A large financial institution engaged us to analyze a new ecosystem in which they plan to venture.

Our team used our methodology, BOLT, to create a model of the ecosystem, identified new potential competitors and partners, and then synthesized the model into core elements which could be recombined in different solutions.

We then evaluated how a particular product line could be augmented when entering that ecosystem and identified opportunities to create unfair advantages with specific partners.

We also performed an analysis of the top 50 FinTech innovators to better understand their ability to disrupt the financial world. For instance, we found that Kabbage had the huge potential to disrupt the Small Business Loan market, based on their position in the customer journey and their ability to leverage key ecosystem partners to create an unfair advantage.

As a sample of the analyses we provide to our clients, we’d like to share our take on the demise of Kodak. Kodak has been recently in the news because it has launched an Android phone at the CES 2015. One of the key diagrams in BOLT is the horizon digram. Google for instance always ask itself the question: “What will be different?


When we look at Kodak’s history, they fully understood what will be different, except for one small detail. Haydn Shaughnessy recently published a study, retracing the past 30 years.

Kodak was actually the first company to manufacture and market a consumer digital camera in 1994… the Apple QuickTake. It was also the company which invented flat color panel display with the OLED technology. Kodak was even the first company to market a camera with a built-in OLED display!

Their horizon diagram was well defined and they faithfully covered every step of a picture’s lifecycle:


What Kodak missed is the purpose of a picture, they narrowed their horizon to the point where the picture was made available to their customer, on paper first, and on digital storage later. But, Kodak was actually… the first social network, because people take pictures to share them. Facebook (and the Cloud) is what killed Kodak, not digital photography. A picture was the ancestor of a Facebook post!

In BOLT terms, Kodak was missing the last step of the picture lifecycle: “shared”.


What are you missing today on your horizon?

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