The stages every financial tool moves throughDiffusion runs in order. Then comes the hard part: the early majority, a large, cautious group that adopts only after seeing clear proof. How innovation diffusion in finance crosses the chasmThe gap between early adopters and the early majority is where most financial products fail. A product still among innovators is a bet; one entering the early majority is a near-certainty that will reshape customer expectations. The US financial tools that will define the next decade are mostly visible today, sitting in the early-adopter phase, waiting to cross.