Academic literature on the topic 'Disruptive innovation and Disruptive HR'

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Journal articles on the topic "Disruptive innovation and Disruptive HR"

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Adv., Anju Thomas. "DISRUPTIVE TECHNOLOGY AND STRATEGIES FOR HUMAN RESOURCE MANAGEMENT." International Journal of Human Resource & Industrial Research 3, no. 6 (2016): 67–78. https://doi.org/10.5281/zenodo.10700372.

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The cornerstone of this research paper is the highlight on disruptive innovation in technology for bringing about entrepreneurial human resource management. Therefore, the main purpose of this paper is to introduce the concept of Disruptive innovation and need of disruptive practices in Human Resource management. The review of literatures on innovativeness in Human resource management practices comprise of the significant part of this paper, the survey conducted for the study focus on challenges posed by information technology to human capital, derive the implications of disruptive HR in peopl
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Joshi, Basant P. "Disruptive Innovation in Hospitality Human Resource." Journal of Tourism and Hospitality Education 8 (May 28, 2018): 48–61. http://dx.doi.org/10.3126/jthe.v8i0.20010.

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In this 21st century, where all the organizational activities are transforming into a digital technology base, the disruption in any business cannot be imagined without adapting a technological break through. Technological disruption in HR may cause a robotic service experience for the customers, especially in the hospitality industry because if the human resource component is replaced with the technology, for e.g. a meal service in the restaurant if replaced with a robotic machine or a robot, the human touch component of that experience will not be realized by the customer hence the service i
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Aljuaid, Abdulrahman Awadh, Faisal Saad Alqahtani, Sultan Ahmed Mohammed Albarakati, and Yazeed Abdullah Alomari. "The role of HR practices, big data analytics and innovation in fostering supply chain risk resilience and organizational sustainability." International Journal of Economics, Business and Management Studies 11, no. 2 (2024): 63–78. https://doi.org/10.55284/ijebms.v11i2.1266.

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This study explores the factors influencing logistics firms' risk resilience during crisis periods, with a focus on HR practices, big data analytics capabilities, and innovation. The research further examines the moderating role of disruptive events in the relationship between risk resilience and organizational sustainability. A quantitative research design was employed, utilizing data collected from 156 employees through a structured questionnaire. The findings demonstrate that the proposed framework has significant predictive capability, with Q² values of 36.6% for risk resilience and 41% fo
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Vu, Thi Thuy. "RESPONSES TO DIGITAL HUMAN RESOURCE MANAGEMENT MODEL: SUGGESTIONS FROM DISRUPTIVE INNOVATION THEORY." RMUTT GLOBAL BUSINESS ACCOUNTING AND FINANCE REVIEW 8, no. 1 (2024): 109–20. http://dx.doi.org/10.60101/gbafr.2024.271771.

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Purpose – Considering the popularity of digital technologies, the study aims to provide additional perspective of why managers have low commitment to digital human resource management (HRM) model and how they should interpret and respond to this model.Body of knowledge – The study indicates that rushing to adopt digital HRM model is not encouraged, even though the model has potential benefits in terms of organizational efficiency and employee experience. However, the ignorance of its usage possibilities can make HR managers and professionals lose their control over HR activities to other busin
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Sardana, Avantika. "Achieving disruptive growth & technical innovations: in & through the HR." JIMS8M: The Journal of Indian Management & Strategy 25, no. 1 (2020): 56. http://dx.doi.org/10.5958/0973-9343.2020.00008.3.

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Lazarević, Jelisaveta, Nebojša Savić, Ana Vjetrov, and Ema Marinković. "Talents and innovations: Case of Serbia." Ekonomika preduzeca 70, no. 1-2 (2022): 57–74. http://dx.doi.org/10.5937/ekopre2202057l.

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This research focuses on talents and skills needed for companies' leap towards a higher level of innovativeness and competitiveness in the new digital era. We analyzed data collected through the online survey conducted among 84 companies that operate in Serbia. We did two correlation analyses. The first one observed determinant of innovation and digital transformation among surveyed companies. The results showed that R&D investments and management skills are correlated and significant for all observed digital transformation and innovativeness indicators. The analysis also showed that compa
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Utama, Zukra Budi, Thamrin Abdullah, and Suparno Eko Widodo. "Building Organizational Competitiveness By Building Convergence Of Business Strategy And Hr Strategy." Journal of Business and Behavioural Entrepreneurship 4, no. 1 (2020): 16–25. http://dx.doi.org/10.21009/jobbe.004.1.02.

