Kalzumeus Software

From Patrick McKenzie about making and selling software.

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December 21

KS

Kalzumeus Software

4 months ago

Payroll providers, Power, Respect

Payroll providers, Power, Respect Payroll processors exist to provide financial infrastructure and because political economy is complicated. ...

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December 13

KS

Kalzumeus Software

4 months ago

The Long Shadow of Checks

The Long Shadow of Checks A recurring theme for Bits about Money is that financial infrastructure is heavily path dependent. We’re (oft unknowingly) standing ato...

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November 24

KS

Kalzumeus Software

5 months ago

The Bond villain compliance strategy

The Bond villain compliance strategy Jurisdictional gamesmanship is a common strategy for crypto businesses. Here is how it worked out for Binance and its CEO. S...

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November 7

KS

Kalzumeus Software

6 months ago

Seeing like a Bank

Seeing like a Bank The structural reasons why banks sometimes behave bizarrely in interactions with customers, like forgetting things which customers tell them. ...

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September 29

KS

Kalzumeus Software

7 months ago

A review of Number Go Up, on crypto shenanigans

A review of Number Go Up, on crypto shenanigans A review of Zeke Faux's Number Go Up, with some bonus commentary on financial journalism and Tether specifically....

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August 11

KS

Kalzumeus Software

9 months ago

Credit card debt collection

Credit card debt collection Credit card debt is the waste stream of consumer finance. The debt collection industry ends up being sordid, for complex structural a...

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June 16

KS

Kalzumeus Software

10 months ago

Requiem for a bank loan

Requiem for a bank loan A brief retrospective on an attractive product First Republic used to offer, and a wider discourse on the banking crisis. ...

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May 5

KS

Kalzumeus Software

12 months ago

Deposit franchises as natural hedges

Deposit franchises as natural hedges Many observe that banks seem to be blowing up due to predictable consequences of rising interest rates. How did we get here? ...

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April 5, 2023

KS

Kalzumeus Software

about 1 year ago

Deposit insurance maximization as a service

Deposit insurance maximization as a service In the wake of the recent banking crisis, there is some attention to deposit insurance limits. Some products increase...

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March 14, 2023

KS

Kalzumeus Software

about 1 year ago

Banking in very uncertain times

Banking in very uncertain times We may be in the early stages of a banking crisis: why, what we're doing to avoid it, and what we may not get about it. ...

Entrepreneur Startups Tech