“Telephone did not come into existence from the persistent improvement of the postcard.” This quote by Amit Kalantri perfectly sums up what disruptions in markets are about. "Delta 4 theory" It is coined by the esteemed founder of Cred and Free charge, Kunal Shah. And it can be used as a framework to evaluate new disruptions in the market. According to him, humans are always looking for more efficient ways to get things done. All inefficient processes are a thing of the past and all efficient things lie in the future. Markets get disrupted when businesses help humans become more efficient. Listen to this brand-new episode of Consulting Mix and follow for more !!  Credits : Anuj Pahuja & Shashwat Saini