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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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    1. 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.

      7 replies 2 retweets 38 likes
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      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.”

      4:44 AM - 4 Aug 2018
      • 1 Retweet
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      • James Burns Joe Petrakovich Scott Weldon paul shinn John Wilmes ダークソール Jason Hofmann Chad Huber
      3 replies 1 retweet 17 likes
        1. ice9‏ @__ice9 4 Aug 2018
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          Replying to @patio11

          I have seen these used for up to several million dollars in the past. They do scale, assuming you have some kind of relevant inventory or assets and know the correct person to call.

          0 replies 0 retweets 0 likes
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        1. Andrew Wygle‏ @awygle 4 Aug 2018
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          Replying to @patio11

          They also offer a very solid high yield savings account

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        1. Jon Colverson‏ @JJC1138 4 Aug 2018
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          Replying to @patio11

          I'd bet money that the spinner is designed to give the impression of human review. Realistically what value can a human add in 30s there? I remember hearing about tax software that added a fake "calculating" wait screen to give the impression that it was doing hard work.

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