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This year, our annual flagship event Innotribe@Sibos celebrates its fifth anniversary. Running throughout Sibos week, the event offers a comprehensive programme exploring a range of topics crucial to the financial industry.


Innotribe@Sibos in Dubai will once again bring together a powerful combination of world experts to participate in an exciting mix of keynote sessions, case studies, and interactive immersive discussions and learning experiences.

Last year in Osaka, the Innotribe space was a fantastic spacious tent in the middle of the conference patio. It just looked gorgeous! This year, we have a really big conference room accessible from the main conference area through a tunnel. The tunnel will be a magical transition between the more traditional Sibos environment and the subterranean Innotribe Space. The tunnel will also serve as an area for exposition, informal gathering and special multimedia experiences. I have seen some early designs for the space and tunnel, and it all has a very “clubby” feeling to it. It made me think of clubs of the 80’ies with a Vive-la-Fête feeling to it. Just play the video/music below while you read the rest of the post: you’ll get into the rythm :-)

The space and the tunnel are part of the experience, and therefore the tagline for this year’s Innotribe@Sibos is

“There is light at the end of the tunnel”

creating a positive inspiring environment, looking into the future with a mindset of progress, hope and purpose.


Building on the feedback we’ve received over the last few years, we have tried to observe the following principles in the design of this year’s programme:

  • Less topics, but more depth;
  • Keep the freshness and relevance of the themes and topics;
  • Keep the uniqueness of the Innotribe format: highly interactive and immersive group learning experiences;
  • Discovery, awareness, future oriented;
  • A healthy mix of technology and non-technology subjects (societal impact);
  • Introducing the concept of “journeys”, so that you can follow a track from A-Z as a learning curve, or pick and choose depending on your familiarity and expertise with the topic;
  • Our ambition remains to co-discover, co-design, co-create and co-deliver.


We have selected four major themes that will be:

Value/Wealth 3.0

  • Continuing from previous conversations on The Future of Money, Banks for a Better World, Social Business, and the great re-definition of wealth and well-being. New are topics on Design Thinking, Investment Management 2.0 and Intangible Assets. We have also partnered with www.happathon.com to crowdsource a global measure of well-being versus wealth.


Innovation 3.0

  • Or the re-invention of innovation. In many organisations, the discussion about innovation is hampered by a low quality and polarizing dialogue; incremental vs disruptive, core vs non-core, internal vs external. We can do better: there is a simple line running from where companies were and the processes they needed thirty years ago to a highly externalized enterprise that carries new rules and needs new processes.
  • We will also discuss new models from other industries and emerging markets – Jugaad, Shanzai, Reverse Innovation – and inject new thinking modes like design thinking, scenario thinking, business model thinking.
  • Last but not least, we will engage you in an interactive game/experience to discover a day in the lifetime of a creative banker.

Start-me-up 3.0

  • Whereas the previous two streams are maybe more conceptual, this stream is all about actual innovations, where the “rubber meets the road”.
  • In “The future is already here”, we have invited some awesome speakers that will shake the tree and showcase some mind-blowing innovations in financial industry.
  • We will also discuss the outcome and ways forward for the “Hypertribes” model, a possible new way to accelerate innovation for the industry at large.
  • This stream culminates in the Grand Finale of the Innotribe Start-Up Challenge 2013.

Network Insights 3.0

  • The networks that we are part of can be looked at as dynamic fluid systems. What if you could tap into the intelligence buried in these data currents?
  • What about combining quantitative and qualitative data streams that lead to early warning systems for growth and resilience that can inform future scenario thinking? Could these new technologies lead to new insights for better informed risk management policies?
  • Topics include network cartography, natural language generation, fraud detection, and pattern recognition.

Throughout the week, we will use the tunnel as a hospitality and exposition zone, with fascinating demos about artificial intelligence, augmented reality and multi-media interactivity. And as usual, the whole program is peppered with a whole range of props, humour and fun.



The Innotribe Startup Challenge 2013 introduces the world’s most promising FinTech and financial services start-ups to the global community of financial institutions, venture capitalists, angels and influencers actively investing in innovation. Innotribe@Sibos will host the Grande Finale of the 2013 Challenge, following regional showcases in the America, EMEA and APAC.  From a total of more than 200 candidates, the 15 very best start-ups of 2013 will compete in front of a live audience and professional judge panel for a cash price of 50,000 USD.

ISDC banner Mela white bkg

Who should attend?

Innotribe@Sibos is open to all who come to Dubai. It brings together strategists, business and technology leaders, trend-setters and trend-watchers, and thinkers interested in taking action and shaping the future. In short, anyone keen to find out how the world is changing and what that means for our industry.

Why attend?

Join us to discover new business and technology trends; share and discuss ground-breaking ideas for co-investment; and challenge each other to build theoretical concepts into tangible prototypes in professionally facilitated workshops.


Innotribe at Sibos 2013 will celebrate its fifth edition with four days of intense inspiration and interactive immersive learning experiences. This is the place to get inspired, where you can share and discuss ground-breaking ideas, connect with great people, challenge each other in professionally facilitated workshops, and most of all… have fun.

