No, there simply utilizing it, adoption, as is all there competitors, so it's not any business innovation except the ai creators, it's industry adoption to a evolved S.O.P.. 

You can also look at Airbnb using "the enemy method" to see what competitors are doing nearby that was coined by the brilliant Avery Carl.

Again, I'm realistic and while I love our platform and our competitors, nobody comes close to the level of simplicity that Zelle or Venmo has. 

If they aren’t dominating the search results with the real estate website and blogs, there are even more competitors per page of search results.

I have done that before on foreclosures where I bought them and my competitors were what they heck are you doing..

I see your direct competitor would be landlords nearby and indirect competitors would be landlords further away via ridesharing companies and online colleges for example. 

Quote from @Chris Seveney: @Jay HinrichsI 100% agree - but I would bet you a nickel that what many sponsors are doing right now has 0 benefit to the funds that are in trouble or right the ship - they are just trying to stay afloat and raise money so they can live their “lifestyle” for the next few years.To the contrary I think many know it’s a lost cause but do not want to admit it / make it public as it will crush their money raising efforts on their new funds.Maybe I am wrong but my gut tells me differently Chris,  as one who lived and just about got completely wiped out in the 08 to 2011 meltdown I had a front row seat to many of my peers and competitors and your exactly right.

Do you have a survey of number of competitors and pricing within 5 miles ?  

They may be able to just swipe the card there or you could do a convenience check to start the process.

A numbers game implies you will eventually get success guaranteed.The fact of the matter is unless you target every single person in the USA, AND there is a guarantee that at least one person is motivated, AND there is a guarantee they get no other mailers, or temptation from competitors and they pick you...