I think Clayton Christensen covers this well when he discusses empowering, sustaining and efficiency innovation. The following for a brief introduction http://

I think Clayton Christensen covers this well when he discusses empowering, sustaining and efficiency innovation. The following for a brief introduction http://www.deseretnews.com/article/765617333/The-new-church-of-finance.html?pg=all http://www.deseretnews.com/article/765617333/The-new-church-...