Innotribe is about being infected

by irresistible contagious enthusiasm

of open-minded, curious

and passionate people


You can follow the progress of our program on the Sibos website as speaker announcements continue between now and September. Follow our daily tweets at http://twitter.com/innotribe or visit the website to find out more about  all Innotribe-related sessions at Sibos: www.sibos.com

We look forward to seeing you in Dubai!


By @petervan from the Innotribe team

Cross-Posted on Innotribe Blog



Twitter: @innotribe and @petervan

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Amplify Festival of Innovation & Thought Leadership-powered by AMP and now is Australia’s largest business innovation gathering of world-leading experts, entrepreneurs and thought leaders.


Amplify Festival 2013 is themed: Shift Happened > Transformation Required. It will explore the irreversible shifts triggered by the triple revolution of digital, social and mobile technologies and the implications for business models and business transformation, including the Future of Work.

Who attends

Now in its 10th year, Amplify is both AMP’s internal catalyst for change AND open to the public. Already 12 CEOs and 24 C-suite executives from Australia, Singapore, Japan, and China’s leading corporations have snatched up the limited number of tickets (only 80) reserved for business leaders of the Asia-Pacific region.

Please don’t keep this a secret- your clients and friends will love you for passing on this opportunity to deeply engage with today’s business transformation challenges!

International cast of 35

Check out the depth of international thought leaders around Emerging Trends and Disruptive Technologies, Skills for the Future, Business Model Transformation; Enterprise Systems, Multi-channel Immersive experiences and Organisational Change that will be speaking at Amplify Festival.

People like Lucy Marcus ( From Reuters’ “In the Boardroom with Lucy Marcus”); Jason Pontin ( Editor-in-Chief MIT Technology Review); Saul Kaplan ( Founder Business Innovation Factory) , Peter Vander Auwera ( Founder Corporate Rebels and Innovation Catalyst for SWIFT’s Innotribe); Howard Lindzon ( Founder & CEO Stocktwits), JP Rangaswami (Chief Scientist Salesforce) ; Sherwood Neiss (Founder & CEO Crowd Capital); John Heinsen ( Digital Producer OSCARS), Michael Schrage ( MIT Media Lab) , to name but a few of the international cast of 35!

The full programme can be viewed and tickets purchased via the website at http://www.amplifyfestival.com.au

The Early Bird (Festival pass) offer closes 15 April. We also offer day passes, breakfasts, workshops, our ever popular $10 event, The Bright Sparks Pitch Night for PhD Students and free access to the EXPO in Sydney on 7 June.

Call to action

This is going to be the biggest ever Amplify! If you are a leader in a large corporation today, can you afford NOT to be there?


Annalie Killian
AMP Director of Innovation & Amplify Festival,
Twitter: @Amplifyfest @Maverickwoman

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Rebel Jam

HOLD THE DATE May 30 – 31: 24-hour online rebel jam



Only creative rebel thinkers would hold a free, online 24-hour Rebel Jam with new speakers, inspiring entertainment and provocative discussions every hour, with hosts from Europe, North America and Asia.

There’s such a global groundswell of interest in how rebels can positively change business, government, education, healthcare and the world itself, that we thought it was time for rebels to share their stories and practices with as many people in the world as possible, in the easiest, least expensive way.

All you’ll need is to be able to connect to the Internet and clear your calendar.  Thanks to the generosity of Cisco, which is providing WebEx technology to us, we are able to do this jam free of charge.

You can tune in any time – or all 24 hours if you’re one of the crazy ones – to learn from thought leaders and Rebels about:

  • What are the big shifts that require our organizations to respond in fundamentally different ways to achieve dramatically higher levels of velocity
  • What has helped Rebels to be successful?
  • Set backs and obstacles Rebels experienced and how they’ve navigated through them.
  • Habits that help them stay creative, positive and respected.

There will be time after each speaker for questions and conversations to encourage as much learning and camaraderie as possible in an online way. We’ll also be inviting performers and artists to share and perform their work with us to fill our rebel spirits, and just have some fun.

The conference kicks off on May 30 at noon in Europe/6 a.m. North America East Coast; 3 a.m. North America Pacific, and 8 p.m. Sydney.

If you’re interested in speaking or performing, please contact Peter (p.vanderauwera@gmail.com) from Corporate Rebels United or Lois Kelly (lkelly@foghound.com) from Rebels at Work. We will soon reach out to thought leaders, rebels, and performers and provide an updated 24h schedule of activities.

So for the time being, HOLD THE DATES!

24h Rebels Jam: a joint initiative of Corporate Rebels United and Rebels At Work



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This blog post shares some more details about the Digital Asset Grid session. The session Digital Asset Grid will take place on Wednesday 31 Oct 2012 from 16:00 till 17:30 in the Conference Room-3. It is part of the Main Conference sessions of Sibos. The overall Innotribe Program at Sibos here, and I try to keep that post up-to-date with the very latest speaker and program announcements.

I have written extensively about the Digital Asset Grid in previous blog posts. Most recently in Banks-as-a-Platform and the Cambrian Explosion of Everything, all reflections on what it means to live in a hyper-connected world, to be immersed in the digital age.

