||Innovation is the process of converting new things into business-as-usual. There are few banks today that fail to recognise the capability to do this is a key way of sustaining competitive advantage. Many, however, have little idea of how to go about building such capabilities. By so doing, they expose themselves to uncertain futures, as other players enter and out-innovate them in core markets. There are some banks, however, who always seem to be ahead of the curve. They have created capabilities that enable them to out-innovate the innovators. To do so, they have established a set of practices that allow them to future-poof themselves. This is a book about hose practices in banks. It explains, using examples from institutions around the world, what it takes to create the business process that introduces new things and makes them business-as-usual. It shows how to do this with reliability and certainty of return. And, in the process, it illustrates what your institution can do to be as future-proof as the most innovative banks in the world.