Harvard Business Review

JANUARY 29, 2018

For the former, we examined the presence and market penetration of disruptor companies; we also considered incumbents’ financial performance. Previously strong barriers to entry have perished; fixed assets such as car fleets, hotels, bank branches, and landline infrastructure have become weaknesses.

Industry 8

Industry Fixed Assets Retail Market Penetration 8

Harvard Business Review

JULY 8, 2013

Their market penetration has probably peaked , as younger consumers (among them many of my colleagues at HBR) increasingly opt for cheaper workarounds via their Internet connections. If the need to reuse the machines really was what was driving the cable companies'' return policies, though, they would make returns easy.

Market Penetration 8

Market Penetration Industry Telecommunications Strategy 8

Harvard Business Review

JULY 12, 2017

While the large banks are at the center of this trust vacuum — with a seemingly steady stream of scandals, such as the recent Wells Fargo account rigging debacle — the erosion of trust is bad for everyone. And yet trust in business institutions, and the financial services sector in particular, is at an all-time low.

Insurance 11

Insurance Industry Policies Market Penetration 11