We swim in a sea of data and the sea level is rising rapidly. Tens of millions of connected people, billions of sensors, trillions of transactions now work to create unimaginable amounts of information. A new environment requiring a lot of adaptability. We are species from the land that have to learn to live in the ocean. Like camels that used to live in the desert, that now have to survive in the ocean.

A new environment requires a new design.

The digital age and making the new design presents both threats and opportunities for Banks:

  • Dis-intermediation and erosion of market share by new entrants, telco’s and dominant technology companies threaten the position of Banks – and are increasing in velocity – reducing margins and profitability.
  • But there are also opportunities: new sources of rich information are multiplying, and the information that is available is being digitised.

Every business is becoming a digital business,

also banks and financial institutions

However, the potential benefits of the explosion in number of nodes and the data volume explosion are being squandered due to low levels of trust, concerns about security, and barriers to monetisation. The Digital Asset Grid has the ambition to tackle these challenges.

The Digital Asset Grid is a research project by Innotribe, SWIFT’s Innovation initiative for enabling collaborative innovation.

The Digital Asset Grid is probably one of the most forward-looking incubation projects of Innotribe.

The project proposes a new infrastructure

for banks to provide a platform

for secure peer-to-peer data sharing

between trusted people, businesses, and devices

The Digital Asset Grid does for data what SWIFT has already done for payments: providing a new scalable global network that supports “digital data banking”, a trusted peer to peer sharing of any digital asset between two or more nodes on the network. Banks existing qualities in management of de-materialized assets (today this is money but tomorrow this will be data), trust, regulatory compliance, market coverage and risk management puts them in a unique position to assume this role.

Indeed, with the Digital Asset Grid, we believe we are setting the direction for creating an internet-scale digital platform for information logistics.

The Digital Asset Grid acts as a digital map which describes:

  • The location of the data,
  • The trust framework governing access,
  • The digital identities who have access to that data, and
  • The usage rights these identities have under trust frameworks.

It overcomes the “data frictions” such as lack of security and trust and enables data to flow, leading to the creation of a low cost eco-system of revenue generating apps & services.

In addition, the Digital Asset Grid leverages SWIFT’s core skills and competences regarding governance, identity, security and operational excellence, establishing thus a global data-sharing platform as ubiquitous and reliable as today’s global banking network.

As part of the research, we wanted to go beyond mere PowerPoint presentation of a concept. What we have done is building an end-to-end prototype, with working applications and a working back-end infrastructure, together with a solid business story that is the result of a consultation with several banks of our community. In addition we produced a “foresight”-video of possible use cases.

Innotribe and its collaboration partners will present this prototype at Sibos on Wednesday 31 October 2012 from 4pm – 5:30pm in Conference Room 3. The session is part of the Main Conference Sessions of Sibos.

What we will show-case is:

  • A very strong opening with a strategy story by Antonio Benjamin – Global Chief Technology Officer & MD Citi GTS/ICG
  • A exciting intro into the changes in the digital data landscape
  • A brand new HD video – in the style of “Flowers for Grandma” and “Fly me to the Moon”, taking you into a not so far future 2013-2014, and showing in life environment of what is possible with current technology and the apps that we have built as part of the prototype.
  • A working prototype of the Digital Asset Grid server, server code and APIs
  • 4 applications illustrating the power of the Digital Asset Grid; some apps are relevant for the retail space, others are more relevant in a B2B context.
  • A compelling Business Story, where the opportunities are categories in three groups:
    • Creating new revenue streams through monetization of existing and new data assets
    • Doing the same better
    • Delivering New Services

But it would not be Innotribe if we added some elements of performance and interactivity. I can’t reveal everything in this blog post, but the staging of this session will include a motorcycle and smoking server.

Also, we will have facilitated breakout sessions to create an immersive learning experience for the audience. In these breakouts you will have the opportunity to get into person-to-person conversation with the developers of the applications and the back-end infrastructure, and the partners who have built the Business Story.

And at the end, Yobie and senior representatives from two other major banks will wrap-up the sessions with some suggestions on the way forward. And we’ll have some other surprises and some very cool announcements, which of course I cannot share now, if not you would not come to the session ;-)

The Digital Asset Grid offers Banks the opportunity to transform their industry, making them and their customers more efficient, generating new value and enabling Banks to launch a range of new services – it is a game changer.

The financial industry has a unique chance to seize this opportunity and position themselves in a very compelling competitive position in a future of real-time information logistics.

I cannot enough emphasise the importance of the Banks-as-a-Platform meme: it means that the value creation moves from the centre to the nodes. The market used to think in monopolistic, silo-ed service providers, that put themselves in the middle of the nodes-universe, leading to non-interoperable silos of data and value creation. By moving from a central to distributed architecture at internet-scale, banks suddenly have the opportunity to be themselves the platform, with SWIFT as a shared beacon of governance and trust.

I believe this is a “good” project. Good for our industry. It comes at the right time and at a tipping point where we see an evolution towards a peer-to-peer economy between trusted nodes in the grid.

It is fantastic that SWIFT – through the Innotribe Incubation Fund – makes this sort of research and experimentation projects possible.

