N2Growth Blog

OCTOBER 10, 2010

Incremental improvements are good business, while disruptive innovation is great business – a game changer. Disruptive innovation is the game changer that shatters the status quo. I look at incremental improvements as a necessary part of day-to-day operations, and a necessary component of keeping things current.

Blog 379

Blog Media Open-book Learning-by-Doing 379

Harvard Business Review

MAY 29, 2019

Citigroup leading analyst Ronit Ghose, Lemonade Insurance founder and CEO Daniel Schreiber, and OakNorth Bank founder and CEO Rishi Khosla discuss the new possibilities that AI offers the finance industry. Those who manage to use this emerging technology to reduce friction for customers will win.

Finance 10

Finance Insurance Banking CEO 10

Harvard Business Review

JUNE 21, 2017

We need to start treating innovation like other business disciplines — as a set of tools that are designed to accomplish specific objectives. It was with this in mind that I created the Innovation Matrix to help leaders identify the right type of strategy to solve a problem, by asking two questions: How well can we define the problem?

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Innovation Disruptive Innovation Christensen Open-book 22

Harvard Business Review

MARCH 31, 2021

Cryptocurrencies are fueling the emergence of decentralized finance. What is it, how does it work, and who will benefit?

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Decentralization Finance Disruptive Innovation Technology 10

Harvard Business Review

JANUARY 26, 2012

Over the years, venture capitalists have been some of the most ardent students of disruptive innovation. In classic cases of industry disruption, such as in steel or airlines , incumbent firms have tens of thousands of employees. They are acutely attuned to disruptive innovation, and their size makes them nimble.

Hedge 16

Hedge Disruptive Innovation Venture Capitalist Venture Funding 16

Harvard Business Review

SEPTEMBER 27, 2013

In 2007, Clayton Christensen co-founded Rose Park Advisors, a hedge fund devoted to investing in disruptive companies. The idea was to transform his theory of disruptive innovation into an investment thesis. Disruptive innovation can take several forms, and the market understands some types better than others.

Innovation 9

Innovation Marketing Disruptive Innovation Discounted Cash Flow 9

Harvard Business Review

JULY 4, 2014

LearnVest clients have access to a dedicated certified financial planner who can help them better manage their finances and achieve their financial goals, including budget planning, loan optimization, and investment allocation advice. Disruptive innovation'

Insurance 16

Insurance Disruptive Innovation Industry Advice 16

Harvard Business Review

SEPTEMBER 8, 2014

In my experience, most CEOs, CFOs, and other C-suite executives involved in strategy formulation know these finance basics. (Or, Financing needs are in large part driven by the cash on hand and the working capital required to conduct and grow the business. Or, they learn fast after a few investor meetings.) But consider the basics.

Debt to Equity Ratio 14

Debt to Equity Ratio Cost of Capital Strategy Incentives 14

Harvard Business Review

MARCH 12, 2012

These four elements set the stage for disruptive innovation to emerge, which suggests a more focused approach to national cleantech policy — and a path towards competing asymmetrically with China.

Disruptive Innovation 14

Disruptive Innovation Competitive Advantage Business Model Technology 14

Harvard Business Review

MARCH 23, 2012

For example, I'm sure that most innovation practitioners wouldn't put baseball researcher Bill James on their list, but his mission to find patterns, develop theories, and overturn orthodoxy has greatly influenced my own thinking. He is one of the most thoughtful students of disruptive innovation you'll meet. Horace Dediu.

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Innovation Ries Mauborgne Open-book 16

Harvard Business Review

MARCH 21, 2011

To paraphrase from "The Music Man," I am a sadder but definitely a wiser girl after this first encounter with venture financing, as this experience has become a well of lessons from which I draw daily in my personal and professional life. My husband and I lost a painful lot of money. It was devastating. Lesson 1: Set clear boundaries.

Due Diligence 15

Due Diligence Magazine SWOT Christensen 15

Harvard Business Review

MARCH 9, 2016

If the public sector is to realize the full potential of digital technology to transform public finances and even kickstart national economic growth, governments will have to move beyond streamlining services and cutting red-tape for entrepreneurs. As the examples of Singapore and many other countries illustrate, these steps are not enough.

