An old classic financial institution with multiple physical branches competes with the agile and low-cost mobile-only bank. Possible hundreds of years of tradition versus a few years or even a few months on the market. And yet, the mobile bank is on the rise, attracting users left and right; like a moth to a flame. They know their issues will be addressed quickly and every operation will take minutes, sometimes even seconds. If so, why many FinTech startups pivot early on and change the product? What common mistakes do they make?