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Complex Systems with Patrick McKenzie (patio11)
Patrick McKenzie
WELTMeister
WELT
UCLA Bruins Football News Today | 2 Min News | The Daily News Now!
The Daily News Now!
Commanding Morning
Peter Adekeye
New York Yankees News Today | 2 Min News | The Daily News Now!
The Daily News Now!
Source Not Found
Beau Woodall & Brandon Jeune
Die Radio Steiermark-Journale
ORF Radio Steiermark
Havineini - הבינני
Rabbi Shimon Spitzer
The 7
The Washington Post
Les Paris RMC
RMC
Motor Sport F1 Show with Mark Hughes
Motor Sport
Bussin' With The Boys
Bussin' with the Boys
Steueraffe
Alexander Hofer, Simone Wesiak
MAMMOTH DAILY
Mike Folta & Adrian Denny
Morning Edition
NPR
Dover News Today | 2 Min News | The Daily News Now!
The Daily News Now!
Priorité santé
RFI
Reasonable Hope (Philosophy)
Brian Rihner
The Good Tech Companies
HackerNoon
AM Quincy
Quincy Access Television (QATV)
Face à Lechypre
BFM Business
Insurance Town
Heath Shearon
Les experts de l'immo
BFM Business
Roanoke News Today | 2 Min News | The Daily News Now!
The Daily News Now!
Broken Simulation with Sam Tripoli and Johnny Woodard
Sam Tripoli & Johnny Woodard
The Dragon's Lair Motorcycle Chaos
John E. 'Black Dragon' Bunch II
三遊間のほそ犬スピリッツ
MBSラジオ
MDAA Defense Briefing
Missile Defense Advocacy Alliance
Radio Ergo
Radio Ergo
Morning Call
CNBC
הרב מיכאל שושן
הרב מיכאל שושן
The Bullvine Daily Brief
The Bullvine
Ansakonferenz
LAOLA1
La Pizarra de Quintana
Radio MARCA
The Audible Local Ledger Reads to the Blind
Audible Local Ledger
Latest Stories from The Associated Press
The Associated Press
Fox Weather Update
Fox Weather
Todo
Patrick McKenzie
Patrick McKenzie (patio11) reads his 2021 essay "Payments in Japan," tracing how Japanese consumers navigate a landscape with dozens of competing payment methods at once: credit cards, electronic money, QR-code super app...
Patrick McKenzie reads from his 2022 Bits About Money essay on mortgages, making the case that a mortgage is best understood as a manufactured product, not a simple loan between a bank and a customer. He walks through th...
Patrick McKenzie reads from his 2024 Bits About Money essay on ACATS, the Automated Customer Account Transfer Service that governs how Americans move investment accounts between brokerages, then updates it with regulator...
Patrick McKenzie (patio11) is joined by Aaron Brown, author of Wrong Number, to examine why institutions that produce bad statistics face so few consequences for doing so. They trace the pattern from Aaron's 1975 summer ...
The improbable but true story of how non-profits operating a private intelligence agency to combat terrorism decided to interfere with campaign infrastructure in a U.S. election.This piece includes original public intere...
Patrick McKenzie reads from his latest Bits About Money essay, walking through why bank fraud charges are a prosecutor's favorite tool, how the Bank Secrecy Act's surveillance regime is designed to force criminals into i...
Patrick McKenzie (patio11) reads his classic Bits about Money essay on how checks shaped the entire American payments infrastructure, from the origins of ACH to why a standard US bank account is, technically, a credit pr...
Patrick McKenzie (patio11) reads his classic Bits about Money essay explaining why revenue recognition in software is more complicated than most engineers, founders, and financial reporters think. The essay covers the ac...
Patrick McKenzie (patio11) reads his classic Bits About Money essay on why your bank deposit is not what you think it is. He explains the capital stack that makes deposits appear riskless while funding genuinely risky bu...
In this episode of Complex Systems, Patrick McKenzie riffs on why public sector payroll modernization is even more likely to fail than the typical public software procurement project. He then goes into a wider discussion...
Patrick McKenzie (patio11) explains how compliance regimes designed to be viral brought many more firms into the scope of frameworks like SOC 2. This created a market demand for compliance-on-the-cheap by companies like ...
Patrick McKenzie (patio11) reads his classic Bits about Money essay explaining why the debt collection industry earns its “river of effluvia” metaphor. From the accounting standards that force banks to "charge off" delin...
Patrick McKenzie (patio11) and Philip Kiely, early employee at Baseten, discuss the inference stack: the critical layer of software and hardware that sits between a model’s weights and a user’s prompt. They cover inferen...
Patrick McKenzie (patio11) deconstructs the "original sin" of payments: building a global financial substrate on shared secrets that were distributed promiscuously to function. He examines the multi-decade game of Whack-...
Patrick McKenzie (patio11) and Luke Farrell examine the structural "technical imagination" gap that prevents the US government from delivering high-fidelity digital services. They discuss why states routinely pay full pr...
Patrick McKenzie (patio11) reads an essay about "industrial-scale" fraud and why it should be treated as a professional business process rather than a series of isolated accidents. He explains how fraudsters leverage spe...
Patrick McKenzie (patio11) reads an essay about the business of check cashing, a misunderstood industry. He explains why cashing a check is actually a "new credit extension" where the bank bets on both the writer and the...
Patrick McKenzie (patio11) walks through a coding session with Claude Code to demonstrate what the fuss is about. The business problem: recovering failed subscription payments that required coordinating APIs across Strip...
Patrick McKenzie (patio11) is joined by Ruxandra Teslo to discuss why drug development keeps getting more expensive despite revolutionary new treatment modalities from GLP-1 agonists to gene therapies. They discuss Eroom...
Patrick McKenzie (patio11) sits down with Intercom co-founder Des Traynor to examine customer support through the lens of Conway's Law, Goodhart's Law, and several decades of accumulated organizational scar tissue. They ...
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