WEBVTT

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<00:00:11.280>Hello, <00:00:11.435>and <00:00:11.591>welcome <00:00:11.746>to <00:00:11.902>another <00:00:12.057>episode <00:00:12.213>of <00:00:12.368>Coffee <00:00:12.524>with <00:00:12.680>Developers.

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<00:00:15.315>Today, <00:00:15.594>our <00:00:15.875>guest <00:00:16.155>is <00:00:16.435>David <00:00:16.715>Singleton.

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<00:00:17.795>David <00:00:18.028>is <00:00:18.261>Chief <00:00:18.495>Technology <00:00:18.728>Officer <00:00:18.961>at <00:00:19.195>Stripe.

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<00:00:21.235>We <00:00:21.317>will <00:00:21.399>discuss <00:00:21.482>with <00:00:21.564>him <00:00:21.646>what <00:00:21.729>it <00:00:21.811>means <00:00:21.893>to <00:00:21.976>be <00:00:22.058>a <00:00:22.140>CTO <00:00:22.223>at <00:00:22.305>a <00:00:22.387>company <00:00:22.470>with <00:00:22.552>7,000 <00:00:22.634>employees,

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<00:00:27.850>the <00:00:27.966>challenges <00:00:28.083>that <00:00:28.200>come <00:00:28.316>with <00:00:28.433>growing <00:00:28.550>and <00:00:28.666>scaling <00:00:28.783>the <00:00:28.900>company <00:00:29.016>and <00:00:29.133>engineering <00:00:29.250>teams,

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<00:00:33.850>and <00:00:34.083>the <00:00:34.316>opening <00:00:34.550>of <00:00:34.783>the <00:00:35.016>recent <00:00:35.250>offices.

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So

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<00:00:38.010>welcome, <00:00:38.165>David. <00:00:38.321>It's <00:00:38.476>truly <00:00:38.632>a <00:00:38.787>pleasure <00:00:38.943>to <00:00:39.098>have <00:00:39.254>you <00:00:39.410>here.

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<00:00:42.395>Thomas, <00:00:42.502>it's <00:00:42.610>it's <00:00:42.718>great <00:00:42.825>to <00:00:42.933>be <00:00:43.041>here. <00:00:43.148>I'm <00:00:43.256>really <00:00:43.364>looking <00:00:43.471>forward <00:00:43.579>to <00:00:43.687>this <00:00:43.795>conversation.

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<00:00:47.275>So, <00:00:48.067>David,

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<00:00:48.715>you're <00:00:48.822>in <00:00:48.930>San <00:00:49.038>Francisco <00:00:49.145>right <00:00:49.253>now, <00:00:49.361>so <00:00:49.468>it's, <00:00:49.576>I <00:00:49.684>think, <00:00:49.791>9AM <00:00:49.899>or <00:00:50.007>something. <00:00:50.115>Right.

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<00:00:53.115>So <00:00:53.222>because <00:00:53.330>this <00:00:53.438>is <00:00:53.545>Coffee <00:00:53.653>with <00:00:53.761>Developers, <00:00:53.868>so <00:00:53.976>how <00:00:54.084>do <00:00:54.191>you <00:00:54.299>like <00:00:54.407>your <00:00:54.515>coffee?

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<00:00:57.400>I <00:00:57.516>like <00:00:57.633>black <00:00:57.750>Americano, <00:00:57.866>and <00:00:57.983>I <00:00:58.100>I <00:00:58.216>like <00:00:58.333>to <00:00:58.449>make <00:00:58.566>it <00:00:58.683>myself <00:00:58.800>actually.

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<00:01:01.880>More <00:01:01.962>than <00:01:02.044>a <00:01:02.127>decade <00:01:02.209>ago, <00:01:02.291>I <00:01:02.374>I <00:01:02.456>took <00:01:02.538>some <00:01:02.621>barista <00:01:02.703>training, <00:01:02.785>and <00:01:02.868>so <00:01:02.950>I'm <00:01:03.032>I'm <00:01:03.115>really <00:01:03.197>into, <00:01:03.280>making

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<00:01:06.920>it <00:01:07.226>exactly <00:01:07.532>the <00:01:07.838>right <00:01:08.144>way.

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<00:01:08.760>So, <00:01:08.847>yeah, <00:01:08.935>that's <00:01:09.022>that's <00:01:09.110>what <00:01:09.197>I <00:01:09.285>like <00:01:09.372>for <00:01:09.460>coffee. <00:01:09.547>That's <00:01:09.635>nice. <00:01:09.722>I <00:01:09.810>also <00:01:09.897>have <00:01:09.985>this <00:01:10.072>kind <00:01:10.160>of

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<00:01:12.865>routine. <00:01:13.039>I <00:01:13.214>I <00:01:13.390>brew <00:01:13.565>my <00:01:13.740>coffee, <00:01:13.914>like <00:01:14.089>filter <00:01:14.265>coffee.

