With consumers demanding more choices, experts say that the unbundling of media – such as music, newspapers and television programming – is the future. At the same time, services like Zelle use a consumer’s mobile phone number to route funds, and platforms like Ingo Money allow companies to send funds to consumer accounts in real time. And, in retail, J.Crew‘s smaller sister brand, Madewell, is growing because of its ability to think small to generate very large effects.