Banks that are able to tap the creative skills of employees so that innovation becomes an integral part of their corporate culture are likely to become the dominant forces in the market-driven environment of the 1990s. The examples of J.P. Morgan, which reinvented corporate banking in the 1980s, and Banc One, which did the same in retail banking, are proof that innovation can be a bank's most formidable competitive tool. Managing creativity to enhance innovation is not necessarily a complicated idea. While management styles differ, the basic logic remains the same. Managing creativity is simply the art of bringing together people with diverse backgrounds and allowing them to work as a team so that they can direct their efforts to the solution of specific problems, such as product development or sales improvement. One important step that can be taken to make such creative teams work would be to provide members with the resources to implement their ideas.