with understanding business priorities and identifying the relevant technological trends. Managers must decide on what tech they would like to test, and, ideally, validate their hypotheses using small teams located outside normal business lines. While many ideas may not ultimately prove useful, those that make it through the process are likely to be gems.


Creative but methodical innovation programs can deliver outstanding results, quickly becoming part of an organization’s DNA. Done right, they can also cost very little compared to the impact they have.

Business Model Re-creation

Disruptive technological change is not just transforming how we run our businesses. It is also changing what those businesses are.


In banking, digital disruption and innovation is breaking up the traditional value chain. That means banks will have to rethink their business models. And make some difficult choices.


Whether focusing solely on transactions, products or clients, or developing a hybrid approach, business model re-creation will be key for banks wanting to master today’s transformational challenges. It is not an easy task. But done right, it can be a rewarding one.

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