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The Idea Like a lot of people, I sometimes struggle with time. Not in an "I'm just bad at planning" way — more like my brain genuinely has a hard time feeling how long things take. Twenty minutes can feel like five. I'll think "I have time" right up until I definitely don't. So I built Ready. Ready is a PWA (a web app you can install on your phone like a native app) that counts down to your next event — but not just to the event itself. It counts down to when you need to leave, factoring in both how long it takes you to get ready and how long the journey takes. It sends you push notifications before it's time to move. So you don't accidentally forget about time, run out the door ..late again! The app was designed with time blindness in mind — a challenge many people experience. The tone is always encouraging, never stressful. No red warnings. No "you're late." Just a gentle nudge that has your back. It's also my portfolio project. I'm a junior developer learning in public, and this is me documenting the whole messy, rewarding process. (Which also happens to be great for recalling what you learned) The Stack — and Why I Chose It Before writing a single line of code, I had to decide what to build with. Here's what I landed on and why: Next.js — a framework built on top of React (a popular way to build web interfaces). I chose it because it handles both the frontend (what you see and click) and the backend (the logic running behind the scenes) in one project. Less setup, more building. Supabase — think of it as a database with superpowers. It handles storing your data and user authentication (logging in and out) out of the box. It has a generous free tier, which is great when you're learning. Tailwind CSS — instead of writing traditional CSS in separate files, Tailwind lets you style things directly in your code using short class names like rounded-full or text-teal-600 . Web Push API + Service Workers — A service worker is a small script that runs in the background of

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Payment data pipelines fail in ways that ruin a payments engineer’s week, and the failures rhyme. The dashboards froze. Fraud scores arrived after the transaction had already cleared. Settlement reports came in stale. Nobody slept. The frustrating part is that the same data architecture had run fine for years. So, what changed? The honest answer is that batch thinking does not survive contact with real-time payments. A lot of banks built their data foundations in an era when nightly jobs were good enough. Load the warehouse overnight, run the reports in the morning, move on. That rhythm worked when money moved slowly. It does not work when a customer expects an instant confirmation and a fraud engine has milliseconds to make a call. Here is where things crack. Real-time payment rails push a constant stream of events instead of a tidy nightly dump. Your pipeline now has to ingest, transform, and serve data while transactions are still happening. Add ISO 20022 into the mix and the pressure climbs. ISO 20022 messages are rich. They carry far more structured detail than the old formats, which is wonderful for analytics and miserable for a pipeline that was never designed to parse that much context at speed. This is not a fringe concern either. Swift reported that by the time its MT/ISO 20022 coexistence period closed in November 2025, around 80% of daily traffic was already running on the ISO 20022 format, with more than 3.1 million of these messages exchanged every day. The rich-data era is the default now, not the roadmap. Then there is the fraud-scoring window. Fraud models need fresh features. Account behaviour over the last few minutes, velocity checks, device signals. If your pipeline takes thirty seconds to surface that data, the fraud decision is already too late. You are essentially detecting fraud after the loss. That gap between when data is created and when it becomes usable is the silent killer in most payment systems. And the cost of getting it wrong runs