>This is why disrupters are so successful - they can do something crazy and people will try it out and think - this is amazing. Because the mindset/psychology is that this is something new. But the market leader implements exactly the same thing and people won't give it a chance because it's a change and they can't handle change.

To play the devil's advocate, couldn't you argue that the reason the take-rate seems high is because only the people that want change are going to use the disrupter's thing, whereas those people represent a very small minority of people using the existing, uninnovative product?