Solving the innovation puzzle

Artikelförfattare: Christian Bieck & Åke Freij
Organization: IBM

Christian Bieck is the global insurance leader for the IBM

Institute for Business Value. Christian is an economist by

training, and he worked in various roles in the insurance

industry in Europe before joining IBM as a process consultant

and researcher. Christian is a frequent speaker on thought

leadership and innovation at insurance events and workshops.

He has authored various papers on insurance trends and

implications, both for the IBM Institute for Business Value and

for international insurance industry publications. He can be

reached at




Åke Freij is a solutions executive for the financial services

industry in IBM Nordic. Åke has a financial services and

management consulting background, including executive roles

both locally and globally. At IBM, he concentrates on business

development and solutions design and supports insurance and

banking clients in matters ranging from architecture to

innovation. Focus areas include implementation of regulatory

requirements, model-driven business development, innovation

from technology and component business modeling. Åke can

be reached at

4, 2011
Språk: Engelska

For the past 500 years, the banking and insurance industries have struggled to balance innovation with stability and conventionality – with innovation suffering as a result. The incremental innovation of the past is not sufficient in today’s rapidly changing world. To successfully exploit innovation today, banks and insurers need to better understand its sources and develop a framework to help them consistently and reliably innovate.


This study is based on information gained through in-depth interviews about innovation with 20 banking and insurance executives, as well approximately 50 informal interviews and discussions with additional executives. The scope of this study is global with an emphasis on mature market Western economies.


The full report is to be found below (pdf file).