What are the external factors that drive the kind of financial innovation demonstrated by Ant Financial?

$2.$ Applying the disruptive innovation principles of the HBR Paper "What is Disruptive Innovation," evaluate if Ant innovation is a disruptive innovation $-$ provide your rationale on why or why not?

$3.$ Will Ant Financial's innovation disrupt traditional financial services?

$4.$ How does Ant Financial's innovation process reflect the digital economy's development path?

$5.$ Where do you think Ant Financial's innovation boundary should be$?$