Since 2011, Javelin has tracked consumers' perceptions of the "Gang of Five" – Apple, Google, Amazon, PayPal, and Facebook – and how these technology firms compare with banks in terms of trust, innovation, and partnership in the success of their customers. In 2018, this TIP comparison was expanded to encompass small-business perceptions of the "Gang of Seven,” including Intuit and Square. Unlike consumer market findings, small-business research and industry activity indicates that tech company disintermediation is not only a threat, it is already well underway. Our research also shows that as small businesses use Gang of Seven services, TIP ratings rise, and perception deficits vis-à-vis banks are closing at an alarming rate.