It is commonly believed that traditional companies and services get disrupted because they are inefficient and costly.

NEWYORKER: Get Rich U.

It is commonly believed that the big SMS network effect kicked in when about 20% of mobile phone users began texting each other in certain European countries in mid-Nineties.

FORBES: The Apple-WhatsApp Messaging Juggernaut

It turns out that things are changing less than is commonly believed.

FORBES: Magazine Article