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Description. Newb was founded in 2011 with the aim to build an ethical and sustainable cooperative bank. As of 2018 it has over 100 ngo and non-profit investors and around 50.000 citizen investors. In order to build up its portfolio and to obtain a banking license in Belgium, it has started to offer some insurance products and a debit card.
- Introductory Citation
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- Key Books to Read
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"A quick search on Google Scholar confirms the pattern: from only 23 articles citing ‘co-creation’ in the 1970s, the 1980s delivered a paltry 102, the 1990s a more substantial 658, while the first 9 and a bit years of the 21st Century has already spawned an impressive 3,660."(http://www.promisecorp.com/blog/?p=116)
"Co-creation is a very broad term with a broad range of applications. We define co-creation as any act of collective creativity that is experienced jointly by two or more people. How is co-creation...Non-market Co-creation
Chris Lawer: "there is also a form of co-creation that is largely independent of markets, where individuals willingly come together to create and share self-generated information, knowledge and content independent of any mechanisms of market exchange. In The Wealth of Networks, Yochai Benkler explores the dimensions and potential of such non-market co-creation / collaboration in some depth. Making the distinction between the two types of co-creation primarily depends on how we define a market...
Chris Lawer: "In the following twelve statements, I develop a logic that concludes in a concise definition of “co-creation” and how firms may derive competitive advantage by facilitating co-created value. 1. Traditionally, customer value has been defined and differentiated by product quality (Features, Attributes and Benefits - the old Kotlerist FA...
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From the co-creation blog at http://www.co-creators.co.uk/?page_id=10 1. Value Co-creation: ATM Cash Machine, Airport Check-In More Complex Value Co-creation: "Truffle-tree.co.uk allows customers to adopt a truffle tree in France. Customers who adopt a tree (annual price £145 / $239 / €219 plus an annual maintenance fee) will either receive the truffles from “their” tree or can choose to pool their “harvest” with others to spread the risk of a low harvest. The experience of adopting, and bein...
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From Fronteer Strategy : "The four types of co-creation 1. Club of experts: A very specific challenge is needing expertise and breakthrough ideas. Contributors are found through a selection process. Quality of input is what counts (e.g. Nokia) 2. Crowd of people: Also known as Crowdsourcing. For any given challenge, there might be a person out there having a genial idea that should be given a podium. It’s the Rule of the big numbers (e.g.Threadless) 3. Coalition of parties: In complex situati...
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There is a graphic outlining six different ways that corporations are using Co-Creation at http://coinnovative.com/blog/wp-content/uploads/2010/04/Screen-shot-2010-04-17-at-12.58.40-PM.jpg See: the Co-Creation Landscape, by Jess Charlesworth Full entry has nice graphs and is accompanied by a link to a white paper. 1. Large corporations who engage with a community of advocates to co-create on an ongoing basis. (Lego Mindstorms) 2. Large corporations who call for agencies to submit ideas to the...
The economic phases up to co-creation, summarized by the Co-Creationblog. 1. Small Scale (Bespoke) Production Before the industrial revolution and the emergence of mass production in the mid 1800s production was small scale. Depending on the type of product, it would be made on a small scale or bespoke. 2. Mass production / Transactional Marketing ...
Some Issues with Co-Creation
"Being an emergent discipline co-creation is not only under-defined, it’s also fraught with self-promotion and unproven claims. We think that thinking about co-creation requires a greater focus on the processes, not just outputs. Our analysis highlights the following: 1. The over-reliance on technology platforms as the means of co-creative production. Offline and hybrid techniques receive less attention and are probably underutilised. 2. The centrality of the facilitator / facilitating organi...
The Five Guiding Principles of a Co-creation strategy
From Fronteer Strategy: "The five guiding principles in co-creation 1. Inspire participation: Trigger people to join your challenge: open up and show what’s in it for them (e.g. P&G Connect & Develop) 2. Select the very best: You need the best ideas and the best people to deal with today’s complex issues (e.g. Innocentive) 3. Connect creative minds: You have to enable bright people to build on each others ideas, both on- and off-line (e.g. Lego) 4. Share results: Giving back to people - and f...
Towards Customer-Centric Strategies
C.K. Prahalad and Venkatram Ramaswamy (essay: The Co-Creation Connection: "The balance of power in value creation is tipping in favor of consumers. How do companies co-create valuable experiences with consumers? The traditional company-centric view says: (1) the consumer is outside the domain of the value chain; (2) the enterprise controls where, when, and how value is added in the value chain; (3) value is created in a series of activities controlled by the enterprise before the point of pur...
Yochai Benkler, The Wealth of Networks: How Social Production Transforms Markets and Freedom, Cambridge, MA: Yale University Press, 2006.Henry Chesbrough, Open Innovation: The New Imperative for Creating and Profiting from Technology, Boston: Harvard Business School Press, 2003.James Surowiecki, The Wisdom of Crowds: Why the Many Are Smarter than the Few and How Collective Wisdom Shapes Business, Economies, Societies and Nations, New York: Doubleday, 2004.Eric von Hippel, Democratizing Innovation, Cambridge, MA: MIT Press, 2005.Description. 1. "BankSimple is creating a better interface for banking through the Web and mobile apps. In partnership with financial institutions which will hold the actual deposits, BankSimple is focusing on creating a better customer experience and simplifying the banking process by unifying all accounts into one, accessible through a bank card.
Their novel initiative, called GreenXchange, aims to allow companies to share intellectual property for green product design, packaging, manufacturing, and other uses. If it succeeds, this budding coalition could accelerate innovation across companies and sectors. At minimum, it stands to rewrite the rules about how companies share.
Put Jeff Bezos, Pierre Omidyar, Elon Musk, Tim O’Reilly, Larry Page, Sergey Brin, Nathan Myhrvold, and Danny Hillis in a room somewhere and don’t let them out until they have framed a new, massively-distributed financial system, founded on sound, open, peer-to-peer principles, from the start. And don’t call it a bank.
Digital Common Law. The new platform amounts to a new sort of socio-legal-technical governance regime. Digital common law, as we call it, is a bottom-up, voluntary, user-driven system that establishes context-specific norms for governing a given online community/market. While broad parameters of law continue to be set by legislatures, executive ...
2011年2月10日 · Description. "As Qualcomm puts it, FlashLinq “enables devices to discover each other automatically and continuously, and to communicate, peer-to-peer, at broadband speeds without the need for intermediary infrastructure.”. In other words, it’ll build a wireless network between FlashLinq-enabled devices, allowing those devices to pass data ...