Incubation is in my opinion indeed about “catalysing ideas”: it is about setting waves of thinking into motion, planting seeds in the brain, and getting the chance to develop those ideas in full so that they become foresight scenarios that become in their turn reference points for decision making.

Only when you have some strong foresight scenario/reference in your brain, you can spot and recognise the disruptive change signals from the market and make relevant and inspired decisions on “what would I do if this scenario happens?”

The Digital Asset Grid is one of those foresight scenarios of a catalysed idea, a strong testimony that innovation beyond adjacencies can happen in more traditional environments.

The team has done a great job in depicting the “foresight reference model” of a not-so-far-out possible future. The test for our community will be to validate whether we can rally ourselves to take the foresight model out of its incubation sandbox and move it to the next phase of acceleration and do it for real.

I am very excited to be able to share soon with a wider audience the results of the last couple of months of hard work, and I am very curious to see how and when our industry will seize this opportunity. I feel privileged to witness this turning point, and I am deeply grateful to the team, the customers, and SWIFT who made all this happen.

See you all in Osaka! Wednesday 31 Oct 2012, at 16:00 in Conference Room-3.

By @petervan from the Innotribe team

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A couple of weeks ago, I was attending #BIF8 conference, organized by Saul Kaplan and his team. I was there 2 years ago, when Keith Yamashita from SY Partners did his fabulous talk on “Should I Dare to be Great?”

With hindsight, I found that that 2010 edition of BIF was better curated and had a more consistent level of high quality of speakers or “story tellers” as they are called at BIF.

Whereas 2010 was great, 2012 was good. This year, I was missing that consistency in quality. But there was clearly a theme emerging from the different talks. Initially it was a bit blurry for me what the theme was: companies are communities, creators of serendipity, human community movements, platforms for movements,… ?

In any case, it was clear that something deep is changing about what a company is all about. It made me think about the 1997 (yes, 1997!) book “The Living Company: Growth, Learning and Longevity in Business” by Arie De Geus (Amazon Affiliate Link).

The foreword by Peter Senge highlighted the big shift that is described in this wonderful book:

“The contrast between these two views – thinking about a company as a machine for making money versus a living being – illuminates a host of core assumptions about management and our organizations”


“Seeing a company as a living being leads to seeing its members as human work communities”

Most decision makers in our organizations have and still are trained in the model of the organization as a money making machine. Because this model almost completely ignores the fact that organizations are made out of people, human beings of flesh and blood and emotions and not “human resources” that you can just move around on the check board like physical resources, this has created in many companies an almost toxic environment with little room for happiness.

“Corporate health is experienced as work stress, endless struggles for power and control, and the cynicism and resignation that results from a work environment that stifles rather than releases human imagination, energy and commitment. The day-to-day climate of most organizations is probably more toxic than we care to admit, whether or not these companies are in the midst of obvious decline”

In addition, most of our marketing and strategy managers have been trained in fundamentals like the 4 P’s, the 5 C’s, etc by management gurus like Drucker and Kottler.

Andrew Stein recently posted a blog in defense of Kottler and Drucker, in essence claiming that the marketing fundamentals have not changed.

I tend to disagree, and here is why.

An important piece of the why argumentation came my way during the #BIF8 conference, by two storytellers:

  • The first was Tony Hsieh, CEO of Zappos, the shoe company acquired my Amazon last year (one of my other heroes companies)
  • The second was Susan Shuman, CEO of SY Partners, yes the same company that Keith Yamashita from “should I dare to be great?” is working for

I was really blown away by Tony Hsieh, CEO of Zappos (Shoes) acquired last year by Amazon.

Tony was talking about Zappos’ Downtownproject and the slide deck he used was more or less the same as what is on the slideshare here

The story kicks off when Zappos was considering building a new HQ Campus like Google, Apple, Nike, Microsoft etc,

Instead of venturing in yet another megalomaniac luxury campus with everything on-site from shops, restaurants, doctors, and central central incubator garages, he decided to become deep integral part of the city fabric and to create collisions and serendipities. He is investing about 350 million USD in local start-ups, local small businesses,  education, arts, culture, and residential & real estate.

It is an amazing story circling and hovering over what are probably the five or ten or whatever number of C’s of the hyper-connected and learning organizations of this new era:

  • Curated content
  • Community (Culture of openness, Collaboration, Creativity, and optimism)
  • Co-Learning, Co-Working, Co-Creation
  • Collisions (Colliding communities, serendipity, etc)
  • Connections

As in a real roller-coaster, Tony Hsieh took us from one sensation to another:

  • “We are creating a space where innovators, dreamers, doers, and though leaders from around the world can come to share ideas to enrich the community, to inspire us all. Call it a residency program”
  • “We want to make you/us smarter”
  • “Culture is to a company what Community is to a City See”
  • “Vibrant, interesting and community focused”
  • “Short term ROI vs long term ROC Return on Community”
  • “A learning community” aka “A learning organization” aka “An agile community”

And then it suddenly crystalized for me:

“Companies are Movements”

The sort of movements to change the world.

I reached out to one of the books in my library; very recent one about change management.

