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This bank does not innovate just incrementally, and radical innovations resulted from the launch of a new distribution channel, though several innovations are unrelated to new technology. This study adds to literature on innovation services by enhancing understanding of the different types of innovation. The empirical investigation further shows that the banking sector can develop process innovations, which give the bank a longer term competitive advantage. To innovate radically, the bank should anticipate the impact of its new offerings on different areas of the system.<\/p>","DOI":"10.4018\/ijssmet.2013100103","type":"journal-article","created":{"date-parts":[[2014,4,25]],"date-time":"2014-04-25T08:48:09Z","timestamp":1398415689000},"page":"43-57","source":"Crossref","is-referenced-by-count":7,"title":["Identifying Different Forms of Innovation in Retail Banking"],"prefix":"10.4018","volume":"4","author":[{"given":"V\u00e9ronique","family":"Favre-Bonte","sequence":"first","affiliation":[{"name":"Laboratory Institut de REcherche en Economie et en GEstion (IREGE), University of Savoie, Annecy-le-Vieux, France"}],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Gardet","family":"Elodie","sequence":"additional","affiliation":[{"name":"Laboratory Institut de REcherche en Economie et en GEstion (IREGE), University of Savoie, Annecy-le-Vieux, France"}],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Catherine","family":"Thevenard-Puthod","sequence":"additional","affiliation":[{"name":"Laboratory Institut de REcherche en Economie et en GEstion (IREGE), University of Savoie, Annecy-le-Vieux, France"}],"role":[{"vocabulary":"crossref","role":"author"}]}],"member":"2432","reference":[{"key":"ijssmet.2013100103-0","doi-asserted-by":"publisher","DOI":"10.2307\/2667053"},{"key":"ijssmet.2013100103-1","doi-asserted-by":"publisher","DOI":"10.1108\/02652320410521719"},{"key":"ijssmet.2013100103-2","doi-asserted-by":"publisher","DOI":"10.1016\/S0737-6782(01)00102-3"},{"key":"ijssmet.2013100103-3","doi-asserted-by":"publisher","DOI":"10.1016\/0048-7333(86)90012-0"},{"key":"ijssmet.2013100103-4","doi-asserted-by":"publisher","DOI":"10.1016\/0048-7333(90)90037-7"},{"key":"ijssmet.2013100103-5","doi-asserted-by":"publisher","DOI":"10.1002\/(SICI)1097-0266(200003)21:3<267::AID-SMJ89>3.0.CO;2-8"},{"key":"ijssmet.2013100103-6","unstructured":"Belleflamme, C., Houard, J., & Michaux, B. 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