That quiet, collective switch is what innovation diffusion in finance in America looks like once it finishes. Use cases where innovation diffusion in finance is visibleThe clearest cases are the ones that already crossed into the mainstream. Neobanks moved from skeptical curiosity to a category growing at a projected 21.05% rate, per Mordor Intelligence. The benefits of getting the timing rightThe benefit of early adoption is captured value; the cost of late adoption is paying more for longer. Long-term opportunities for the US marketThe durable opportunities sit in tools still early on their curves.