A seed depends on a whole host of factors to grow — from the fertility of the soil to the right mix of rain and sun to not being eaten by a passing bird. The same goes for an idea. For an idea to really take hold, other factors come into play from timing to the emerging technology that makes it possible. In fintech, it is the perfect storm of a loss of trust in the banks, the rise of mobile and the experience of better in other sectors that means that consumers are willing and ready to embrace non-bank alternatives.
Your problem is that you make shit. A lot of shit. Cheap shit. And no one cares about you or your cheap shit. And an increasingly aware, connected, and mutable audience is onto your cheap shit. They don’t want your cheap shit. They want the good shit. And they will go to find it somewhere. Hell, they’ll even pay for it.