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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. Ian Kar‏ @iankar_ 19 Aug 2019
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      Here’s the interesting thing about fragmentation in digital finance: does that not exist in traditional banking? There are around 5000 banks in the US, so seems odd to say the same won’t happen in digital

      7 replies 0 retweets 13 likes
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    2. Dan Kahn‏ @dbkahn 19 Aug 2019
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      Replying to @iankar_

      How many of those banks/CUs were started after the internet became widely used? The fax machine? The ATM?

      1 reply 0 retweets 1 like
    3. Ian Kar‏ @iankar_ 19 Aug 2019
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      Replying to @dbkahn

      oh minuscule, but isn't it safe to assume that since these banks/CU's haven't caught up, they're more susceptible to startup challengers?

      1 reply 0 retweets 1 like
    4. Dan Kahn‏ @dbkahn 19 Aug 2019
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      Replying to @iankar_

      Yeah, they're remnants of a time when a local/geographic monopoly was what mattered

      1 reply 0 retweets 3 likes
    5. Ian Kar‏ @iankar_ 19 Aug 2019
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      Replying to @dbkahn

      totally, @RahulKayala made the same point. Think while geo effects will deteriorate, other parameters will pop up (gig workers for instance)

      1 reply 0 retweets 2 likes
    6. Dan Kahn‏ @dbkahn 19 Aug 2019
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      Replying to @iankar_ @RahulKayala

      Yes! I'm bullish on @fintechjunkie's concept of vertical banks

      1 reply 0 retweets 4 likes
    7. Ian Kar‏ @iankar_ 19 Aug 2019
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      Replying to @dbkahn @RahulKayala @fintechjunkie

      oooh may have missed?

      1 reply 0 retweets 0 likes
    8. Dan Kahn‏ @dbkahn 19 Aug 2019
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      Replying to @iankar_ @RahulKayala @fintechjunkie

      It's inhttps://fintechjunkie.com/2018/04/08/its-time-for-a-revolution/ …

      2 replies 0 retweets 7 likes
      Patrick McKenzie‏ @patio11 20 Aug 2019
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      Replying to @dbkahn @iankar_ and

      That’s really good.

      10:57 AM - 20 Aug 2019
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      • Ian Kar
      0 replies 0 retweets 2 likes

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