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Three Horizons Future Strategy

Exploring Forecasting, Pathways, Roadmaps, and Scenario Modelling

Introduction

Business As Usual (BAU) is often assumed to remain stable, but in reality, it evolves as processes change, new technologies emerge, and regulatory environments shift. The Three Horizons Model illustrates this evolution, where existing business models decline while innovative and transformative solutions take their place. Traditional financial processes, such as credit cards, are evolving into decentralised and digital transactions. Meanwhile, advancements in AI, such as LLM-powered Retrieval-Augmented Generation (RAG), are reshaping knowledge management, offering automation benefits but also presenting risks such as knowledge decay and succession planning challenges.

Current Innovation: Credit Cards

Credit cards revolutionised transactions by reducing the need for cash, introducing fraud protection, and enabling global commerce.

  • 1950s: First charge cards introduced
  • 1970s: Widespread adoption of magnetic stripe cards
  • 2000s: Contactless payments & mobile banking
  • 2020s: Blockchain & decentralised finance trends

Future Innovation: AI & Knowledge Systems

Large Language Models (LLMs) and Retrieval-Augmented Generation (RAG) are transforming how businesses manage information.

  • Enhanced automation & role consolidation
  • Improved customer support via AI-driven responses
  • Risks of knowledge decay & loss of tacit expertise
  • Implications for workforce development & succession planning

Strategic Three Horizons Quadrant Model

Explore example strategic decision approaches based on subject. In time the position's could change depending the environment.

quadrantChart title Three Horizons Quadrant x-axis Low Uncertainty --> High Uncertainty y-axis Low Influence --> High Influence quadrant-1 Pathways quadrant-2 Roadmap quadrant-3 Forecast quadrant-4 Scenario Modelling BCP: [0.7, 0.3] %% High Influence, Low Uncertainty (Pathways) Financial Forecasting: [0.2, 0.4] %% Medium Influence, Low Uncertainty (Pathways) Business Casework: [0.4, 0.3] %% Medium-High Influence, Low-Medium Uncertainty (Roadmap) Legislative Change: [0.8, 0.6] %% High Influence, High Uncertainty (Scenario Modelling) Internal Policies: [0.5, 0.8] %% Medium Influence, Low Uncertainty (Pathways) COTS System Dev: [0.1, 0.6] %% Medium Uncertainty, Medium Influence (Forecast) Custom System Dev: [0.4, 0.9] %% Medium Uncertainty, Medium Influence (Forecast) New Service: [0.9, 0.7] %% High Uncertainty, High Influence (Scenario Modelling) Political Landscape: [0.8, 0.2] %% High Uncertainty, High Influence (Scenario Modelling)

Three Horizons Model

The diagram depicts a transformation process starting from the traditional "Business As Usual". Through the infusion of innovation, this traditional approach shifts to "Disruptive Technology", which, when combined with visionary growth, ultimately leads to a "Transformative Future".

graph TD; H1[Business As Usual] -->|Innovation| H2[Disruptive Technology]; H2 -->|Visionary Growth| H3[Transformative Future];

Exploring Strategic Approaches: Forecasting, Pathways, Roadmaps and Scenario Modelling

Strategic planning and decision-making involve different approaches depending on the level of certainty, risk, and agency. These approaches—Forecasting, Roadmaps, Pathways, and Scenario Modelling—help organisations navigate complex environments and future possibilities.

Forecasting: Predicting with Certainty

Forecasting is based on historical data and established trends to predict future outcomes with a certain degree of confidence. It relies on statistical models and trend analysis to anticipate what might happen under normal conditions.

Roadmaps: Guiding Progress Over Time

Roadmaps provide a visual representation of strategic initiatives over time, highlighting key milestones and decision points. They help organisations align resources and set priorities for both short-term actions and long-term goals that has some degree of certainty.

Pathways: Exploring Alternative Futures

Pathways involve mapping out different potential routes an organisation could take. They consider various scenarios and uncertainties to identify flexible strategies that can adapt to changing conditions.

