Disruption these days is mostly about playing by a set of rules you invent for yourself to get an edge on the competition and calling it innovation. It's rare that real innovation is used to disrupt.

Imagine disrupting any industry where some form of accreditation is required by making an app which allows any person to perform those services. Anyone could be a doctor, lawyer, notary, etc. with no license needed. That's not disruption, that's breaking the law until the company is big enough to bribe (lobby) to change the law to allow that. That's literally Über-style "disruption".