Strategy in fintech is less a document than a maintenance schedule, the way an airline thinks about engines rather than mission statements. This guide walks through how fintech strategy fundamentals works as an operating routine in the US financial market: the scans, the scorecards, and the decisions that repeat every quarter. Mordor Intelligence sizes the US fintech market at $66.82 billion in 2026, with 15.18 percent annual growth projected through 2031. How fintech strategy fundamentals works in a live marketThe working version of strategy runs on a loop. Growth from $58.01 billion in 2025 to $66.82 billion in 2026, the jump TechBullion documented in its piece on US fintech growth, set the pace every operating plan now gets graded against.