This is not a popular opinion. But after 30 years of building technology companies, I’ve watched this mistake get made at every stage, in every market. A full-time CTO at the early stage is mostly a very expensive guess. The … Read More
Insights
“I’m Sorry, I Can’t Do That: AI Agents Are Already Acting Like HAL 9000”
AI Agents Are Here — And They’re Already Causing Chaos Most of us have interacted with AI through platforms like ChatGPT or Claude. You type something in, you get a response back, and that’s that. It feels like a very … Read More
Can AI Replace Your Engineering Team?
I want everyone to know that I am a strong believer in AI and its potential to exponentially boost our productivity. In many cases, it can reduce the time we spend on certain tasks from days or weeks to just … Read More
The $5M Mistake: Why Your Technology Stack Choice Matters More Than You Think
How a single technology decision cost one startup everything—and how you can avoid the same fate The Phone Call That Changed Everything Two years ago, Max, the CEO of a promising fintech startup, called me in a panic. “We just … Read More
The FTX Collapse: Key Lessons for Community Bank
The failure of FTX—once one of the world’s largest cryptocurrency exchanges—was not a technological failure but a breakdown of governance, controls, oversight, and risk management. For community bank regulators evaluating digital asset activity, the collapse provides a clear case study … Read More
The Story of FTX Collapse
How One of Crypto’s Brightest Stars Fell Apart In early 2022, FTX was widely considered one of the safest, most reputable crypto exchanges in the world. It had a Super Bowl ad, celebrity endorsements, top-tier investors, and a founder—Sam Bankman-Fried—who … Read More
Blockchain Is Quietly Becoming the Future of Cross-Border Payments for Community Banks
For many community and mid-size banks, cross-border payments have long been one of the most difficult services to modernize. High fees, slow settlement times, and complex correspondent banking relationships often make it hard to compete with larger institutions and fintech … Read More
Why Web3?
Web3 Technologies: Building the Decentralized Internet of Tomorrow Web3 represents a paradigm shift in how the internet operates, moving away from centralized control to a decentralized, user-driven model. This transformation is powered by a suite of innovative technologies that work … Read More