An individual acting alone to solve a problem can be creative, while innovation is the process of adding value by applying a new idea or method to something that is already established. For example, Henry Ford did not contribute the creative energy to invent an automobile.
1/14  Compliance with the regulations is verified on the basis not only of statistical reports, but also of information and documents acquired by the Bank of Italy as part of its administrative activity and in the course of interviews with corporate officers.