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<00:01:16.305>I <00:01:16.392>really <00:01:16.480>enjoyed <00:01:16.567>when <00:01:16.655>I <00:01:16.742>was <00:01:16.830>in <00:01:16.917>San <00:01:17.005>Francisco, <00:01:17.092>I <00:01:17.180>always <00:01:17.267>went <00:01:17.355>to <00:01:17.442>Blue <00:01:17.530>Bottle <00:01:17.617>Coffee, <00:01:17.705>I

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<00:01:20.945>think. <00:01:21.052>Very <00:01:21.160>nice. <00:01:21.268>Yeah. <00:01:21.375>Which <00:01:21.483>was <00:01:21.591>a <00:01:21.698>nice <00:01:21.806>place. <00:01:21.914>Definitely <00:01:22.021>a <00:01:22.129>San <00:01:22.237>Francisco <00:01:22.345>icon.

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<00:01:26.900>Yeah. <00:01:27.100>Yeah. <00:01:27.300>And, <00:01:27.500>actually, <00:01:27.700>the <00:01:27.900>name <00:01:28.100>is <00:01:28.300>Viennese.

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<00:01:29.940>It <00:01:30.372>was

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<00:01:31.380>the <00:01:31.580>first <00:01:31.780>Viennese <00:01:31.979>coffee <00:01:32.179>shop <00:01:32.380>was <00:01:32.580>called, <00:01:32.780>I

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<00:01:35.460>think. <00:01:35.868>So <00:01:36.276>it's <00:01:36.684>it's

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<00:01:36.979>so <00:01:37.303>we <00:01:37.628>have <00:01:37.952>this <00:01:38.276>connection.

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Wonderful.

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<00:01:39.854>It's <00:01:40.204>been <00:01:40.554>these <00:01:40.904>connections <00:01:41.255>everywhere.

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So

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<00:01:44.175>so <00:01:44.408>to <00:01:44.641>kick <00:01:44.875>it <00:01:45.108>off, <00:01:45.341>I <00:01:45.575>think,

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<00:01:48.414>let's <00:01:48.615>dive <00:01:48.815>first <00:01:49.014>into <00:01:49.214>your <00:01:49.414>personal <00:01:49.615>career. <00:01:49.815>So,

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<00:01:52.255>what's <00:01:52.362>your <00:01:52.470>background <00:01:52.578>and <00:01:52.685>what <00:01:52.793>was <00:01:52.901>your <00:01:53.008>journey <00:01:53.116>to <00:01:53.224>become <00:01:53.331>a <00:01:53.439>CTO <00:01:53.547>at <00:01:53.655>Stripe?

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<00:01:58.130>Yeah. <00:01:58.223>Well, <00:01:58.316>I <00:01:58.410>am <00:01:58.503>a <00:01:58.596>software <00:01:58.690>engineer, <00:01:58.783>by <00:01:58.876>background. <00:01:58.970>I <00:01:59.063>started <00:01:59.156>coding <00:01:59.250>actually <00:01:59.343>as <00:01:59.436>a <00:01:59.530>kid.

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My

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<00:02:05.730>parents <00:02:05.870>ran <00:02:06.010>a <00:02:06.150>small <00:02:06.290>business <00:02:06.430>from <00:02:06.570>home. <00:02:06.710>It <00:02:06.850>was <00:02:06.990>a <00:02:07.130>consultancy.

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<00:02:09.345>And <00:02:09.438>so <00:02:09.531>a <00:02:09.625>computer <00:02:09.718>entered <00:02:09.811>our <00:02:09.905>home <00:02:09.998>for <00:02:10.091>their <00:02:10.185>business. <00:02:10.278>This <00:02:10.371>was <00:02:10.465>in <00:02:10.558>the <00:02:10.651>late <00:02:10.745>eighties.

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<00:02:15.025>And <00:02:15.125>actually <00:02:15.225>when <00:02:15.325>the <00:02:15.425>computer <00:02:15.525>arrived, <00:02:15.625>I <00:02:15.725>think <00:02:15.825>my <00:02:15.925>parents <00:02:16.025>knew <00:02:16.125>that <00:02:16.225>like <00:02:16.325>real <00:02:16.425>businesses

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<00:02:18.465>had <00:02:18.547>computers, <00:02:18.629>but <00:02:18.712>they <00:02:18.794>didn't <00:02:18.876>really <00:02:18.959>know <00:02:19.041>what <00:02:19.123>to <00:02:19.206>do <00:02:19.288>with <00:02:19.370>it. <00:02:19.453>So <00:02:19.535>I <00:02:19.617>remember <00:02:19.700>my <00:02:19.782>dad <00:02:19.865>said

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<00:02:21.745>to <00:02:21.827>me, <00:02:21.909>David, <00:02:21.992>can <00:02:22.074>you <00:02:22.156>like <00:02:22.239>get <00:02:22.321>the <00:02:22.403>computer <00:02:22.486>to <00:02:22.568>do <00:02:22.650>business <00:02:22.733>stuff? <00:02:22.815>And <00:02:22.897>I <00:02:22.980>asked <00:02:23.062>him <00:02:23.145>like,

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<00:02:25.690>what's <00:02:25.923>the <00:02:26.156>biggest <00:02:26.390>problem <00:02:26.623>in <00:02:26.856>your <00:02:27.090>business?

