T1
Interactive diagnostic / no email wall
Fintech Engineering Scale Scorecard
A directional readiness check across eight dimensions that become consequential as fintech and payments companies scale. Score the system you operate today—not the process you intend to have.
1 = ad hoc or person-dependent
3 = defined but inconsistently operating
5 = operating with current evidence
01 / Architecture & reliability
Critical services have explicit owners, service expectations, and tested failure paths.
02 / Payments & ledger controls
Money movement, reconciliation, idempotency, and ledger invariants are documented and monitored.
03 / Delivery system
The team can explain lead time, deployment frequency, change failure, and its current constraint.
04 / Incident management
Incidents have clear severity, response, communication, review, and follow-through practices.
05 / Security & SOC 2 readiness
Access, change management, evidence, vendors, and security ownership are operating—not aspirational.
06 / Hiring & team structure
Roles, decision rights, management capacity, hiring bar, and onboarding match the next stage.
07 / AI development practices
Agent permissions, review gates, data boundaries, and outcome measures are explicit.
08 / Technical diligence
Architecture, roadmap, risks, security posture, and engineering metrics can survive investor scrutiny.
Need external evidence?