Financial Services & Insurance

The COVID-19 pandemic and our new consumer behaviors have broken the customer lifetime value models on which pre-COVID loyalty programs are built. Here’s how the Loyalty Program will be reimagined. To the victor go the spoils. Read More

Traditional financial institutions, prior to the COVID-19 crisis, held a tenuous grip on digital customer engagement. Today’s disruption is a compelling moment for financial institutions to re-examine their digital strategies, and create meaningful and differentiated engagement that responds to consumers’ acute desire for increased financial resilience. How can banks lean on their unique capabilities to evolve the roles their financial platforms play in the lives of customers – today and well after any economic crisis. Read More

As innovators, it’s our mandate and reflex to look past the here-and-now, and see what’s coming around the corner. After we pull through this epic challenge called COVID-19, what’s next is a recession that will demand a new innovation playbook. Here’s what that playbook looks like. Read More

At Fahrenheit 212, we solve problems across the ever-changing landscape of Innovation from growth strategies and business model innovation to new customer experiences, products and services, across different sectors and geographies. Read More

“Money, get away / Get a good job with good pay and you're okay” - Pink Floyd “Anywhere you go it's the same cry, money worries” - Bedouin Soundclash “I don't know what they want from me  / it's like the more money we come across / the more problems we see” - Notorious B.I.G From rock stars to rappers,... Read More

Dartboard is the first student loan benefit of its kind. With Dartboard, each payment the employee makes on their loans is matched by their employer as a contribution to their retirement account – all with a model that also gives the employer tax benefits. By linking student loans and 401(k) contributions, Dartboard aims to turn the $1.4 trillion student loan... Read More

The financial services industry in the US has fallen behind in the technological revolution that others have embraced. Although aspects of new technology have been implemented, the big question is why the US is so far behind in financial innovation? We explore the answer to this question and how it could regain a leadership position. Read More

Disruption of the financial services sector is unlike anything the market has ever seen. This shift in market forces is being spearheaded by the acceleration of new technology in dramatic and unprecedented ways. But the real risk of technology is not its proliferation, nor its complexity, nor its uncertainty, but its distraction. Read More

As part of Fahrenheit 212’s Innovator Circle thought-leadership programme, we invited a panel of innovators and start-ups ranging from a recently launched company to a new division within one of the world’s most valuable companies and we dug into what it takes to launch, survive and grow within the Trust Economy. The beauty about drawing on the experience of start-ups is they are operating in the white heat of growth – they have to quickly figure out what works and what doesn’t – but the lessons they’ve learnt are eminently transferable to innovators at businesses of any size. Read More