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Most founders don’t have a product problem. They have a detection problem.

I’ve been thinking about why so many products fail even when they “work”.

They have features.
They solve a problem.
Sometimes they even get users.

But they still don’t stick.

What I keep seeing is this:

The real issue isn’t the product.

It’s the inability to detect when something is going wrong.

Not churn — that’s already too late.
Not revenue — also lagging.

But the early signals.

The small behavioral shifts that happen before anything breaks.

→ usage becomes less intentional
→ engagement becomes passive
→ the product becomes optional

And nobody notices until the user is already gone.


I started exploring this idea in a different context: personal finance.

Financial problems don’t start with a missed payment.

They start months earlier:

  • spending patterns shift
  • subscriptions accumulate
  • buffers shrink
  • behavior changes slowly

But most financial tools only show what already happened.

Transactions.
Balances.
History.


So I started working on something I’m calling:

Financial Observability

The idea is simple:

Can software detect financial problems before humans notice them?

Instead of dashboards, it focuses on:

  • behavioral signals
  • pattern detection
  • early awareness

I put together an early open repo exploring this:

https://github.com/TomasYBL/financial-observability

(It’s messy, but the core idea is there.)


Curious how others think about this:

Where do you see “early signals” in your product that dashboards completely miss?

on April 8, 2026