Frank Orozco

For most people, money is still harder than it should be. If AI is going to matter in finance, it has to make financial products genuinely more helpful, secure, and responsive to real life. I’ve spent the last decade building large-scale data networks, and I’m convinced the next chapter of financial services won’t just be about access to data, it will be about understanding it. Open finance unlocked secure, permissioned connectivity. That foundation enabled a generation of innovation. Now AI is ushering in the next wave of innovation. Intelligent finance means systems that understand context, adapt in real time, and continuously improve. It means stopping fraud without adding unnecessary friction. It means making better decisions across payments, credit, and identity, with the accuracy and trust this industry demands. It also requires infrastructure that is purpose-built and understands how money moves. At Plaid, we’re building intelligence models that learn from patterns across our network and compounds with scale. As part of that work, we’ve developed our first transaction foundation model for finance to deepen how financial activity is understood across products. I believe this shift from open finance to intelligent finance will define the next decade. I wrote more about how we’re approaching it here: https://lnkd.in/gV35NPby 

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Hot take: microservices aren’t always the answer for your platform. Here’s when monoliths actually win 👆 #Microservices #Monolith #SoftwareArchitecture #StartupTech #PlatformStrategy

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Validating Risk Scores at the Source Our HCC-In-FHIR package keeps getting more robust every day. Though I'll admit - the name's a bit misleading now since we've expanded beyond just FHIR (see the figure below). The package now handles three primary formats: X12 837, FHIR, and custom formats. But here's the key: it calculates CMS HCC risk scores directly from your source data. Why does this matter? Every data transformation step between your source data and final risk scores creates two problems: - Delays in getting actionable insights - Information loss along the way Anyone who's tracked a single claim from practice to CMS encounter data knows exactly what I'm talking about. The amount of data that gets lost from source to destination is staggering. By calculating risk scores directly from the data you receive from clearinghouses and submit to CMS, you get true visibility into what's actually happening - and what the real delta is. The package remains open source (https://lnkd.in/ebEjSqAc), but if you need help implementing it, we're here. At falcon health, we're already helping many MAPDs gain full visibility into their claim journey and HCC performance (feat. Prince Baawuah, DrPH, MPH, CSM®) Interested in learning more? Let's connect!

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💡 The Builder's Renaissance: How Agentic Development is Reshaping the Open Source Equation The pendulum is swinging again from buyer to builder, and agentic software development is the catalyst. For years, open source has offered compelling advantages: zero licensing costs, customization freedom, and robust foundations. The tradeoff? Organizations often faced feature gaps and the daunting prospect of months-long development cycles to bridge them. 🚀 That calculus just changed. Agentic software development is transforming open source from a "close enough" solution into a powerful framework for rapid customization. Organizations can now take vetted open source projects that align 70-80% with their needs and use them as intelligent templates—complete with agentic steering patterns that guide AI-assisted feature development at unprecedented speeds. I've witnessed this firsthand with the Visual Asset Management System (VAMS) for Physical AI and Spatial Computing. On the AWS PACE prototyping teams, we've compressed what used to take months into days using agentic development patterns. More importantly, we're teaching customers these same capabilities—democratizing the development velocity that was once exclusive to large engineering teams. The upcoming VAMS v2.5.0 release exemplifies this shift, featuring new documentation, architectural overhauls, 3D web viewers for formats like USD, and agentic steering files designed specifically to accelerate customization. It's not just about providing software anymore; it's about providing a launchpad. 🚦 The question for organizations is no longer "Does this open source solution have everything I need?" 💡 It's "How quickly can I make this solution exactly what I need?" With agentic development, the answer is: far faster and more cost-effectively than you think. Check out VAMS and explore how open source + agentic development can become your competitive advantage: https://lnkd.in/eDgrpHGX #OpenSource #AgenticAI #SoftwareDevelopment #PhysicalAI #SpatialComputing #AWS #Innovation #PACE

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ChatGPT just launched Skills for Business/Enterprise users (gotta keep up with Claude!) https://lnkd.in/g9HgzjQg Speaking of Claude - they launched the 1M token context windows today for Opus 4.6 and Sonnet 4.6 (it looks like it's just in Claude Code and the API at the moment) - with no additional surcharges for long context. https://lnkd.in/g69ZTNTu And their long context retrieval is insanely good.

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