Product Economics for FinTech
Financial services carry the highest regulatory debt burden in any industry. When compliance consumes 40% of engineering capacity, every remaining sprint must generate maximum economic value.
Regulatory Debt
SOX, PCI-DSS, GDPR, and state regulations create compliance-driven technical debt that compounds faster than any other industry.
Security Overhead
Financial data requires encryption, access controls, and audit trails that add 30-50% to every feature cost. This must be factored into unit economics.
AI Governance Gap
AI in lending, fraud detection, and insurance creates regulatory liability. Models must be explainable, auditable, and bias-tested — or face enforcement action.
Legacy Systems
Core banking systems built on COBOL, mainframes, and monoliths create the highest technical debt loads in any industry. Migration risk is existential.
How I Help FinTech Companies
- → Quantify regulatory debt in dollar terms (not just compliance checkboxes)
- → Calculate Technical Insolvency Date factoring compliance overhead
- → Audit AI model governance for regulatory defensibility
- → Evaluate build-vs-buy for core banking modernization