woensdag 30 mei 2018

Wat Chestnote mij leert over innovatie...

Een paar weken terug zetelde ik in een jury om een ondernemersprijs uit te reiken. Criteria als innoveren, een modern personeelsbeleid en internationaliseren zijn dan uiteraard niet toevallig leidend bij de beoordeling van de kandidaten. De wedstrijd illustreerde dat internationaliseren nog niet in het DNA van elke Vlaamse kmo zit. Soms is dat ook niet onbegrijpelijk. Sommige bedrijven hebben nog behoorlijk wat groeipotentieel in Vlaanderen, bijvoorbeeld omdat ze inspelen op nieuwe marktvragen. Erg opvallend bij presentaties is de sterke aandacht voor medewerkers. Dat is altijd zo geweest, maar in het verleden voelde je dat het vooral bon ton was om het belangrijk van medewerkers te vermelden. Nu is het meer en meer de rode draad doorheen een bedrijfsvoorstelling. Dat goede medewerkers zich niet meer spontaan aanbieden is niet bepaald vreemd aan deze evolutie. Maar je voelt ook bij veel ondernemers een echt sterke betrokkenheid bij het welzijn van hun personeel en een overtuiging dat die pas goed kunnen presteren als ze zich echt goed voelen in hun job. Opvallend is dat ook kmo-bedrijfsleiders experimenten opzetten met nieuwe vormen van leiderschap tot zelfs zelfsturing. Het is zoals met de mobiliteitsproblematiek: je lost de uitdagingen van de 21ste eeuw niet op met methodieken van de 20ste eeuw.

Innovatie was ook manifest aanwezig in de presentaties. Nochtans is het woord disruptief niet eenmaal gevallen. KMO bedrijfsleiders zijn niet zo bezig met het gebruiken van buzzwords. Dat pleit voor hen. Hoewel disruptie zeker zijn weg gevonden heeft in de moderne economie, gebeurt erg veel innovatie via niet-disruptieve vernieuwing. Innovaties die niet-ingevulde noden aanpakken of een marktsegment bereiken dat voorheen 'verwaarloosd' wordt. Op macroschaal was de Grameen bank een mooi voorbeeld: ze startte met microleningen en creëerde zo een klantensegment dat voorheen door banken niet bediend werd. Je kan dat op dat moment moeilijk disruptief noemen dus. De bestaande markt bleef immers gewoon bestaan. Ze had gewoon geen aandacht voor dit klantensegment. Vergelijk dat met de huidige fintech hausse, die traditionele banken op haar grondvesten doet daveren omdat ze in hun kernbestaan worden bedreigd door een pak nieuwe start-ups die wel degelijk hun kernsegment bespelen.  Ander voorbeeld: het populariseren van mountainbikes leidde er niet toe dat mensen geen gewone fiets meer in huis hebben. Dat die ondertussen meer en meer vervangen wordt door een elektrische is dan weer een ander paar mouwen.

Het zoeken van niet ingevulde noden of nieuwe segmenten biedt ook Vlaamse bedrijven kansen in tijden van disruptie. Een mooi voorbeeld is de Antwerpse start-up Chestnote dat inzet op 'contextual messaging'. In tijden waarin we dagelijks via allerhande sociale media overstelpt worden met realtime, maar vaak onbeduidende content, bedacht Tom Le Clef dat sommige boodschappen emotioneel interessanter worden als ze niet direct toegankelijk zijn. Samen met zijn neef Peter Wellens vormde hij dat idee om tot een start-up die ondertussen klaar is om de wereld te veroveren. Ambitieus zijn is gewoon een must in deze activiteit die schaling nodig heeft. De kern van contextual messaging: je stuurt berichtjes die pas geopend kunnen worden op een bepaalde locatie en/of op een bepaald moment in de toekomst. Los van de emotionele meerwaarde, biedt dat ook de kapstok voor een onderliggend business model gericht op bedrijven. Denk aan het reisbureau dat verrassingsreizen organiseert waarbij je via contextual messaging van de ene in de andere verrassing valt zonder vooraf te weten wat de reis brengt.

