Channel — the website as a bank shop window (2006). Product — an ecosystem of services around the customer (2014). Platform — shared capabilities reused by dozens of teams and partners (2022).
At each step not only the technology changes but the kind of decisions too: from UX channels to product hypotheses, then to platform contracts and self-service for internal consumers.
The map explains why team and architecture strategy must catch up with the phase — otherwise the platform turns into a legacy channel.
Map current decisions to the three stages: channel, product, platform.
Find where the platform still behaves like a channel or a product.
Align the next platform contract for consuming teams.