Low-Code Startup or Fintech?

First off, which job would you enjoy both professionally and personally - technology, work/life balance, management, colleagues, salary, other comp, vacation days, flexibility, training etc.

Next up, sustainability of the businesses. Are they making a profit or how is the plan going to make a profit at some point? If not profitable, what’s the runway? How’s product/market fit? What about a history of success expanding their market? What’s the competitive landscape looking like?

Some meta commentary: payments is a sucker’s game, with margins dropping year on year as more businesses enter the space. There are really very few angles for success, one of which is scale (wholesale price reduction). Is the gateway likely to be top-25 globally, or too-5 in its vertical in the next 10 years? If not, it’s either going to fail slowly, get bought by a much bigger competitor or invent a new angle to be successful, with the first two being far more likely.

All the rest is in the details - I can easily imagine a promising "low-code" company despite them playing in this overhyped and shaky niche, and a terrible "payment gateway" company despite their current cashflow etc.

I think the worst thing that can happen is my situation which is that I’m in an okay job which I am thankful to have rn but I feel like I’m stagnating and not earning as much I should but at the same time not many jobs for what I’m interested in.

Other job characteristics matter as well though.

Which one pays better?

Which one will you learn more at?

Which one will you have more fun at?

Which one has the better commute?

Etc.