I personally think FinTech is the the best. The examples mentioned are focused on a specific sector of the market where there are players to compare against fo

I personally think FinTech is the the best. The examples mentioned are focused on a specific sector of the market where there are players to compare against for similar products or products that at the end of the day, do the same thing. A disruptive business has its own market that can't be compared against another before it such as Bloomberg. The examples offered are just variations of existing business models and are bad examples of the potential of FinTech businesses. Even with the businesses mentioned it ought to be mentioned about the ROI. The operating costs of Merrill can't even remotely be compared to the upstarts. There are a couple of really good examples such as TransferWise, CrowdCube, Bloomberg, Square, Stripe, Xero, MPESA and loads more that are at the top of their categories either immediately or in terms of growth. Fintech businesses do scale quickly, very quickly. Most of the examples I've given have done this already. MPESA transacts in multiples more than the entire banking system itself in Kenya.