Andrew Escobar

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Andrew Escobar

Andrew Escobar

@andrewe

fintech exec, open banking persister • board leadership, good governance • former open banking @mx, corporate director @ciranews, and fintech fellow @joinodf

Toronto เข้าร่วม Ocak 2007
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James Zhou
James Zhou@jameszhou02·
btw their supabase storage bucket is publicly accessible via any signed url token 😭 exposes: > employee background checks > equity vesting schedules and grant amounts > performance reviews > session tokens for stripe, notion, etc > screenshots below 🧵 i also got access to their notion 😛
James Zhou tweet media
erin griffith@eringriffith

A detailed and brutal look at the tactics of buzzy AI compliance startup Delve "Delve built a machine designed to make clients complicit without their knowledge, to manufacture plausible deniability while producing exactly the opposite." substack.com/home/post/p-19…

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Andrew Escobar
Andrew Escobar@andrewe·
@GerhardMack1 @AliExpress_EN I always worry about chargebacks for smaller ticket items. What reputation am I building with Amex or Visa for when a big ticket items goes wrong? And yet, isn’t that the point of using a cc — the safety and coverage?
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Andrew Escobar
Andrew Escobar@andrewe·
@GerhardMack1 I’m also working with those. Way fewer pain points with them. LLM agents can rip through them without issue!
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Gerhard Mack
Gerhard Mack@GerhardMack1·
@andrewe You would be amazed how much backend bank stuff is CSV
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Andrew Escobar
Andrew Escobar@andrewe·
Nothing has challenged me (ok, my agents) more than processing PDF statements from Canada’s largest banks. Modern websites and apps? Yes, arguably. Modern PDF statements? Nope! Scotia, National: PDF 1.2 from 1996, likely mainframe. TD: encryption broken in 1994.
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prinz
prinz@deredleritt3r·
Interestingly, this has second order effects. When these kinds of claims (which previously would never be filed) are paid by insurance companies because people now have access to Claude, insurance companies will wind up raising rates. But that's only the short-term effect. In the long run, policy language will get more precise and there will be more certainty for all parties regarding the scope of coverage. This is actually a huge win for everyone, including because claims will be easier to settle (ultimately leading to LESS costly insurance coverage).
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Nick
Nick@nickcammarata·
had major pipes bursts at a property i have. insurance broker reviewed the policy and was sure it wasn't covered. a few years ago would have stopped there, but put the giant pdfs into claude, said he thinks it's covered and would handle claims process. got payout today wohoo
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Satish Kanwar
Satish Kanwar@skanwar·
Almost half full after week 1. 🇨🇦 - 51% founders & technologists - 17% investors - 14% operators - 10% ecosystem
Toronto Tech Week@TOtechweek

Our official main stage brings together 1,000+ of Canada's top builders from around the world. Featuring @tobi @andrewgordonmac @nickfrosst @lucyhargreaves4 @Sirupsen @MaxBrodeurUrbas @ElainaYallen @EliotPence @mitrymin @Alex_Danco and more. Limited in-person tickets. Request access ➡ luma.com/TTWHomecoming

