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Joined 1 year ago
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Cake day: March 2nd, 2025

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  • Most other countries don’t have to rely on the antiquated network the US uses for resolving those bank to bank transactions. In South korea, Street vendors have what looks like a phone number posted on signage around their Wares or snacks and people just make effectively debit pushes from their bank to the merchant’s bank in real time with zero margins.

    I kind of expect this is how the rest of the world operates and it’s only the us then sits on using its own infrastructure which it made one time, in the 1960s, and has refused to move off of since. This created a lot of the market need for a bunch of private companies to make their own little piggybacking solutions like venmo, zelle, square cash, and all the others.

    Too be fair, a lot of major businesses in the US now just exist as financialization institutions extending debt to their large-scale clientele, under the guise of being manufacturing or data services. Like GM. Or Oracle.















  • Programmer buddy of mine was telling me their theory that AI is the last hurrah of Big Tech and Venture Capital, shifting a patient that has been in place since most of us were children.

    Even after the Dot Bomb area is the 2000’s, FinTech taking it in the chin in the 2008 global financial crisis, three meaningful Crypto rises and falls, and now AI, there’s always been some new for train to institute and sell to the retail investor and the general public.

    The beleaguered finances of middle classes pretty much everywhere, hand in hand with the deleted brain trusts from AI making us really dumb and unconfident (or falsely confident), convinced with the lack of new productivity borne from these last few market cycles (AI and Crypto not actually doing much for the majority of humans commensurate with the hype) results in a possible chance for actual market accountability and seeing only genuine market growth.

    I think that megacrash and the world waking up to the marketing machine is considerably less likely, but agree with them (given their best experience in FinTech) that it might meaningfully end our collective beliefs that Silicon Valley can steer everyone towards brighter shores.


  • I just need a search engine the will also give calculator and unit conversation results. Everything else sounds be search results.

    At this point, it’s been too many years that I will just query “76 f in c” or “2500*12/3” from my url bar, so this I appreciate the most modest “intelligence” from my web browser.

    Literally everything else makes my experience worse, though.

    So I’m taking recommendations for more search engines to try out. I don’t know why I start page bothers me so much, but it feels like the results my ISP would give me through DNS capture a decade and two ago.