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yoo this is the real fintech play nobody's talking about. Breaking monopolies opens market friction but also creates winners. Whoever builds the cleanest UX on EPI wins distribution. The infrastructure layer always beats the incumbent layer eventually
Even if boats get moving. Just think, we're one tiny little piece of UX in the Strait of Hormuz from oil prices going into the stratosphere. One mine connecting with an oil tanker, and you won't see single motherfucker touch that shit.
Fidelity is solid but its UX is garbage.
In principle, they could. If they spend the necessary billions on developing the products, marketing them, and selling them to big corporate customers who they can then lock in and milk. But in practice, Google would rather tie stuff back to their core ad/data business, and anthropic would rather focus on developing AI. Now, is it possible that a vibe coder or a small startup create the next Duolingo or Adobe? I think the chances are very slim. Creating some MVP with 5% of the content/features is not a problem. Scaling it globally, convincing millions of people and businesses to use it, ensuring service, paying for marketing & sales, data protection & compliance, and so on and so forth? That's not something you can vibe code. Now, I wouldn't invest in e.g. Adobe (because I personally hate their products and I think competitors like Canva can provide a better service for cheaper for many use cases). But let's take Duolingo as an example. They already have millions of paying customers. They are a strong brand, practically synonymous with language learning. They have hundreds of software engineers, UI/UX designers, and product experts in-house. And they make millions upon millions. If AI tools can provide the same value as a language learning app, who has a better chance at capturing that value -- a random vibe coder, or a top business, with all the tools and talent already at hand? I don't think it's impossible to compete with these companies. But thinking that AI will solely act to undermine them is missing the point that any benefit of AI can also be used by these enterprises to make them even stronger.
The Future is AI... waaaaayyyyyy more AI than the financial analysts think we'll need. on the 90s, we have to build software thinking about how much memory it would use. Nowadays developers don't even know how much RAM their applications uses. Today AI Tokens are expensive, on the near future all applications will use AI at their Core, for integration, for UX, for Processes... all. NVDA, AMD, MSFT, CRWV etc... all cheap compared to what the world will need from them
Yeah. Marathons UX needs work. Holy headache. They ain’t fixing any of that by launch. 💀 Like the art direction though. Reminds me of mirrors edge a little.
Honestly I wouldnt invest in Adobe because of how bad their products area. Literally any professional will tell you how frustrating it is to work with their products despite how good they are. The only reason Adobe still exists is because of their predatory pricing model and enterprise dominance. But all it takes is one competent company with a good UX and technical team and they will be able to topple Adobe.
They really aren't though - servicenow is basically three tables, some APIs, and a terrible UX. Basic ITSM functions could easily be created by AI. All you need is sys_user, task extended to incident, and maybe cmn_location and the group tables - viola you have incident management.
I'll be honest, Sonnet and Claude Code have changed how I work. I'm a tech PM. I can now, with some basic learning, develop working prototype desktop apps to explain the vision for a product/feature. In the same amount of time it takes me to define the tech requirements, hold a UI/UX meeting, and draft the documentation to create the project request, I can build the actual thing running locally. Then we can talk to the POC and then build the documentation.
Can't wait. I literally don't know how you can have your head in the sand so much to believe this. But it's likely just run of the mill American naivety. So if I'm understanding you. By extension you think the internet boom from 95 to 20 had too high of expectations. Yet here you are, trading stocks for free and instantaneously, shopping, chatting on a website, on a phone, wirelessly, quickly, paying your bills and internet banking without anyone involved and so forth. Everyone back then saw the opportunity. Amazon, MSFT, and Cisco sure did. Are you not seeing the massive changes ushered in with the internet? They happened slowly then. But not now. More on this in a second. Continuing on. Now you honestly believe all these companies are lighting $1t on fire when you yourself said past investments were good in the long term? They yielded world changing results. Why can't they do it again? Why are they so dumb now? WHAT MAKES YOU THE EXPERT? Now, one could argue their expectations were too early back then (You didnt say this but i helped you). But not this time. Ai is moving at such an incredible pace. It's nearly immediate in its positive impacts in marketing, outbound sales, writing, website UX, real time website UX for specific potential customers, voiceovers, animation, development, financial audits, due diligence. On and on. It's easily already billions in efficiency and productivity monthly. [https://www.mckinsey.com/capabilities/tech-and-ai/our-insights/the-economic-potential-of-generative-ai-the-next-productivity-frontier](https://www.mckinsey.com/capabilities/tech-and-ai/our-insights/the-economic-potential-of-generative-ai-the-next-productivity-frontier) I don't fault you, you likely just don't know or use it. It literally recursively is problem solving now. May the economy have mercy on you.
