When MasterCard WorldWide's chief innovation officer, Garry Lyons, launched MasterCard Labs two years ago, his approach to hiring was anything but conventional. Lyons began by recruiting talented people who didn't know anything about the payments processing business. "If you know too much about a particular domain, you end up saying 'that won't work' or incrementally improving something." And that, Lyons says, won't lead to the kind of innovations that bring disruptive change to the business. "Our goal is to get next-generation payment solutions into the market faster and cheaper than ever before," he adds.