Viewing profile — pjg

One of the reasons why legacy apps continue to live on (despite outliving their usefulness ) is third party tie-ins. The reason most companies are reluctant to switch from slack is…

I interacted with Om a few times. Genuinely good soul. I met him a while back - about ~15 years or so. In spite of his busy schedule he took time out to speak with me. Gave me some…

There is nothing preventing PIX from going global (just like VISA/MC). If you look at the history of domestic systems e.g. China Unipay, India UPI/Rupay, Japan JCB they started off…

It is delightful to see PIX's exponential growth. It was preceded by India's UPI and borrowed heavily from it Here's a paper describing the experience: https://www.braziliankeynesi…

Zelle has many limitations: 1) The recipient needs to download the app and sign up. How does the Payor know whether the recipient has Zelle app or not 2) Even with the app, there a…

RFP i.e. Request for Payment is not part of this release. Furthermore there is no ETA from the Fed as to the release date for RFP. Currently FedNow is simply a push payment system …

So this is what Will wanted to do when he left Plaid. Having the financial means to "buy" a bank certainly helped. Nice! Getting a new bank charter since the financial crisis of 20…

Disclaimer: I'm the founder of Checkbook.io ( a payments platform with a single API for sending payments) There are 2 parts to any payment, the sender side and the receiver side. B…

Yes, use of cards i.e. Credit Cards is likely to decline in the US. However that does not mean Credit Card use is declining at all. Instead it's increasing. There is a movement an …

Credit Karma ? It was acquired by Intuit, not Square

Seems like a simple value proposition here: BNPL is growing like crazy. Square doesn't have a strong product in BNPL space. Add to that it will get a presence in AUS/NZ and it beco…

Seems like this applies to unencrypted communications only. Most http traffic is over https so will need considerably more work to decrypt it

Checkbook.io | Digital Payments | San Mateo/ San Francisco CA | ONSITE | Full-time | Engineering | $120K+ and equity We are a fintech startup and solving the problem of sending pay…

FedNow is a while away. RTP (Real-time payments) from the The Clearing House is already doing it. They have appx half the DDAs (bank accounts) in the US covered. Another year or tw…

FedNow is a while away. RTP (Real-time payments) from the The Clearing House is already doing it. They have appx half the DDAs (bank accounts) in the US covered. Another year or tw…

OK. But will DoJ disallow the acquisition of finicity by Mastercard ? VISA and Mastercard follow each other. I'm waiting to hear the verdict on finicity acquisition by MC

AFAIK Stripe (/dev/payments back then ) never demo'd on the demo day of either S09 or S10. YC had/has a deal with Sequoia that Sequoia gets first dibs on the companies in each batc…

Sorry, just added

I lost my father some back too, though he lived longer, I can relate. Hit me up, my email is in my profile, would love to connect

There is another reason. This is very specific to the way USA does things. It has to do with the role of the government vs. market. Other countries also had an antiquated payments …

I like this. As a founder I'm constantly multi-tasking. Getting "maker" time is virtually impossible. Having accountability in 1 hour increments is good. The key is the overhead of…

Checkbook.io | Blockchain enabled Digital Checks | San Mateo/ San Francisco CA | ONSITE | Full-time | Engineering | $100K+ and equity We are a fintech startup and solving the probl…

Is this functionally different from the US immigration authorities asking to inspect a person's social media content on their cellphone/laptop when entering the US ? Not just from …

Checkbook.io | Blockchain enabled Digital Checks | San Mateo/ San Francisco CA | ONSITE | Full-time | Engineering | $100K+ and equity We are a fintech startup and solving the probl…