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How organizations survive following global phenomena in the form of increasingly random and unpredictable changes, which have now entered the industrial era 4.0. by increasing the acceleration of internet-based multi-media computer technology, in communication and control systems that are integrated with automation systems?
 Organizations must make a big leap by realizing the convergence of business strategies with HR strategies. Business and HR strategies are not only unidirectional but united in harmony. Where HR can respond to changes in the external and internal environment that affec
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Dr., Shankar Subramanian Iyer, and Sangeeta Malhotra Dr. "Agile Leadership and Strategic Resilience in the Era of Disruptive Innovation: Preparing Organizations for the Future of Work." RA JOURNALS OF APPLIED RESAERCH 11, no. 04 (2025): 335–44. https://doi.org/10.5281/zenodo.15275126.

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ABSTRACT:In an era defined by rapid technological advancements, shifting workforce dynamics, and pervasive market volatility, the ability of organizations to remain adaptive and forward-looking has become paramount. This study explores the intertwined roles of agile leadership and strategic resilience as critical enablers of organizational preparedness in the face of disruptive innovation and the evolving future of work. The purpose of the research is to examine how agile leadership practices foster strategic resilience, enabling organizations to not only respond effectively to disruptions but
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Masrur, Masrur. "The Challenges of Implementing Online-Based Leadership in The Application of Education Innovations." Nidhomul Haq : Jurnal Manajemen Pendidikan Islam 8, no. 2 (2023): 227–41. http://dx.doi.org/10.31538/ndh.v8i2.3916.

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The purpose of this study was to find out the challenges of online-based leadership implementation in post-pandemic educational innovation applications at Public Aliyah Madrasah (MAN). This study uses a qualitative approach with purposive and snowball sampling techniques. The findings show that: The challenge in improving the quality and competitiveness of online-based schools after the pandemic is the need to develop superior human resources to prepare the community and nation to face the knowledge age as a competitive era. The challenge in Human Resources (HR) and online-based finance after
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Chabanenko, Oleksandr. "GLOBAL TRENDS IN HUMAN CAPITAL MANAGEMENT AT ENTERPRISES." Economic scope, no. 196 (January 17, 2025): 231–36. https://doi.org/10.30838/ep.196.231-236.

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The research explores the disruptive trends in human capital management within organizations in light of accelerating digital transformation of the business environment. This is relevant due to the increasing need to adapt the human capital management approaches of organizations to the challenges of accelerated technological development and changes in the labor market. The research will help in identifying and analyzing some of the key global trends in human capital management, determining the readiness of an organization for their implementation, and understanding the impact of artificial int
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Dissertations / Theses on the topic "Disruptive innovation and Disruptive HR"

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Lemmon, Taylor. "Success Through Disruptive Innovation? The Impact of Disruptive Innovation on Publicly Traded Technology Firms." Scholarship @ Claremont, 2016. http://scholarship.claremont.edu/cmc_theses/1464.

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In recent years the concept of disruptive innovation has become central to business and innovation. A disruptive innovation can be defined as a product, service, technology, or business model that enters the market as either a low-end entrant, while simultaneously bringing some new attribute to the market; or as a new market disruptor that creates a distinct foothold in a previously undiscovered market. Much of the previous research into disruptive innovation has been through case study frameworks, and by selection of specific firms that fit the model. The question is, does the model have meri
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Mount, Matthew. "The mechanisms that drive disruptive innovation." Thesis, University of York, 2012. http://etheses.whiterose.ac.uk/3965/.

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Disruptive innovation as a theory lacks concrete definition and is often misinterpreted in the literature. Previous studies dealing with the phenomenon largely focus on the process of market disruption and the factors that drive the process. However, little research exists that seeks to quantitatively validate existing theory. In response to these problems, we develop a market growth model that is capable of analysing multiple market segments and innovations. Building on existing models of consumer choice and innovation diffusion, we develop a utility-based model that considers the effects of
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Tonin, Giulia <1990&gt. "Uber: Disruptive innovation and regulation challenges." Master's Degree Thesis, Università Ca' Foscari Venezia, 2015. http://hdl.handle.net/10579/7104.

