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.
Mutuals have a terrific story to tell.