Entrepreneur 8

Entrepreneur Disruptive Innovation Venture Capitalist Business Model 8

Harvard Business Review

AUGUST 29, 2011

As long as the Model T's design remained ahead of the competition, as long as it competed on price, and as long as the market's needs remained static, this was a successful and disruptive innovation strategy, since Ford had no compelling reason to innovate in any other sphere other than cost- and price-reduction.

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Innovation Mass Marketing Price Market Segmentation 18

Harvard Business Review

SEPTEMBER 30, 2011

He's not only the controlling shareholder of Rose Park Advisors; our investment approach is based on his theory of disruptive innovation. When Clay is in the room, people want to hear from him. Next on deck is his son, Matt, the CEO and portfolio manager; then me. But here's the rub.

Christensen 17

Christensen Sports Disruptive Innovation Learning-by-Doing 17

Harvard Business Review

FEBRUARY 6, 2014

We don’t know enough of its finances to know precisely how successful it has been, but with tens of millions of viewers and sponsorship packages north of $2 million, it is a good bet that ESPN has done well on its bet. The reason why serves as a good reminder of how to assess the full impact of a potentially disruptive innovation.

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Disruptive Innovation Market Segmentation Christensen Market Penetration 8

Harvard Business Review

MAY 26, 2014

The traditional advice, from Clayton Christensen’s work on disruptive innovations and Michael Tushman’s on organizational ambidexterity , is to set up the new activity as a separate unit, reporting to a manager at the corporate headquarters who can sponsor the new activity and help to integrate it with the rest of the company.

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Mass Marketing Brand Disruptive Innovation Advice 13

Harvard Business Review

JUNE 9, 2014

You might see this fledgling business (Mine Kafon is being prototyped and tested now, thanks to a fully funded Kickstarter campaign to finance its development) as a brilliant act of business strategy. The Industries Apple Could Disrupt Next. Disruptive innovation Innovation Strategy'

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Innovation Disruptive Innovation Strategy Creativity 10

Harvard Business Review

JUNE 27, 2013

With traditional sources of financing unavailable, Kellond raised her first round of capital ($408,000) on Kickstarter — the ultimate in creative financing. Think about it — disruptive innovation is about playing where no one wants to play (low-end), or has thought of playing (new market).

Entrepreneur 9

Entrepreneur Sports Disruptive Innovation Innovation 9

Harvard Business Review

AUGUST 7, 2013

Meanwhile, Quicken did the right thing when they bought Mint.com , a free threat to their personal finance software. Competition Disruptive innovation' Instead, MyFitnessPal''s user based has climbed to over 30 million users and Weight Watchers is scrambling. Is it the right move for every company dealing with the threat?

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Disruptive Innovation Advertising Discount IPO 8

Harvard Business Review

NOVEMBER 7, 2012

As a liberal arts major with very limited exposure to business or finance, I found the stock market fascinating but bewildering. Disruptive Innovation Comes to Health Care. Even today, twenty-five years later, a well-executed market-signals analysis provides management with a great deal of insight. More >>.

Price 8

Price Analysis Cost of Capital Disruptive Innovation 8

Harvard Business Review

JULY 4, 2014

LearnVest clients have access to a dedicated certified financial planner who can help them better manage their finances and achieve their financial goals, including budget planning, loan optimization, and investment allocation advice. Disruptive innovation'

Insurance 9

Insurance Disruptive Innovation Industry Advice 9

Harvard Business Review

MAY 30, 2013

Between your idea and the helm, there are legal departments, finance departments, marketing departments, other business units, channel partners, and sometimes even your customers. Eric Schmidt, Google''s chairman, has even gone on record to suggest that maintaining this perspective on innovation is what keeps Google growing.

Company 12

Company Ries Maturity Innovation 12

Harvard Business Review

NOVEMBER 24, 2017

Since its HBR debut in 1995, the concept of disruptive innovation —the process by which a smaller company with limited resources is able to launch a product or service that displaces established competitors—has been extensively incorporated into startup vernacular.

Disruptive Innovation 9

Disruptive Innovation Entrepreneur Sample Resources 9

Harvard Business Review

DECEMBER 14, 2011

For example, when GE introduced a low-cost electrocardiogram machine in India, it also developed innovative ways to finance and distribute the device. Some of the emerging Asian giants also feature innovative business models. Have you heard of Tencent?