I dunno about the stock, but my company used Shift4 as its payment gateway for years & they absolutely sucked. The software had huge glitches that were never addressed, even after several big “overhauls” (which just placed a shiny UX over the same buggy code). Their customer service was ok, in that you could get a real human eventually, but problems were rarely solved long term. They did give us $26k worth of Ingenico Lane 7000 card readers, that was their saving grace. It was a full time job keeping those devices connected to their gateway, just as it was the Verifone MX915 devices before them. Isaacman hasn’t given a shit about his own product in over a decade, all he’s ever cared about once he became rich was going to space. If Shift4 crashes and gets sold off; good.
Where there are regulatory burdens and legal requirements for a while perhaps. However an agent performing CUA is going to get really good information on the UX / UI of these tools - their deep down pathways etc. it seems likely this will be used to build better tools or cheaper copies by some companies.
When I saw user friendly, in my mid I read the words customer friendly. And that is where the difference from the likes of new age platforms is. Otherwise, I do not know why would a firm with access to even 2010 level UX tech would build such interface. IMHO, this lousy interface and other Fidelity products make it very suitable for OP’s needs.
It's like they're trying to fuck up the UX.
Tech lead here. First off, the AI advancements today are comparable to the PC Revolution in the 80s and 90s. It isn’t going to replace entire industries but will make them more efficient to stay alive. It is not the dotcom bubble and there isn’t going to be day of reckoning when we realize the whole thing was a house of cards. Just want to get Palantir out of the way first. I’ve known a few devs who worked there and the consensus is that their tech kind of a joke. They simply were data mining. But they had access to a ton of data that nobody else could access so they were able to identify more than anyone else. It isn’t AI so much as what they can access. To sum it up though, I would say there are use cases and there appears to be solutions for them. This isn’t like VR and AR which are solutions looking for use cases. But there will be a ton of smaller companies providing solutions to each industry as opposed to one big “AI company with the best tech who runs everything”. The UI/UX side needs to be made for all these solutions though it’s never easy to get companies off legacy applications. SaaS will be fine, but the winners may be smaller startups or smaller companies that can pivot faster. Advances in the sciences will be immediate. Cybersecurity won’t benefit as much from AI as people think. The worst cyber attacks were due to social engineering and idiots clicking on suspicious links in emails. AI can’t stop humans from being idiots. As for replacing devs, the problem was never the code or the architecture. The problem was the users who use software. I would guess that maybe 10% of bugs were due to a typo or something actually code or system related. The vast majority were edge cases that weren’t predicted by the product side. Users do crazy things out of order and don’t always follow the happy flow. They might log out or click something twice or type something unexpected. Unpredictable human behavior and users not knowing what they really want or what their own pain points are the biggest issues in software. And AI cannot predict what people will do. Devs have already been using AI for safer tasks like unit testing and even Claude can’t match the style and little nuances yet to make code maintenance reliable. It’s getting there though and I am happy I am not a junior dev looking for a job right now.
I always say that workday is a great example of UI that spites UX. It looks pretty at a glance but its usability and discoverability is so bad. Maybe the only enterprise software I’ve used that’s worse is Verint.
For sure there are some efficiencies to be gained. However those who defer too many decisions to these tools will end up with crippling tech debt. It's a huge improvement over intellisense, it has essentially replaced stackoverflow, but it's oversold beyond belief. The core issue of this generation of models is that they are incapable of creativity. A good developer will beat these tools seven ways to Sunday simply because they have the ability to deeply understand how to marry a physical and digital workflow. Some of the younger developers are going to be displaced...anybody with the titles like "UX Developer" or "Front End Engineer" are going to have to broaden their skill set. One thing that is being under appreciated is that these tools trained on open data up until now...what happens moving forward if other companies are doing what we're doing which is to put our knowledge behind a paywall. We used to contribute a lot to open source...and we will continue to contribute to the projects we rely on but we no longer offer any of our libraries or components as open source.
