We argue that the interplay between disorder and phase fluctuations can
explain many of the phenomena observed in disordered thin superconducting
films. Disorder and magnetic field give rise to the formation of
“superconducting islands”. The magnetic-field-tuned
superconductor-insulator-transition (SIT) is a percolation transition of
inter-island phase-coherence. The huge magneto-resistance peak is due to
the competition of transport through the SC islands and coulomb blockade.
The thickness-induced transition is due to scaling of the phase stiffness
with film thickness, and Tc enhancement in parallel fields is due to
surface-roughness-enhanced phase fluctuations.