As the competitive marketplace in financial services expands and diversifies globally, it is more critical than ever for organizations to drive innovation and differentiation. But, innovation and differentiation requires an openness to change, a high level of engagement from all levels, and the use of data, applied analytics, new technologies and skillsets that many banks and credit unions lack. We are very fortunate to have Jason Henrichs and JP Nicols, co-founders of Fintech Forge and the Alloy Labs Alliance on the Banking Transformed show today. We discuss how innovation is not about the ‘next big thing', but about creating value across the entire customer journey.