But if the firm enjoyed a monopoly, it would have the incentive to undertake innovations that improved its profitability (so called “process” innovations), because it would be able to capture the resulting profits, rather than see them be competed away. A “boring” bank, shielded from competition and knowing that it “owns” its customers, would want to go the extra mile to help them, because it would get its pound of flesh from their future business.
但如果企业能够获得垄断地位，它就有激励进行能够改善盈利能力的创新（所谓的“过程”创新），因为它可以获得由此产生的利润，而不会眼睁睁看着利润被别人攫走。了解其“自身”客户的免于竞争的“无聊”银行将愿意多迈一步帮助其客户，因为这样做能够从客户身上榨取更多的油水。而即使面临垄断，客户也会很愉快，尽管如果知道自己花了多少钱才享受到上等服务，他们也免不了有所抱怨。