REPOSITIONING FOR THE NEW WORLD OF RETIREMENT Only 13% of private sector U.S. workers now have defined benefit pensions, down from 38% a generation ago—while at the same time life expectancy for a retiree has increased from 81 to 85. As the prevalence of defined benefit plans has declined, there has been a corresponding increase… Read More


DETECTING MARKETPLACE FAULT LINES Over the course of 160 years, Aetna had grown into one of America’s premiere insurance companies. But in 2010, incoming CEO Mark Bertolini made a case to the board of directors for major change despite strong growth and steady profits. He was driven in part by personal experiences that left him… Read More


VENTURING BEYOND CORE MARKETS Already the largest operator of fueling stations in Australia, Caltex sought new ways to reach its target of 8% annual growth during a time of falling oil prices and flat demand. The leadership team recognized that they would need to move beyond its core—to pursue a portfolio of new opportunities to… Read More


DISRUPTING THE CARE MODEL By leading the industry in opening clinics inside its stores, Walgreens was already shifting to providing affordable care—by offering flu shots and basic testing in a convenient setting for accessible prices. But expanding into more complex health services presented a greater challenge. Developing disruptive mechanisms to simplify, decentralize, and drive down… Read More


GETTING INNOVATION BACK Over its 200-year history, Citi had established a long history as an innovator in global banking, from funding the transatlantic cable to establishing the first Foreign Exchange Network to the pioneering of ATMs. But senior leadership acknowledged that the company had lost its footing in the years leading up to 2008 as… Read More


IDENTIFYING BARRIERS TO CARDIAC CARE Across India, heart disease has been rising, with some studies estimating that this nation of 1 billion accounts for 60% of the world’s heart disease. Since most people don’t have health insurance, only a tiny percentage can afford proper cardiac care. As the world’s leading company dedicated to medical devices, Medtronic… Read More


CONFRONTING A GLOBAL HEALTH CRISIS The two-day event attracted a wide range of leaders—including public health and supply chain experts—from places as diverse as the World Health Organization (WHO), MIT, Partners in Health, and Wal-Mart. Convening at Innosight’s Business Design Lab, the MDR-TB Solutions Summit began by laying out the severity of the problem for… Read More


IMAGINING A SOLUTION FOR NON-CONSUMERS The name Godrej is synonymous with refrigerator in India, but electricity is unavailable or unreliable in many rural areas, and millions of families earning under $5 per day can’t afford to buy one. The idea to address the basic refrigeration needs of rural households in began in 2006 at a… Read More


MEETING THE CONTINUAL GROWTH CHALLENGE Best known for its marketing might, P&G’s legacy as an innovator is equally rich. Over its 175-year history, the Cincinnati firm has consistently created new categories of consumer goods—from the first disposable diaper (Pampers) to the first fluoride toothpaste (Crest) to the first synthetic laundry detergent (Tide). But in March… Read More


FACING DISRUPTION HEAD ON The Boston-based firm traces its roots back to the beginning of books crafted in America, publishing the likes of Hawthorne, Longfellow, Emerson, Thoreau and Twain. Nowadays, textbooks account for more than 90 percent of its revenue. But education is undergoing tumultuous change as kids and teachers rely more and more on tablets… Read More