2009 disruption incumbents 
abovethecrowd.com
JUNE 17, 2014
Many entrepreneurs in Silicon Valley believe that the financial services industry in the United States is “ripe for disruption. ” First, they believe that the current offerings from the financial incumbents are lacking. Many blame Dodd-Frank and the consolidation post 2009 for the loss of free checking. bank transfer to happen.
Unvalidated Learnings
JUNE 8, 2017
As such, the history of the MP3 gives an excellent framework to anticipate how disruptive 10x innovations impact a market, and who the winners and losers of such breakthroughs will be. incumbents simply did not have the right teams to adapt to the changing environment. The MP3 is a perfect case study of Innovator’s Dilemma.
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Y Combinator
APRIL 26, 2021
Even with $125K from YC and $1–2M in venture funding, a startup’s credit limit is still likely to tap out at $20K from an incumbent creditor—which is not nearly enough to cover software, marketing, and other expenses. Stripe’s launch in 2009 made it possible for startups to easily collect payments online via developer-friendly APIs.
abovethecrowd.com
APRIL 17, 2013
A high rake will allow you to achieve larger revenues faster, but it will eventually represent a strategic red flag – a pricing umbrella that can be exploited by others in the ecosystem, perhaps by someone with a more disruptive business model. The 30% rake basically launched a nasty competitor with a disruptive pricing model.
abovethecrowd.com
NOVEMBER 14, 2017
Our firm has had the good fortune to invest in many two-sided networks that used information aggregation, supplier aggregation, and user generated content to attract and inform consumers and resultantly disrupt and change different industries. These are areas where digital tools have had an impact on other industries.
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