Folks, read and re-read this comment when you are firing up a shiny new web app. What problem are people waking up with who can't wait to give you their credit

Folks, read and re-read this comment when you are firing up a shiny new web app. What problem are people waking up with who can't wait to give you their credit card numbers for you to fix? If that isn't a problem you are solving, it may be a long slog uphill.