Or should I say transformation management?

The book is by Jurgen Appelo and is titled How to Change the World: Change Management 3.0 where he proposed four dimensions for change:

  • Dance with the system: Plan, do, check, act
  • Mind the people: Ability, Knowledge, Desire, Awareness, Reinforcement
  • Stimulate the network (instigators, early adopters, early majority, late majority, laggards)
  • Change/Transform the environment: Information, Identity, incentives, infrastructure, institutions

It’s all about being part of the system you are trying to change. But change or incremental innovation is not good enough anymore in this fast moving world. The keyword is “transformation”: bringing into a new state where there is no option back, a risk to fall back into the old toxic habits. It is about a humanization of our organizations; a transformation at deep people level.

This is where my other #BIF8 hero comes in: Susan Shuman @susansyp, CEO of SY Partners.

She did not talk about the executives and the middle managers.

She talked about

the forgotten middle

the people who actually do the work in companies.

Some participants to the conference found she was too much in pitching mode, pitching her company. That may be true, but the story of what her company does is a very strong one.

I love the tagline “we help companies design their future”. This is a transformation story of Seeing, Believing, Thinking and Acting in meaningful and impactful new ways:

  • See = Fore-sighting, seeing the options vs constraining the options
  • Believe = deep sense of what is possible
  • Think = new solutions, prototyping, fail fast and wisely
  • Act = liberated in pursuing value driven opportunities

It’s about transformation management (not “change” management). It’s about a new way for creating strategy, grounded in complexity thinking and opening the options versus closing them, seeing through the lens of possibility not the lens of constraints, making visible and enabling options for collaboration.

The sort of collaboration and learning experiences that enable greatness, viral change from the top and from deep in the company fabric. It enables a modern way to look at strategy, an emergent strategy, where we not only look at short term revenue streams, but also for new capabilities and strengths. A different way of content curation, facilitation and design, leading to new collisions of expertise, and long lasting transformations.

The sort of collaboration that exists in great team where “duo’s” or “triads” of highly complementary people create greatness. Teams don’t just happen.

Teams are designed

You have to design for team magic

That’s also why moving around “human resources” from one team to another does not move around the greatness with it.

It’s about a new set of tools to let teams perform at their very best, a network of individuals dedicated to each other’s success, a tribe of humans that envision, believe in, and fight for greatness. It’s about a new practice for value creation.

It is not a coincidence that Innotribe’s updated mission statement includes a couple of these key components for the modern organization: To enable collaborative innovation for the financial industry and create new value for the people it serves

Companies are movements

Movements for greatness

Innotribe enables those movements and transformations.

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Our Innotribe flight 876 from Bangkok to the hyper-connected future landed on schedule on 27 April at 17:30pm local time. It was quite a flight with lots of turbulences.

It was one of the first times that we designed an event with a metaphor end-to-end. Our metaphor was that of a flight. We had some nice gimmicks like a boarding pass, seats lined up like in an aircraft, security video and seat pocket flyer.

But more importantly, we made sure we took our passengers on a journey, from check-in, taxiing, takeoff, cruising altitude, approach landing: building up the content slice by slice, and not slide by slide.

We had expected more people to attend the Innotribe 2-day flight. And we tested the agility and adaptability of our team to deal with this by making in-flight changes to the program. We scaled down day-1 to a “private jet” flight, and day-2 into a new format “Innotribe Unplugged”. I made a separate blog post some days ago on how our team is exploring the limits.

With hindsight, I believe we touched this way on some of the “irreducibles” of Innotribe events.

  • I believe “intimacy” is our real secret sauce. That’s why we created the Innotribe space as a no-tie zone
  • Create immersive learning experiences
  • Our ability to create tribes and groupies, whatever size of the audience, and the qualities of our team, as Mark Pesce @mpesce described them in a kudos mail:

“It was wonderful working with people so passionate, intelligent, driven and creative.  We covered a huge amount of territory in two days – a round the world tour.”

The lack of attendees was made good by a genius move by Matteo @matteorizzi to convince the Asian Banker Summit organization to run their closing session in our Innotribe space.

If you cannot bring innotribe to the plenary, bring the plenary to innotribe

It felt like a complete take-over of the Asian Banker Summit, and to take some perspective here – if I listen to the words of Emmanuel Daniel @EmmanuelDaniel – the Asian Banker Summit will never be the same again. We are with Innotribe Bangkok where we were with Innotribe at Sibos in Hong-Kong 3 years ago. Everybody knows how the Innotribe-way has made in-roads and impact on the overall Sibos event. Expect something similar with Asian Banker Summit in the next 3 years.


William Saito @whsaito gave us his insights in Innovation in Asia. I specifically liked his distinction between “incremental” innovation and “entrepreneurial” innovation, where the latter addresses NEW markets.

This nicely dovetails with my “levels of disruption” of my TEDxNewWallStreet talk of 11 March 2012. That talk is now on-line on YouTube. I was supposed to give a tailored version of this talk in Bangkok, but we decided to drop it as part of the in-flight changes.

