Domingo Meneses @ M2020

2023 is for creating, not consuming 💪🏽

.@KamalaHarris will be a president for all Americans. She actually cares about making your lives better. Donald Trump only thinks about himself. I want you to remember this: if someone doesn’t respect you, they should not represent you. That’s not what you need in your life. And we don’t need Donald Trump leading our country for another four years.

It’s getting really cringey here - a billionaire buying a social co to sway an election his way 😰

@MJenkins88 Seems like they do in Europe klarna.com/international/… But also in the US from their FAQ - it’s not very explicit though klarna.com/us/customer-se…

How has Klarna still not got open banking payments as an option for it's BNPL repayments? Unless I am missing something, it's card or DD which seems crazy. Had an early payment pending since Thursday.

BNPL & EWA: - reporting into credit bureau needs to ideally be an opt in from consumers - open banking will help with underwriting in the US - open payroll could help more with EWA - only 4% paid BNPL late fees in US on @Klarna - immigrants / thin or no file still challenging

You come all the way to a payments conference just to find out it’s really the hotel check in process that’s broken 😅

@BainandCompany in working with clients: - Banks still trying to understand the “cannibaliztion” and incentives behind real time payments - data, AI and the bank as a “vendor” to the fintechs are thorny areas B2B BaaS is navigating - how to thread humans and compliance + AI

B2B panel at M2020: - RTP and FedNow mainly being used for lending, payroll and real estate payouts. @ModernTreasury is seeing $1B of real time payments - checks are still here but RTP and maybe even more so RFP might eat into them - @ModernTreasury did RFP tests this spring

@brunoswerneck @Plaid Let’s run into each other!

Heading to Money20/20 next week with a few @Plaid friends (and the rest of the fintech community) Find us at our booth, meeting room at Bassano, and all over the Venetian DM me if you're around to grab a coffee. eExcited to catch up with folks! plaid.com/events/meet-at…

@jevgenijs @ryansconway Maybe now via Afterpay they might but they need a global product for it to make sense I think

@ryansconway Now yes. But remember, they had a global ambition? (a slide from 2022 Investor Day 👇🏻)

I have only one question about Stripe’s acquisition of Bridge: why the ***k isn’t Cash App / Block experimenting with stablecoins?! $SQ

We’ll see these in Vegas soon - can see it being a good test market

@pitdesi This happens often - for spacex live launches 😞

There was a fake Tesla launch event with 250k viewers- QR code leads to a crypto scam 😭

Big programs like Revolut and Wise in the US going to Lead Bank off the windfall of Evolve and other consent orders. Curious why is Lead or Column a better place to land? What other options do these programs have - any other strong sponsor banks out there?

@rihanna Sounds like you need a crib tent - it changed the game for our toddler sleep routine amazon.com/Crib-Tent-Brea…

being a boy mom is an Olympic sport 🤦🏾‍♀️💙🤷🏿‍♀️

fintech friends - anyone know what the commercial structure is for these gpay virtual cards? Is Google the issuer of these cards and makes interchange? do they become the MOR for the transaction? Who is gpay using to issue these cards? I've always wondered!🤔

fintech friends - anyone know what the commercial structure is for these gpay virtual cards? Is Google the issuer of these cards and makes interchange? do they become the MOR for the transaction? Who is gpay using to issue these cards? I've always wondered!🤔

@brunoswerneck @Shopify @stripe @jevgenijs @NikMilanovic @jmover @regulatorynerd Starbucks + FIS, Ebay + Adyen and PayPal / Venmo + Synchrony could be a few big ones

Aside from @Shopify + @stripe, what are some examples of the most successful product partnerships / BD deals in fintech? Also curious if anyone knows the economics of that deal (DMs open) Apple and Goldman doesn't count 😀 cc' @jevgenijs @NikMilanovic @jmover @regulatorynerd

@truptinatu We live in the T&Cs 👁️

Studying all payment T&Cs for a client & now I know what they mean when they say “Devil is in the details.” 🤯 Might write about it some point. This is fascinating stuff & needs so much clarity.

Travis Scott performing Mamacita in Chile 🇨🇱 RIP RICH HOMIE QUAN

@brian_g_peters @Shopify 💯 I took my full time while at Shopify and was so glad I did. Congrats to you and the fam!

This week I return to @Shopify after 3 months of Paternity Leave (welcomed our 2nd little one). I was hesitant about taking the full leave, but so glad that I did. What a special time that my wife and I will remember for the rest of our lives. To all the future Dads and Moms out there, if you're on the fence about taking the full leave, do it and don't look back. You won't regret it! Now, back to work and I couldn't be more excited. The Shopify Ecosystem is like my second home! 🚀🙌🙏

@csuitecounsel @mikulaja Was going to say - looks clean 😂

@mikulaja Clean design inspired by Google search? :-)

Btw, this is what the Klarna “bank account” that is suppose to be a competitive threat to Bank of America and Revolut looks like (at least in the US):