A potential problem associated with offering cross-industry products is that most people think the services they receive from an aggregator are top of the line. So perhaps there will still be room for niche players in the future. Hickman thinks each sector should first concentrate on their strengths before offering each other's products. As for selling auto insurance or becoming a bank, that's not in the cards for now. The only way to do this is to forge relationships with other financial services providers from different industry sectors.
Brokers are more aggressive.