The biggest disruption over these 2 days was witnessing the end of highly vertical (financial or other) organizations and the emergence of a new type of organization where horizontal sourcing of point functionalities – exposed through APIs – becomes the norm.

The following slide out of Petervan’s API presentation should scare the hell out of bankers.

As most of my readers know, the original version of this slide (I saw a version already 2 years ago) comes from Sean Park from Anthemis Group, who did a great “Re-inventing Finance” presentation (Feb 23, 2012) on this specific subject during the LIFT#12 conference this year in Geneva. The slide above is part of that talk, and has evolved a lot since. Recommended viewing!

We are all nodes in a grid

Hidden, as another metaphor in the whole Bangkok program was the comparison between the cells, synapses and electric signals in the brain, and the entities, functions and API’s in a value chain/ecosystem. I have written about this recently in “The Programmable Me: we are all nodes in the grid”

In Bangkok, our flight plan took us first through some basic concepts of this topology, and gradually added evolution of message types (request/response and event signals), identity of the entities in the graph, the choreography/dance of the nodes, collaboration and expression and finally cultural differences and appreciations.

One specific theme was on visibility, by Eiji Hagiwara from Mitsui & Co, himself a proficient airplane and helicopter pilot. He used airplane navigation systems as a metaphor for visibility in value chains.

Our ad-hoc McKinsey consultant Luc Meurant, added additional perspectives from corporates in the financial corporate to bank value chain:

In addition to visibility, what corporates are looking for are predictability, action, and independence

It suddenly became clear to me we are witnessing the birth of a fractal value system, almost layered but probably more like a Spiral Dynamics construct.

The “zooms” into the fractal are different layers of human and agent organization such as individuals, teams, tribes, companies, and ecosystems. It’s similar to the Second Economy of Brian Arthur, but where Brian Arthur focuses on the machine artifacts underlying the real economy, I am trying to point at the human artifacts and levels of organizations.

The consultant matrix

As we were preparing the event and the input for our scribers, I hit by accident on what I would call a typical two-dimensional consultant matrix:

On the horizontal axe, we have the elements that are subject of measurement, almost the fractal levels of the previous paragraph: organization as a whole, inward-looking and outward looking. Inward to people, teams and internal processes. Outward to external nodes (customers, suppliers, developers, etc) and external processes and value chains. (Although I feel “Chain” is too much of a flat-landers word, too two-dimensional)

On the vertical axis, we have the dimensions of measurement or the KPIs. During the Bangkok session, we saw emerging:

  • The 7 key KPI’s for assessing the readiness of organizations for the hyper-connected future/reality
    • Situational awareness
    • Reputation
    • Customer satisfaction
    • Adoption rate
    • Openness
    • Connectedness
    • Q-curve about asking enough and relevant questions
  • There are many other possible KPIs: Idea generation, Fitness and Vitality, Autonomy, Agility, Resilience to adapt, Responsiveness, Tolerance, REducing/INTROducing frictions, Openness, Autonomy, Visibility, Connectedness, Enablement of competitors, Density of your eco-system, Sensing, and Purposefulness.

Taxi drivers are the smartest people on earth

The whole discussion of hyper-connected companies, and especially the story of Uber taxi, made me reflect deeply on the role of the old taxi company as a dispatching service.

The dispatching role itself was in essence the friction in the system, and the dispatching service became completely obsolete when the nodes (in this case taxi drivers and their customers) started talking to each other via API’s (in this was built into iPhone apps).

Every company should assess whether it is reducing frictions, or whether it is introducing frictions. This friction (less)-rule not only applies to organizations and functions but also to people and events.

But be aware, there are some “irreducible” frictions. Mark Pesce identifies 6 of them, all starting with a “T”. Here is how Mark Pesce describes the 6 “Ts”:

No matter how ‘smooth’ and frictionless hyper-connected commerce becomes, certain frictions in the business world will persist.  These represent both speed humps and opportunities.  The businesses of the 21st century will find leverage and differentiation by identifying and exploiting them.


  1. Time – If it were done when it were done, twere well done quickly;
  2. Territory – you can’t be everywhere at once;
  3. Talent – some people are naturally better at it than others;
  4. Trust – is rarely immediately conferred, instead growing from a continuing relationship, and must exist for commerce to succeed;
  5. Tongue – language barriers persist until we all speak Globish.
  6. Tension – frictions in teams between humans


I have already spent significant time on my blog on the topic of digital identity and digital assets. Check-out my post on “The programmable me: we are all nodes in the grid”.

In Bangkok, we started the journey from SWIFT’s recent 3SKey offering, and through a choreography and theater play, we illustrated how 3SKey solved the friction of multiple tokens, but does not solve the friction that customer and personal data information is being kept locked in silos.

We moved on to the concepts of the Digital Spectrum and the Digital Asset Grid. And we had an exercise for the Innotribe participants to identity frictions solved/unsolved and opportunities for financial institutions in this data services space.

Artwork by Kosta Peric (@copernicc)

I am very grateful for the feedback:

  • Answering the question of frictions and opportunities is difficult, if not impossible without the context of a use case
  • There is a key role for SWIFT standardization in the semantics of digital assets to be exchanged
  • The Digital Asset Grid is like oil on fire. Once the API’s of the infrastructure are opened-up, there will be a wildfire or data services popping up, offered by banks ànd competitors of banks.

