Every essay filed across the three desks, newest first.
India's payments rail is the most-cited case study in global fintech. Nearly everyone citing it is learning the wrong lesson — because the lesson isn't the rail, it's the preconditions.
Every failed AI rollout I've seen was a management failure wearing a model's clothes.
It had the best engagement numbers in the app. It was also quietly destroying retention.
Why the city that ships at planetary scale has no patience for the pitch-deck theatre the Valley runs on.
The skill isn't prompting. It's knowing exactly how much to believe the answer in front of you.
An app designed to make people use it less turned out to be the best retention lesson I've had.
The number everyone watches is users. The number that compounds is the sticker on the paan-shop counter.
What you can load into the model's working memory is now a staffing decision, not a technical one.
Most indie advice is fear management in disguise. Here's what building from curiosity changed.
A convenience-store checkout quietly became the most sophisticated tax interface in retail.
Stop hiring prompt engineers. Start training the judgment that decides what to do with the output.
The honest, unglamorous shape of a small product's first real revenue — and what it doesn't fix.
Korea's adoption paradox: enthusiastic on paper, quarantined in practice. What the basement rule reveals.
If the model does the junior work, where do your seniors come from in five years?
Why I deliberately refuse to learn a new framework for every app I ship.
Everyone is reading the retail pilot. The real document is the wholesale settlement layer underneath it.
How to write honestly about your team's AI mistakes without naming a single person.
A competitor shipped it, so I started building it. Then I asked why. A short note on not flinching.
When the assistant does the buying, the super-app stops being an app at all. SE Asia gets there first.
Nobody decided to kill it. It just stopped being where the information lived. A short field note.
The fintech echo isn't a coincidence — it's a sequence. And the sequence tells you what comes next.
One chart, five years of mini-program GMV, and the end of an argument the West is still having.
State-blessed and street-banned in the same week. A short note on living with the contradiction.