Many are amazed by the speed with which Latin Americans have adopted disruptive new business models in the consumer services economy. Yet, Latin America’s service sectors are ripe for disruption. A lack of competition in some segments (media, airport taxis) leads to high prices and poor service, inviting new arrivals like Netflix and Uber. A lack of options (brick & mortar retailers in 2nd and 3rd tier cities) invites demand for e-commerce platforms like Mercadolibre who deliver everywhere. Failure to adapt to modern needs (education) drives customers to new online options such as Coursera. Safety concerns and heavy traffic incent consumers to utilize home delivery models like Rappi.