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patio11's profile
Patrick McKenzie
Patrick McKenzie
Patrick McKenzie
@patio11

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Patrick McKenzie

@patio11

I work for the Internet, at @stripe, mostly on accelerating startups. Opinions here are my own.

東京都 Tokyo
kalzumeus.com
Joined February 2009

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    Patrick McKenzie‏ @patio11 4 Aug 2018
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    American Express personal loans are a jawdroppingly good experience for a traditional financial product. Blended online and offline experience, *heavily* relies on your information on file with them, and done in like ~2 minutes at 7 AM on a Saturday with, I think, human review.

    4:42 AM - 4 Aug 2018
    • 2 Retweets
    • 38 Likes
    • Jake Tsacudakis Jesse Jones Josh Kaufman Cem Kesemen sgrptl Jon Atkins Sumanth ⚡ James Burns Solution Money
    7 replies 2 retweets 38 likes
      1. Patrick McKenzie‏ @patio11 4 Aug 2018
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        “What credit card are you paying off?” *typetype* Our indicative offers are as follows; pick which monthly payment you want. *do so* “Anything changes about your details?” No. “Please wait *spins 30s* You’re approved; e-sign here.”

        3 replies 1 retweet 17 likes
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      2. Staying at home Stanley‏ @IamStan 4 Aug 2018
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        Replying to @patio11

        You need to come to the UK... that's standard for a big bank. You should see what the challenger banks are doing. Its great 👌

        1 reply 0 retweets 2 likes
      3. Patrick McKenzie‏ @patio11 4 Aug 2018
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        Replying to @IamStan

        But if I immigrated again to get good bank stories how would I keep getting Japan bank stories?

        2 replies 0 retweets 6 likes
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      2. Patrick McKenzie‏ @patio11 4 Aug 2018
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        Replying to @rekoske @IBKR

        Insufficient taxable margin-eligible investments in the US relative to the credit card debt I’ve been working on for a few years.

        0 replies 0 retweets 1 like
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      2. Harry Heymann‏ @harryh 4 Aug 2018
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        Replying to @patio11

        Curious what sort of human judgement is reasonably employed under those constraints.

        1 reply 0 retweets 1 like
      3. Patrick McKenzie‏ @patio11 4 Aug 2018
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        Replying to @harryh

        I imagine it’s like a dashboard with a bunch of things coded green/yellow/red and you’re just reviewing for “Does the total narrative here make sense?” (And probably a less about credit management and a little more for saying “A human was involved on every loan!” for reasons)

        1 reply 0 retweets 4 likes
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      1. Jason Hofmann‏ @jhofmann 4 Aug 2018
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        Replying to @patio11

        I agree. I recently took a super small loan just to take a test drive of the experience in case I need to use them in the future for something important. I was very impressed.

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      1. Anthony Elizondo‏ @complexsplit 4 Aug 2018
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        Replying to @patio11

        sounds like @meetearnest.

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      1. ダークソール‏ @DarkSoul4242 4 Aug 2018
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        Replying to @patio11

        Ah, thank you for that piece of info. Might come in handy soon-ish.

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