charleyma

Very exciting to see more companies open up prod + engineering divisions in NYC - I feel as though typical bay area tech satellite NYC offices are go-to-market focused first before expanding out to prod/eng so interesting to see Gusto go the other way first!

"Most discussions around data defensibility actually boil down to scale effects, a dynamic that fits a looser definition of network effects in which there is no direct interaction between nodes."

Good distinction between scale vs network effects, not every company with scale has a network effect...

This is amazing!!

Love that you all have also pre-seeded itineraries from popular travel blogs - any plans on also bringing in tripadvisor data in?

Has there been any commercial use case for graphene yet?

I feel as though I've been hearing about its potential constantly for many years, but can't recall any commercial use cases yet.

(side note - it also reminds me of the many hours I spent using the scotch tape method and looking at my chip under microscope to try and identify graphene...)

"Ant says it wants to be known not as a financial conglomerate but as a technology provider or “lifestyle platform,” with future profits coming mainly from fees from institutions using its technology."

As fintech companies get larger in China, interesting to see how marketing shifts as being less a disruptor of banks to being a partner, in order to avoid regulatory attention.

Starting to see that in the US too, as more consumer fintech apps are also beginning to converge with each other in regards to product offerings...

Username + password is a huge attack vector, especially for services where users signup and eventually stop using or forget. I wish there was some obligation to reset password or require some form of MFA for applications that experience no usage on my account (especially if the service typically encourages continuous usage)...

Love simple services that do exactly what you would expect

Would also potentially add "voice control" to this list. It's amazing to me that by trying to be "innovative/modern", most car user interface designs have become increasingly user unfriendly.

Case in point, the other day I spent 15 minutes trying to figure out how to connect my phone to a car via bluetooth (I'm still used to there just being a button for pairing).

Ended up having to search online for the instruction manual to figure it out, turns out pairing is only available via voice command when the car is in park ¯\_(ツ)_/¯