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Product essay warns fintech apps against building document hubs and notification centres

A product commentary argues that consumer financial apps repeatedly default to building generic 'document hub' and 'notifications centre' features to satisfy internal stakeholders and legacy compliance needs. The author says these features start simple but balloon into complex, Google Drive- or Gmail-like systems requiring ongoing maintenance and security work. The piece frames refusing to build such features as one of the most important product decisions a team can make.