2015 Finance Market Penetration Technology 
Harvard Business Review
MARCH 31, 2016
For years Apple’s market penetration hung in the single digits. But by early 2015 they stopped accepting new submissions to their open market and discontinued their API support for external developers. Before the iPhone launched in 2007, HP dominated the handheld calculator space for science and finance.
Harvard Business Review
JULY 12, 2017
In effect, they all had skin in the game, which remains one of the most elusive elements of modern finance. Thus a trust and efficiency engine like blockchain technology has the potential to drive radical change in the insurance industry while improving transparency and outcomes across the entire value chain.
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