they’re currently ahead with their models as well as UX. other tools sure can catch up. the race changes every few months
> If you’ve been in DFIR for 10 years you should know that incidents rarely happen because a detection engine missed something. This is definitely not true, and I can tell you are not familiar with the field if you think that "incidents" are a blanket term for whenever something bad happens (i.e. malware running on a host). That doesn't work at a large tech company scale. Malware running on endpoints really isn't an "incident" unless there's decisive negative action that comes after (exfil, cred theft + use, etc). It's quite common, especially in a Windows environment. > They tend to start with a human. a clicked link If a human clicks a link that downloads malware and the malware executes, then the EDR missed something. Again - more prevalent in windows-based environments, but Linux is not immune (and the endpoint EDR solutions are quite a bit worse), and Mac is still vulnerable with things like TCL. > They tend to start with a human. If humans are allowed to make a mistake that compromises security without bypassing security controls, then it's a security engineering issue, not a human issue. Orgs that have effective security programs build security control with that in mind. As an example: > a fatigued "approve" on a MFA notification App-based MFA does not meet that bar. As you said - a human can click "approve". You need physical tokens (ex/ Yubikey) with live challenge-response to avoid replay attacks. The fact that a human is "allowed" to compromise security by mindlessly clicking a button means that you have inadequate security controls. Not that "humans are humans and will be dumb stuff". FAANG and top tech companies build their security controls with this in mind. Another example: > or a simple misconfiguration Security Invariants are a thing. As are infra manifests. If something as simple as a "misconfiguration" is allowed, then you don't have adequate security controls. Which is why AI coming in to build these controls in the first place (while also taking into account UX so it doesn't completely fuck productivity) will help accelerate defenders more than help attackers in the long run. And - This is what I'm talking about when I say the rest of the industry will be left behind. They don't even have the correct architectural perspective, which further snowballs because they're operating on an outdated model that doesn't hold up. Assumed breach has been a thing for a decade, yet the industry still isn't caught up. > As long as you have a human in the chain in the mix, defenders will have plenty of work. The tech evolves, but people will stay the same. This thinking is outdated by 10+ years at top tech companies. Humans will always be the weak point in defense, yes. So you need to build controls and guardrails in place that don't allow them to make a single mistake that leads to compromise. Anything less is failure of security engineering. Which is why AI commoditizing software is so important, because you can create controls very easily to align with this vision. And I haven't even touched on any of the actual DFIR work here, lmao.
I think they’re just a couple steps away from capturing that audience you speak of. It’s almost as simple as tweaking the UI/UX. Well it’s a part of it, but they need to just take small steps to integrating with the current market. The foundation is there and it’s much easier to go from that to relevancy than the opposite
my brother figma is the literal king of UI/UX design. large companies dont use it ? 95% of fortune 500 companies use their platform
Figma is the industry standard for UX/UI design. Used primarily by software designers. Figma's AI product, Figma Make, allows anyone who can write to create fully-functioning, high-fidelity prototypes. You know, the thing software designers are ultimately paid to do, but orders of magnitude faster, and also just better. I think certain SaaS companies should just do the thing everyone's so afraid they'll do. If you make environmental compliance software - make an AI that fully replaces env compliance managers. Do it before and/or better than a startup would.
Man the ai component completely changed the game. I didn’t use it before AI, but I can literally tell it to make any changes I want, wait a minute and it’s completely redone the code. It’s pretty impressive. I also used to think ai would completely derail the need for figma until I started using it, and it’s sped up so much of the UI/UX work I do with my users. Now I’m somewhat of a fan and bought a bunch of shares when it hit the low 20s😅 this was after I shorted it after the ipo
> Their entire market relies on designers drawing up specs to hand to developers to implement. Which is necessary when working a on large product, or suite of products. Ideally, designers use [design tokens](https://atlassian.design/foundations/tokens/design-tokens), which developers can reference to layout and style parts of the UI. You don't have to use Figma for this, but many people do. > we've already started shifting our workflow to having clickable prototypes vibe coded by product managers. This isn't a bad idea for generating ideas. But, handing off all the UI/UX work to product managers sounds insane. Then again, companies usually don't value these things until they're forced to. > Designers are only responsible for styling up components. Which is effectively what they were doing in Figma all along. Unless you're suggesting they're now writing the CSS. In that case, God help your dev's (and possibly your designer's) sanity. > in the old workflow, the whole operation depended on Figma while the new one doesn't Which reads like: in the old workflow designers designed things, but now the product managers do.
Palantir just offer the UX layer not the LLM
My company switched our licenses over from Adobe and Miro to standardize on Figma across the enterprise late last quarter. We've been using them for UX design for years and they are amazing. FIG calls.
How are clicks up? I'd really like to know explanation behid this claim. Given that you can test UX by yourself and see that once you're in Gemini mode you're not going further most of the time.
There’s def a market for UI/UX work that figma offers even with AI Sure as hell not a 11B product tho
All this can be true at the same time. Software development has suddenly become 10x less expensive (I’m a SWE with 20+ years of experience and today, with Claude/Gemini, I’m doing the work of a team just by myself i.e. multiple stacks, languages, architecture, testing, even UX design). My jaw drops every time I challenge the AI to do increasingly more sophisticated things for me and it just does it. Sometimes I think that my old ways are the bottleneck, not the tech. I’m confident to say that humanity can rewrite all of the software we have today in just a couple of years. But… it’s not clear to me if the companies providing these AI model services will see the ROI themselves necessary to fulfill the expectations set by the market. Maybe after we have all become dependent on AI, they will increase prices dramatically so what’s a hundred bucks today will be thousands in the future. A third aspect here is that Saas companies charge by the license. And if these tools become 10x more powerful then companies will need fewer employees and also fewer licenses, that’s probably contributing to the price drop. Pure AI startups are going to die. The winners will be the startups that can build great next generation software services fast and with only a handful of people.