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Andrew Escobar
Andrew Escobar@andrewe·
@trq212 @zarif_cho iMessage is great for a general purpose agent — I’ve reliably repurposed Apple’s “Messages for Business” as a hack — but ```code blocks``` don’t render as such in Messages app and can’t be easily copied.
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Thariq
Thariq@trq212·
We just released Claude Code channels, which allows you to control your Claude Code session through select MCPs, starting with Telegram and Discord. Use this to message Claude Code directly from your phone.
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Andrew Escobar
Andrew Escobar@andrewe·
@AlsoKnownAs_AA Not arguing the *need* for an agent to have access to telephone, just wondering if hardware is a requirement, or if an MVNO can route over IP.
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Algis Akstinas 📶
Algis Akstinas 📶@AlsoKnownAs_AA·
@andrewe @astrange First probably small business needs. To handle inbound and outbound calls. But also personal... My home insurance renewal, probably could have been solved by an agent with a phone number. Also security and authentication using eSIM is a good application. More secure than 2FA SMS.
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angela strange
angela strange@astrange·
What's the easiest way for an agent to get their own phone number? Google voice (doesn't work w/ What's App), Twilio (have to set up fake business), Actual phone line (very cumbersome or blocked by IT)...
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Andrew Escobar
Andrew Escobar@andrewe·
@AlsoKnownAs_AA @astrange I’m not buying an agent its own Android device just to get a dedicated number though. What would this solve? (What am I missing?)
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Algis Akstinas 📶
Algis Akstinas 📶@AlsoKnownAs_AA·
@astrange Here is the basic idea, product catalog can be hosted in Stripe or Shopify: github.com/dataontap/gorse Voice (+text) means anywhere $2-5 per month month of local, state and federal taxes in the US. Most numbers offers are not real Full MVNOs with their own infrastructure, numbers.
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Andrew Escobar
Andrew Escobar@andrewe·
@ahmednadar Thanks. Shared given my past political experience and current perspective. (Keep building!)
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Ahmed Nadar
Ahmed Nadar@ahmednadar·
Smart thinking on the councillor relationship side. The balance is real, too many emails and they filter, too few and there's no accountability. A periodic summary report is something I'm considering. Right now the immediate notification works because councillors are engaging with it, but as volume grows the approach will evolve. Appreciate the detailed feedback.
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Ahmed Nadar
Ahmed Nadar@ahmednadar·
#Toronto I reported a pothole to the City of Toronto two ways, side by side. Left: solveto.ca. 3 taps. 30 seconds. AI analyzes the photo, writes the report, emails 311 AND my councillor. Right: toronto.ca. 5 pages. 20+ fields. They ask ME to estimate pothole size!! This is 2026. Why are citizens doing data entry? @cityoftoronto @TorontoCouncil @toronto
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Andrew Escobar
Andrew Escobar@andrewe·
Even EQ Bank, the most modern big bank, generating your PDF on-demand in your browser, uses jsPDF 1.5.3 released in 2018. (Yes, I know. “If it’s not broken, don’t fix it.” But its output is somewhat broken.)
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Adam Chambers
Adam Chambers@adamchamb·
Your reminder that the Prime Minister launched his Liberal leadership bid on the Daily Show with Jon Stewart.
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Johnny
Johnny@JohnnyGiunta_·
Just finished the sopranos for the first time ever. What the fuck do I do with my spare time now (also wtf is that ending)
GIF
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Andrew Escobar
Andrew Escobar@andrewe·
The “unlimited* tokens via the Codex app” party has come to an end for me, well before April. * double usage, but token sure felt unlimited, even with just a Pro subscription
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Andrew Escobar
Andrew Escobar@andrewe·
My one bit of feedback is to not email a city councillor. Make them allies of this tool; don’t push them to filter its emails out. Instead, email them — no, use a cron job and fax api — a monthly report about what was reported. Give them the data, a link (large QR code if faxed) to a secure CSV, a way for each councillor’s office to follow up with 311. “These were reported 30+ days ago in my riding. How many of them are resolved?”
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Joshua
Joshua@jrichardsio·
@ahmednadar Yeah agentic would likely be too slow right now. I'll poke around tonight too.
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Ahmed Nadar
Ahmed Nadar@ahmednadar·
Since Toronto city don't have public API. I'm Working on an idea of figuring our how to fill each form dynamically. I made some progress with two services requests, but not sure it is effective for the long run. I believe Toronto City uses sales force -after they killed public API-, what is the best way to deal with it? And how effective is it for the long run?
Ahmed Nadar@ahmednadar

#Toronto I reported a pothole to the City of Toronto two ways, side by side. Left: solveto.ca. 3 taps. 30 seconds. AI analyzes the photo, writes the report, emails 311 AND my councillor. Right: toronto.ca. 5 pages. 20+ fields. They ask ME to estimate pothole size!! This is 2026. Why are citizens doing data entry? @cityoftoronto @TorontoCouncil @toronto

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Andrew Escobar
Andrew Escobar@andrewe·
@raghu_venugopal @22_Minutes It’s a comedy show. This was funny because it had bits of truth about Canadian healthcare generally, not because it was accurate about Canadian emergency rooms specifically.
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