I believe Quicken is behind the recent resurgence of independent mortgage lenders, which was a market all but captured by traditional banks until recently.

Services like Rover seem to be displacing kennels for doggy daycare. They should consider micro-loans to their highest rated dog watchers for things like fences if they have not already.

the safe network is something that comes to mind. when / if its released the costs for setting up an online service will be peanuts compared to today. way cheaper storage, cheaper computing if your service needs it, and also less maintenance since you don't need to worry about securely storing data. it should all be handled by the network

https://safenetwork.tech

Trinet SOI, wageworks