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<00:02:27.930>And <00:02:28.037>he <00:02:28.145>said, <00:02:28.253>well, <00:02:28.360>actually <00:02:28.468>our <00:02:28.576>invoicing <00:02:28.683>system <00:02:28.791>is <00:02:28.899>just, <00:02:29.006>we <00:02:29.114>don't <00:02:29.222>have <00:02:29.330>one.

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<00:02:32.170>And <00:02:32.247>so, <00:02:32.325>I, <00:02:32.403>the <00:02:32.481>first <00:02:32.558>thing <00:02:32.636>I <00:02:32.714>did <00:02:32.792>was <00:02:32.870>taught <00:02:32.947>myself <00:02:33.025>to <00:02:33.103>code. <00:02:33.181>And <00:02:33.258>then, <00:02:33.336>one <00:02:33.414>of <00:02:33.492>the <00:02:33.570>first

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<00:02:37.925>programs <00:02:38.018>I <00:02:38.111>wrote, <00:02:38.205>was <00:02:38.298>an <00:02:38.391>invoicing <00:02:38.485>system <00:02:38.578>for <00:02:38.671>my <00:02:38.765>parents' <00:02:38.858>business. <00:02:38.951>I <00:02:39.045>think <00:02:39.138>a <00:02:39.231>lot <00:02:39.325>of

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<00:02:42.165>kids <00:02:42.265>back <00:02:42.364>then <00:02:42.465>were <00:02:42.565>like <00:02:42.665>learning <00:02:42.765>to <00:02:42.864>code <00:02:42.965>and <00:02:43.065>building <00:02:43.165>computer <00:02:43.265>games. <00:02:43.364>I <00:02:43.465>went <00:02:43.565>directly

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<00:02:46.405>into <00:02:47.341>enterprise

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software.

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That

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<00:02:49.890>That <00:02:50.029>was <00:02:50.170>a <00:02:50.309>lot <00:02:50.450>of <00:02:50.589>fun <00:02:50.730>actually. <00:02:50.869>And <00:02:51.010>and <00:02:51.149>actually <00:02:51.290>really,

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<00:02:53.170>I <00:02:53.263>obviously <00:02:53.356>was <00:02:53.450>just <00:02:53.543>kind <00:02:53.636>of <00:02:53.730>muddling <00:02:53.823>along <00:02:53.916>and <00:02:54.010>finding <00:02:54.103>my <00:02:54.196>way, <00:02:54.290>but <00:02:54.383>I <00:02:54.476>actually <00:02:54.570>realized

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<00:02:57.410>quite <00:02:57.760>early <00:02:58.109>on <00:02:58.460>that <00:02:58.810>software

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<00:02:59.410>had <00:02:59.510>this <00:02:59.609>real <00:02:59.710>ability <00:02:59.810>to <00:02:59.910>help <00:03:00.010>people. <00:03:00.109>Because <00:03:00.210>before <00:03:00.310>we <00:03:00.410>built <00:03:00.510>that <00:03:00.609>system, <00:03:00.710>my <00:03:00.810>parents

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<00:03:04.615>used <00:03:04.755>to <00:03:04.895>do <00:03:05.035>the <00:03:05.175>invoices <00:03:05.315>for <00:03:05.455>their <00:03:05.595>business <00:03:05.735>on <00:03:05.875>a <00:03:06.015>typewriter,

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<00:03:08.295>and <00:03:08.382>then <00:03:08.470>they <00:03:08.557>used <00:03:08.644>to <00:03:08.732>tabulate <00:03:08.820>everything <00:03:08.907>literally <00:03:08.994>in <00:03:09.082>a <00:03:09.170>book, <00:03:09.257>like <00:03:09.345>a <00:03:09.432>big <00:03:09.519>book <00:03:09.607>with <00:03:09.695>a

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<00:03:12.135>pen <00:03:12.603>and <00:03:13.071>paper.

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<00:03:13.975>And <00:03:14.075>I <00:03:14.174>never <00:03:14.275>really <00:03:14.375>understood <00:03:14.475>this, <00:03:14.575>but <00:03:14.674>every <00:03:14.775>quarter, <00:03:14.875>like <00:03:14.975>every <00:03:15.075>three <00:03:15.174>months, <00:03:15.275>my <00:03:15.375>sister

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<00:03:18.750>and <00:03:18.832>I <00:03:18.914>would <00:03:18.997>notice <00:03:19.079>that <00:03:19.161>my <00:03:19.244>parents <00:03:19.326>would <00:03:19.408>be <00:03:19.491>kind <00:03:19.573>of <00:03:19.655>a <00:03:19.738>little <00:03:19.820>bit <00:03:19.902>more <00:03:19.985>grumpy <00:03:20.067>than <00:03:20.150>usual.

