Hey everyone! I'm a newbie looking for some advice as we build a startup that offers lending as a service. This decision is super crucial for us, and I'd love to hear your thoughts on which programming language would be best for our needs. We have a few important factors to consider:
1. **Security**: We'll be handling significant amounts of money, so keeping everything secure is a top priority.
2. **Scalability**: Our product is expected to grow rapidly, so we need a tech stack that can handle such expansion.
3. **Performance**: We need to calculate around 70 risk indicators per transaction, and with about 2,000 transactions per minute, performance is a big concern.
4. **AI Compatibility**: We want our non-technical team to be able to create MVPs using AI tools like Replit, so this is essential.
5. **Hiring Ease**: If we succeed, we'll need to hire developers quickly.
Right now, we are considering two main languages:
1. **React + Node + Typescript**: This is what the MVP of Replit used, and we're debating whether to stick with it or switch.
2. **Rails**: I have years of experience with Rails, which makes it appealing, but I worry about points 4 and 5 being more challenging with this one.
2 Answers
Man, if you're serious about creating a banking app, don’t forget that proper development expertise is non-negotiable. Leaning on devs who excel in security and scalability is vital! Sure, React + Node + TypeScript might get you a cool MVP, but Rails could provide a stronger foundation in the long run.
Honestly, you should prioritize hiring experienced developers. Security and reliability are critical for any financial application, and even with a great tech stack, you'll need seasoned professionals to get it right. Don't skimp on this part—it can make or break your app.

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