Netflix, the fastest-growing entertainment company in America, owns no movies. Uber, the world's largest taxi company, owns no cars. Airbnb, the world's largest accommodations provider, owns no homes or hotels.
But each is the most innovative and disruptive company in its industry because they own their marketplaces, they own the interfaces, and they've made payment seamless. It's time for similar innovation in the employee benefits industry.
The state of play today
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