The U.S. healthcare system is undergoing a disruptive transformation as it shifts toward a value-based model that makes providers more accountable to their patients and payors. As players throughout the system scramble to adjust, they should look to the financial services industry which has undergone a similar transformation over the past 20 years as it has evolved to provide greater transparency and accountability. The cultural and operational challenge for incumbent financial services firms was enormous. But as investors gained access to troves of information through the internet, and made more informed decisions on their own, financial services had no choice but to evolve. In response, these companies made three significant shifts in their offerings: (1) they turned services into products; (2) they improved convenience while lowering cost; and (3) they leveraged big data to provide tailored customer solutions.