@Otuk i guess what i am trying to flag is that you could have a business that has no technology at all. and it will do things that are debt that has to be paid back, such a weak process, lack of employee onboarding etc.

business people often dont get 'technical debt'and i think its because its sounds like its a special thing - when infact its thr same as any decision where you choose speed to market (appropriate) over the 'correct' approach.

@neekz0r yes i agree, but there is a lot of debt in any business that is not in the technology space - there is nothing special about technical debt vs 'any other' debt

@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

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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.

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