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The first time I've heard about Uber I was in London, during my Internship. I had to reach a place in East London, but I was living in the opposite part of the city. At night time the tube is not working and by bus it would have taken me about 2 hours to reach my destination. So my colleague suggested me to use Uber, I was totally unaware about this app. I downloaded it on my smarthone, I gave my credit card details and in few minutes through the mobile GPS system, I was able to contact the closest available driver to pick me up from my place and to take me to East London, I reached my destina
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Lundell, Håkan. "Disruptive Innovation Som Nyckel Till Framtidens Lärande." Thesis, Mälardalens högskola, Akademin för innovation, design och teknik, 2012. http://urn.kb.se/resolve?urn=urn:nbn:se:mdh:diva-14350.

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Denna studie behandlar teorin om disruption samt hur högskolan kan med hjälp av denna teori skapa nya utbildningar som är mera meningsfulla för studenterna. Fokus ligger på hur världen runt omkring högskolan förändras vilket gör att högskolan behöver förändras för att kunna erbjuda utbildningar som är relevanta för studenter i framtiden. För att klara av detta behövs en ny affärsmodell utvecklas som kan skräddarsy utbildningar till studenter efter deras unika behov. Orsaken till varför inte den traditionella högskolan kan erbjuda skräddarsydda utbildningar är för att affärsmodellen är standard
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Reagan, James L. "Predicting disruptive innovation| Which factors determine success?" Thesis, Shenandoah University, 2015. http://pqdtopen.proquest.com/#viewpdf?dispub=3680894.

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<p> Disruptive Innovation theory explains how industry entrants can defeat established firms and quickly gain a significant share of their key markets, in spite of the fact that incumbents tend to be significantly more experienced and better resourced. The theory has been criticized for being underspecified: whilst the general mechanics of the phenomenon of disruptive innovation are clear, it has not been established which individual variables are essential to the process and which ones are merely ancillary. As a consequence, to date it has not been possible to build a predictive model on the
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Kameda, Mitsuhiro 1971. "Disruptive innovation : value change and complementary change." Thesis, Massachusetts Institute of Technology, 2004. http://hdl.handle.net/1721.1/17867.

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Thesis (S.M.M.O.T.)--Massachusetts Institute of Technology, Sloan School of Management, Management of Technology Program, 2004.<br>Includes bibliographical references (leaves 89-93).<br>I expand Christensen's concept and classify two disruptive technologies, company disruptive technology and product disruptive technology. The company disruptive technology is Christensen's definition itself. The product disruptive technology is the disruptive one outside his definition, for example the digital still camera (DSC). I will discuss about some cases, such as a case of high-end disruption, in this ex
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Dover, Oliver, and Erik Nord. "Market Susceptibility Toward Disruptive Business Model Innovation." Thesis, KTH, Industriell ekonomi och organisation (Inst.), 2015. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-159560.

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This paper discusses the conditional factors indicating market susceptibility toward disruptive innovation. There is a need to separate the different forms of disruptive innovation into segments targeting; technology, product or business model disruption. The concepts are fundamentally different and the literature to date is very one sided toward disruptive technology/product innovation. A shortage of studies on disruptive business model innovation has been discovered. This study therefore presents a framework for evaluating the market susceptibility toward disruptive business model innovation
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Billings, Dr Donald G. "Disruptive Innovation Within the Legal Services Ecosystem." ScholarWorks, 2019. https://scholarworks.waldenu.edu/dissertations/7119.

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Most law firms have done little to address the opportunities and threats related to potentially disruptive technology (DT), such as artificial intelligence (AI) and machine learning (ML). The purpose of this multiple case study was to explore strategies that law firm leaders in the United States used to address the potentially detrimental influences of DT, such as AI and ML, on their organizations. The systems approach to management was employed as the conceptual framework. Data were collected from 6 participants at 2 international law firms with offices in California using semistructured inte
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Eros, Emily J. (Emily Jean). "Transportation data as disruptive innovation in Mexico City." Thesis, Massachusetts Institute of Technology, 2014. http://hdl.handle.net/1721.1/90096.

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Thesis: M.C.P., Massachusetts Institute of Technology, Department of Urban Studies and Planning, 2014.<br>Cataloged from PDF version of thesis.<br>Includes bibliographical references (pages 76-84).<br>Despite the popularity of big data and smart city initiatives in rich countries, relatively few city governments in the Global South possess even basic information about public transportation routes and operations within their jurisdictions. The growing ubiquity of affordable mobile phones and internet-capable devices has enabled some developing cities to begin collecting and compiling these data
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Nel, Johannes Hendrik (Hendrikus). "Innovation resistance and its effect on adoption of a disruptive innovation." Diss., University of Pretoria, 2018. http://hdl.handle.net/2263/66231.

