If you're going to change things, the top leadership has to want change, too. That was one important thing we learned from Kyle Nicholas McCray as he told us about managing innovation at American Pacific Mortgage. While American Pacific has set up tents in both general camps of innovation, Kyle also told us about the skills and strategies he and his team are developing especially for disruption. If you want to learn more about investments they're making or the amazing success they've experienced so far with startup-partnership, visit their website at apmortgage.com or connect with Kyle on Twitter @_thedisruptor. For information regarding your data privacy, visit acast.com/privacy