I hear the term disruptive technology often. Lately, it has been mentioned in relation to ChatGPT. But the reality is disruption is not about technology. It is more about a changing consumer or user behavior and markets, by creating a new equilibrium. It is about answering questions like how the market will change if something is successful, and will this create undeniable value?
To test this idea, let’s look at another technology, blockchain. People keep on saying blockchain is a disruptive technology, but there aren’t a lot of actual use cases that have so far changed consumer behavior or the financial services market equilibrium. When markets are
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