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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 31 Oct 2019
    • Report Tweet
    • Report NetzDG Violation

    Patrick McKenzie Retweeted Joel Runyon

    Request for startup (in strictly a personal capacity): I collect checking accounts, because I'm a little bit broken. If you ever set out to build the below product for retail banking, please get in touch. I would love to chat about checks somewhat larger than $30.https://twitter.com/joelrunyon/status/1189797282281119744 …

    Patrick McKenzie added,

    Joel RunyonVerified account @joelrunyon
    Replying to @patio11
    if @Superhuman can charge $30/month for email, someone can figure out how to create a $30/month experience for checking...
    1:54 AM - 31 Oct 2019
    • 3 Retweets
    • 61 Likes
    • Vaibhav Patil Ruben Izmailyan Benjamin “shelter in place” Chait razh Conor Armand Domalewski Maia Bittner 🏡 Marc Seth Fenster
    15 replies 3 retweets 61 likes
      1. New conversation
      2. immad‏Verified account @immad 31 Oct 2019
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        Replying to @patio11

        What are the actual features you want?

        1 reply 0 retweets 3 likes
      3. Patrick McKenzie‏ @patio11 31 Oct 2019
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        Replying to @immad

        I never woke up with a Superhuman shaped hole in my life until I tried it. I don’t know what’s missing, I just know I’m a power user and would welcome spending 90% less time than I do.

        2 replies 0 retweets 16 likes
      4. 2 more replies
      1. New conversation
      2. Firas Durri‏ @firasd 31 Oct 2019
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        Replying to @patio11

        Recently PMC Bank in Mumbai went under because of overexposure to bad loans which has prompted me to ponder this, ie. Why aren’t there banks that just take your money and hold it without doing anything risky or otherwise greedy.

        1 reply 0 retweets 0 likes
      3. Patrick McKenzie‏ @patio11 31 Oct 2019
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        Replying to @firasd

        The term of art is "narrow banks." As to why there are basically no narrow banks: Society wants banks to be in the Goldilocks zone of risk taking, because broad access to credit keeps the economy humming and because credit is a privately funded safety net.

        0 replies 0 retweets 10 likes
      4. End of conversation
      1. New conversation
      2. Jan Rychter‏ @jrychter 31 Oct 2019
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        Replying to @patio11

        Collecting checking accounts calls for FBAR-as-a-service for US expats. I wonder how you do it: did you manage to somehow automate the (rather painful) process?

        1 reply 0 retweets 0 likes
      3. Patrick McKenzie‏ @patio11 31 Oct 2019
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        Replying to @jrychter

        Via copy/paste and scripting to get the peak balance number from a dump of yearly transactions. Someone could make a nice MicroConf style business out of automating FBARs and just radically reducing data entry. My bank doesn’t change addresses every year, why force me to retype.

        0 replies 0 retweets 1 like
      4. End of conversation
      1. New conversation
      2. Tyler Tringas‏ @tylertringas 31 Oct 2019
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        Replying to @patio11

        Honestly I’ve been using Schwab checking for years and am quite satisfied with it. What would $30+/month checking account have above and beyond what they offer? (I could see better tooling for budgeting maybe)

        1 reply 0 retweets 5 likes
      3. Tyler Tringas‏ @tylertringas 31 Oct 2019
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        Replying to @tylertringas @patio11

        I’d pay $30/mo or much more for a Plaid-like service that just actually ensured syncing between all my accounts didn't break constantly.

        0 replies 0 retweets 1 like
      4. End of conversation
      1. New conversation
      2. El Yobo‏ @elyobo 31 Oct 2019
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        Replying to @patio11

        As a Kiwi living in Australia I'm confused by the terminology; what do you mean by a "checking" account? Does it have anything to do with cheques/"checks", or is it what we'd call a transaction account? Transaction accounts seem painless (here)...

        2 replies 0 retweets 1 like
      3. Patrick McKenzie‏ @patio11 31 Oct 2019
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        Replying to @elyobo

        They're called current accounts, checking accounts, 普通貯金, transaction accounts, etc etc. Whatever the thing is in your neck of the woods where a e.g. white collar employee would customarily receive their salary and expect to use as the financial hub of their life.

        2 replies 0 retweets 0 likes
      4. 1 more reply

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