But there is no way back. The only way to be agile in this hyper-connected future is to choose radically for 100% openness, leveraging the skills of the crowd-sourced community, and opening up even to competitors. Exactly like Amazon did: they have made their infrastructure indispensible for the operation of the Internet. When Amazon went down last year, it became clear that 40% of Internet services were running from AWS.

The concept of the programmable me is just a start. We are clearly evolving into a world where all entities are recording ànd sharing everything of what is going on.

I case you need to be convinced, have a look at some of the latest developments:

Placeme, built by Alohar Mobile, simply records everything in the background. Robert Scobleizer recently posted this 32-minute video with Alohar Mobile’s founder, Sam Liang, to get a complete description of the app. I recommend watching the entire conversation, but if you skip to the 2:40 mark, you’ll see Liang show you where he’s been and what he’s done for the past day, as captured automatically by Placeme.

Or check-out this short video from MIT project P.A.U.S.E.S. , where portable computing is now ubiquitous, and has been a key factor in fueling the explosion of social networking. These guys are exploring the projecting a better version of ourselves through edited sharing of our lives.

Don’t be surprised to see more and more of the “tricorder” functionality coming up in next versions of Siri on Apple iPhone 6 later this year.

It is clear that for this short of sharing of digital assets and footprints or even better “footstreams”, there will be a need for a Trust Framework, and some level of standardization of the semantic in this space.

If you are interested in more on this topic, follow my curation on Scoop.it

Organizational Fitness and Vitality

Just when everybody more or less got it that we are talking here about a real-time sharing of signals between all sort of nodes in the grid through APIs etc, we injected a first turbulence into our flight.

Guibert Englebienne @guibert did a fascinating talk/ignition on Corporate Fitness, focusing on the body of the organization. Guibert talked about the corporate fitness of Globant.com and the their clients, and as the day progressed with discussing the KPI’s, I wondered how much of these internal measurements Guibert would be ready to share with his customers and other stakeholders. We also had some interesting thoughts on what companies would have the guts to publish a real-time leadership satisfaction index based on the crowd-sourced results of assessments by staff. That would be quite some innovative form of transparency!

Artwork by Kosta Peric (@copernicc)

Jennifer Sertl @jennifersertl is all about corporate “soul”, the mind-complement of the body. Jennifer inspired us all with the 3 R’s of Agility: Resilience, Responsiveness and reflection.

It became clear for me that the 3 R’s both play at company and individual level. Jennifer wrote a book about it, where she explains that the real magic happens when the individual and company value prisms are aligned. But these are fairly abstract concepts, and to ensure that all participants internalized these through an immersive learning experience, we let them play casino-game, letting everybody fill in their own cultural meaning of the words resilience, responsiveness and reflection.


As a well-oiled tandem (they just met a couple of hours before); Dan Marovitz @marovdan and Matt McDougall @sinotechian looked into the history of communication and collaboration.

Dan asked the question how it comes those true digital knowledge providers like consultancies are still struggling with offering their deliverables in a full virtual way. There is a need for an integrated enterprise collaboration suite composed of  directory serviced, scheduling, messaging, payments, workflow, Analytics, Search and Communication

And Matt McDougall mind-boggled us with his 8 connectors:

Note here again the connected nodes in a grid ;-)

  • Shared values (peace, equality, liberty,… )
  • Shared roots (religion, ethnicity, language, citizenship,…)
  • Shared fights (politics, environment, wildlife, …)
  • Shared Interest and benefits (wealth, power, information, notoriety,…)
  • Shared Lifestyle (fashion, housing, restaurants, vacation, …)
  • Shared Hobbies (sports, arts, gaming, collecting, travelling, …)
  • Shared Access (sites, platforms, devices,…)
  • Shared Preferences (food, drinks, cars, music, clothing,…)

In perspective

With hindsight of the Innotribe Bangkok event, I would like to offer the following perspectives:

  • We are witnessing 3 parallel revolutions: hyper-connectivity, openness through APIs, and the advent of P2P vs hierarchical organizations
  • The hyper-connected future is huge challenge for the financial industry, and there is little chance that the incumbents win the race
  • The Asian Banker Summit will be different the next years: the seeding has happened and there is no way back
  • The real problem: only 5 out of 250 bank-attendees are in contact with the start-up community: the Innotribe startup challenge helps to close gap

Outlook to Innotribe@Sibos, Osaka, 29 Oct – 1 Nov 2012

I have a dream: I would like to see an Innotribe opening session at Sibos with William, Sean, Mark, Guibert on the tatami.

I am looking forward to the grand-finale of that Start-Up Challenge in Osaka. In Bangkok we had the opportunity to see the pitches of the winning candidates from the APAC competition just a couple of days before on 24 April 2012 in Singapore.

Wrapping up this blog post

In case you were wondering what the flight number 876 is all about: 8 connectors, 7 KPIs, 6 irreducibles.

