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Service Sector - Financial Services
1. Explosion of customer choice
2. Globalisation of financial services - extensive use of computer technology
3. Innovation on both market, product range and service delivery - redefinition of financial products and outlets
4. Mergers and takeovers due to deregulation particularly among new banks (old building societies)
5. Marked change in the perception of financial products
6. Threats to new and old distribution channels
7. Growth of corporations - market dominated by a few players
The first stage in the new-product process is idea generation. screening and evaluation. business analysis. new-product strategy development. concept testing.
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