I write to think, mostly about products and money.

Anyone can ship the app. The license, the audits, and the trust are what competitors will not copy. In fintech, the boring parts are the moat.

A leader's output is not their own throughput. It is what the organization produces without them in the loop. That changes what you spend your week building.

Most coaching fails before it starts, because the fix was prescribed before the problem was named. Three kinds of stuck, and three different jobs for the manager.

Most loyalty programs are a discount line. The good ones are a business. Here is the difference, and why it changes what you build.