The early majority and late majority each account for 34%, and the final 16% are laggards, according to the Diffusion of Innovations summary maintained by Newcastle University. When a payment method crosses from early adopters into the early majority, transaction volume does not rise in a straight line. The same pattern shows up in our coverage of how fintech adoption rates surpassed 64% globally. Strong growth rates like these usually signal that the early majority is still arriving rather than that the market is full. A company chasing the early majority needs distribution, trust signals, and integrations, because that group buys on social proof rather than novelty.