There is a familiar tale, how all great companies start. They identify a segment of the market in which the current big players are not serving well, and then they rise up to meet this need. Those in strategy call this disruptive innovation. Disruptive innovation, a term coined by the Harvard Business School Professor Clayton Christensen, in his book, The Innovators Dilemma, is what is happening in Kenya’s financial sector today. First, it was the launch of two micro banks, Equity and Family bank, which took the war to the big banks...
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