The Internet has killed the basic economics of the media industry and healthcare and the financial services industry may be next. That’s the message from one of Gartner’s so-called “maverick” presentations where analysts go out on a limb. The argument goes like this: Consumers have their life online, are looking for integrated experiences and want to assemble digital teams in the clouds.

Sounds great but…it’s a bit of a stretch. Both financial services and healthcare are regulated and it’s not like some startup can just walk in and blow up business models. And then you toss in the fact that Gartner’s dynamic duo assumes that people will be comfortable putting their financial and health histories in the cloud and you can see where these prognostications are dicey. Stahlman and McGuire acknowledge the risks to their predictions–and security is a big one. But I don’t think they are completely wrong about financial services and healthcare. The big question is timing–it will take a long time to overcome hurdles. But let’s hope financial services and health care gets upended by the Net. Both could use a revolution. Read on