This article looks at the use cases, the benefits, the risks, and the long-term opportunities of doing that analysis well. Use cases that drive fintech competitive analysisFintech competitive analysis in America shows up in a handful of recurring situations. An incumbent bank uses it to decide whether to build, buy, or partner. The long-term opportunitiesOver the long run, the opportunity is to make competitive analysis a capability rather than a project. Fintech competitive analysis in America has become part of the basic discipline of building and running financial products.