> Products that offer serious competition for incumbents in the financial sector to bid down the 7-10% of the economy taken by financial services.

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.

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.

Good luck with that.

Otherwise it's a terrific list!