“The end may justify the means as long as there is something that justifies the end.”

Leon Trotsky, Their Morals and Ours

So you built a mobile app for international money transfer, got seed funding, engaged a few hundred early adopters, and are now ready to go after those outdated-bureaucratic-price-gouging incumbents. How hard could it be? But a year goes by and your cumulative revenue has barely scratched $100K. The dream of new office digs and sharing a success story with schoolmates is getting delayed while investors are starting to be more inquisitive about the timing of “hockey stick”… and it is all because those strange migrants keep clinging to their existing providers.

Well, don’t fret, we have gathered 5 “best practices” for nudging those close-minded consumers to embrace your service. Most of the cool FinTech kids are doing this and even some incumbents and banks sample them at times, so it must be perfectly legal and not too immoral… at any rate, it is for consumers’ own good, right?