Software companies in finance get about a 2~5 year head start and then: https://techcrunch.com/2017/06/12/zelle-the-real-time-venmo-competitor-backed-by-over-30-u-s-banks-arrives-this-month/ …
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The dinosaurs have wallet- and mindshare-presence in the minds of hundreds of millions of Americans, capital, and ability to code NodeJS.
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Business plans which assume "Good thing the incumbents will never turn distribution, channel ownership, and bizdev facility on us" will fail
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Mammals won in the end, but the dinosaurs ate a lot of mammals before they were done.
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Your species may win but it’s not because a mouse beat a velociraptor in a field. You should find a place where velociraptors can’t go.
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