Field notes

Blog & insights.

Writing from our founder, Anselm Fowel — on fintech, engineering leadership, product craft, and building at scale. Articles live on anselmfowel.com and stream in here as they are published.

Setting Team Norms That Actually Hold
Oct 6, 2026

Setting Team Norms That Actually Hold

A few years ago I inherited a team with a wiki page titled "Engineering Norms." It had eleven bullet points, a nice header image, and not a single line anyone...

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Building a Rate-Limited Public API
Oct 5, 2026

Building a Rate-Limited Public API

The first version of our public API had no rate limiting at all. It survived for about four months, right up until a customer's integration developer wrote a...

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Why Most Reorgs Fail
Oct 4, 2026

Why Most Reorgs Fail

I have lived through six reorgs as either the person drawing the boxes or the person being drawn into one. Exactly one of them worked. The other five were...

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When a Monolith Is the Right Call
Oct 3, 2026

When a Monolith Is the Right Call

A few years ago I sat in a planning meeting where a senior engineer proposed splitting our payments platform into fourteen services. We had eleven engineers. I...

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The Quiet-Quitting Conversation
Oct 2, 2026

The Quiet-Quitting Conversation

Marta had been one of my best backend engineers for three years. Then, over about four months, she stopped volunteering for anything. She still shipped. Her...

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The Cost of Premature Microservices
Oct 1, 2026

The Cost of Premature Microservices

Three years ago I inherited a payments platform that had been split into 47 microservices by a team of nine engineers. Nine people, 47 services. A single card...

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Giving a Promotion That Actually Sticks
Sep 30, 2026

Giving a Promotion That Actually Sticks

The worst promotion I ever handed out looked perfect on paper. Strong engineer, three years of shipping, well-liked, ready for the title. I gave him the Senior...

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Handling Personal Data the Right Way in .NET
Sep 29, 2026

Handling Personal Data the Right Way in .NET

A few years ago I inherited a payments service that stored full customer date-of-birth, national ID, and unmasked PAN fragments in the same table it used for...

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Running a Hiring Loop That Respects Everyone's Time
Sep 28, 2026

Running a Hiring Loop That Respects Everyone's Time

The worst hiring loop I ever sat in ran seven rounds over five weeks and ended with a candidate we all liked telling us, politely, that she'd taken another...

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