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The literature shows that resistance and adoption factors differ and by solely focussing on the one and ignoring the other, diffusion of an innovation will be limited. Resistance factors have largely been ignored while companies continue to focus on increasing innovation attributes which can be detrimental to the success of an innovation. The research sets out to explore and identify the factors that influence resistance towards a disruptive innovation and how these factors can be mitigated to increase adoption. A qualitative study in the form of in-depth interviews were conducted with 14 indi
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Books on the topic "Disruptive innovation and Disruptive HR"

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Hambrick, Marion, and Carolyn Davis. Disruptive Innovation. SAGE Publications, Inc., 2023. http://dx.doi.org/10.4135/9781071905135.

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Junker, Christian, Thomas Baaken, Frank Riemenschneider, Alexander Lennart Schmidt, and Neele Petzold, eds. Disruptive Innovation und Ambidextrie. Springer Fachmedien Wiesbaden, 2021. http://dx.doi.org/10.1007/978-3-658-34166-4.

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Strathmann, Timo. Elektromobilität als disruptive Innovation. Springer Fachmedien Wiesbaden, 2019. http://dx.doi.org/10.1007/978-3-658-25222-9.

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Derr, Tatjana, Stefan Georg, and Chris Heiler. Die disruptive Innovation durch Streamingdienste. Springer Fachmedien Wiesbaden, 2021. http://dx.doi.org/10.1007/978-3-658-34011-7.

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Han, Xue, Yuanyuan Wu, and Jie Zheng. Disruptive Innovation through Digital Transformation. Springer Singapore, 2020. http://dx.doi.org/10.1007/978-981-15-3944-2.

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Evans, Nicholas D. Business Innovation and Disruptive Technology. Pearson Education, 2007.

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Wördenweber, Burkard. Innovation cell: Agile teams to master disruptive innovation. Springer, 2005.

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Arthur, Peter, Kobena T. Hanson, and Korbla P. Puplampu, eds. Disruptive Technologies, Innovation and Development in Africa. Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-40647-9.

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Ekekwe, Ndubuisi. Disruptive technologies, innovation and global redesign: Emerging implications. Information Science Reference, 2012.

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van de Wetering, Rogier, Remko Helms, Ben Roelens, et al., eds. Disruptive Innovation in a Digitally Connected Healthy World. Springer Nature Switzerland, 2024. http://dx.doi.org/10.1007/978-3-031-72234-9.

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Book chapters on the topic "Disruptive innovation and Disruptive HR"

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Paetz, Paul. "Disruptive Innovation." In Disruption by Design. Apress, 2014. http://dx.doi.org/10.1007/978-1-4302-4633-6_1.

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Heinen, Andreas. "Disruptive Innovation." In Wer will das noch hören? Springer Fachmedien Wiesbaden, 2013. http://dx.doi.org/10.1007/978-3-658-00303-6_12.

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Eckert, Roland. "Disruptive Innovation." In Disruptive Business Imitation – Neun Beschleuniger zum kreativen Imitieren disruptiver Geschäftsmodelle. Springer Fachmedien Wiesbaden, 2018. http://dx.doi.org/10.1007/978-3-658-24702-7_3.

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Fuchs, Christoph, and Franziska J. Golenhofen. "Disruptive Innovation." In Management for Professionals. Springer International Publishing, 2018. http://dx.doi.org/10.1007/978-3-319-93512-6_2.

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Fuchs, Christoph, and Franziska J. Golenhofen. "Disruptive Innovation." In Disruption und Innovation im Produktmanagement. Springer International Publishing, 2024. http://dx.doi.org/10.1007/978-3-031-25918-0_2.

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Panagiotopoulos, Ioannis Φ. "Disruptive Innovation." In Encyclopedia of Sustainable Management. Springer International Publishing, 2023. http://dx.doi.org/10.1007/978-3-031-25984-5_1142.

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Panagiotopoulos, Ioannis Φ. "Disruptive Innovation." In Encyclopedia of Sustainable Management. Springer International Publishing, 2023. http://dx.doi.org/10.1007/978-3-030-02006-4_1142-1.

