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Financial Innovation continues…..How much is really relevant to the customers?
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Once upon a time
• Jersey is the home of European e-commerce
• Supply and demand
• Distribution
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The e-commerce explosion
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Connectivity and Communication
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Consumption
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Three Key Attributes
• Who they are
• How are they paying
• What are their expectations
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Identity
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Money
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Customer Expectations
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Opportunity abounds
• However• Distribution costs kill companies• Research and market testing is difficult
• Consequently most start-ups change tack• Initial customer engagement is unexpected• Customers always prefer red to green
• And society has changed • Instantaneous gratification is the norm • Socially directed and demand driven
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Innovation
• Who will your customers be when you actually get to market
• Take your own, and your competitors tech apart
• Plan to engage with your future customer quickly to get early adoption
• Remember that market education is time consuming and costly
• Make sure that Mrs Smith can actually understand your message
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Thank You