Ayala Grabs Leadership in Mobile Banking for Microfinance 122.0

Ayala Corporation has obtained Bangko Sentral ng Pilipinas approval to convert Filipinas Bank into an innovative IT-oriented microfinance bank. The Philippine Star reported this in today’s (10.13.09) issue, BPI forms microfinance, IT-oriented bank. Global Innovation Leadership for Ayala. I predicted this to happen in my August 31 post, World Class Innovation: Microfinance as an Ayala [...]

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Addendum to Microfinance as an Ayala Blue Ocean – 2 of 2

I think the simplest and fastest entry for Ayala into microfinance is as a wholesale banker to lending investors and rural banks.  The credit products may be in tranches of P1m, P4M, etc. and mirror the microfinance model in most respects.

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Innovation in Microfinance as an Ayala Blue Ocean – 1 of 2

I think the Ayala Group sees great opportunity in the microfinance market. They can put together a strong strategy – I will attempt here to cobble up one from a grab bag of MBA buzzwords, hahah!- and have a source of strong growth in financial services in the coming years. That is if Ayala can [...]

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Musings as SYNTHESiST Turns Six Months Today 98.0

I feel like a daddy looking after my newborn, first child. First published this year on the same day as EDSA 1, February 25, SYNTHESiST has 98 posts as of today (that is roughly one post every two days). Also, I have commented on 39 books and journals or one every five days. In the [...]

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Sources of New Growth During Crisis 96.0

Last week, I taught in a short course on “Growth Strategies for Entrepreneurial Firms” at the Asian Institute of Management (AIM). I designed my part to teach new combo techniques in finding innovation opportunities in today’s crisis.

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Paul Romer and the S-Curve of Innovation 94.0

Theoretical economists and management theorists, like scientists viz engineers, often do not see eye-to-eye. The goal of the first is often new knowledge while those of the second is practical application. Their stakeholders, methodologies and measures of success are also different. Still, they often inhabit one S-curve though at different parts. For this post, the [...]

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Opportunity from Adjacency – Profit Zone and Blue Ocean 2 of 2

(Start of Part 2 of 2) For Blue Ocean, McCafe of McDonald’s is a great example of adjacency. Zach’s Investment Research reports on Friday, May 8, “McDonald’s strong U.S. sales were fueled by its popular line of healthier chicken snack wraps, and by its successful recent rollout of McCafe coffees.” McCafe was first tried out [...]

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Opportunity from Adjacency – Profit Zone and Blue Ocean 1 of 2

I coin the phrase “Opportunity from Adjacency” for the approach to innovative entrepreneurship using the industry value chain. Two such approaches are currently popular. The “Profit Zone” finds opportunity in adjacent links with financial analysis as the starting point. The “Blue Ocean “ finds opportunities in adjacent links with product-market analysis. This post will have [...]

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