Today, almost every industry is vulnerable to the effects of digitization and to what Accenture calls “Big Bang Disruption.” In Big Bang disruption, rule-changing innovation leads to the creation of entire product lines (or the destruction of whole markets) essentially overnight, with disrupters coming from outside the industry that they are disrupting. Technological innovations ranging from smartphones to Big Data analytics to cloud computing make it easier than ever for new challengers – especially those unburdened by legacy systems or brick-and-mortar networks – to gain access to high-quality market information and mass distribution. New services can quickly go from trial to large-scale rollout and massive adoption, and established players can fall quickly by the wayside; think of how mobile GPS applications have taken the market by storm.