That shift from novelty to habit is exactly what technology adoption curves describe, and in the US financial market the curve has rarely moved faster than it does now. How technology adoption curves work in the US financial marketEach stage has a personality. Geoffrey Moore called the space between early adopters and the early majority the chasm, because the two groups want opposite things. Reading the curve through real adoption dataAccount ownership offers the longest record of a financial adoption curve we have. Now they ship as default settings, which is the surest sign a feature has crossed into the early majority.