They include the Isle of Wight's innovative Care4Care scheme where neighbours bank care credits for the time they spend helping elderly neighbours.

BBC: Elderly care crisis requires innovative solutions

Nokia recently appointed Lalita Gupte, an Indian banker who had just retired from ICICI bank, one of the world's most innovative practitioners of bottom-of-the-pyramid finance.

ECONOMIST: The empire strikes back

BRITAIN'S Co-operative Bank may be small, but it is innovative and very profitable.

ECONOMIST: Smile, you��re on the net