The prediction’s explicit time horizon is “over the next decade” from August 2021, i.e., roughly by 2031. As of today (November 29, 2025), we are only about four years into that ten‑year window.

While there is ongoing consolidation and integration in consumer financial services (e.g., large players bundling banking, lending, trading, and sometimes crypto/insurance offerings), the predictor’s claim is specifically about the end-state by around 2031—that there will be 3–5 dominant “superpowers” providing a fully consolidated stack across banking, lending, trading, crypto, and insurance.

Because the deadline has not yet arrived, we cannot definitively evaluate whether this end-state will be reached. Therefore, the correct status as of now is “inconclusive (too early)”, not “right” or “wrong.”