&gt; Products that offer serious competition for incumbents in the financial sector to bid down the 7-10% of the economy taken by financial services.<p>The limiting factor here is the regulatory regime, which makes it all but impossible to move money around without using a bank as an intermediary.  That gives the banking cartel effective veto power on all new financial services.<p>The key reform here is to separate the movement of money from the provision of credit, and to have access to money transfer be classified as a basic human right along with food, water, and internet connectivity.<p>Good luck with that.<p>Otherwise it&#x27;s a terrific list!