ryannguyenx.com
Writing
My notes on things that interest me, including product design, system design, banking, engineering management, personal takes, AI, and more.
- Ownership - what it actually mean?
I used this word a lot, recently Thorsten Ball's tweet really hit me interm of my understand and it really connect with what i have in mind.
- PREP - Framework to structure your verbal response
Point, reason, example, point. A structure for answering hard questions
- How bank Payment Gateway work in Vietnam?
A payment gateway is a bank's front door for money movement. VietQR scan at a street payment, NAPAS 24/7 account transfer on a mobile app, MoMo e-wallet transfer, and Visa card payment arrives at this single payment gateway
- How a standard performance review process works
Performance review is always around goals, checkpoints, calibration, outcome. The calibration room is the part only the one who join know about its detail
- A compiler transpiles C to assembly. What does AI transpile?
Comparing a compiler's C-to-assembly translation with AI turning plain language into code, and where the analogy breaks.
- How I read the financial statements to make investment decision
A simple map of the 3 financial statements, basic valuation to help you make investment decision
- Building your Agentic AI system
Start with prompts, add retrieval for missing knowledge, and build agentic workflows only when a task truly needs tools and multiple steps.
- My personal AI SDLC
I use 2 connected loops to keep product direction with human-led while agents assist and then build approved work.
- Who regulates bank technology in Vietnam? A 2026 map
A practical map of the SBV units, banking rules, and engineering evidence that govern commercial bank technology in Vietnam.
- Customer data privacy in Vietnam digital banking context
Some insights of how privacy rules change data collection, cloud controls, cross-border transfers, and accountability if you build/own a digital banking layer
- Dev productivity is not just PR
Pull requests and delivery metrics are useful signals, but they need context from the people who understand the team's invisible work: product requirement, alignment, debating, design, debugging, etc
- A developer platform is a product not a set of tools
A great developer platform should hide infrastructure work behind useful self-service interfaces, templates, and safe delivery paths
- Pls remember this if you build a B2C saas
Why consumer software like SAAS runs and profits on ads
- Why are we so tired?
A personal map of what might make me tired and the small experiments I can use to notice what actually helps.
- Product ownership is a alway about feedback loop
A product owner/manager connects stakeholders/customers and developers while balancing value, quality, speed, and risk
- Corporate politics: managing up and spotting the manipulators
2 practical politics skills: make the honest game work with your manager, and raise your guard when transparency disappears
- How I handle stressful situations?
A few sentences I keep ready when a conversation gets stressful
- What happen when interest rates move, using FED as case study
A practical chain from Federal Reserve rate changes to borrowing, asset choices, exchange rates, and emerging-market capital flows.
- How does a central bank "print" money?
A simplified 6-step of how central banks create reserves, buy bonds, ease financial conditions, and later revert that support.
- Using COBIT framework to govern your bank technology team
COBIT helps a bank connect enterprise goals to technology decisions, management work, and evidence that governance is working.
- Banking Enterprise Architecture - TOGAF and BIAN solve different problems
In context of Banking Enterprise Architecture, TOGAF gives an architecture process and governance structure, while BIAN gives reusable banking capability and service-domain details
- DevOps, SRE, Platform Engineering
DevOps origin is a culture of understanding between dev and ops but later it keeps changing names because companies copy ol tools and team labels while avoiding the harder work of shortening feedback between developers and operations, and then SRE, Platform engineering the evolution of handle the gaps it does not have from the begining.
- How the money flow?
A practical map of how capital moves from long-term savers and depositors, through financial institutions and markets, to the businesses and governments that use it.
- Advice for junior engineer
I sort through advice I wrote down about ambition, relationships, judgement, courage, and finding the right environment.
- The new McKinsey is now build stuff with client not just end project with a deck
My perspective on how strategy consulting like McKinsey moved beyond recommendations into product requirements, architecture, build decisions, and production delivery with client
- Buy or Build a Loan Origination System (LOS)?
A practical checklist for deciding whether a bank should buy an off-the-shelf LOS or build one around its loan process
- Why too many people in some context can make a team slower
Adding people can increase coordination, reduce meaningful work, and hide the need to improve the system that why in some case it can make team slower
- 9 rules for system design
A practical checklist for making system design decisions around scale, storage, and failure.
- Master "leadership" with 4 skills
Critical thinking, problem solving, communication, relationships, and emotional intelligence are all you need to become a great leader
- Raw SQL vs. ORM: choose by workload
How to choose an ORM, raw SQL, or both based on the work your database needs to do.
- Do not start with Selenium. Start with risk and architecture.
How to choose the right test for each software risk before choosing Selenium or another tool.