Práticas de inovação em instituições financeiras

Abstract

In the current conjunction of deep and dynamic transformations in the digital, regulational and market areas, innovation has been proving a competitive differential and responsible for the survival of organizations. However, innovation isn't something that happens in an isolated form, it is the result of a process, a consequence of innovative procedures that can be stimulated and replicated systematically. Although there is research that goes deeper into how the development of new products and services occurs in organizations, when we talk about financial institutions - which have been deeply affected by digital transformation -, research is scarce. In this scenario, the present study aims to answer the following question: How does the dynamics of innovation practices happen in Financial Institutions? Therefore, based on the model proposed by Barczac and Kahn (2012) of innovation practices, has been conducted a qualitative, deductive research, using single-case study methods, over a project for the creation of a digital solutions platform in a Brazilian bank. The data collection was made through semi-structured interviews and documentation analysis. Data was analyzed through the content analysis method, with predefined categories. Its main outcomes point out that, besides the seven dimensions proposed by Barczac and Kahn (2012), strategy, research, commercialization,process, project climate, company culture and metrics, other two were found relevant in the financial sector, the "collaborative practices" and "technology practices" dimensions. Moreover, new practices were pointed out in the dimensions of the basic model. Lastly, an instrument for diagnosis of practices is offered, which can also be useful for other enterprises and different sectors. The idea is that good diagnoses can generate innovative prognostics.