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Products, markets and operating change — in writing and audio

Articles, audio notes and field observations on enterprise AI, product leadership, banking, fintech and the systems around them.

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Who absorbs the shock? Marketplace systemic-risk diagram

The Real Risk Around Wildberries Is Not Bankruptcy

Why the more important question is not whether the platform survives, but how a logistics shock travels through sellers, lenders, major retailers and Ozon.

MarketplacesRetailFintechRisk
Who owns the car purchase? From financing to orchestration

Banks want to own the car-buying journey

Why bank-linked services are moving beyond credit and into vehicle selection, payment, insurance, trade-in and servicing.

BankingAutomotivePlatformsDigital commerce

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Articles distinguish public facts, personal experience, generalized patterns and developing hypotheses. Confidential employer material and invented benchmarks are out of scope.