So let's say prudential decides they need to replicate Redfin.

They hire some developers, make a list of all the features that Redfin has, and probably finish it behind schedule and over budget.

By then, Redfin has released dozens of updates and new features, etc, etc, because they're technology focused company.

Now is it theoretically possible for prudential to keep up with them? Sure. But they'd have to transform themselves into a tech company to do it.