I have a passion for operational excellence, especially when it comes to understanding and meeting the needs of customers.
I've been doing this for a long time, when the understanding of "what is the next product to cross-sell" was first being explored in banking, and there wasn't any technology that could provide the right data to the right place. But even with the power of today's technology, many firms fail to understand what the customer really needs/wants.
Relationships are THE most underutilized competitive advantage there is. Innovation needs to start there with the relationship development process—to compete on relationships.