Their UX is incredible. Disney's is shitty.
You can say what you want about the platform from a UX side but that doesn't change the fact that they are the runaway leader in the space with absolutely no sign of losing subs, so not sure where you are pulling that from.
Chatgpt went giga-viral in 2022 everyone and their grandma knows about it Awareness is there It’s just fundamentally not a UX people prefer over search Remember that people’s attention spans are jack shit and getting worse every day w TikTok. Typing one word into search (spelled wrong) and getting instant answer in a split second is clearly the way ppl are gonna want to do things 99% of the time As opposed to having a conversation and reading some overly verbose slop answer (Remember that search is not actually 10 blue links and hasn’t been for a decade. 2/3 of searches were ZERO CLICK in **2020** due to features like “people also ask” which highlight the answer in the results page so you don’t click in. Ironically was the first LLM BERT)
Thought I’d share this on a day like today and I hope it helps some fellow regards that come across it. # This casino is kind of rigged and not just in the sense that they can turn off the buy button (usually), but it is stacked against us because the system is betting on our lack of impulse control to get us to trade more frequently. # If you are trading on a zero-commission app like Robinhood or Webull, you need to understand: # 1. Your broker doesn’t make money on your profit, they make money on your activity. They are paid by wholesalers (Market Makers like Citadel) for every order they route. This means their entire UI/UX is designed to make you trade as frequently as possible, which is statistically proven to destroy returns. # 2. Wholesalers pay top dollar for retail order flow because retail orders are "uninformed" (turns out we don't know something the market doesn't!). They can safely take the other side of our trades, pocket the spread, and barely risk the market moving against them. So when we’re wrong they get PAID TWICE. # This is the game we’re playing and the only way to beat a game that monetizes your trading activity is to refuse to play it their way. You just need to do the one thing their algorithms and revenue models can’t handle: **Wait**.
I’m in the same position as you. Bought a big position in WMT several years ago. Up a bit more than 2x. The only difference is I never wasted a second considering selling. The market will do what it does: this is an excellent investment and will continue to be so for the foreseeable future. I guess if you want to get something higher beta, then sell some of the position and reallocate? But for me, that’s money I’m confident will continue to appreciate with a decent dividend, and I have plenty of money in high beta stuff, so I’m content just holding it. Additionally, WMT has a lot of juice left in the tank. What they’re doing with POS, financing, and the AI driven ecom UX will all drive net new revenue. They’re very well managed, and well positioned for continued growth.
> SaaS stocks that have gotten pummeled for no direct reason If you're trading at a high valuation because SaaS has always been viewed as such a tremendous business model for all these years and suddenly the future is called into question, the re-rating lower is going to be considerable. "Software companies, the darlings of the last decade, are being forced to answer a question they’ve never had to answer before: what happens to your 30x revenue multiple when new technology poses a potentially existential threat? See, for many of these companies, valuations were so high and such sustained growth was priced in that agentic AI didn’t even need to actually impact the business. The threat of a threat was enough to reprice them. Into this software selloff, anything that wasn’t nailed down was thrown overboard. Vertical SaaS, digital advertising platforms, portions of fintech, all suddenly trading at discounts to their historical ranges as the market begins to assign what I’d call an “AI Disruption Discount”. Does your high switching cost or sticky UX matter in the AI era? Don’t know? Okay - trade lower until you do. Will agentic commerce threaten your marketplace? Maybe? Okay, well, you’re worth 30% less. The logic is ruthless and correct: none of us really know what AI will look like in a few years, and the technology is advancing at a rate that has us asking if the singularity actually just got penciled in for next Thursday. Agentic AI was a talking point for investors, but once Anthropic et al. shoved it in their face they had to reconcile with some hard potential realities that didn’t align with their portfolio." (https://www.citriniresearch.com/p/atoms-vs-bits)
"If they can take market share from Canva then are very much undervalued. If they can't and all they can do is doing price hikes on UX designers, then are overvalued. As you see, there is a lot of execution risks with figma. I don't know which scenario is gonna play out." Lol, tell this concept to fucking $KO. They've basically only been able to increase their revenue by price hikes. Yeah they have some more healthy drinks or whatever, but we all know their revenue increases have come from increasing soda prices. And $KO has been just fine. $FIG probably will be too.
You’re ignoring the fact that Adobe lost a huge chunk of market share when Figma started to dominate the UI/UX field. Their entry to vector-based graphics editing is also starting to eat into their market share with regard to Illustrator. The failed Figma acquisition had a huge impact on Adobe’s stock.
