It is responding to the same forces that built the largest fintech companies in the country. Those forces are the fintech business drivers, and in America they have moved from the edge of finance to its center. How the drivers got this powerful in AmericaThe drivers behind US fintech built up over roughly fifteen years. That dynamic is part of why North America held 32.30 percent of the global fintech market in 2025, according to Fortune Business Insights. The firms best placed to capture these openings build on structural drivers and supply the infrastructure other fintech products depend on.