# Technical Debt
**Source:** https://glossary.keenfunnel.com/terms/technical-debt
**Language:** Russian

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## Техническое объяснение

Debt can arise in code, architecture, data, tests, infrastructure, security, documentation, or operations. Like financial debt, it can be a deliberate trade-off, but it accumulates interest through slower change, defects, workarounds, and rising cognitive load.

## Актуальность для бизнеса

Visible technical debt helps leadership balance delivery speed with reliability and adaptability. Unmanaged debt reduces development capacity, increases incident risk, and delays strategic change.

## Пример реализации

A team launches with a temporary point-to-point integration, records its limitations and retirement trigger, and budgets replacement before transaction volume makes migration expensive.

## Ограничения и распространенные заблуждения

Technical debt is a metaphor, not a precise accounting measure. Not every old system or imperfection is debt, and rewriting systems can create more risk than maintaining them.

## Темы

Архитектура систем Инженерия данных

## Источники

Ward Cunningham — The WyCash Portfolio Management System — Martin Fowler — Technical Debt — https://martinfowler.com/bliki/TechnicalDebt.html

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