Placing the application of technology at the heart of innovation – Harry Wendt, General Manager, Online & Mobile, Westpac


• The impact of technological innovation is often largely over-estimated in the short-term but equally underestimated in the medium to long-term • Disruptive vs. continuous innovation – why coexistence is the key • Leveraging from existing capabilities to harness unplanned innovation • Understanding customer behaviours as the future of innovation