What I learned
Before the business you want to build,
there is a structure you must respect.
A company does not run on one person's judgment.
Shareholders, the board, corporate bodies and stakeholders each hold their own authority, and the more important the decision, the more it requires a defined procedure.
A new service cannot launch just because the idea is good.
Application to banking and finance
When planning a new service, I will ask
"is it possible?" and "how do we make it possible?"
Banking and payment services handle customers' money and contracts, so a good idea alone is not enough.
When reviewing a new business or service, I will talk to relevant teams early, check the required procedures and regulations, and shape the idea into something that can actually be executed.
I want to treat regulation as a design condition from day one, not an obstacle at the last step.