Audience first
Every bank is its own implementation environment.
A product idea does not enter a market. It enters a regulated operating system.
FFIEC lens: assets + processes + third-party service providers
Idea
becomes
bank work
Bank stack
core, OLB, files, roles
Contracts
vendors, scope, windows
Controls
risk, audit, approvals
Launch path
owners, testing, release
The service design unit is the bank implementation.