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Twenty years after the introduction of the theory, we revisit what it does—and doesn’t—explain. by Clayton M. Christensen, Michael E. Raynor and Rory McDonald Please enjoy this HBR Classic. Clayton M.

Tony Armstrong leads the banking team at NerdWallet. He has covered personal finance for over a decade. Tony began his NerdWallet career as a writer and worked his way up to editor and then to head of ...