That's the worst UI/UX or the best UIn't/UXn't screenshot I have ever seen
It’s not about the UX and the interface. It’s about infrastructure. Wero is just an interface running on infrastructure. In the end, they still need the rails Visa and Mastercard provides as soon as money needs to go outside their network. Also. Why should danish mobile pay, or Swedish swish use Weros own infrastructure when they already have their own. There are hundreds of small bubbles of networks all across the EU. Someone still needs to connect those bubbles to each other. Everybody wants to be that connection and nobody accepts anyone else to do it. Hence why Visa and Mastercard is so cemented in the world.
The UX has become a total disaster. I have a small community, about 1,200 members and instead of giving me actual utility to make my life easier, they just keep adding useless fluff like decorations and nitro ads. It feels like the platform is actively making it harder to take care of a server just so they can push more microtransactions. It’s enshittification in real-time, and I’m just burnt out on the overhead of it all, even with just a shitty small server. Unless they do some kind of premium feature like youtube, I actually hope Discord dies.
And their UX is the worst I’ve ever encountered. Moved my entire port and roth out of them because of it
I have been using Figma since beta. It's also a big No for me. Figma already saturated the UX market. There is not a single company that doesn't use Figma anymore. Growth will have to come from outside UX with their Figma buzz targeted towards marketers, which comes with big execution risks.
ToS is a trading application, a very good one. But that's their advanced platform. Talking about the regular boomer brokerage apps like Vangard, Fidelity, Schwab, Merrill etc. I know some have definitely made their UI/UX better now too.
What a load ob B.S. lol. Think or Swim doesn't make you feel like you're trading? I day trade in ToS and the UX is absolutely fine
Microsoft and Apple Product Managers and UX Team leads burn an estimated 1-4 billion hours (400k years) of human productivity/life yearly simply from making changes for the sake of making changes.
In a world where they're the only name, sure. But their brand is slipping, trust is plummeting, and every product they have has an alternative on the market that can also be managed at scale - without the god-awful UX
Figma’s Make AI is awesome. I can’t live without it now. We (sadly for UI/UX professionals) closed a search for a designer because I can do that now. It can also write all requirements to then execute frontend development and interactions / data fields for backend development. This is all free right now but they posted notices that they will begin charging in early March. I don’t know what attrition looks like but it’s hella sticky. Can’t work without it. GLTA
Apple is generally better with UX, and some Meta products like instagram are better too
One thing is for sure, Google beats all other tech firms when it comes to UI and UX. Everything they release is smooth as butter compared to clunky stuff released by Microsoft, Amazon or Meta.
Does salesforce or hubspot have good UX? They don’t
FIG. it is used by every tech company and passes the resume test - it is a required skill in every UX/UI designer job listing so they have mindshare. their client base is also geographically diversified. it's also well capitalized with much more in assets than liabilities. adobe wanted to buy them at $20 billion for a reason. founder led. it's below their $33 IPO price. they are hiring a lot. i have been DCAing on 2028 leaps this past month
I have zero experience in user experience but I wanted to come up with a design that was something close to an existing system by only using AI. Used figma. There is definitely something I coughed up that was better than anything I would have managed to do. But it was no close to the UX person is able to do. So now give the same tool to the UX person, and imagine where they can reach. AI has sort of made people feel smarter than they actually are.
AMZN going to 0 ... worst cloud ever. The UI/UX is trash
The problem is UX. That's user experience. Gender inequality on dating sites/apps has turned it into hell for everyone. Women are outnumbered on every app 10 to 1, give or take. They are swimming in likes, swipes, etc. It's too much. Some are using it for validation, not actual dating. Complete sensory overload. Men are swimming in bots trying to sell them crypto or whatever the new scam is. For some it takes between 100-10000 swipes to get an actual face to face date. It is soul crushing. Then there is the conflict of interest. None of these apps are interested in finding you a soul mate. If you find someone, they lose a customer. They are in the business of getting you addicted to the mobile experience. Which is literal hell. So most people who try it, get disgusted and choose solitude instead. You can't be an incel if you made the choice voluntarily. Bottom line is: puts on this and the entire human species.
They just replaced half our UX designers with AI.
As someone who works in creative marketing, my teams uses Figma for waaaaaay more than just UX design. It’s increasingly becoming the primary tool for creating static digital ads, presentation decks, and collaborative brainstorming documents. Not saying it’ll completely upend Adobe’s dominance, but it does have a unique offering and stickiness that goes beyond what tools like Sketch, Axure, and InVision offered in the past.
Yep. Remember, the AI is trained against the corpus of material in your repo; it's no wonder that a Google or Apple or Meta would have way more code to train against than Nordstorm or Walmart or whatever and would have higher quality results. I agree with you. For me, it's more on the PM side; what used to take a team of 6-8 people (PMs, Engineers, UI/UX, Artists) 2 months of prototype can now be vibe coded out by a single PM in less than a week. Instead of asking PMs for PRDs, we ask them for prototypes before we build them. We're not shipping vibe code to production, but I can see it happen in 2-3 years. The AI impact is real whether people want to believe it or not. If you work for a smaller company, it'll take longer to affect you, but it absolutely will.