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<00:03:21.950>It <00:03:22.037>turned <00:03:22.125>out <00:03:22.212>that <00:03:22.299>was <00:03:22.387>because <00:03:22.475>every <00:03:22.562>three <00:03:22.649>months <00:03:22.737>they <00:03:22.825>had <00:03:22.912>to <00:03:23.000>stay <00:03:23.087>up <00:03:23.174>really <00:03:23.262>late <00:03:23.350>at

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<00:03:25.070>night <00:03:25.245>going <00:03:25.420>back <00:03:25.595>through <00:03:25.769>that <00:03:25.945>book <00:03:26.120>with <00:03:26.295>a <00:03:26.470>calculator

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<00:03:28.030>and <00:03:28.137>putting <00:03:28.245>together <00:03:28.353>all <00:03:28.460>the <00:03:28.568>accounts <00:03:28.676>they <00:03:28.783>would <00:03:28.891>send <00:03:28.999>off <00:03:29.106>to <00:03:29.214>the <00:03:29.322>account <00:03:29.430>accountants

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<00:03:31.390>to <00:03:31.506>file <00:03:31.623>their <00:03:31.739>tax <00:03:31.856>returns. <00:03:31.973>And <00:03:32.089>then <00:03:32.206>once <00:03:32.323>we <00:03:32.440>built <00:03:32.556>the <00:03:32.673>invoicing <00:03:32.790>software,

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<00:03:35.595>they <00:03:35.695>could <00:03:35.795>push <00:03:35.895>a <00:03:35.995>button <00:03:36.095>and <00:03:36.195>literally <00:03:36.295>that <00:03:36.395>would <00:03:36.495>just <00:03:36.595>come <00:03:36.695>out <00:03:36.795>of <00:03:36.895>the <00:03:36.995>printer.

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<00:03:39.115>And <00:03:39.202>that <00:03:39.290>gave <00:03:39.377>me <00:03:39.465>a <00:03:39.552>real <00:03:39.640>passion <00:03:39.727>for, <00:03:39.815>oh, <00:03:39.902>you <00:03:39.990>can <00:03:40.077>build <00:03:40.165>stuff <00:03:40.252>with <00:03:40.340>software <00:03:40.427>that <00:03:40.515>really

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<00:03:43.275>helps <00:03:44.355>improve

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people's

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<00:03:46.075>experiences <00:03:46.182>of <00:03:46.290>their <00:03:46.398>life <00:03:46.505>and <00:03:46.613>their <00:03:46.721>work. <00:03:46.828>And <00:03:46.936>from <00:03:47.044>there <00:03:47.151>I <00:03:47.259>went <00:03:47.367>into <00:03:47.475>computer

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<00:03:50.170>science <00:03:50.854>later <00:03:51.538>on.

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<00:03:52.010>Also, <00:03:52.149>should <00:03:52.290>say <00:03:52.429>my <00:03:52.570>dad <00:03:52.709>was <00:03:52.850>a <00:03:52.989>very <00:03:53.130>exacting <00:03:53.269>first <00:03:53.410>client.

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<00:03:56.490>So <00:03:57.890>I

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<00:03:58.410>had <00:03:58.503>these <00:03:58.596>like <00:03:58.690>invoices <00:03:58.783>that <00:03:58.876>would <00:03:58.970>come <00:03:59.063>out. <00:03:59.156>He <00:03:59.250>cared <00:03:59.343>a <00:03:59.436>lot <00:03:59.530>about <00:03:59.623>the <00:03:59.716>exact <00:03:59.810>typography

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<00:04:03.485>and <00:04:03.567>where <00:04:03.649>all <00:04:03.732>of <00:04:03.814>the <00:04:03.896>words <00:04:03.979>and <00:04:04.061>so <00:04:04.143>forth <00:04:04.226>were <00:04:04.308>aligned <00:04:04.390>on <00:04:04.473>the <00:04:04.555>page. <00:04:04.637>And <00:04:04.720>that <00:04:04.802>taught <00:04:04.885>me

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<00:04:07.165>as <00:04:07.777>well <00:04:08.389>just

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<00:04:08.525>caring <00:04:08.612>about <00:04:08.700>the <00:04:08.787>craft <00:04:08.875>of <00:04:08.962>getting <00:04:09.050>something <00:04:09.137>right, <00:04:09.225>which <00:04:09.312>was <00:04:09.400>a <00:04:09.487>lot <00:04:09.575>of <00:04:09.662>fun. <00:04:09.750>So <00:04:09.837>fast <00:04:09.925>forward

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<00:04:12.845>to <00:04:13.205>today,

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<00:04:15.350>I <00:04:15.437>spent <00:04:15.525>many <00:04:15.612>years <00:04:15.700>at <00:04:15.787>Google, <00:04:15.875>where <00:04:15.962>I <00:04:16.050>learned <00:04:16.137>a <00:04:16.225>lot. <00:04:16.312>I <00:04:16.399>joined <00:04:16.487>their <00:04:16.575>team <00:04:16.662>in <00:04:16.750>London

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<00:04:21.350>and <00:04:21.692>then <00:04:22.034>moved <00:04:22.376>to <00:04:22.718>California.

