Products have become easy to replicate. However, what is much harder is to copy is the underlying service companies strive to provide and improve on every single day. https://www.mckinsey.com/business-functions/mckinsey-digital/our-insights/a-digital-business-builder-an-interview-with-the-ceo-of-allianz-direct?cid=other-eml-dre-mip-mck&hlkid=a774e1a8976d4a078406df70a8406fd5&hctky=3008748&hdpid=2b8cc054-6679-4e2f-b666-c3e5b13caaea
