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Businesses adapt their way of working, implement innovation initiatives and just about every department takes innovation into account in their annual plans. As a credit manager, or finance leader, you sometimes have to decide to launch an innovation-oriented initiative, but you are also the person who can encourage such an initiative. Embracing change is a good first step. Are you looking for a problem for your solution or the solution to your problem? Discover in our paper how other companies have preceded you.