Disaggregation Finance Innovation Process 
Harvard Business Review
MAY 5, 2016
They see disrupted incumbents from retail, finance, health care, transportation, professional services, and manufacturing requiring radical restructuring of assets, productivity , and innovation. In other words, design and implement UX from a customers-in sensibility for people and process — rather than a capabilities-out one.
Harvard Business Review
MAY 23, 2013
This five-year old is able to be the inventor without also creating a company because of a product innovation company called Quirky. And, of course, this slowed innovation and restrained market outcomes. Collaboration Innovation Organizational culture' It aligns interests and economics so that all parties have a shared interest.
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