Banks must develop major innovations to prosper, but they don’t know how to. Many still try to build them with an old producer model. In that model, vendors publish roadmaps, banks write long requirement documents, and system integrators deliver projects after months of work. Academic research and field practice point to a different path. Important innovation often come from users. These users share and improve ideas in communities. Breakthroughs scale when a platform gives them simple tools that turn designs into live products without friction. In banking, many “new” services begin as user workarounds before they become official. The next growth line is often being tested by customers and frontline teams already.