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<00:04:23.590>But <00:04:23.940>a <00:04:24.289>real <00:04:24.640>passion <00:04:24.989>for

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<00:04:25.750>building <00:04:26.100>stuff <00:04:26.450>for <00:04:26.800>businesses <00:04:27.150>eventually

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<00:04:27.990>brought <00:04:28.106>me <00:04:28.223>to <00:04:28.340>Stripe. <00:04:28.456>And <00:04:28.573>I've <00:04:28.690>been <00:04:28.806>here <00:04:28.923>for <00:04:29.040>the <00:04:29.156>last <00:04:29.273>six <00:04:29.390>years,

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<00:04:32.195>and <00:04:32.428>it's <00:04:32.661>been <00:04:32.895>really <00:04:33.128>fun. <00:04:33.361>I <00:04:33.594>think

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<00:04:35.075>Stripe <00:04:35.275>is <00:04:35.474>a <00:04:35.675>wonderful <00:04:35.875>place <00:04:36.075>to <00:04:36.275>work <00:04:36.474>because

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<00:04:37.555>we're <00:04:37.662>doing <00:04:37.770>something <00:04:37.878>really <00:04:37.985>important <00:04:38.093>in <00:04:38.201>the <00:04:38.308>world. <00:04:38.416>We're <00:04:38.524>literally, <00:04:38.631>you <00:04:38.739>know, <00:04:38.847>we <00:04:38.955>build

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<00:04:41.315>a <00:04:41.819>financial <00:04:42.323>platform

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<00:04:43.020>for <00:04:43.219>Internet <00:04:43.419>and <00:04:43.620>increasingly <00:04:43.820>Internet <00:04:44.020>and <00:04:44.219>offline <00:04:44.419>businesses.

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<00:04:46.220>And <00:04:46.320>in <00:04:46.420>a <00:04:46.520>very <00:04:46.620>meaningful <00:04:46.720>way, <00:04:46.820>we're <00:04:46.920>helping <00:04:47.020>businesses <00:04:47.120>get <00:04:47.220>started <00:04:47.320>that <00:04:47.420>would <00:04:47.520>not <00:04:47.620>otherwise

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<00:04:50.140>get <00:04:50.240>started. <00:04:50.340>Then <00:04:50.440>we're <00:04:50.539>helping <00:04:50.640>all <00:04:50.740>of <00:04:50.840>them <00:04:50.940>and <00:04:51.039>many, <00:04:51.140>many <00:04:51.240>more, <00:04:51.340>millions <00:04:51.440>more, <00:04:51.539>grow

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<00:04:54.940>in <00:04:55.282>ways <00:04:55.623>that <00:04:55.966>they <00:04:56.308>otherwise

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<00:04:56.635>either <00:04:56.722>wouldn't <00:04:56.810>be <00:04:56.897>able <00:04:56.985>to <00:04:57.072>or <00:04:57.159>would <00:04:57.247>have <00:04:57.335>to <00:04:57.422>put <00:04:57.510>a <00:04:57.597>lot <00:04:57.685>more <00:04:57.772>of <00:04:57.860>their <00:04:57.947>resources <00:04:58.034>into.

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<00:05:00.395>So <00:05:00.482>that <00:05:00.570>same <00:05:00.657>kind <00:05:00.745>of <00:05:00.832>leverage <00:05:00.919>that <00:05:01.007>I <00:05:01.094>felt <00:05:01.182>in <00:05:01.270>my <00:05:01.357>parents' <00:05:01.445>business <00:05:01.532>from <00:05:01.620>building <00:05:01.707>the <00:05:01.794>invoicing

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<00:05:04.075>software, <00:05:04.162>I <00:05:04.250>feel <00:05:04.337>like <00:05:04.425>we <00:05:04.512>get <00:05:04.599>to <00:05:04.687>bring <00:05:04.775>to <00:05:04.862>millions <00:05:04.950>of <00:05:05.037>businesses <00:05:05.125>around <00:05:05.212>the <00:05:05.300>world <00:05:05.387>at <00:05:05.474>Stripe

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<00:05:08.930>every <00:05:09.017>day. <00:05:09.105>And <00:05:09.192>then <00:05:09.280>also, <00:05:09.367>we've <00:05:09.455>worked <00:05:09.542>hard <00:05:09.630>over <00:05:09.717>the <00:05:09.805>years <00:05:09.892>to <00:05:09.980>build <00:05:10.067>a <00:05:10.155>really <00:05:10.242>great <00:05:10.330>team