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Fasnacht, Daniel. "Disruptive Trends." In Open Innovation Ecosystems. Springer International Publishing, 2018. http://dx.doi.org/10.1007/978-3-319-76394-1_2.

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Beddeleem, Olivier. "Disruptive Litigation." In Mapping Legal Innovation. Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-47447-8_11.

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Cicchiello, Antonella Francesca, Matteo Cotugno, and Ferdinando Marrazza. "ESG disruptive innovation." In Innovation in Banking and Financial Intermediaries. Routledge, 2025. https://doi.org/10.4324/9781003539759-3.

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Conference papers on the topic "Disruptive innovation and Disruptive HR"

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A, Ammupriya, S. Vaishnavi, A. Ashwini, R. Kavitha, Prabakaran Paranthaman, and V. Saravanan. "Cloud-Based HR Platforms for Scalable Workforce Management in Multinational Organizations." In 2025 3rd International Conference on Disruptive Technologies (ICDT). IEEE, 2025. https://doi.org/10.1109/icdt63985.2025.10986560.

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Abuzaid, Ahmad Nasser. "AI and Business Innovation: Analyzing Disruptive Effects on Industry Dynamics and Competitive Strategies." In 2024 International Conference on Knowledge Engineering and Communication Systems (ICKECS). IEEE, 2024. http://dx.doi.org/10.1109/ickecs61492.2024.10617266.

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Araújo Bonifácio, Bruno, Pedro Lancellotta, Juliana Pedrozo de Araujo, et al. "DX ACADEMY: USING PROBLEM-BASED LEARNING METHODOLOGY TO DRIVE PROCESS AUTOMATION WITH DISRUPTIVE TECHNOLOGIES." In 17th annual International Conference of Education, Research and Innovation. IATED, 2024. https://doi.org/10.21125/iceri.2024.1856.

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Khan, Haroon. "Disruptive Innovation in People Development." In ADIPEC. SPE, 2022. http://dx.doi.org/10.2118/210933-ms.

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Abstract "People are our biggest assets" is a common statement by top leaders however in their entity balance sheet people are listed as expenses which can be reduced, replaced or even eliminated. In current processes, people could face disciplinary actions when their attendance shows they have less worked hours. The typical HR doesn't consider even if they work close to burnout daily. On the other hand low productive employee has no HR issues if they meet clock in and clock out requirements. Effective processes are not used to identify learning needs and provide just in time effective learnin
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Singh, Niharika, Pooja Singh, and Sudeshna Chakraborty. "Next Generation HR: Transforming Talent Management with AI and ML Innovations." In 2024 2nd International Conference on Disruptive Technologies (ICDT). IEEE, 2024. http://dx.doi.org/10.1109/icdt61202.2024.10489348.

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Sarichloo, Zohreh, Adrian Murphy, Joseph Butterfield, John Doran, Paddy Hannigan, and Cian Desmond. "Investigating the Impact of Disruptive Events on the Fabrication and Installation Processes for a Floating Offshore Wind Farm." In ASME 2022 41st International Conference on Ocean, Offshore and Arctic Engineering. American Society of Mechanical Engineers, 2022. http://dx.doi.org/10.1115/omae2022-79407.

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Abstract In this study, we investigate how the interruptions and non-deterministic operational behavior at the base port affect the installation time and resource utilization. Scenarios such as equipment breakdown are examples of interruption occurrences. The work provides a detailed study of realistic port tasks and scenarios. The operations at the base port and those between the port and the offshore site include fabrication, assembly, load-out, ballasting tasks of the floater, turbine assembly, integrated floater-turbine towing, and hook-up operations. The reference floating substructure, a
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Li, Kai. "Disruptive Research and Innovation." In 2016 IEEE International Parallel and Distributed Processing Symposium (IPDPS). IEEE, 2016. http://dx.doi.org/10.1109/ipdps.2016.126.

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Fransson, Göran. "Disruptive innovation in teacher education?" In 2021 AERA Annual Meeting. AERA, 2021. http://dx.doi.org/10.3102/1855663.

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Srikanth, N., C. C. Hang, and K. H. Chai. "Disruptive Process Innovation in Semiconductor Industry." In 2007 IEEE International Conference on Industrial Engineering and Engineering Management. IEEE, 2007. http://dx.doi.org/10.1109/ieem.2007.4419568.

