MAP20071503554 Thomke, Stefan R&D comes to services : Bank of America's pathbreaking experiments / by Stefan Thomke Services companies have long suffered from haphazard approaches to innovation. But a leading bank is proving that service development can be as rigorous as product development En: Harvard business review. - Boston. - April 2003 ; p. 70-79 1. Banca . 2. Análisis de mercados . 3. Operaciones bancarias . 4. Innovación empresarial . 5. Planes de desarrollo . 6. Empresas de servicios . I. Título. II. Título: Harvard business review.