In the age of the desktop computer the iPhone would have been a flop (especially in the US’s then-backwards wireless environment). It takes time for people to understand a new capability and for it to reach the point where it’s worth ditching current practice. My aging parents still like to have a meeting (with their lawyer for example) that could have been a phone call or even email; they still visit the bank in person etc. I can’t be bothered with any of that.
The call center makes a good example: I have seen a company that uses machine learning to make the outbound call: it can wait patiently on hold and even do some transactions with the human in the call center. Things like that don’t show up in the stats yet; the real change will be replacing most of the call center ppl with an API, and with the humans there to handle the really hard problems.