Those forces are the fintech business drivers, the underlying demands and technologies that pull capital and talent into financial technology. They explain why the US fintech market is set to grow from about $66.82 billion in 2026 to $135.42 billion by 2031, a 15.18 percent compound annual growth rate, according to Mordor Intelligence. How these drivers gathered force in the USThe drivers behind US fintech did not all appear at once. What fintech business drivers actually areA business driver is any force that changes how much a market grows and where it grows. Consumers wanted instant payments, and real-time payment systems made them possible, so payments grew into the largest fintech category.