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