volume 4 | issue 2 | spring 2009

A quarterly journal published by MIT Press

TECHNOLOGY | GOVERNANCE | GLOBALIZATION

innovations in a Turbulent World

Resilience

Lead Essays

Peter Blom The Upside of the Downturn Reginald Van Lee et al. Megacommunities
Cases Authored by Innovators

Amazon Conservation Team: Changing the Landscape of Power Mark J. Plotkin commentary by Norka Ruiz Bravo

Kiva at Four Matt Flannery commentary by Sam Daley-Harris Analytic and Policy Articles Ignacio Mas The Economics of Branchless Banking Ignacio Mas and Olga Morawczynski Designing Mobile Transfer Services Steven Horwitz Best Responders Peter Dombrowski and Eugene Gholz Identifying Disruptive Innovation Dane Stangler Creative Discovery Erwann O. Michel-Kerjan and Debra K. Decker Insure to Assure
ENTREPRENEURIAL SOLUTIONS TO GLOBAL CHALLENGES

TECHNOLOGY | GOVERNANCE | GLOBALIZATION
Lead Essays 3 The Upside of the Downturn: How Sustainable Banking Can Deliver a Better Future Peter Blom Collective Leadership and Overlapping Vital Interests: The Unrealized Power of Megacommunities Reginald Van Lee, Mark J. Gerencser, Chris Kelly, and Robin Portman

innovations
7 13 27 31 51 Changing the Landscape of Power Mark J. Plotkin Case discussion: Amazon Conservation Team Norka Ruiz Bravo Kiva at Four Matt Flannery Case discussion: Kiva Sam Daley-Harris

Cases Authored by Innovators

Analysis 57 77 93 The Economics of Branchless Banking Ignacio Mas Designing Mobile Money Services: Lessons from M-PESA Ignacio Mas and Olga Morawczynski Best Responders: Post-Katrina Innovation and Improvisation by Wal-Mart and the U.S. Coast Guard Steven Horwitz Identifying Disruptive Innovation: Innovation Theory and the Defense Industry Peter Dombrowski and Eugene Gholz

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volume 4 | issue 2 | spring 2009

Perspectives on Policy 119 Creative Discovery: Reconsidering the Relationship Between Entrepreneurship and Innovation Dane Stangler Insure to Assure: A New Paradigm for