https://www.nijitech.io/en/blog Weekly writing on technology, software and artificial intelligence. en https://www.nijitech.io/en/blog/mcc-limits-at-car-dealerships-why-the-bank-cuts-instalments https://www.nijitech.io/en/blog/mcc-limits-at-car-dealerships-why-the-bank-cuts-instalments When a dealership cannot offer instalments, the cause is usually not the customer’s limit but the merchant category code. What the code does, and how to work around it. Fri, 28 Aug 2026 00:00:00 GMT https://www.nijitech.io/en/blog/escrow-in-car-sales-when-does-the-money-change-hands https://www.nijitech.io/en/blog/escrow-in-car-sales-when-does-the-money-change-hands In an escrow structure the money goes not to the seller but to a licensed third party, released once the conditions are met. How the flow works, step by step. Fri, 28 Aug 2026 00:00:00 GMT https://www.nijitech.io/en/blog/finding-export-buyers-why-buying-a-list-does-not-work https://www.nijitech.io/en/blog/finding-export-buyers-why-buying-a-list-does-not-work There is a difference between a purchased email list and finding a buyer. One gives you a name; the other shows why that name would buy your product. Fri, 28 Aug 2026 00:00:00 GMT https://www.nijitech.io/en/blog/voice-first-hiring-ats-versus-talent-intelligence https://www.nijitech.io/en/blog/voice-first-hiring-ats-versus-talent-intelligence An ATS is a system of record; talent intelligence is a system of assessment. Treat them as the same thing and candidates who could do the job get cut on keyword match. Fri, 28 Aug 2026 00:00:00 GMT https://www.nijitech.io/en/blog/blockchain-finality-when-is-a-transaction-really-done https://www.nijitech.io/en/blog/blockchain-finality-when-is-a-transaction-really-done “Confirmed” and “irreversible” are not the same thing. For a system accepting payments, that difference is what decides how many seconds you wait. Thu, 20 Aug 2026 00:00:00 GMT https://www.nijitech.io/en/blog/the-costliest-mistake-in-remote-access https://www.nijitech.io/en/blog/the-costliest-mistake-in-remote-access In remote access, whoever connects holds the same privilege as the person sitting at the machine. The real risk is not the password but not knowing who can still get in. Wed, 19 Aug 2026 00:00:00 GMT https://www.nijitech.io/en/blog/hardcoding-prompts-a-new-form-of-technical-debt https://www.nijitech.io/en/blog/hardcoding-prompts-a-new-form-of-technical-debt When model prompts get scattered through source code, every text change turns into a release. This is exactly what happened to SQL queries a decade ago. Wed, 19 Aug 2026 00:00:00 GMT https://www.nijitech.io/en/blog/rag-or-fine-tuning https://www.nijitech.io/en/blog/rag-or-fine-tuning Both get taken as the answer to a sentence that starts “let us teach the model our own data”. They solve two different problems. Three criteria that settle the choice. Tue, 18 Aug 2026 00:00:00 GMT https://www.nijitech.io/en/blog/the-black-box-problem-in-marketplace-repricing https://www.nijitech.io/en/blog/the-black-box-problem-in-marketplace-repricing If a system that changes your prices automatically cannot say why it changed them, mistakes cannot be found. Nobody notices until the margin has melted. How to build auditable repricing. Mon, 17 Aug 2026 00:00:00 GMT https://www.nijitech.io/en/blog/where-is-your-data-processed-mapping-the-chain https://www.nijitech.io/en/blog/where-is-your-data-processed-mapping-the-chain “Our data is in Europe” usually describes the first link in the chain. The real question is who that link depends on. A practical way to build a processing inventory. Mon, 17 Aug 2026 00:00:00 GMT https://www.nijitech.io/en/blog/measuring-hallucination-building-an-eval-set https://www.nijitech.io/en/blog/measuring-hallucination-building-an-eval-set “The model makes things up sometimes” is an observation, not a measurement. You cannot claim to have fixed a problem you cannot measure. A practical way to build an evaluation set. Sat, 15 Aug 2026 00:00:00 GMT https://www.nijitech.io/en/blog/self-hosted-cloud-when-it-makes-sense https://www.nijitech.io/en/blog/self-hosted-cloud-when-it-makes-sense The cloud is not always the right answer, and neither is your own hardware. The decision is set by four questions, not by a price table. Sat, 15 Aug 2026 00:00:00 GMT https://www.nijitech.io/en/blog/why-ai-pilots-stall-before-production https://www.nijitech.io/en/blog/why-ai-pilots-stall-before-production The gap between an AI pilot that works and a system that survives in production is not in the model but in the layer built around it. Four concrete breaking points. Fri, 14 Aug 2026 00:00:00 GMT https://www.nijitech.io/en/blog/what-ai-actually-costs https://www.nijitech.io/en/blog/what-ai-actually-costs Per-transaction cost is small and invisible in a pilot; multiplied by volume it decides the entire invoice. A practical way to measure it and bring it down. Fri, 14 Aug 2026 00:00:00 GMT https://www.nijitech.io/en/blog/where-automation-ends-and-autonomy-begins https://www.nijitech.io/en/blog/where-automation-ends-and-autonomy-begins Rule-based automation works as long as the input arrives the same way every time. The moment it does not, it stops. Where the boundary sits and which approach belongs where. Fri, 14 Aug 2026 00:00:00 GMT