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Par Luca BRUNI – Initio S.A. - Interview with Tobias BAUMGARTNER*, Nectar Financial AG
And suddenly the digital broke into our lives. We all remember Napster disrupting the music industry in the late nineties and the subsequent rise of iTunes. All of a sudden, the music distribution went digital and the high-street music stores slowly disappeared. Since then many digital distribution channels and marketplaces such as Uber, Airbnb, Netflix, Amazon or Ebay, only to mention the most famous ones, have emerged. It seems as if long periods of little or no change are followed by periods of sudden, significant change. And the added value provided by the offering does not even have to be mind-blowing to be successful. The ease of use, efficiency and nowadays expected...
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