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Introduction
This article discusses SIB as example of a financial innovation that could contribute to a significant improvement of society.
These assets are innovative way of funding welfare issues. 
They are used to fund social programs such as helping homeless people or supporting early interventions with underprivileged people. 
It is made by redesigning social programs through market-based solutions. Moreover, SIBs improve transparency of expenditures made by government. Finally, they can help to stabilize economic activity and they can contribute to the self-realization of disadvantaged people.
Finance innovation as source and solution for the financial crisis
Over the past years, it has happened a sharp and astonishing increase in the complexity of the financial reality due to some changes:
Financial liberatization
Computeralization of financial market
Excessive liquity
It was also a result from the easy monetary policy in US and Japan. As a It led to an emergence of many financial products more sophisticated as a result of growing complexity of the investors needs. 
It means an increase in personalized products, maybe influenced by multiplicity of factors such as:
Changes of financial regulation; 
Macro-economic factors;
Changes in the taxation system.