As a UX designer at a big tech company, I can tell you my whole team is currently working on switching to “vibe coding tools” to prototype instead of Figma. I know they have Figma Make, but I wouldn’t put any bets on Figma right now.
I work at a big SW company working on a smaller product as a dev. UX people use Figma to create overcomplicated layouts. Good to look at. I need the third of it.
I don't think you realize how deep the field of UI/UX goes. Figma is going to be the best option for getting visually exactly what you need. Vibe coding does not replace this yet.
UI/UX software that’s more or less available on every operating system. Adobe wasn’t really catering to this space until Sketch became popular, and Sketch was Mac only.
I think tools like Replit will eat Figma's lunch. Where Figma is great at designing new UX flows for enterprise, Replit can be used to build working prototypes before handing off to engineers to build out the real feature.
At it's core Figma's a UI/UX design tool and isn't used as much by graphic designers, though many do. It mostly exploded in popularity because of its real-time in document collaboration, auto layout tool and general speed and ease of use. It's since expanded into other areas and like virtually every tech company, pushed new AI tools, but that's not actually why anyone uses them.
This is why Adobe didn’t bother investing in XD. They knew that AI would be able tot take the jobs of UI/UX designers.
Is there a reason for the downslide? It feels like they’re still dominating the UX space although their newer AI and dev integrations weren’t great.
Stripe. PayPal fucked up unbranded card integration by: - being greedy. Fees were 2.9% vs 1.3% - poor UX and knowledgebase, too basic, too clunky. Where as Stripe is easy to work with as a developer. They really fumbled it. Far too slow to react to an emerging threat. It's a shame as PayPal have good customer service.
It really depends on how their new products perform. If they can take market share from Canva then are very much undervalued. If they can't and all they can do is doing price hikes on UX designers, then are overvalued. As you see, there is a lot of execution risks with figma. I don't know which scenario is gonna play out. Analyst forecast that is gonna reach forward PE ratio of 35 by e2029 with their current growth estimate. So it's up to you to determine whether you believe those growth estimate or not. Personally for me, it's hard to judge, because their new products are targeting other groups than UX designers.
You can, there are better software growth stocks out there I'm a senior UX designer by trade, but have a background in CS (hence why I can code). And figma cornered the who UX design market. There is not a single company that doesn't use Figma. So their growth avenue has to come from their new products in their product suite. This comes with bigger execution risks than if they just had to improve their current product.
Have you ever tried to use AI for enterprise-grade UI/UX design? It’s less than worthless
Except it doesn’t need to match a million users, not for scale and not for UX The problem with enterprise software is everyone hates it, everyone has an idea of which buttons and screen they would want if they were to design it. Everyone hates JIRA - everyone, yet everyone uses it When attlasian creates a roadmap, they need to decide from 10,000 user suggestions which 5 they are going to implement, and when they do half of the users will hate it and complain about it (slack is also a great example, everyone hates every time slack changes something in the UI) Now personally all I need is for my vibe coded ticket management system to fit my team of 10, let’s exaggerate and say 100, 500. That’s still not software that needs to scale to 7,000 different companies with 50,000 employees each Software can be simpler, generated team reports easier, and uptime also becomes a lot easier
Except it doesn’t need to match a million users, not for scale and not for UX The problem with enterprise software is everyone hates it, everyone has an idea of which buttons and screen they would want if they were to design it. Everyone hates JIRA - everyone, yet everyone uses it When attlasian creates a roadmap, they need to decide from 10,000 user suggestions which 5 they are going to implement, and when they do half of the users will hate it and complain about it (slack is also a great example, everyone hates every time slack changes something in the UI) Now personally all I need is for my vibe coded ticket management system to fit my team of 10, let’s exaggerate and say 100, 500. That’s still not software that needs to scale to 7,000 different companies with 50,000 employees each Software can be simpler, generated team reports easier, and uptime also becomes a lot easier
This is not a wild take at all and should not be downvoted! I was a chief app architect for a fortune 100 that recently transitioned into AI at another company. The people that are criticizing this take are still thinking about software engineering in pre-AI terms. At the fortune 100, the IT budget was $1B and 2/3 of that was software licensing fees and professional services associated with software. They had your typical SaaS solution sets like Servicenow, Workday, Salesforce, Atlassian and others. Aside from a handful of koolaid drinkers, users didn't even like a lot of the SaaS tools. These SaaS solutions are trying to be everything to everyone but when you have 1M+ stakeholders, the UX can go off the rails. The licensing fees are outrageous and never-ending and I think a lot of companies feel like they're being held hostage. In my new AI role, our engineering team has fully embraced Cursor and we are producing enterprise production systems delivering actual value. But what about the bugs, the security vulns, the tech debt? Again, stop thinking about these in pre-AI terms. These are all things that can be fixed by AI. In fact they can be outright avoided if you know what you're doing. This isn't some dude from marketing vibe coding. We have staff level engineers who have built countless enterprise apps by hand that are now overseeing AI coding agents do the work in a fraction of the time. Here's an analogy to think about. In nanotechnology, there's a concept of a molecular assembler often referred to as a nanobot. If you can build a nanobot, the first thing the bot builds is more nanobots. After that you can build whatever your heart desires whether it's diamonds, precious metals or the juiciest steak you've ever eaten. AI is going to be the nanobot of the software industry.
