Banks are full of great lessons in system design that extend past the realm of purely technical solutions. They regularly make cost vs. risk trade-offs that ma

Banks are full of great lessons in system design that extend past the realm of purely technical solutions. They regularly make cost vs. risk trade-offs that make technical people nervous, for example, straight-through processing of low value payments with the expectation that material fraud can be detected through regular analysis/reconciliation/auditing and dealt with out of band.