I agree. Very little in here specifically applies to fintech except the ledgering and rounding parts, which are pretty light.

I would prefer to read a defense of something more radical like "database per account." Something that has unique tradeoffs within fintech.

Also, the main advice I would give to fintech engineers/founders is to take risk and compliance seriously from day one.

Financial systems are based around trust. If you don't provably mitigate risks you will lose trust and, eventually, your entire business.

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