"Disruptive innovation/technology" is, since a couple of years, the new darling of conference speakers and technology bloggers/journalists when referring to something someone is testing but not sure it will work or people really need.

They always use it when they want to put you in a position where you are ashamed to say or think "no thanks" because you are going to look like an old dinosaur.

It corresponds to the famous "awesome/awesomeness" marketers are still using when launching a new crap that you really don't need so that you feel uncomfortable refusing such wonder.

I always stop reading/listening when those stop words are encountered.