I love their UX for simulation. I just don’t place trades on it so no money for Vlad lol
If this tool works, you could see real reactions to products. Which is huge for marketing, UI UX, and product design. A big use case is also tracking emotions and engagement. Teachers could see how engaged students are, marketers could understand how people respond during trials, and doctors n researchers could study emotional patterns over time, like during clinical trials or treatments.
It's really not though? Gemini, Claude and ChatGPT are all better as far as UX is concerned, and Gemini makes Copilot look like a joke as far as clean integration goes. Claude ironically is easier to integrate in enterprise thanks to Agent Skills & MCP creation support for claude code.
Interactive Brokers. I allows all of it, but UX is terrible imo, not very user friendly app
This place is dog shit. Besides the you know what extremes and the bots and the racism and sexism, it crashes randomly all the time for me. And it doesn't let me browse seamlessly. Bad UX. Anything else could pop off with a good enough marketing push, especially because this isn't true social media, I don't have to convince any real friends to make the move as well. That price should drop a whole lot more what what it is. Buying a walmart tee for designer prices right now.
Curious to see how its user base ages and our portfolios' grow. Finding myself using it for more and more recently but that said, my portfolio is relatively small. The features are there - better UI/UX than the rest, IRA match, and 3% cash back on cc been quite nice. But trust and reputation take time to build and can't afford another GameStop incident
Curious if this will hold as we age and our portfolio's grow. Can't afford another GameStop fiasco. That said, I find myself preferring it for its superior UI/UX and newly added benefits. With RH Gold, IRA match pays for itself and 3% cash back on cc ain't bad either for no annual fee. Giving me more and more reasons to stay in one spot that's for sure. Really comes down to reputation and trust going forward I feel like.
Do you work in tech? Or with SaaS companies? How are you scaling designs and using design systems with these tools and building real world applications or features that don’t have the same look and feel of a run of the mill, standard build by an LLM that distills patterns down to the most basic and lifeless version of UI and ensuring good UX? Furthermore, how are you hooking this up to your own backend and scaling everything long term? I’m genuinely curious - most gen tools I’ve used (including the ones you’ve noted) are the best at getting me out of a rut by showing me a different pattern or treatment I didn’t think of. I feel like reinventing the wheel is impossible on a large scale at most if not all companies. That means we have to work within guidelines and consider what our current products look and feel like. What the users expect, as that’s design, after all. I’m curious as to how you’re approaching this because I can’t see a world where any tech dept or executive would dump all systems in favor of Lovable, for example. Thanks for the consideration, in advance!
I actually am a principal level UX designer. At this point, Figma is a place to hold the design system, screenshot states, and allows for yet one more prompt builder. I'm just finding more and more tools import from and export to Figma. Sounds good, but that leaves Figma just being a bulletin board of screenshots. I can build A/B tests with other tools in a more robust, more efficient way, while reducing bias. TLDR; As a designer with 20+ years of experience, I'm having a hard time coming up with reasons to use Figma. I think they are going to struggle to justify their existence and stay relevant.
This is such a web developer mindset. The large majority of people working in this field don’t go straight to code. That’s a huge waste of time. If anything, for the same reason you said, is why Figma will be successful. UX/UI designers will be able to just hit publish and bypass the dev completely if the features get there. We’ve had no code tools in the past though, and none of them have been perfect unless you’re making some boringly generic bootstrap website.
Imagine if they'd spent that money making the Facebook UX as good as they could, or even just took that much money less in ads on Facebook. They probably wouldn't have haemorrhaged basically everyone I know.
My thinking is that Figma is used for things that are more granular in nature, UX design where even subtle issues can be big. Whereas, you don't really need to be so polished in ads, graphics etc when you can generate something in seconds or minutes that would take days to create in Photoshop.
think it's going to 28. ad tech unfortunately is flat growth now. no longer the golden new thing. Only way to revise growth is if TTD can enter new line of business which it tried with the CTV UX DirecTV partnership but didn't really take off. In terms of line of business, TTD gonna have a hard time branching out to inventory, 1st party data or any content related business cause their whole value prop was independent DSP. To me, that is what is restricting growth.