The next Innotribe flights are:

  • SWIFT African Regional Conference 2012 Kampala, Uganda: 8-10 May. Here we are part of a classic SWIFT regional conference. Matteo and Martine will be there with one Innovation plenary, and two Innotribe Labs, one on Remittances, and one on Mobile Payments.
  • The Age of the Empowered Customer, Sydney: 8 May. This is a small-scale event for 40 people, invitation only, organized together with Microsoft Australia.
  • Innotribe@Belfast on 13-14 June 2012: this is a full-blown Innotribe event like Innotribe Belfast. We already received the first registrations.
  • For other Innotribe events, check-out our Innotribe events page


Innotribe Bangkok would not have been possible without the help of the Asian Banker Summer, our APAC colleagues and the full Innotribe team. Special kudos to the Innotribe design team with Mela, Martine, and Dominik. Also thx to Kosta, Matteo, Nektarios and Muche for helping out with all the executions and facilitations.

By @petervan from the Innotribe team (cross-posted on the Innotribe Blog)

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After our busy Asian week with our Innotribe Start-Up Challenge 2012 in Singapore, and the Innotribe event for Corporates in Bangkok,  SWIFT and Microsoft are bringing Innotribe to Australia for the first time, with a half-day event built around an energizing mix of new perspectives and provocative thoughts.

Through a series of deep conservations ignited by influential thinkers, participants will be able to learn from each others’ opinions, ideas and perspectives.

Innovation in Australia’s financial industry is a hot topic in 2012, with much of the focus on innovation in the payments system itself. But what of the relationship between banks and their customers?

What about the proliferation of connected, aware mobile devices?  What about the rise of trusted social networks and the consumerisation of IT? Are we living in the age of the customer? What does the emergence of a new generation of banks, virtual currencies and digital wallets mean for the future of money? How can we leverage digital identity, your digital footprint and a digital asset grid to empower consumers? How will businesses capture this potential and survive the dramatic business model shifts they will likely experience as this future becomes a reality?

The Age of the Empowered Customer brings together the best and brightest thinkers to ignite those conversations:

  • Marcus Barber, Strategic Futurist and Value Systems Specialist
  • Andrew Davis, Global Head of e-Channels Strategy and Innovation for GTB, HSBC
  • Andrew Rechtman, Director of Product, New Business and Strategy, Paypal Australia
  • Stephen Wilson, Digital Identity Innovator and Thought Leader, Lockstep Technologies
  • Peter Vanderauwera, Innovation Leader, SWIFT

This event is a small-scale event for 30-50 participants max. Invitations are sent out on a one-on-one basis. If you would be interested to attend, please contact contact James.Bibby@microsoft.com or peter.vanderauwera@swift.com

Our tentative agenda looks as follows:

Tuesday 08 May 2012


09:00 – 09:15 Arrival and registration
09:15 – 09:30 Welcome
09:30 – 10:30 Innovation provocations Subthemes:  the emerging collapse of paper currencies, levels of disruption and financial services.
10:30 – 11:00 Coffee break
11:00 – 12:00 The empowered customerSubthemes:  Digital Identity, Digital Footprint, Digital Asset Grid
12:00 – 13:00 Future of moneySubthemes: Digital Wallets, Virtual Currencies, New Generations Banks
13:00 – 14:00 Lunch

Innotribe Sydney will be held on 8 May 2012 in the Microsoft offices, 1 Epping Road,  North Ryde NSW 2113, Australia (Sydney). Looking forward to meet some of our Aussie tribe members in real life.

@petervan from the Innotribe team. Cross posted on the Innotribe Blog.

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The Innovator’s Risk

Here is a mail i received today from a colleague.

I wrote up my idea and since my boss wanted to review it, I sent it to him. But, he is unwilling to look at it saying he is busy. I can send you the rough draft but then will be breaking my trust with him. I wanted to keep you posted just so that you know.I wish people were not so hung up on making success stories for themselves. It really makes idea conception and execution very sluggish.

I made it anonymous.

As there is still the “Innovator’s Risk”.

The difference between theory and practice.

That’s why we need a Corporate Rebels United.

To protect each other. To help each other. To encourage each other. To discover the hidden pearls in our companies.

To fight the barriers that make blossoming of ideas and people impossible.

We want to incubate people not ideas.

Who wants to help me fight these situations ? Who has tips and tricks and strategies to eradicate this from our organizations ? What are best practices to eliminate Innovator’s Risk ?

@petervan from the Innotribe team

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Wilson Minor inspires, explains and amazes. Via Tom LaForge. Awesome presentation from Build2011 conference.

“Interconnectivity” is not about electronics. It’s about how seven billion people are changing how they see the world and live their lives. This is the definition of a macroforce and nothing bigger is happening on the planet right now.

Super presentation design and delivery.  Forty minutes of poetry. Sine parole.

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Open Source currencies

Very interesting video interview about Bitcoin, Ripple Project, etc

Watch till the end: about monoculture of currency, profit vs purpose, how the open source revolution and P2P networks and open source currencies have the potential on medium/long term to create the same sort of disruptions we have seen in music, software, etc

“And unless we see draconian centralized policing of the internet, or fundamental redesign of the internet, these system are technically unstoppable”

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