AI tools made designers faster. The question nobody’s answering is whether their organizations can keep up.

Cameron Worboys, head of product design at Cash App, talking to Michael Riddering on Dive Club:

I think the biggest blockers across all of the tech industry in the next 2 years will not be the speed of building. It’s going to be the operational side and being able to move something from like we have built this thing. How does it move through the operational cogs of product development in order to like get it live to customers? So my view is like how do we set ourselves up for the new world? You have to make sure that your organization is capable at running at the same speed as the AI tools. And these AI tools move fucking fast.

The bottleneck migrated. Building isn’t the constraint anymore. Getting what you’ve built through approvals, reviews, compliance, and deployment is. Cash App’s response has been radical: they’ve flattened to three management layers (they call it “core plus three”), deleted design crits, and are pushing every designer to ship production code.

Worboys on what quality actually looks like at this speed:

The quality piece, there’s a misconception that it comes from a designer sitting in some cave for 3 months and pontificating about the future of software. It literally doesn’t. It comes from reps and the speed which you can be wrong and the speed that you can go again and experiment and experiment and experiment. And I think that’s what we’ve seen change, is the amount designers can produce has exponentially increased and the amount of like bureaucracy and layers you need to run an organization has changed a lot as well.

Quality through iteration, not pontification. That’s always been true, but when each iteration takes minutes instead of days, the gap between teams that ship and teams that sit in review becomes enormous.

Worboys on where this leads:

I believe one of the primary ways which you will create lock-in in the new world is creating apps that feel completely one of one. […] When you think about the future of software development and where it’s going with generative UI, there is nothing in the future that’s going to prevent us from creating these completely one of one experiences. So that’s what is top of mind for me at the moment. And I do think we will get there relatively quickly, that every Cash App does feel unique and completely designed around the person. And then from a business perspective, it creates this deeper, harder to quantify emotional connection with a product that is the same as like your wardrobe. Clothes are by and large like an expression of personal identity.

This is the most concrete product bet I’ve seen on generative UI. Not widgets inside a chat window. Entire apps shaped around the individual. I still think core app chrome should stay stable. But Worboys is betting that consumer fintech is where that line starts to blur.