While FinTech does face headwinds, it's not as bad as the author claims. Taking the points in turn: 1. "FinTech businesses don’t scale quickly." Online lendin

While FinTech does face headwinds, it's not as bad as the author claims. Taking the points in turn: 1. "FinTech businesses don’t scale quickly." Online lending platforms can actually scale rather quickly. According to SoFi's CEO, "In 2012, SoFi funded about $90 million of loans. These days, it originates more than $1 billion a month". [1] While that is indeed still small relative to size of the market, that's more of a reflection of how huge the market is. 2. "It’s really easy to get fooled by early adopters." True in any space. 3. "FinTech is not an acquisitive space." This is a good point. 4. "The sale cycles are really long." If you're selling into an enterprise, then sales cycles are always long. 5. "Customer acquisition is hard to hack." Compared to a social network, yes, but social networks are singularly conducive to viral growth. It is possible to achieve viral growth (e.g., PayPal). [1] http://www.sfgate.com/business/article/Online-lender-SoFi-starts-hedge-fund-to-invest-in-6885222.php http://www.sfgate.com/business/article/Online-lender-SoFi-st...