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The Disruptive Voice explores the theories of disruptive innovation across a broad set of industries and circumstances with academics, researchers, and practitioners who have been inspired and taught by Harvard Business School Professor Clayton M. Christensen, the Kim B. Clark Professor of Business Administration and one of the world’s top experts on growth and innovation. 


For more information, email fgi@hbs.edu or visit www.hbs.edu/forum-for-growth-and-innovation 


BSSE = Building and Sustaining a Successful Enterprise, Professor Clayton M. Christensen's signature course at the Harvard Business School and a breeding ground for many of the ideas shared in this podcast.

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  2. 10. American Express: Joe Costa (JD/MBA 2016) and Jeff Cui (JD/MBA 2017) — BSSE Research Paper

10. American Express: Joe Costa (JD/MBA 2016) and Jeff Cui (JD/MBA 2017) — BSSE Research Paper

Jun 25, 2016

“It’s a funny feeling to find yourself talking about JP Morgan and calling them 'low-end', but such is the nature of disruptive innovation: as a theory of competition, the labels it employs are relative, not absolute. In the credit card industry, American Express is the undisputed incumbent, leaving JP Morgan to be labeled as the low-end disruptor with their Chase Sapphire credit card, as noted by JD/MBA students Joe Costa (2016) and Jeff Cui (2017) in their final paper for BSSE, Clay Christensen’s course at the Harvard Business School.