docs: add improvement ideas

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@@ -210,6 +210,47 @@ simplicity.
 [CSRF]: https://owasp.org/www-community/attacks/csrf
 [SameSite]: https://owasp.org/www-community/SameSite
 
+### Going further
+
+#### Technical platform improvements
+
+* Form validation could be refactored to make constraints more easily
+  composable and to improve error reporting to users with a per-field
+  granularity.
+
+* Error handling could be improved by the use of exceptions to be turned into
+  user-friendly error messages in a generic way, either through decorators or
+  with a middleware.
+
+* Request handlers could be made fully asynchronous after migrating to psycopg3
+  to improve performance under a large amount of requests.
+
+* Database schema migration will need to be implemented to ease the deployment
+  of subsequent versions of the application.
+
+#### Functional project improvements
+
+* A minimum transaction amount needs to be introduced to prevent users from
+  dodging the transaction fees by sending small unbillable amounts.
+
+* The financial transaction log on the wallet page gets longer over time and
+  needs to be properly paginated.
+
+* Some stronger form of authentication could be used, either by delegating the
+  authentication to some other provider, or by adding multiple-factor
+  authentication.
+
+* Users should be offered the possibility to modify their account data, delete
+  their account, and to download all the data concerning them.
+
+* The creation of new user accounts could require some email validation.
+  Users could be notified via email of incoming money transfers.
+
+* The user interface could be translated into multiple languages with the help
+  of an internationalisation/localisation library such as [Babel].
+
+[Babel]: http://babel.pocoo.org/en/latest/
+
 
 ## Development environment