Channel conflict arises when digital self-service cannibalizes revenue/profit pools of brokers, bankers, advisors, or agents. Financial sector pattern:
Wealth: advisors defend fee models vs. robo + direct brokerage.
Insurance: broker commissions slow direct-digital adoption.
Banking: branch networks resist migration to digital credit. Mitigations:
- Segmented incentives
- Tiered compensation
- Hybrid fulfillment