Exponential Industries Ripe For Disruption 2017-09-21T01:44:37+00:00


Healthcare Interface: Biosensors in Smartphones

According to a recent Forbes article by Bernard Marr, Google, Apple and Samsung are investing billions in biosensors. Why is this an important cue? Combined with big data, machine learning and artificial intelligence, you smart phone or wearable can detect your condition before you can. It will diagnose you better than any human physician because it’s based on every recorded physician document in the database (impossible for a single physician to memorize) and administer a script that is formulated for your specific genome. The prediction is that this will make 100 years old the new 60.  Where can you capitalize on this new interface? What can you build on top of this? What periphials will companies be scrambling to create? Can you carve out a small niche? See the Health Care Disruptive Interface Case Study Here to find out if there will be a Bio App Store on your phone by 2025


Financial Interface: Blockchain Technology Adoption

When the group around Singularity University starts focusing on an industry with the sole purpose of disrupting it you should take notice if for no other reason than having Google’s Director of Engineering to lead their machine learning lab. Blockchain technology (digital currency) is feverishly weaving it’s way into our financial system as a global currency system. In fact Harvard Business Review released an article titled “Blockchain will do to the financial system what internet did to media“.  It’s exponentially more secure, according to HBR with 45% of financial intermediaries suffering from crime every year. The key is to look for the interface moments. These are points of interaction that will disrupt the intermediary points that it flows through. The flow of capital will be redirected through more direct channels, more securely.  That’s where your opportunity lies. Compare this to the browser as it came into mainstream. Previous to the browser, searching the web required specialized knowledge.  Timing is everything. What if you started building ecommerce sites before amazon? This will happen again in finance. Consumer facing apps are exchanging world currencies for 1/10 cost of western union or exchange rates in ports. It’s much faster using blockchain wallets. This is also happening at an enterprise level. There will be a tipping point. Be on the front side of wave. Sign up for updates below to receive insights as they occur so you’re not in the dark.


Education Interface: The Few To The Crowd

MOOC’s (Massive Open Online Courses) have had a rough start. Essentially, free education from the top universities in the world. They have a 90% incomplete ratio. Seems there is some validity to paying for it and showing up in person. Regardless, education has changed and is in the midst of disruption which should shout “Opportunity!” to your ears.  The industry, according to a somewhat dated Forbes article, forecasted online education to be a $107 billion industry but that was for 2015. As incompletion rates rose, new sign up rates dropped so this is still in a ripe stage to take a foothold. There are individuals selling courses on how to do anything you can think of and succeeding.  Their recorded how-to videos are sold sometimes for thousands of dollars per user and seeing user bases that rival college attendance. The fact that will remain true is that we all want to learn from the best, not the teacher down the street, about what we want to master. That will remain true so creating a platform that makes it easy for that to take place will be a growing opportunity. As seen in “Masterclass”, an online vocational course platform  that has 11-50 employees and includes courses taught by celebrities, ie. take singing lessons straight from Christina Aguilera. Success courses with classes led by actual millionaires or billionaires will always distract potential MBA’s from traditional text books and college professors. The interface moments are here and platforms that take the friction and cost out of education by updating the material taught, making it more relevant, aggregating and facilitating extremely qualified and accomplished leaders and packaging it in an easy-to-digest manner will draw a massive user base. That magnet will always remain a true north. Whether a badge of completion is widely accepted as meaningful remains to be seen but skill proven in the real world seems to be the new college degree, not the piece of paper offered by the college.  Find an opportunity during this unprecedented timing where it’s ripe (disorganized) and you will find your winning foothold to cash in and really help people as an external effect.   


Insurance Interface: Peer-to-Peer Insurance

Whether the following company creates it or another iteration does it better, the fact remains that the current insurance industry will be demonetized. However, people will always want peace of mind, so insurance itself will not go away. Enter companies like Lemonade. The world’s first peer-to-peer insurance company. It takes 90 seconds to get insured, 3 minutes to get paid and involves zero paperwork. How? Traditional insurance companies take monthly payments and only payout when you can prove it fits guidelines in hopes that they end up keeping more than they payout so they make it hard to get paid. The new direction takes the overhead of agents  and brick and mortar locations away and only takes a commission payment for every payout they make which actually incentivizes them to pay you instead. Payments are made instantly and electronically through a secured app. They take a flat fee, if money is left at the end of the year, they give it back to you instead of traditional insurance who basically leave you feeling stolen from. This model will start a movement, a domino effect of changes. Ripe is an understatement. If you have inroads here, get in while the changing of the guard is underway. If you know someone in the insurance industry, share this with them.


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10 Characteristics of Exponential Organizations

  • Staff on Demand

  • Community & Crowd

  • Algorithm

  • Leveraged Assets

  • Engagement

  • Interfacae

  • Dashboard

  • Experimentation

  • Autonomy

  • Social Technologies

Author Salim Ismail advises legacy Fortune 500 companies ( established pre-internet)  on making the digital transition from a legacy model to what he calls an exponential organization by modeling the 10 attributes of the new era Fortune 500 (platforms like Facebook, Soylent).  The difference between the two include exponential growth opportunities.  I used the example of Soylent because it is a food product who open sourced their ingredients to illustrate that this is no longer just a software business model.  A company that successfully accomplished this transition is TED talks, the educational speakers circuit with “Ideas Worth Spreading”. “TED Talks” leveraged the internet to essentialy open source their company, allowing anyone to create a TEDx event by following their guidelines. This exploded exposure and the company’s revenue by 10x. Salim is also the founding CEO of Singularity University.  SU is partnering with some of the brightest people in the world to launch and invest in disruptive technology startups.

You are either the disrupted or the disruptor” – Salim Ismail.

For example, peer to peer insurance by lemonade.com. This is poised to disrupt insurance by changing the fundimental model, making it faster,  more transparent, cheaper and more convenient for the the insured party.

Lemonade.com and others using this new business model will very likely mean the end of large insurance companies with a top down structure such as State Farm.  That legacy business model won’t be able to compete with the speed of growth compared to companies using ‘Network Effects’ where users bring on new users.

The costs associated with growth for a legacy company don’t exist in an exponential organization.  When compared to a company born on a digital network, the overhead alone will stop them from competing with their pricing model.

That is, unless they embrace the same business model. That would require allowing themselves to split away from what got them where they are now which inherently feels counter intuitive. For this reason, most of them won’t do it.  Rather, they will be replaced.

Industries that require specialized knowledge such as the health industry, accounting, insurance, education and more are currently under attack by Silicon Valley and will undergo  disruption for the next 10 years (prediction by Peter Diamindis, best selling author of Bold) which will cause explosive growth for some and lead to entirely new industries.

Get the foresight to see these new industries as they arise.

Get your roadmap that will shed light and help you pave the way through the transformation.  Most people won’t see this coming until it’s already all around them. Don’t be replaced by something that seems foreign to you.  Become the change and ride the front of the wave.

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“When you do innovation in a big company the immune system of the company will attack you.”

– Salim Ismail