Trends 15

Trends Innovation Govindarajan Class 15

Harvard Business Review

SEPTEMBER 4, 2017

And while that may seem appealing to unsavvy onlookers, it can be the kiss of death for a CEO facing disruptive entrants. Asset-light businesses are not financed with debt. They’re financed with equity—in other words, a stake in the company. It’s not a level playing field.

Christensen 9

Christensen Finance Innovation B2B 9

Harvard Business Review

OCTOBER 27, 2011

Listening to Amazon's finance chief Tom Szkutak explain the miss, it was immediately apparent that Amazon's problem was not with the top line. Its earnings were down 73% from the quarter a year earlier and it missed the analysts' consensus estimate of $0.24 per share by nearly a dime.

Christensen 15

Christensen Retail Long-term Incubator 15

Harvard Business Review

FEBRUARY 19, 2015

Steve Jobs’ successors are at least an order of magnitude more credible as disruptive innovators than the heirs of Ford and Sloan. According to data from Yahoo finance, company’s market cap exceeds that of Toyota, BMW, Volkswagen, Ford, GM, Honda, Fiat Chrysler, Tesla, and Daimler combined.

Automotive 8

Automotive Supply Chain Disruptive Innovation Retail 8

Harvard Business Review

MARCH 16, 2012

"Competition" has changed when individuals can create value through a centralized network of resources: for example, designing a product from anywhere, producing it through a 3D factory , financing it through community and distribution from anywhere to anywhere. Yet our business models have not changed to keep pace with these shifts.

Christensen 18

Christensen Business Model Decentralization Innovation 18

Harvard Business Review

JUNE 22, 2018

HCCI outsourced back-office operations — human resources, accounting, finance, medical transcription, radiology — to low-cost but high-skilled employees in India. For instance, all FDA approved medicines were purchased at one-tenth the cost for the same medicines in the U.S.

Health Care 16

Health Care System Innovation Price 16

Harvard Business Review

JANUARY 30, 2014

Apple Disruptive innovation Finance' I would like to imagine, though, that he sees the stock market’s uncertainty-fueled dickering about his company as permission to make his own danged decisions about its future, and not spend too much time worrying about what the market might be trying to tell him.

Price 8

Price Disruptive Innovation Uncertainty Marketing 8

Harvard Business Review

DECEMBER 18, 2013

Setting up small, high-performing virtual teams has enormous potential for companies to increase sales, penetrate new markets, improve business processes and come up with the next generation of disruptive innovations. But putting together a great team is tricky.

Team 10

Team Sharpe Disruptive Innovation Bottom-up 10

Harvard Business Review

NOVEMBER 15, 2017

For example, by pulling together people from finance, human resources, sales, and other product-related departments, one retailer figured out how the company could operate with one-third fewer employees in its stores.

Retail 15

Retail Chief Executive Officer Supply Chain Merchandising 15

Harvard Business Review

SEPTEMBER 30, 2022

A series of conversations on influential management ideas from HBR’s first 100 years.

Management 24

Management Emotional Intelligence Disruptive Innovation Finance 24

Harvard Business Review

JANUARY 24, 2013

competition from one-year, more focused courses (such as one-year degrees in finance, which are increasingly popular); and the ability to obtain somewhat substitutable credentials of other kinds. What can we predict?

Creativity 9

Creativity Short-term Trends Education 9

Harvard Business Review

MAY 21, 2015

Recent developments, such as falling solar panel prices and increases in efficiency rates (the rate at which sunlight hitting panels is turned into usable energy), have made distributed energy increasingly economical, while new business models and financing methods have made it more accessible. This story of disruption should feel familiar.

Energy 8

Energy Transportation Software Price 8

Harvard Business Review

MAY 19, 2015

Hailed in the 1960s as bastions of sophisticated management, they used cheap financing to acquire, then rationalize, many family-owned firms. With GE’s recent announcement to split off its remaining finance operations , and Honeywell also considering divestment, the pressure on these groups remains in force.

Engineering 8

Engineering Learning Curve Fixed Costs Finance 8

Harvard Business Review

FEBRUARY 17, 2021

What is “deep tech?” ” And could it help bring about an age of abundance?

Disruptive Innovation 18

Disruptive Innovation Finance Technology Innovation 18