Doesn’t help Microsoft seems to basically ignore UX completely
They're like "Yeah, but they wouldn't have your address, with PayPal they do". Totally ignoring that agents who will offer this will of course know all this and will just act on "deliver this to my home address, priority shipping if available". The only USP PayPal actually has is the UX when a human does it manually, as it enables express checkout flows (albeit wallet payments do that too). Agentic, crypto, whatever other buzzword bullshit are bad for PayPal, not good. As it levels their only advantage.
There's plenty wrong with robinhood. It is only attractive to newbies who don't know any better. Great UI/UX, absolute garbage tier for everything else that actually matters when it comes to evaluating a brokerage.
Like filters in columns like they have in excel - absolutely necessary. Obviously, you can do this at the sheet/report level, I just find it convenient to specify filters at the column as UX workflow I am glad you have the data download feature as I immediately loaded it into excel to check it out. Google sheets also works well. Continue with your plans - it has a good set of features to start with
I’ll give another take for a UX designer perspective. Figma isn’t going to be needed at all. Most SaaS and small medium companies are gonna fire all their designers and let engineers do everything with AI. They are not gonna use Figma for that
Main thing: even if LLMs grab ad dollars, this is a budget reshuffle over years, not some instant kill shot to Meta or Google. The constraint isn’t “users” for OpenAI, it’s inventory quality, intent, and targeting data. Google owns high-intent search, Meta owns crazy-deep persona graphs. ChatGPT is still mostly exploratory, low-structure queries where it’s hard to prove ROAS at scale. If anything, the early winners are whoever can fuse assistant UX with classic performance plumbing: first-party data, conversions API, attribution tools like GA4, Triple Whale, etc. Pulse plus Reddit Ads is already a good example of niche intent + community context actually moving the needle without mega-scale. I’d watch for LLMs becoming more like “ad routers” across existing networks: they answer, then kick you to Google Shopping, Amazon, or Meta/Instagram-style placements. The platform that nails that last conversion hop keeps the lion’s share of value, which is why I still think Meta and Google stay core holdings unless their data or distribution moats crack.
I’m on this thread only because I’ve been feeling the same and was wondering what others were saying. Adobe is shitting the bed imho. Does the growth not come from creatives outside UX and UI who had been locked into Adobe CS finding Figma and moving there? Slides is the best deck-making software available at the moment… PowerPoint, keynote and Google slides are a joke.
Sounds solid. What do you think in terms of their UI/UX?
The first UI mockup came from Lovable, I’m not a big UI/UX developer so that helped getting started. After the initial MVP I moved the code locally, where I developed the backend, and turned the data fetching script I had on my CLI into something that could be used for the platform.
Brand is always evolving and has to keep up with the times. When that happens, it always shifts marketing and experiences through products and other assets. Because of it, design systems can’t be static and will always shift (think about AirBnB with their recent UI/UX revamp). Brand always pulls from: aspiration, judgment, and differentiation. Everything LLMs don’t have. From a product creation perspective, I just think being able to innovate on your design systems and establish that context in one platform and pushing that through the next steps of the product creation workflow, which is product/feature design and engineering where that rich context already lives for LLM to consume will be powerful. I might be wrong but I think Figma’s velocity in executing on this makes me optimistic they will do very well in the space.
Yes, the gains are smaller (can still be amazing, esp on LEAPS), but much more likely to happen. OTM much more likely to expire worthless. OTM more of a gamble unless you are very certain a stock will rise to your breakeven within your timeframe. Or maybe you’re just holding for a day…depends on your strategy. Learn the Greeks and the different strategies. YouTube is good. I really like the book the Bible of Option Strategies. Recommend you learn spreads and LEAPS. Don’t just listen to WSB and do 0dte…. Robinhood has a great UX options forecasting tool. I don’t actually trade in RH but I use the app all the time for simulations and that helps you pick your strike. Learn how to read options chains on whatever platform you are trading on. It’s a lot, but it’s def worth it!
What you want is to have a basket of stocks with your own custom weighting rules. No brokerage is going to build UX to suit exactly your needs because that’s too niche for them to invest resources into. But you can definitely build your own automation software that does this for you if your brokerage offers trading APIs. For instance Public.com offers APIs (https://public.com/api). So nothing is stopping you from building your own portfolio management software and customize it to your heart’s desire.
Lol what's there to learn on OSX? It's literally the best UX of any OS
Funny how people will believe you with clearly false information and without any evidence simply because it aligns with their views. Figma’s revenue is not flat. Their growth is not flat. And not every UX designer uses Figma. And not every software team even has a UX designer.
It's crazy to me how often I see Wealthsimple on here... is there something about the UX that promotes risky behavior?