I interview occasional fintech execs for my job (I'm a journalist). And they love the phrase 'disruptive innovation'. It can sometimes be used six times in 30 minutes.
Then last week I interviewed Jack Dorsey, cofounder of Square which has a $20bn valuation (and is also disrupting finance), as well as cofounder of Twitter.
He never used the phrase once. In fact, he employed none of the vocabulary I hear from many startups in the fintech space. He wasn't interested in platform strategies, disrupting value-chains, bashing banks etc
The only thing he was interested in is… the customer. Some lesson there?