I remember the day my friend shot himself in the head. He got into an argument with his girlfriend at the time, put a gun in his mouth and pulled the trigger. He wasn't a good friend per se, but he was a friend. I liked him, cared about him, and remember always having fun… Continue reading I can’t.
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Much respect to those that ship
I had the extreme pleasure of giving my first college lecture with my partner Jami this year. This was unique for me. I’ve given more college lectures at this point than I received in college so I always take a lot of joy from these interactions. I never found my place in college as a… Continue reading Much respect to those that ship
Same Day ACH in a API
Dwolla just brought Same Day ACH online for our customers and I'm super pleased with how it works. I wrote about this briefly in the past but looking at just how simple it is for people to build into their app just puts a big smile on my face. Existing customers sending money simply designate… Continue reading Same Day ACH in a API
Team
I genuinely like the people I work with. Each one of them has taught me something new and certainly, at times, helped change my perspective. Dwolla has gone through a tremendous number of changes over the past 12 months and we're about to go through one of the more profound changes in our short history.… Continue reading Team
Same Day ACH
Same Day ACH is kind of an obvious stop gap between normal ACH and a future real-time ACH-ish equivalent. I say ACH-ish because I still don't believe that the real-time option is a modified ACH, it's probably something else. Same Day ACH on the other hand is going to be available soon and does a… Continue reading Same Day ACH
Automation we will live to see
// Over the last few months I've been back on a plane quite a bit. Its given me time to do some reading. Specifically, Cybernation, Who owns the future, and But, What if We're Wrong. // You'd be right to expect this has something to do with financial services, but doesn't! A lot of the discussions… Continue reading Automation we will live to see
A real-time dashboard for bank transfers
At the end of last year, Dwolla's white label APIs started to ship and it kicked off a number of projects internally. One of those internal projects was re-thinking the way information is delivered to developers building applications that leverage Dwolla for ACH transfers. The concept for the project was to create an insightful view for developers and their business counterparts. It… Continue reading A real-time dashboard for bank transfers
A perfect memory
I've been talking about this a lot privately lately. Now that we have technology that operates by default in a way where those computers retain a perfect memory that can't be edited, forever, what will we do with it? There is a seemingly endless amount of moral and ethical questions that come from this conversation. There's also typically… Continue reading A perfect memory
Managing bank transfer risk
If you've followed any of my work for the last few years it probably won't come as a surprise to you that I believe real-time payments are going to be responsible for seismic risk reduction in the financial system. Much to my own frustration real-time payments aren't everywhere, yet. So what do we do in… Continue reading Managing bank transfer risk
3 Things I Hope To Leave You With
In 2012, 2013, and 2014, I wrote about hard lessons learned. Many of the hard lessons were memorable because of how devastating each lesson felt at the time. In 2015, I didn't have time to write a post. The adage, "you make time for the things that are important" is true in this case. My annual post fell… Continue reading 3 Things I Hope To Leave You With