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Disintermediation

New ‘net ideas: job auctions and a lift sharing service for parcels

While many are still waiting to see the depth of current, perhaps unprecedented, economic upheaval, it’ll been interesting to see how much impetus this newfound economic climate has on change to the traditional supply chain. The internet will ultimately connect everyone with everyone, and hence with traditional intermediaries (wholesalers and retailers) currently curtailing the value-added services they offer, the climate might well add massive impetus to change in the way we buy goods and services. Two UK-based web sites thriving in the current climate are eGenie and stuff2send - one connects customers directly to tradespeople, while the other does the same for courier services. Viewed from another angle, eGenie is a job auction website and stuff2send is a lift sharing service for parcels and packages and both will result in lower costs to the consumer.  Read More

Karl Lagerfeld first designer to make runway fashion show available for video podcasting

February 3, 2006 Now here’s something we think will really catch on. Fashion guru Karl Lagerfeld will close New York Fashion Week on Friday, February 1, with his F/W '06 show and a fashion first. The debut of the Lagerfeld Collection will be the first fashion show to be made available as a Podcast on the iTunes Music Store, just hours after the event. Why is it signiicant? Well it will complete the disintermediation process between the fashion show and the consumer. Only a decade or two ago this took months, then with Fashion TV it became much quicker and now with the presentation available for podcasting, tech savvy designers and fashionista around the globe will be able to have the event on their personal media player within hours. Though the printed fashion magazine is in no danger of ever becoming extinct, this disintermediation will significantly erode its influence as video is an infinitelt better medium for seeing what clothes look like.  Read More

P2P money - cheaper lending and borrowing without banks!

April 2, 2005 Disintermediation is a term you’ll no doubt have heard and will certainly be hearing a lot more in the future. It means “to remove the middle man”, and it’s something the internet is incredibly good at. With close to a billion people connecting to the internet in the last decade, and computer-mediated anything just a few minutes of Googling away, radical new ideas can promulgate very quickly. And here’s one you’re gonna love … think of it as P2P money. Zopa hooks up creditworthy people who want to borrow money with people who are happy to lend it to them. And because there's no middleman (e.g. bank), the borrower just pays a 1% exchange fee upfront. Without the greed and inefficiency of a financial institutuion, both borrower and lender get a better deal than they would otherwise.  Read More

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