Everyone can provide a plain old ordinary checking account or car loan for plain old ordinary average people.

Quick, tell me about your members.

No, not the average members. They’re boring. And you already know plenty about them. And so does everyone else.

Find some weirdos.

People out on the fringe. The ones who were in New Guinea last week, and are currently somewhere in Kazakhstan.

The family thinking seriously about what kinds of goats and equipment they’ll need to make 50 gallons of gourmet yogurt every week.

What about the 85 year old woman who gets a nice check from Youtube every month from cat videos, or the quiet college professor in ratty jeans who holds over 300 patents?

The point is, anyone and everyone can provide a plain old ordinary checking account or car loan for plain old ordinary average people.

What can you do that’s different and amazing and delightful for the people out at the edges of ordinary?

Perhaps a special concierge account monitoring and management service would appeal to a lot of frequent world travelers.

Maybe there’s a crying need for small business financing flexible enough to handle unusual or smaller financing needs.

Lots of members would welcome accounts optimized to work best with PayPal, Square, Google Wallet, and other internet payment systems.

And there’s probably more than one invisible genius in your midst who would love to find a wealth management service they can trust so they can get back to the lab.

What can you learn out there on the fringes that you can bring back to all those “regular” people?


Mad props to perpetually pithy pundit Seth Godin for the inspiration!