This article was published by Fintech Circle in April 2026 to coincide with the publication of Disruptive Innovation in Financial Services. It sets out the central argument of the book: that innovation fails not because of the technology chosen, but because of four specific gaps that most organisations never address. Mindset before methodology. Strategy grounded in market reality. Revenue as the real test of whether an innovation works. And the discipline required to scale inside one of the world's most regulated environments.
The infographic below summarises the four themes. The full article is on the Fintech Circle website.
Declan Sheehy's book Disruptive Innovation in Financial Services is available now.
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