For each point there is a counter-point about why it's a good place to invest: FinTech businesses don’t scale quickly. => it takes a long time to build a busin

For each point there is a counter-point about why it's a good place to invest: FinTech businesses don’t scale quickly. => it takes a long time to build a business, but once you're there it's harder to get usurped by new upstarts. It’s really easy to get fooled by early adopters => this can be said about any market, not just fintech. FinTech is not an acquisitive space. => yeah, you build long-term equity value in the companies you think are going to be successful and big wins. The sale cycles are really long. => this is endemic to the entire finance & banking space itself; not just fintech. That also means once you're in, you're in for a while. Customer acquisition is hard to hack. => moat, and this can be said about any space.