There are indeed monopoly in this world, Buffett said that a moat is the competitiveness of a business economy. Most companies have many competitors because a profitable industry attracts competitors to join in for a piece of the pie.
Amazon’s dominance by its economic scale, impact share price of PayPal, Affirm, Fair Isaac, Visa, and Mastercard
One of the most important listed companies in the US consumer finance industry, Fair Isaac
Three major consumer credit rating companies Equifax, Experian, and TransUnion, 3 major credit rating companies in corp and consumer sectors