Thank you very much for this great article, you have explained many points in great detail that almost no one had explained, by the way, this is my humble comment, if someone needs a true fintech software developer like I did at the time, this team here
https://evnedev.com/industry/fintech/fintech-software-development-company/
it has, in my opinion, the best developers on the market, I am sure that someone who is reading this article will find this recommendation that I am giving useful