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<00:05:14.770>at <00:05:14.857>Stripe. <00:05:14.945>And <00:05:15.032>I <00:05:15.120>think <00:05:15.207>it's <00:05:15.294>a <00:05:15.382>place <00:05:15.469>where <00:05:15.557>we're <00:05:15.645>we're <00:05:15.732>jammed <00:05:15.820>full <00:05:15.907>of <00:05:15.995>builders <00:05:16.082>who <00:05:16.169>care

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<00:05:19.330>a <00:05:19.423>lot <00:05:19.516>about <00:05:19.609>being <00:05:19.703>meticulous <00:05:19.796>in <00:05:19.890>their <00:05:19.983>craft <00:05:20.076>as <00:05:20.169>we <00:05:20.263>serve <00:05:20.356>all <00:05:20.450>these <00:05:20.543>businesses. <00:05:20.636>And <00:05:20.729>so

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<00:05:23.775>it's <00:05:23.882>a <00:05:23.990>place <00:05:24.098>where <00:05:24.205>I've <00:05:24.313>learned <00:05:24.421>a <00:05:24.528>lot, <00:05:24.636>and <00:05:24.744>I <00:05:24.851>think <00:05:24.959>everyone <00:05:25.067>joining <00:05:25.174>Stripe

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<00:05:27.775>can <00:05:28.054>learn <00:05:28.335>a <00:05:28.614>tremendous <00:05:28.895>amount <00:05:29.174>here.

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<00:05:30.175>And <00:05:30.262>we <00:05:30.350>care <00:05:30.437>a <00:05:30.525>lot <00:05:30.612>about <00:05:30.700>really <00:05:30.787>honing <00:05:30.875>our <00:05:30.962>craft <00:05:31.050>and <00:05:31.137>continuing <00:05:31.225>to <00:05:31.312>do <00:05:31.400>that <00:05:31.487>at <00:05:31.575>scale.

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<00:05:35.460>Nice. <00:05:35.576>Nice. <00:05:35.693>That's <00:05:35.810>very <00:05:35.926>that's <00:05:36.043>very <00:05:36.159>interesting. <00:05:36.276>So, <00:05:36.393>basically, <00:05:36.510>you <00:05:36.626>started <00:05:36.743>very <00:05:36.859>early

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<00:05:40.180>in <00:05:40.972>the

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economic

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<00:05:42.260>infrastructure <00:05:42.610>space <00:05:42.960>for <00:05:43.310>your <00:05:43.659>parents.

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<00:05:45.060>Yeah. <00:05:45.235>I <00:05:45.410>give <00:05:45.585>them <00:05:45.760>a <00:05:45.935>little <00:05:46.110>tour <00:05:46.285>through <00:05:46.460>mobile.

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<00:05:48.295>Yeah. <00:05:48.435>Yeah. <00:05:48.575>But <00:05:48.715>yeah. <00:05:48.855>Fine. <00:05:48.995>Back <00:05:49.135>in <00:05:49.275>the <00:05:49.415>economic <00:05:49.555>infrastructure <00:05:49.695>space.

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<00:05:52.695>Oh, <00:05:53.045>that's <00:05:53.395>that's <00:05:53.745>really <00:05:54.094>nice.

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<00:05:55.255>So <00:05:55.348>I <00:05:55.441>remember, <00:05:55.534>like, <00:05:55.628>I <00:05:55.721>think <00:05:55.815>almost <00:05:55.908>exactly <00:05:56.001>three <00:05:56.094>months <00:05:56.188>ago, <00:05:56.281>we <00:05:56.375>were <00:05:56.468>sitting <00:05:56.561>on <00:05:56.655>stage,

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<00:06:00.295>like, <00:06:00.402>at <00:06:00.510>the <00:06:00.618>WeAreDevelopers <00:06:00.725>World <00:06:00.833>Congress. <00:06:00.941>Thank <00:06:01.048>you <00:06:01.156>again <00:06:01.264>for <00:06:01.371>joining <00:06:01.479>us <00:06:01.587>there. <00:06:01.695>It

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<00:06:04.300>was <00:06:04.570>really <00:06:04.840>a <00:06:05.110>pleasure. <00:06:05.380>And

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<00:06:07.260>aside <00:06:07.610>other <00:06:07.960>things, <00:06:08.310>you <00:06:08.659>mentioned

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<00:06:10.220>Stripe's <00:06:10.375>expansion <00:06:10.531>plans, <00:06:10.686>also <00:06:10.842>that <00:06:10.997>you <00:06:11.153>are <00:06:11.308>expanding <00:06:11.464>in <00:06:11.620>Europe.