Is Chestnote disruptief. Niet echt. Het bouwt een businessmodel rond een goed idee dat inspeelt op vermoedelijk niet ingevulde noden zonder daarom een bestaande markt te bedreigen. De toekomst zal uitwijzen of de markt een sterke appetijt heeft om 'contextual messaging' te omarmen. De markt heeft immers altijd het laatste woord over goede ideeën, disruptief of niet. Hun start hebben ze alvast niet gemist. Peter en Tom timmeren nu in elk geval hard aan de weg om er een succes van te maken...

11 opmerkingen:

  1. If you are seeking a Bank Guarantee (BG), SBLC for Lease or Purchase, we are the best financial institution to help you to secure verifiable and easily monetized BG, SBLC and other financial instruments. At SPOT FINANCE, we are a group of experienced bankers, seasoned brokers with years of experience in the financial instrument industry. We deal directly with reliable Providers of BG, SBLC, MT109, MT799, MT760, Loans, Sale and Lease of Financial Instruments issued by Top rated global banks.

    Our procedure is TIME SAVING and transparent. With us, you can secure any denomination of BG / SBLC from 10M to 10B (EURO / USD) in time for use in Heavy / Light project financing anywhere in the world.

    Basically, we are here to help you move your business to the next level.

    Anticipating your interests,
    Email: info.spotfinanceltd@gmail.com
    Skype: spotfinanceltd

    Sincere regards,
    Gary Derek Beckett
    SPOT FINANCE LTD

    BeantwoordenVerwijderen
  2. If you are seeking a Bank Guarantee (BG), SBLC for Lease or Purchase, we are the best financial institution to help you to secure verifiable and easily monetized BG, SBLC and other financial instruments. At SPOT FINANCE, we are a group of experienced bankers, seasoned brokers with years of experience in the financial instrument industry. We deal directly with reliable Providers of BG, SBLC, MT109, MT799, MT760, Loans, Sale and Lease of Financial Instruments issued by Top rated global banks.

    Our procedure is TIME SAVING and transparent. With us, you can secure any denomination of BG / SBLC from 10M to 10B (EURO / USD) in time for use in Heavy / Light project financing anywhere in the world.

    Basically, we are here to help you move your business to the next level.

    Anticipating your interests,
    Email: info.spotfinanceltd@gmail.com
    Skype: spotfinanceltd

    Sincere regards,
    Gary Derek Beckett
    SPOT FINANCE LTD

    BeantwoordenVerwijderen
  3. ARE YOU SEARCHING TO HIRE THE LEGIT HACKERS?
    AND HAVE YOU LOST YOUR HARD EARNED FUNDS TO THE BINARY OPTION SCAM?
    Solving a problem for which you know there’s an answer is like climbing a mountain with a guide, along a trail someone else has laid. This is a global idea that navigates a newbie to a prominent encounter. ( Fully immersed to a degree that the subject in question Is an highly profitable worthwhile experience on merits).
    And also a defined platform that maps a positive step closer to surviving heavy threat on the internet.
    ⚠Warning
    This is real.
    Be wary of fake hackers on here. Not everyone here are legit hackers. To before warned is to before harmed.
    Scammers lacks website with no genuine review. And claims they hack for 30 minutes. That's never possible. People wear mask of lies so you need to be careful.

    You can put a stop to your anxiety and constant fear of you getting ripped off by forgeries.

