That gap is the subject of this guide to how economic impact of fintech works: the specific mechanisms that turn software into measurable gains for households and firms. Mordor Intelligence puts the US fintech market at $66.82 billion in 2026, growing 15.18% a year toward a projected $135.42 billion by 2031. How economic impact of fintech works through cost removalThe first mechanism is subtraction. The credit channel: data replacing paperworkThe second mechanism reroutes information. Fintech market share in most US categories remains a minority, but pricing is set at the margin, and the marginal competitor is now a software company.