Disruptive innovation creates new products or services that solve customer problems in entirely new and different ways.

破坏性的革新创造的新产品或提供的新服务，是以全新的方式解决顾客的问题。

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The app innovation unleashed by smartphones puts pressure on traditional telecom profit centres, not only around value-added services, but also on core messaging and voice services.

智能手机促使应用革新，这样把压力转移到传统的电信营利中心，这种压力不仅存在于增值服务方面，还包括其核心的讯息和通话服务。

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For Paul Stamatiou, FPS is a significant innovation in the field of payment management services based on "everything Amazon has learned about dealing with money transactions."

对Paul Stamatiou而言，FPS是支付管理服务领域内的一次重大革新，它建立于“Amazon从处理货币交易中所学到的所有经验”基础之上。

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The program recently won a Health and Human Services Innovation award and, as of this month, has sent nearly 6 million messages to more than 100, 000 subscribers.

WHITEHOUSE: Office of Science and Technology Policy Blog

One particularly innovative partner which illustrates our approach is the Center for Financial Services Innovation (CFSI) whom we worked jointly with to establish the first ever US Financial Capability Innovation Fund.

FORBES: Citi Foundation: Investing in Products, Access and People for Financial Inclusion

They are "a symbol of economic health and a vibrant community, " says Jennifer Tescher, head of the Center for Financial Services Innovation, a research group that focuses on people without a banking relationship.

WSJ: After Years of Growth, Banks Are Pruning Their Branches