4 Top Disruptive Innovations That Will Change How Businesses Work

On one hand, disruptive technologies like AI, blockchain and the platform-based business models are creating a rapid pace of change, uncertainty for businesses, new regulations and a far more competitive market.

On the other, these technologies are driving some of the biggest disruptive innovations that have the potential to change the way businesses function.

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4 Top Disruptive Innovations That Will Redefine Work

Virtual worlds, delivery drones, long read DNA sequencing, electric vehicles — these are just a few of the disruptive innovations that came about because of disruptive technologies like AI.

But there are some disruptive innovations that are so profound that they have the potential to impact every business.

Deep Learning

Deep learning attempts to think like humans, with the added power to analyse and cluster data that allows it to make predictions with incredible accuracy.

One of the boldest predictions about deep learning is that it could create more economic value than the internet did, adding as much as $30 trillion to equity market capitalisations during the next 15-20 years.

It’s arguably the most important breakthrough that has already led to conversational computing powered by AI, self-driving cars and even consumer apps like TikTok (that has outgrown Snapchat and Pinterest combined).

Digital Wallets

Digital wallets are apps that safely store user payment and other related information for various payment methods and websites, which enables users to complete transactions easily.

Fintechs like Venmo and CashApp have already upended traditional banking, and their popularity is ever-growing. Today, digital wallets are valued between $250 and $1,900 per user but are projected to scale to $20,000 per user by 2025. Traditional banks spend $1000 approximately to acquire new customers, whereas digital banks spend $20.

Also, both Square's Cash App and PayPal's Venmo amassed 60 million active users organically in the last decade, a feat that took J.P. Morgan three.


Robotic process automation lets robots learn, mimic and execute rules-based business processes. Ideally suited to tedious, manual and repetitive tasks, robots can operate around the clock, much faster and more reliably.

Automation is estimated to add 5% or $1.2 trillion to the U.S. GDP over the next five years, and it can lead to higher productivity and margins for businesses, wages for employees who shift to more strategic roles, lower prices for consumers and higher investments leading to virtuous cycles.

Black Box Problem

Distributed Ledger Technology, or the mechanism behind blockchain, is a decentralised database that is managed by multiple participants.

In the ledger, data cannot be changed without the consensus of every participant, information can only be added and only participants with proper authorisation can join the network — making DLT reliable, transparent and trustworthy.

The global DLT market is growing at a CAGR of 62% and is expected to reach $137.29 billion by 2027.

Blockchain has found widespread use in finance, from trade financing to international payments. But now, the applications of DLT are spreading to other industries like real estate, insurance, healthcare, supply chain, art and media and more.

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