Silos are deeply rooted in human nature. We should stop complaining about them and instead ask: How can we harness the tribal behavior that generates silos to create value for customers? To learn more, I turned to Gillian Tett of the Financial Times. Her book, The Silo Effect: The Peril of Expertise and the Promise of Breaking Down Barriers, explores the role of silos in the financial crisis and in our everyday lives. “Silos exist for the very simple reason that we’re human,” she says.