people talk about 'technical debt', but i think the word technical is a misnomer. 'innovation debt' or 'speed to market debt' make more sense. lots of this debt is created by business decisions that are not technical at all. this concept of debt caused by optimising for delivery is good, but its not constrained to just technology. #technicaldebt
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@fitz a good example is fraud prevention, a very simple set of checks catch 80%, but the last % require increasing levels of effort, often complete process redesigns are required. when launching you choose to allow that 20% as you dont yet have enough lost value to justify the effort - but the debt is there