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<00:06:15.195>And <00:06:15.545>now <00:06:15.895>three <00:06:16.245>months <00:06:16.594>later,

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<00:06:17.515>you <00:06:17.597>just <00:06:17.679>announced <00:06:17.762>the <00:06:17.844>opening <00:06:17.926>of <00:06:18.009>a <00:06:18.091>of <00:06:18.173>a <00:06:18.256>new <00:06:18.338>office <00:06:18.420>in <00:06:18.503>Bucharest <00:06:18.585>in <00:06:18.667>the <00:06:18.750>capital <00:06:18.832>of <00:06:18.914>Romania

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<00:06:23.355>in <00:06:23.437>the <00:06:23.519>in <00:06:23.602>the <00:06:23.684>EU. <00:06:23.766>So <00:06:23.849>so <00:06:23.931>how <00:06:24.013>was <00:06:24.096>the <00:06:24.178>last <00:06:24.260>three <00:06:24.343>months? <00:06:24.425>How <00:06:24.507>how <00:06:24.590>did <00:06:24.672>it <00:06:24.755>pan

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<00:06:29.435>out? <00:06:29.535>Yeah. <00:06:29.635>Well, <00:06:29.735>last <00:06:29.835>three <00:06:29.935>months <00:06:30.035>has <00:06:30.135>been <00:06:30.235>great, <00:06:30.335>and <00:06:30.435>thank <00:06:30.535>you <00:06:30.635>for <00:06:30.735>that <00:06:30.835>conversation

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<00:06:33.730>we <00:06:33.870>had <00:06:34.010>in <00:06:34.150>Berlin. <00:06:34.290>It <00:06:34.430>was <00:06:34.570>a <00:06:34.710>lot <00:06:34.850>of <00:06:34.990>fun <00:06:35.130>too.

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<00:06:36.690>We're <00:06:36.777>growing <00:06:36.865>very <00:06:36.952>rapidly <00:06:37.040>as <00:06:37.127>a <00:06:37.215>business, <00:06:37.302>and <00:06:37.390>we <00:06:37.477>are <00:06:37.565>a <00:06:37.652>global <00:06:37.740>company. <00:06:37.827>So <00:06:37.915>we <00:06:38.002>got <00:06:38.090>started

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<00:06:42.050>in <00:06:42.166>San <00:06:42.283>Francisco <00:06:42.400>Bay <00:06:42.516>Area, <00:06:42.633>but <00:06:42.750>we're <00:06:42.866>actually <00:06:42.983>dual <00:06:43.100>headquartered <00:06:43.216>between <00:06:43.333>San <00:06:43.450>Francisco

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<00:06:46.695>and <00:06:47.343>Dublin, <00:06:47.991>Ireland.

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<00:06:48.775>And <00:06:48.868>we <00:06:48.961>also <00:06:49.054>have <00:06:49.148>a <00:06:49.241>presence <00:06:49.335>in <00:06:49.428>many <00:06:49.521>different <00:06:49.614>countries <00:06:49.708>around <00:06:49.801>the <00:06:49.895>world. <00:06:49.988>And <00:06:50.081>when <00:06:50.174>I

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<00:06:52.215>say <00:06:52.331>presence, <00:06:52.448>mean <00:06:52.565>all <00:06:52.681>functions <00:06:52.798>of <00:06:52.915>Stripe, <00:06:53.031>including <00:06:53.148>our <00:06:53.265>product <00:06:53.381>development <00:06:53.498>team. <00:06:53.615>And

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<00:06:55.870>that's <00:06:55.986>actually <00:06:56.103>very <00:06:56.220>deliberate <00:06:56.336>because <00:06:56.453>if <00:06:56.570>you <00:06:56.686>think <00:06:56.803>about <00:06:56.920>we're <00:06:57.036>building <00:06:57.153>financial <00:06:57.270>platforms.

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<00:07:00.190>So <00:07:00.478>if <00:07:00.766>you <00:07:01.054>think <00:07:01.342>about

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the

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<00:07:02.590>way <00:07:02.683>that <00:07:02.776>people <00:07:02.869>do <00:07:02.963>business <00:07:03.056>and <00:07:03.150>like <00:07:03.243>to <00:07:03.336>pay <00:07:03.429>all <00:07:03.523>around <00:07:03.616>the <00:07:03.710>world, <00:07:03.803>it's <00:07:03.896>actually <00:07:03.989>remarkably

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<00:07:07.870>cultural <00:07:08.570>and <00:07:09.270>remarkably

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local.

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<00:07:11.215>As <00:07:11.302>an <00:07:11.390>example <00:07:11.477>of <00:07:11.565>that, <00:07:11.652>for <00:07:11.739>instance, <00:07:11.827>in <00:07:11.914>The <00:07:12.002>US, <00:07:12.090>people <00:07:12.177>still <00:07:12.265>mostly <00:07:12.352>prefer <00:07:12.440>to <00:07:12.527>use <00:07:12.614>credit

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cards.

