Students of Clay Christensen’s work are familiar with his insight that “disruptive innovation” usually has its genesis in spots where the “important” people aren’t looking, whether that’s down-market, offshore, in small or specialized segments, or wherever. The non-profit world is just such a place — it’s the land that business forgot. And within it people like Jacqueline Novogratz are borrowing from every toolkit available, and creating their own tools as well, to construct better solutions.