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Designing and developing innovative business solutions is about more than just incorporating innovative technology. In the case of consumer-facing solutions, it is about carefully balancing emerging innovative technologies with general consumer trends, and the overall value added by the new innovation.

Paul Race, innovation marketing manager at NCR Financial Solutions Division, in Dundee, says: "We look for consumer trends and then build a vision for the future and then build technology to fit the vision.

"Our methodology determines the various risks and iss

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