Netflix consistently delivers fresh, compelling, value-creating content to its users with support from its investments in technology and human capital.
This is a great example of what happens when traditional product offerings are unbundled. When you look at CommondBond and their competitors, robo-advisers (e.g., Betterment), Ally Bank (just savings, checking, CDs), RobinHood (zero fee brokerage), Stripe (payment processing), they’re exposing large banks as poorly cobbled together financial services. Using any one of these services from a conventional bank tends to be paperwork-intensive with poor customer service. Each of the new unbundled offerings is able to focus on making one product amazing to use, whereas each product at a large bank has to fit into the context of a larger business and operating model and therefore is much more likely to be misaligned.