    Welcome to the Globalhacks where skilled professional hackers who are driven by passion to make the internet a safer place and rendering proficient help to those having cyber problems. Good news comes rare and it's left for us whether to cherish such glittering ounce of it like a priceless diamond or the otherwise.
    We have acquired best legit cybersecurity professionals who individually has acquired enormous exposure in the world of HACKING, trained & skilled in
    ▪Social media hacks (facebook, twitter, instagram,snapchat)
    ▪Email hacks
    ▪phone hacks
    ▪bitcoin hacks (highest bitcoin loading records to about 426.00362 btc)
    ▪verified PayPal account hacks
    ▪database hacks
    ▪credit card top up
    ▪university score upgrade
    ▪money transfer
    ▪binary option funds recovery. ( recovered $4,372,063 million)
    The binary option is a wide field of concentration cause a lot of people have lost thier hard earned funds to forgeries.
    Be wary of adverts on the internet and mostly on social media promising high returns from binary options trading. The binary option is one of the highly recorded scam on the internet.The Binary options are a form of fixed-odds betting. Particularly a trade involving if an event will occur or not and the result is either positive or negative.
    If the investor is right, then they stand a solid chance of winning and should see a return of the funds invested but if they are wrong, they lose thier full funds invested. The Globalhacker are breeding effort to put an end to these unbearable swindle scheme taking over the intenet and taking a solid step forward to render solution to those affected by the fleece… we have striven to make tenacious effort to relief those who were victims off their traumatic feeling of loss. ( We Are Here To Help Recover Your Stolen Funds).
    Here would be our cybersecurity techniques to retrieving back the victims funds.
    ●The binary broker website would be traced down using a game over peer to peer network via a bug attack,
    What's the use of these bug networks?
    They secure an SQL trace on a hiding server, decentralizing it and redirecting the server to a soft plus network. A soft plus network enable varieties of unique web coding languages, Through that process reveals thier hidden networking source, displaying the changed web page made default.
    In that process unveil the hiding information traceable to track down the scammers and their embezzled central fund reserve system.
    You can stay away from false businesses online, to be highly oned firm by making enquiries for their firm reference number (FRN) and contact details and barter their calls on the switchboard number and also never make use of the link in a website or an email from the firm propitiating you for an investment.
    For more enquiries and help, contact globalhacktechATprotonmailDOTcom.
    BinaryOption.recoveryATcyberservicesDOTcom
    HackerOne©️LLC 2019.

    BeantwoordenVerwijderen
  4. We offer you a good opportunity to take out a loan.
    - Flexible repayment schedule
    - Loan amount: € 5,000.00 and above
    - The interest rate of 1.5%
    - The approval is quick
    - No collateral check

    Apply now!

    Send the Below information for correspondence:

    Name:

    Address:

    Tel:

    Regards

    Philip James
    Email: info.frjames1971@gmail.com
    Skype: info.frjames1971@gmail.com
    whatsapp +14243316469

    BeantwoordenVerwijderen
  5. We are project funder as well as financial lender. We have BG/SBLC specifically for BUY/LEASE at a leasing price of 4%+2% of face value Issuance by HSBC London and many other 25 top AA rated Bank in Europe, Middle East or USA. We also secure funding. Also We are into the provision of short term and long term business/personal loans for both small and large scale business funds.

     FOR LEASING OF BG/SBLC

    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

    LEASING FEE = 4%+2%


    FOR PURCHASE OF FRESH CUT BG/SBLC

    PRICE = 32%+2%

    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

    Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.

    Name: Muhammed Emir Harun

    Contact Mail :info.financewizardltd@gmail.com

    Skype: info.financewizardltd@gmail.com

    BeantwoordenVerwijderen
  6. FINANCIAL AGENT LIMITED provides a full financial planning service to both the commercial and domestic markets. At IQ FINANCE PLC we believe that financial planning is about two things: creating wealth and protecting wealth. These two objectives are at the heart of everything we do. And, as a member of FINANCIAL AGENT LIMITED Services, we give you a small-company service but with a large-company set up – the best of both worlds.  
    You are at liberty to engage our leased facilities into trade programs as well as in signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges and any other turnkey project(s) etc. Our terms and Conditions are reasonable. 
    Leasing Price : 6%+2%
    Buying Price: 38%+2%

    Contact us for more details on our terms and procedure of transaction.

