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 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
// 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
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 key advantage to developers using Dwolla's white label APIs is that they get their businesses to market faster. There are other advantages to big established businesses but this article has precisely nothing to do with that. Very plainly speaking... Ease of access for developers with a strong market need means more experiments will be built. More… Continue reading Build fintech products, faster.
The Dwolla team has put together some nice case studies about how our technology is being used by our customers. They've done a really nice job pulling together a clear narrative with a beautiful design. GOAT Rent Monitor Sweep These and a list of other case studies can be found at https://www.dwolla.com/case-studies/.
Life is full of weird and fleeting experiences. Most of which will be forgotten because the memory isn't important enough to be called upon. It's unfortunate, yet true, that most of life is comprised of things that may influence you but are mostly forgettable because the experience is insignificant and truly unimportant. Thankfully, there are also… Continue reading Sacred Moments
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
I served with a board member a few years back who said something that I'm reminded of on a regular basis. Never underestimate the power of the default setting. What he meant by that wasn't always user-centric. At least I don't think so. This is an interesting statement when put into the context of how powerful… Continue reading The Power of Default
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