The fintech landscape has become increasingly specialized, leaving innovators with limited opportunities. However, by zooming out and identifying unmet needs, entrepreneurs can create novel solutions that integrate multiple services. The Just Move In example demonstrates how a holistic approach can uncover overlooked areas. Collaboration and open-source initiatives can facilitate interoperability across specialized services. As the industry continues to fragment, it's essential for innovators to adapt and find ways to create value by connecting seemingly disparate pieces. By doing so, they can drive meaningful innovation and positively impact users. Unaddressed pain points may hold the key to breakthroughs.