Deposit cheques at an ATM? That’s cool. And Bank of America has an ATM that does it (click here and select the video tab for a video on their Deposit Image ATM)

Putting aside technology and risk issues, I’d say that’s a true customer-focussed innovation rather than just another finance product.

How do you come up with great ideas?

Simon Sinek says business and not-for-profit leaders are usually most interesting when they start a conversation about why they exist and what motivates them, rather than what they want you to do or sell you.

In a thought-provoking video (click here) Simon Sinek explains his Golden Rule and why people don’t buy what you do, but why you do it.

Mutuals have a terrific story to tell.