    NAME  :Jason Edward
    EMAIL :financialagentltd@gmail.com
    SKYPE :financialagentltd@gmail.com  

    BeantwoordenVerwijderen
  7. GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY OR LEASE AT THE BEST AVAILABLE RATES
    We offer certified and verifiable financial bank instruments via Swift Transmission from a genuine provider capable
    of taking up time bound transactions.
    FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+2%
    FOR PURCHASE OF FRESH CUT BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    PRICE = 32%+2%
    Our BG/SBLC Financing can help you get your project funded,
    loan financing by providing you with yearly.
    RWA ready to close leasing with any interested client in few banking days
    I will be glad to share with you our working procedures.
    Name : scott james
    Email : inquiry.securedfunding@gmail.com
    Skype : inquiry.securedfunding@gmail.com

    BeantwoordenVerwijderen
  8. GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY OR LEASE AT THE BEST AVAILABLE RATES
    We offer certified and verifiable financial bank instruments via Swift Transmission from a genuine provider capable
    of taking up time bound transactions.
    FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+2%
    FOR PURCHASE OF FRESH CUT BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    PRICE = 32%+2%
    Our BG/SBLC Financing can help you get your project funded,
    loan financing by providing you with yearly.
    RWA ready to close leasing with any interested client in few banking days
    I will be glad to share with you our working procedures.
    Name : Thomas Wolfgang
    Email : inquiry.fastfunding@gmail.com
    Skype : inquiry.fastfunding@gmail.com

    BeantwoordenVerwijderen
  9. Are you looking to Discount, Monetize, or create an immediate Non Recourse loan against a Leased or Purchased bank instrument such as BG,SBLC and Bank Drafts, We solely deal with real deals, real people and real Leased & Purchased Bank instruments that need real monetization. The Bank SWIFT Network is the Gold Standard that validates that your Leased & Purchased Bank instruments is real and it provides a respected industry platform where guaranteed settlement can be facilitated.

    Our contracts also include the monetizer returning the Leased bank instrument to the Issuing bank 15 days prior to the bank instrument expiration.

    Standby Letter of Credit Monetization LTV:

    *Leased BG/SBLC Monetization - 65% Non Recourse
    *Purchased BG/SBLC Monetization - 90% Non Recourse.

    Estimated Completion Time:

    *2-3 Days After Instrument Delivery on the SWIFT Networks.

    We also have trusted and long term business partners/providers who can facilitate issuance & delivery of bank instruments such as BG,SBLC,LC,DLC and Bank Draft at Lease Price 4% + 2% and Purchase price at 32% + 2% where 2% is agent and brokers commission.

    For further enquiries, we can be reached at the information below.

    Email: inquiry.trustedfinanceplc@gmail.com

    Skype : inquiry.trustedfinance@gmail.com

    Name: GARVAN MAIREAD

    Whatsapp : +17329300338

    BeantwoordenVerwijderen
  10. GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY OR LEASE AT THE BEST AVAILABLE RATES
    We offer certified and verifiable financial bank instruments via Swift Transmission from a genuine provider capable
    of taking up time bound transactions.
    FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+2%
    FOR PURCHASE OF FRESH CUT BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    PRICE = 32%+2%
    Our BG/SBLC Financing can help you get your project funded,
    loan financing by providing you with yearly.
    RWA ready to close leasing with any interested client in few banking days
    I will be glad to share with you our working procedures.
    Name : Thomas Wolfgang
    Email : inquiry.fastfunding@gmail.com
    Skype : inquiry.fastfunding@gmail.com

    BeantwoordenVerwijderen
  11. CONTACT US FOR ALL KINDS OF HACKING JOBs @ We offer professional hacking services,we offer the following services;
    -University grades changing
    -Bank accounts hack
    -Erase criminal records hack
    -Facebook hack
    -Twitters hack
    -email accounts hack
    -Grade Changes hack
    Contact us on whatsapp + 1 681 532 3704
    Email- n17833408@gmail.com

    BeantwoordenVerwijderen