Swedbank allows employees to develop gründerideer in working hours and are happy if one out of ten succeed. – We can no longer sit with femårsplaner and do everything yourself, ” says digitalsjef Emma Heimonen.
– It is said that only one out of ten succeed with innovation, but it is totally ok. The most important thing is that you dare, ” says Emma Heimonen (35), head of digital innovation at Swedbank.
She took the step from gründerlivet to Sweden’s third-largest bank for a half a year ago, and has the responsibility to find new business ideas together with colleagues and companies the bank works closely with. In the summer launched Swedbank a collaboration with a hotbed for entrepreneurs, Sting. It is an “incubator” led by seriegründer Lena Apler and funded by among other things, Swedbank and såkornfondet Industrifonden, with four billion Swedish kroner in total assets.
Stockholm Innovation & Growth (Sting) is an incubator that funds and helps with development of technological ideas.Founded in 2002 and has helped with the development of 100 small and big business ideas.Go through up to 200 ideas each year and select 20 of them to a program with a financial helping hand. 70 per cent comes from the business sector and the rest from universities and research institutions.Swedbank is the new partner and allocate support to projects from its own employees.
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Three sample
Swedbank trying to get a head start on the competition.
– We will encourage employees to work to develop their own ideas, ” she says.
Among the tens of projects at Stitches this autumn are three of them from Swedbank’s own employees:
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A new app to collect money from small savers, the so-called “crowd funding” to real estate projects.
” Our employees run the risk of not house and home. They are still employed in the bank and get help from experienced entrepreneurs to develop ideas. Many people spend a lot of time by the side of the ordinary job, and the plan is that they should make a pilot in the course of the autumn, ” she says.
Lets employees choose
the Subject is to make the bank better in digital development and attract new employees.
Bankverdenen goes through great upheavals.
– If you want to find digital stars, one can not work as before, ” she says, and believes that Swedbank is in a better position than competitors such as Nordea and Handelsbanken.
If you want to find digital stars, one can not work as before
Emma Heimoen, digital executive at Swedbank
– All the banks work together with experts and innovators in financial technology. We lift up their own employees to show that Swedbank is an attractive employer.
– Should the bank take over the development of the best ideas for yourself?
– If someone wants to develop ideas at Swedbank, it’s perfect, ” she says.
Employees who succeed, still get the choice to become or realize the ideas outside of the bank.
– for example, We can go in as a financial partner in a stand-alone company. Others may choose to realize the project together with an international investor. Sometimes it is good for both parties, ” says Heimonen.
Influence
She believes several of the large banks in Sweden and its neighboring countries will follow suit.
It is, I’m sure. The digital development is going so fast that the banks are going to have to think again. We can no longer sit with femårsplaner and do everything yourself. Bildedelingstjenesten Snapchat reached a market value of over one billion dollars in the course of one year. As fast as it goes, ” says Heimonen.
Although she has been involved in the development and startup of several companies in the field of e-commerce and tourism in Sweden and thinks the banks have a lot to learn.
Banks can be better to measure the customers needs and see what innovations are in demand.
Swedbank trying out a new robot with artificial intelligence that responds to questions from customers who do not want to call a customer service representative. Other stakeholders in banks and insurance have similar services.
in a few years a robot on the phone to help with everything from answering on balance, personal finances or investment advice.
– do you Think bankfilialene are about ten years?
– Yes, it’s not one or the other. Large companies in the technology and e-commerce has opened shops when they are large enough. Just look at the Apple, ” says Emma Heimonen.
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