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Hannabi, Abdoulelah N., and Yazeed A. Owaid. "Fostering Innovation Through Leveraging Disruptive Technologies." In ADIPEC. SPE, 2024. http://dx.doi.org/10.2118/222342-ms.

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Abstract Innovation and technology programs are among the top priority for the success of any industry around the globe. Combining these programs addresses the key gaps that are found on the current practices where a culture of innovation, eco-system and sustainability is captivated by leveraging disruptive technologies including but not limited to generative AI, digital twin, VR …. Etc. The imp act of utilizing a top to bottom approach in running a business has created a barrier in the workforce to adopt new technologies or brainstorm innovative ideas. Even with the engagement form management
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Reports on the topic "Disruptive innovation and Disruptive HR"

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Pedersen, Charlotte, Sharada Keats, and Catrin Kissick. Disruptive Technology Innovation for Nutrition. Global Alliance for Improved Nutrition (GAIN), 2019. http://dx.doi.org/10.36072/cp.5.

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Waltz, Jacob I. Disruptive Innovation in Numerical Hydrodynamics. Office of Scientific and Technical Information (OSTI), 2012. http://dx.doi.org/10.2172/1050502.

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Wagen, Carey M. Twenty-First Century Defense and Disruptive Innovation. Defense Technical Information Center, 2012. http://dx.doi.org/10.21236/ada563406.

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Sharma, Nomita, ed. Managing Innovation During the Pandemic. Asian Productivity Organization, 2022. http://dx.doi.org/10.61145/nhgr1856.

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While the pandemic provided opportunities for businesses to innovate, strategies for managing continuous innovation under prevailing environmental conditions are what set successful firms apart. In this P-Insights report, Dr. Nomita Sharma delves into the strategic management of innovation, presenting different models that focus on overcoming disruptive situations.
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Fisbhen, Marco, Victor Sahate, and Augusto Duarte. How Disruptive Innovators Prepare Today's Students to Be Tomorrow's Workforce?: Descomplica and Effective Remote Learning. Inter-American Development Bank, 2020. http://dx.doi.org/10.18235/0002962.

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In Brazil, income and race impact on standardized test grades. Standardized test grades are the sole criterion for access to most public universities, or the top higher education institutions. In response, the whole university preparation industry has emerged to cater to students from high-income families, rigging the selection process and perpetuating inequality. This paper aims to describe typical university admissions systems in Brazil to demonstrate how Descomplica is changing the odds of thousands of underprivileged students. With a clear picture of how this system caters to the more priv
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Gupta, Ravi, and Ignacio L. De León. The Impact of Digital Innovation and Blockchain on the Music Industry. Inter-American Development Bank, 2017. http://dx.doi.org/10.18235/0007978.

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Analogous to the emergence of the internet, the introduction of blockchain technology augurs disruptive change to the music industry. Though in its infancy, the technology presents interesting policy issues related to registering and monetizing intellectual property, policing piracy, and creating and executing more flexible contracts between and among members in the music supply chain, among others. This paper assesses the ability of the distributed ledger technology to steer the industry toward a distributed model and its potential to drastically alter the entire music supply chain. It initia
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O'Neil, Anne. The State of Systems Engineering Adoption in the Automotive Industry. SAE International, 2023. http://dx.doi.org/10.4271/epr2023030.

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&lt;div class="section abstract"&gt;&lt;div class="htmlview paragraph"&gt;Growing levels of complexity and integration coupled with the current period of automotive innovation are necessitating the adoption of Systems approaches and Systems Engineering (SE) practices. For the automotive industry to navigate this transformative period successfully, we need Systems approaches to bridge all elements of vehicle development and engage and align all parts of the business. Yet, the industry has lagged in comprehensive SE adoption, persistently retaining organizational silos and outdated paradigms for
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ICT in Education: Disruptive Innovation. Inter-American Development Bank, 2010. http://dx.doi.org/10.18235/0008051.

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There is a chance that by 2015, 30 million students in Latin America may have an electronic device for personal use devoted to aid in their learning. This represents an enormous educational challenge.
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Disruptive Innovation in the Financial Sector. Organisation for Economic Co-Operation and Development (OECD), 2015. http://dx.doi.org/10.1787/6f47282f-en.

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Disruptive Innovation and Competition Policy Enforcement. Organisation for Economic Co-Operation and Development (OECD), 2015. http://dx.doi.org/10.1787/fbcfed2c-en.

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