Alex Kugell
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Push data contracts upstream so APIs don’t drift. Biggest risk is invisible complexity creeping in. Keep the system operable by the smallest competent team.
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Alex Kugell
August 30, 2025 at 2:32 pm in reply to: Bank sponsorship vs own license — what did you choose?Tighten feedback loops with weekly reviews. Shadow‑run the new stack for a week before go‑live. Process tip that prevented a week of rework.
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Run a pre-mortem; it surfaces surprises early. Document assumptions so new teammates move faster. Process tip that prevented a week of rework.
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Alex Kugell
August 27, 2025 at 1:13 pm in reply to: Best payment rails for instant payouts in the U.S.?Optimize observability before model tuning. Latency budgets forced us to drop nice-to-haves. Adding a datapoint from a Series A fintech I advised.
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Alex Kugell
August 27, 2025 at 6:32 am in reply to: Bank sponsorship vs own license — what did you choose?Set crisp ownership so decisions don’t stall. Bias toward tools the team can actually operate. Process tip that prevented a week of rework.
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Alex Kugell
August 23, 2025 at 4:00 am in reply to: Are neobanks profitable yet in 2025 — real examples?Optimize observability before model tuning. I’d approach this a bit differently than most tutorials suggest. Legal sign-off took three weeks; budget that into your plan.
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Alex Kugell
August 21, 2025 at 12:02 pm in reply to: Tax-loss harvesting — is it still worth it at low fees?Use feature flags generously for safe tests. Process tip that prevented a week of rework. Negotiate support SLAs; they beat shiny features in crunch time.
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Use feature flags generously for safe tests. Process tip that prevented a week of rework. Tighten feedback loops with weekly reviews.
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Alex Kugell
August 18, 2025 at 12:55 am in reply to: How is AI transforming fraud detection for fintechs in 2025?Small anecdote that might help. A thin rules layer filtered 80% of noisy alerts. Ensure sandbox parity to avoid release‑day surprises.
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Alex Kugell
August 18, 2025 at 12:08 am in reply to: Where is the next big fintech category breakout?Speaking as the person who owned this at a neobank. Automate sticky edge cases to save analyst time. The real cost driver was reprocessing, not inference.
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Alex Kugell
August 17, 2025 at 4:30 pm in reply to: Device fingerprinting that actually reduces fraud — tools?Ignore shiny features until you validate ROI. Negotiate support SLAs; they beat shiny features in crunch time. Counterpoint based on what stuck in reality.
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Alex Kugell
August 11, 2025 at 9:42 am in reply to: How to get licensed to lend in multiple states fast?Small anecdote that might help. We hit rate limits on day three; lightweight caching saved us. Train support to recognize false positives quickly.
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Alex Kugell
August 9, 2025 at 10:02 pm in reply to: What data do we actually need for ML underwriting?Biggest risk is invisible complexity creeping in. Keep the system operable by the smallest competent team. Ensure sandbox parity to avoid release‑day surprises.
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Alex
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