3. The organization has significantly lowered the cost of service via technology and is able to pass this savings on to the consumer. This one is pretty common

3. The organization has significantly lowered the cost of service via technology and is able to pass this savings on to the consumer. This one is pretty common in "file cabinet" industries Garry Tan often references [0]. [0]: http://venturebeat.com/2016/10/24/initialized-capital-raises-115-million-for-its-third-fund/ http://venturebeat.com/2016/10/24/initialized-capital-raises...