Disruptive innovation doesn't come from technology but from design.
"What is the nature of design innovation that has the power to disrupt industries? As said earlier, design innovation utilizes design thinking. Design thinking is not focused on making things look attractive or trendy. Rather, it is focused on gaining an understanding of an area of human experience and then developing a product, service, or process that improves that area of experience for many people, often empowering people in new ways. Visual appearance is only the most superficial layer of that experience. New technologies can expand the universe of possible design solutions, but it is empathy with people in their actual daily lives that is essential to great design and disruptive innovation."
Even if this thesis is not applicable to every case of disruptive innovation (in my opinion), it opens for sure a new interesting point of view. You can read the whole article here.