As a startup, you need to focus on your core competency. And that core competency is to provide a service, to deploy on app and gain users to become a standard, before anybody else copies your idea.
So, instead of reinventing the wheel, make maximum use of tools and services available outside the organization. Do not go and negotiate with banks and credit card companies: use a payment provider that has already does this for you through APIs. Do not redevelop a texting interface: user the services of a developer-friendly company that let you build this capability inside your app. Do not build reporting tools, embed existing reporting and analytics components. The examples are numerous.
In addition, these services and the APIs you use to leverage them, will already be field-tested, scalable for thousands or millions of concurrent users, and will continuously evolve to support the latest standards and regulations.
At the end of the day, here is what the day of a startup software architect should look like: 0 percent coding, 100 percent integrating.
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