Agreed.

The trick I've always used in these circumstances is the cynical approach. That is assume nothing changes. If it does change, adopt late, rather than burn all your time, money and energy on churn and experimentation.

In the last 35 years of doing this, I've seen perhaps 10% of technology actually stick around for more than a few years. I'll adopt at maturity and discard when it's thoroughly obsolete.

Being fintech, no technology so far has fundamentally changed what business we do or even how it's done for a long time even if we pretend it does. A lot of the changes have just been a cost naively written off through arbitrary justification or keeping up with trends. 99% of what we do is CRUD, shit reports and batch processing, just like it was when it was S/390.

Even fewer things have had an ROI or a real customer benefit. Then again we have actual customers not investors.