The key to success is often access to the right thing at the right time. That might be salary, which is why tilr is so focused on getting paychecks into worker’s wallets as fast as possible. Or it might be credit — which Petal wants to free from the shackles of FICO. But the big takeaway from today’s data is this: If you build the access and the speed necessary to sustain it, people will come. They’ll even be willing to wait in line.