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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 29 Mar 2018
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      Patrick McKenzie Retweeted #TestAndTrace Smith  🐇

      I’ve lived in Japan continuously since 2004, and would agree with somewhere between 80 and 90% or this. (Point of differance: I’d be surprised to meet a non-Japanese professional in any setting other than the technology industry or a foreign corporation.)https://twitter.com/noahpinion/status/979563538485100545 …

      Patrick McKenzie added,

      #TestAndTrace Smith  🐇Verified account @Noahpinion
      1/I have been coming to Japan since 2002. Since that time, the country has changed enormously. Year-to-year the changes are small, but looking back, they really add up. Here are some of the things that have changed.
      Show this thread
      6 replies 8 retweets 57 likes
      Show this thread
    2. Patrick McKenzie‏ @patio11 29 Mar 2018
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      I’d be mostly surprised to run into a Westerner working in retail unless it was an establishment they ran; I’d be unsurprised to see a McDonalds or convenience store staffed primarily by Nepalese immigrants, contingent on that store being in Tokyo.

      3 replies 0 retweets 3 likes
      Show this thread
    3. Patrick McKenzie‏ @patio11 29 Mar 2018
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      As you probably know if you follow me: foreigner, particularly Westerners, who speak any useful level of Japanese continue to be so rare that I am pleasantly surprised if anyone is not pleasantly surprised that I am conversant or literate.

      3 replies 2 retweets 12 likes
      Show this thread
    4. Patrick McKenzie‏ @patio11 29 Mar 2018
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      This includes situations where background for the situation should be overwhelmingly in favor of me being literate, such as “I am here to open an account at the bank so I can repay the materially sized mortgage that you have exhaustively underwritten me for.”

      1 reply 0 retweets 16 likes
      Show this thread
    5. Colin Percival‏ @cperciva 29 Mar 2018
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      Replying to @patio11

      You need to have an account at the bank in question? I thought that online bill payment (or whatever the .jp equivalent is) would let you pay a mortgage anywhere from anywhere.

      1 reply 0 retweets 0 likes
      Patrick McKenzie‏ @patio11 29 Mar 2018
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      Replying to @cperciva

      They are technically capable of doing that but they were willing to take a few basis points from my rate contingent on me opening a deposit account there so I was naturally quite interested.

      11:01 PM - 29 Mar 2018
      2 replies 0 retweets 0 likes
        1. New conversation
        2. Patrick McKenzie‏ @patio11 29 Mar 2018
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          Replying to @patio11 @cperciva

          I think the logic is a combination of cross-subsidization of product lines, “If we get him to pay his mortgage from our account then he’ll almost certainly get his salary deposited here and then we can up sell every other banking service”, and “saves us a transfer fee monthly.”

          1 reply 0 retweets 1 like
        3. Colin Percival‏ @cperciva 30 Mar 2018
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          Replying to @patio11

          Interesting. In Canada it tends to go the other way around -- "have your mortgage with us, and we'll give you a rebate on your monthly banking plan fee".

          1 reply 0 retweets 0 likes
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        1. Florian‏ @frivoal 30 Mar 2018
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          Replying to @patio11 @cperciva

          Basis points? I got two full percentage points off the base rate for opening an account. Sure, the base rate is nuts, but hey.

          0 replies 0 retweets 0 likes
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