Harvard Business Review

JULY 12, 2017

Intermediaries or “trust brokers” do not have to be written out of the equation — or disintermediated — as many blockchain enthusiasts argue. Part of the reason insurers are wary of insuring tangible assets in developing markets is the fear of fraud and losses that cannot be validated.

Insurance 15

Insurance Industry Market Penetration Policies 15

Harvard Business Review

MARCH 14, 2017

Many industries have experienced disruption, due to technologies that successfully reduced inefficiencies and frictions, often disintermediating established players in the process. Plus, it can be difficult for the average person to accumulate enough points to earn a meaningful reward. The Benefits of Disruption.

Loyalty 16

Loyalty Customer Loyalty Travel Hotels 16

Harvard Business Review

JULY 28, 2016

Technology has emerged as a competitive weapon in driving operational excellence and superior service quality. But banks cannot control the rules of engagement as they have in the past, since customers now have more choices and are more fragmented, and disintermediation by fintech is making it harder to earn fees. Innovate ferociously.

Banking 8

Banking Industry Disintermediation Offshoring 8

Harvard Business Review

APRIL 4, 2016

So far, the theory behind this laissez-fair regulatory approach — which many in Silicon Valley are happy to endorse — is that platform companies define new markets for which regulators were not prepared, and as such can’t be regulated in the same way as legacy companies. In contrast, in the U.S., In contrast, in the U.S.,

Hotels 8

Hotels Disintermediation Real Estate Franchising 8

Harvard Business Review

JUNE 2, 2014

This is important, because companies that adhere as closely as possible to the patterns of disruption have the greatest chance to create explosive growth and transform markets. In its early days, market leaders felt no pain because Saleslforce.com wasn’t taking away any of their customers; rather, it was creating new ones.

Disruptive Innovation 8

Disruptive Innovation Disintermediation Business Model Innovation 8

Harvard Business Review

MAY 13, 2015

The core disruptive concept is that the “pipe” created by the cable MSOs (multiple system operators) no longer provides the sole gateway to consumers’ television screens. Think about messaging: We’ve relied on mobile phone operators (AT&T, Verizon, et al.) to send text messages. Connecting the dots.

Brand 8

Brand Disintermediation Media Metrics 8

Harvard Business Review

AUGUST 7, 2018

How companies are using artificial intelligence in their business operations. Yet, more so than traditional travel providers, these companies face possible disintermediation by smart speakers, which will be capable of aggregating potential travel options on command. Insight Center. Adopting AI. Sponsored by SAS.

Travel 12

Travel Industry Hotels Airlines 12

Harvard Business Review

SEPTEMBER 27, 2016

HBR: Companies have two options to meet talent shortages—they can look to an external labor market, or they can focus on developing their internal labor market. One way to do so is to periodically “mark to market” skills and capabilities, growing those skills that are market relevant.

Skills 8

Skills Company Core Competence Disintermediation 8

Harvard Business Review

FEBRUARY 22, 2011

Adding a profile on Facebook has little to no impact on Facebook's operating costs. In effect, they are turning online advertising into a lead generation play to deliver better ROI for marketers. The extra search on Google, essentially, is immaterial to Google's economics. More usage funds more infrastructure.

CPA 16

CPA CPM Advertising Disintermediation 16