Scenario Modelling: Preparing for the Unexpected

Scenario modelling is about envisioning a range of possible futures, including unexpected disruptions. It enables decision-makers to consider multiple outcomes and prepare contingency plans, ensuring resilience in the face of uncertainty.

Financial Evolution

The Three horizons graph illustrates the evolution of financial transactions over time. It begins with the traditional use of cash (representing BAU), then moves through the innovative introduction of credit cards, and finally points towards the emerging digital transactions economy as the future.

Information Knowledge System Evolution

This Third Horizons graph illustrates the transformation in digital knowledge systems, tracing the shift from traditional structured data to the emergence of intelligent autonomous agents.

Mobility Evolution: Walk to Horses to Cars

In the early 1900s, walking was the default mode of mobility, the standard for daily life and business-as-usual (BAU). The introduction of horses as a mode of transport marked a disruptive innovation, dramatically improving travel speed and efficiency. However, as technology advanced, the impact of horse-based mobility diminished, paving the way for a more scalable and transformative shift—the automobile. Visionaries like Henry Ford championed this evolution, striving to make cars not a luxury but an everyday necessity. His vision of "a car for the great multitude" revolutionised accessibility and reshaped urban landscapes.

Miro Template for Three Horizons Model

Explore an interactive Miro board that demonstrates the Three Horizons Model. This template provides a visual and collaborative way to understand how traditional business models evolve into innovative solutions and ultimately transform into future, disruptive paradigms.

"To Predict the Future, You Must Make the Future"

True innovation requires a proactive stance. Rather than simply reacting to external trends, forward-thinking organisations create the conditions for future success. When you identify emerging needs, invest in game-changing ideas, and empower teams to experiment, you transform uncertainty into opportunity.

The Coca-Cola Effect

Viewed through the Three Horizons lens, the "Coca-Cola Effect" illustrates a brand's extraordinary ability to bridge tradition and innovation. In Horizon 1, the company builds on its legacy with a strong, familiar core that resonates across generations. Horizon 2 captures Coca-Cola's strategic reinvestment and adaptation—its ongoing innovations that respond to contemporary market demands without losing its iconic appeal. Finally, Horizon 3 is about future-proofing the brand through visionary transformation.

Coca-Cola’s brand equity, consumer loyalty, and consistent reinvestment can compound over time, reinforcing brand strength even amid changing market conditions.

Three Horizons: A Model for Biodiversity Conservation

The Three Horizons model provides a structured approach to envisioning long-term change in biodiversity conservation. Co-created by Bill Sharpe of the International Futures Forum, this framework helps balance immediate actions with future transformation.

In this video, the Luc Hoffmann Institute team and partners hear from Bill Sharpe himself, exploring how the Three Horizons approach can shape a sustainable future.

Innovations in Code & Merging of Roles

This video section illustrates how innovative coding practices and the merging of traditional roles can drive organisational transformation. It demonstrates how integrated technology solutions pave the way for agile, future-ready teams.

Horizon Negative Mindsets & Stakeholder Perspectives

Introduction

Understanding how organisations and teams approach change is crucial for success. The Horizon Negative Mindsets model highlights the challenges faced when moving between different perspectives—between business as usual (BAU), innovation, and future-focused thinking.

Stakeholder Mindsets

Different stakeholders have different perspectives on change:

Context

When making strategic decisions, these conflicting mindsets create tension. The cycle of resistance and pushback between these groups can create delays in decision-making, risk aversion, and slow transformation.

Horizon Negative Mindsets Diagram

Stakeholders and Tensions Overview

In any organisation undergoing change, multiple perspectives are at play. Below is a detailed look at the stakeholders involved and the tensions that arise between them.

Stakeholders

Tensions

Three Horizons Consensus

The Three Horizons Consensus model integrates insights from the Business Activity Model (BAM) approach with the CATWOE framework. This approach encourages compromise and dialogue between immediate business requirements and future strategic vision, ensuring an optimised outcome.

Furthermore, incorporating process mapping and gap analysis helps translate visionary ideas into actionable plans. This approach not only brings innovative concepts into reality but also eases the transition for resistant or critical thinkers, fostering greater acceptance of change.

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