Angelina YangFounder and Host, TwoSetAI · AI builder for visibility and discoverability

Why This Fintech CTO REFUSES to Build a Chat Interface

5 Aug 2026 · 1 min

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In this monologue, the speaker—presumably a fintech CTO—shares a personal anecdote about experimenting with new libraries and attempting to write code from scratch. He describes a brief period where his ability to start coding from a blank page faltered, a skill that had been second‑nature years earlier. The experience led him to realize that over‑reliance on external tools can cause a temporary but noticeable deterioration of core programming abilities. He cautions early‑career developers not to outsource all of their thinking to libraries, warning that once those mental pathways are lost, they are hard to regain. The overarching message is a call to preserve hands‑on coding practice to maintain deep technical competence.

Chapters

The one I will caution people is the other day, actually, I was playing around with some new libraries. In those situations, I actually decided I'm going to go write the code myself. And it was surprising how quickly the skills deteriorated. And I had to like— I mean, it came back, but there was a minute where I was just staring at a blank page being like, okay, where do I start? Whereas like, if this was a few years ago, I would have just started. I would have known exactly what to do. And so the one thing I do caution is, especially earlier on in your career, you don't want to just outsource all of your thinking because you will never be able to get it back.