{"id":364,"date":"2020-11-20T20:21:52","date_gmt":"2020-11-20T20:21:52","guid":{"rendered":"https:\/\/market-wisdom.com\/?p=364"},"modified":"2020-11-20T20:21:55","modified_gmt":"2020-11-20T20:21:55","slug":"financial-innovation-slumps","status":"publish","type":"post","link":"https:\/\/market-wisdom.com\/index.php\/2020\/11\/20\/financial-innovation-slumps\/","title":{"rendered":"Financial innovation slumps ?"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Background<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Fintech is all the rage in financial services today.&nbsp;&nbsp;But what is the innovation trend consumers perceive?  Is it possible  they think financial innovation slumps instead of proliferates?&nbsp;&nbsp;This post looks at 70 years of innovation in the category to better understand the long-term trends and implications.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Findings<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/market-wisdom.com\/wp-content\/uploads\/2020\/11\/Slide1.png?resize=820%2C586&#038;ssl=1\" alt=\"70 year trend shows potential that financial innovation slumps\" class=\"wp-image-365\" width=\"820\" height=\"586\" srcset=\"https:\/\/i0.wp.com\/market-wisdom.com\/wp-content\/uploads\/2020\/11\/Slide1.png?resize=1024%2C732&amp;ssl=1 1024w, https:\/\/i0.wp.com\/market-wisdom.com\/wp-content\/uploads\/2020\/11\/Slide1.png?resize=300%2C214&amp;ssl=1 300w, https:\/\/i0.wp.com\/market-wisdom.com\/wp-content\/uploads\/2020\/11\/Slide1.png?resize=768%2C549&amp;ssl=1 768w, https:\/\/i0.wp.com\/market-wisdom.com\/wp-content\/uploads\/2020\/11\/Slide1.png?w=1100&amp;ssl=1 1100w\" sizes=\"auto, (max-width: 709px) 85vw, (max-width: 909px) 67vw, (max-width: 984px) 61vw, (max-width: 1362px) 45vw, 600px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Shift from product to distribution:&nbsp;&nbsp;&nbsp;<\/strong>Innovation from the 50\u2019s to the 80\u2019s included a lot of new products.&nbsp;&nbsp;These were often driven by bank creativity and by banks supporting legislation that would benefit the consumers:&nbsp;&nbsp;credit cards, interest checking accounts, innovative mortgages, and index mutual funds.&nbsp;&nbsp;This has changed in the past 30 years.  Most innovation has been in&nbsp;<em>how<\/em>&nbsp;consumers access services, not in&nbsp;<em>what<\/em>&nbsp;they can access.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Shift from banks to disruptors:&nbsp;&nbsp;<\/strong>Early innovation was driven by the traditional giants.&nbsp;&nbsp;Bank of America pushed out the BankAmericard.&nbsp;&nbsp;Citibank designed the CD.&nbsp;&nbsp;Merrill Lynch created the Cash Management Account.&nbsp;&nbsp;But today, the innovation has come from non-traditional firms pushing out new technology to facilitate consumers\u2019 interaction with money:&nbsp;&nbsp;Apple Pay, BitCoin, Kickstarter, Venmo, Betterment.&nbsp;&nbsp;&nbsp;Traditional banks and brokerages have been playing catchup with their version of robo advisors and P2P payment systems (e.g. Zelle).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Shift from full-service to self-service:&nbsp;&nbsp;&nbsp;<\/strong>Most innovation of the past 30 years has enabled consumers to do it on their own \u2013 digital banking and brokerage, online investment tools, mobile deposits.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Intuitive leaps, not consumer requests:  T<\/strong>he list of innovations, from credit cards to P2P payments, has been driven by creative leaps, not consumer request.&nbsp;&nbsp;Henry Ford famously remarked that if he\u2019d asked people what they wanted, they would have answered \u201cfaster horses\u201d.&nbsp;&nbsp;Similarly, financial innovation has often met a need that consumers did not articulate \u2013 but that creative strategists realized provided an opportunity to both help customers, and make money.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Implications<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Whither banks?&nbsp;&nbsp;Despite large banks spending big money on strategy and product development, for them financial innovation slumps.&nbsp;&nbsp;More productive paths have been via collaborations (<a href=\"https:\/\/en.wikipedia.org\/wiki\/Zelle_(payment_service)\">Zelle<\/a>) or buying startups (Black Rock buying the robo advisor Future Advisor).&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Innovation isn\u2019t something you ask a consumer to define, despite the millions of dollars the industry spends on focus groups and surveys to understand consumer needs.&nbsp;&nbsp;No question consumer attitudes, behavior, and financial realities should influence thinking on innovation, but it\u2019s clear you need the creative people to take that and generate next-generation ideas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">More broadly, where is innovation headed?&nbsp;&nbsp;How many more tools, apps, and currency will actually add value?&nbsp;&nbsp;Previous posts have suggested that no one has found a solution to helping most Americans save and invest in a way that benefits them.&nbsp;&nbsp;In fact innovation may cause <a href=\"https:\/\/market-wisdom.com\/index.php\/2020\/10\/02\/consumer-freedom-or-addiction-100-years-of-breakthrough-banking-innovation\/\">consumer harm<\/a>.  Absent a financial innovation leap forward in this area, everything else may just be window dressing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em><a href=\"https:\/\/market-wisdom.com\/index.php\/sign-up-for-cool-weekly-insights\/\" target=\"_blank\" rel=\"noreferrer noopener\">Sign up for the weekly insights email!<\/a><\/em><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The small print<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The list of innovations and their categorization is all my opinion.&nbsp;&nbsp;&nbsp;We could argue over if an ATM is a product or a distribution innovation.  I welcome the debate!&nbsp;&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Background Fintech is all the rage in financial services today.&nbsp;&nbsp;But what is the innovation trend consumers perceive? Is it possible they think financial innovation slumps instead of proliferates?&nbsp;&nbsp;This post looks at 70 years of innovation in the category to better understand the long-term trends and implications. Findings Shift from product to distribution:&nbsp;&nbsp;&nbsp;Innovation from the 50\u2019s &hellip; <a href=\"https:\/\/market-wisdom.com\/index.php\/2020\/11\/20\/financial-innovation-slumps\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Financial innovation slumps ?&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-364","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Financial innovation slumps ?<\/title>\n<meta name=\"description\" content=\"Financial services innovation has changed in the past 30 years. 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