The most important product decision is what you don't build

Ask a team what they shipped this year and you’ll get a list. Ask what they killed and the room goes quiet.

There are two things I’ve tried to take a hard pass on when working on consumer-facing financial services apps.

You can picture both without any help from me. To my mind they’re both examples of letting the organisation off the hook at the expense of the user. Although it’s fair to say that plenty of users have now been trained to expect these things, and to know roughly how they work — even though they’re crap.