I’ve worked in Brazilian banking stacks that were literally FTP + spreadsheets for years. So yes, the ecosystem is often messy and protocols can be flaky.
That’s exactly why I argue for stronger internal modeling: when the boundary is dirty, explicit state machines/ADTs + exhaustiveness + idempotency/reconciliation help ensure bad feeds don’t silently create invalid internal states.
I totally agree as a fellow fintech engineer. It was a battle getting approval for all that from Product for us. While we were battling for it, we rushed multiple projects without literally any of it. And then spent a year+ each time cleaning up the mess.
That’s exactly why I argue for stronger internal modeling: when the boundary is dirty, explicit state machines/ADTs + exhaustiveness + idempotency/reconciliation help ensure bad feeds don’t silently create invalid internal states.