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<00:07:17.695>But <00:07:17.782>if <00:07:17.870>you <00:07:17.957>go <00:07:18.045>to <00:07:18.132>a <00:07:18.219>country <00:07:18.307>like <00:07:18.395>Sweden, <00:07:18.482>Swish <00:07:18.570>has <00:07:18.657>just <00:07:18.745>emerged <00:07:18.832>over <00:07:18.920>the <00:07:19.007>last <00:07:19.094>eighteen

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<00:07:22.415>months <00:07:22.542>as <00:07:22.669>now <00:07:22.796>kind <00:07:22.924>of <00:07:23.051>one <00:07:23.178>of <00:07:23.305>the <00:07:23.433>most <00:07:23.560>popular <00:07:23.687>payment <00:07:23.815>methods.

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<00:07:25.780>If <00:07:25.880>you're <00:07:25.979>in <00:07:26.080>The <00:07:26.179>Netherlands, <00:07:26.280>you <00:07:26.380>probably <00:07:26.479>are <00:07:26.580>more <00:07:26.679>used <00:07:26.780>to <00:07:26.880>paying <00:07:26.979>with <00:07:27.080>Ideal <00:07:27.179>online

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<00:07:30.580>than <00:07:30.667>you <00:07:30.755>are <00:07:30.842>with <00:07:30.930>a <00:07:31.017>credit <00:07:31.104>card. <00:07:31.192>That's <00:07:31.280>a <00:07:31.367>kind <00:07:31.455>of <00:07:31.542>bank <00:07:31.630>based <00:07:31.717>system <00:07:31.805>that <00:07:31.892>the <00:07:31.979>government

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<00:07:34.020>sponsors <00:07:34.120>there, <00:07:34.219>and <00:07:34.320>so <00:07:34.419>on <00:07:34.520>and <00:07:34.620>so <00:07:34.719>forth <00:07:34.820>around <00:07:34.919>the <00:07:35.020>world. <00:07:35.120>But <00:07:35.219>increasingly, <00:07:35.320>things <00:07:35.419>are

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<00:07:37.700>changing <00:07:37.793>in <00:07:37.886>The <00:07:37.979>US <00:07:38.073>as <00:07:38.166>well. <00:07:38.260>We're <00:07:38.353>seeing <00:07:38.446>wallets <00:07:38.539>and <00:07:38.633>buy <00:07:38.726>now, <00:07:38.820>pay <00:07:38.913>later <00:07:39.006>methods, <00:07:39.099>really

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<00:07:41.975>increasing <00:07:42.175>proliferating. <00:07:42.375>But <00:07:42.575>the <00:07:42.775>point <00:07:42.975>is <00:07:43.175>it's <00:07:43.375>remarkably

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<00:07:45.575>cultural <00:07:45.675>and <00:07:45.775>local. <00:07:45.875>So <00:07:45.974>we <00:07:46.075>strongly <00:07:46.175>believe <00:07:46.275>that <00:07:46.375>to <00:07:46.474>build <00:07:46.575>the <00:07:46.675>best <00:07:46.775>products <00:07:46.875>for <00:07:46.974>businesses

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<00:07:50.695>building <00:07:51.235>on <00:07:51.775>Stripe,

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<00:07:52.240>our <00:07:52.317>team <00:07:52.395>also <00:07:52.473>needs <00:07:52.551>to <00:07:52.628>be <00:07:52.706>global. <00:07:52.784>We <00:07:52.862>need <00:07:52.940>to <00:07:53.017>be <00:07:53.095>present <00:07:53.173>in <00:07:53.251>each <00:07:53.328>of <00:07:53.406>the <00:07:53.484>markets <00:07:53.562>so <00:07:53.640>that

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<00:07:57.040>we <00:07:57.240>can <00:07:57.440>actually <00:07:57.640>get <00:07:57.840>close <00:07:58.040>to <00:07:58.240>our <00:07:58.440>users,

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<00:07:59.840>talk <00:07:59.927>to <00:08:00.015>them, <00:08:00.102>also <00:08:00.190>talk <00:08:00.277>to <00:08:00.365>folks <00:08:00.452>that <00:08:00.540>aren't <00:08:00.627>our <00:08:00.715>users <00:08:00.802>yet <00:08:00.890>and <00:08:00.977>understand <00:08:01.065>what <00:08:01.152>they <00:08:01.240>need,

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<00:08:03.920>and <00:08:04.027>then <00:08:04.135>make <00:08:04.243>sure <00:08:04.350>we're <00:08:04.458>building <00:08:04.566>the <00:08:04.673>right <00:08:04.781>products. <00:08:04.889>So <00:08:04.996>against <00:08:05.104>that <00:08:05.212>backdrop, <00:08:05.320>we've

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<00:08:07.565>worked <00:08:07.740>hard <00:08:07.915>to <00:08:08.090>have <00:08:08.265>a <00:08:08.440>team <00:08:08.615>that <00:08:08.790>is <00:08:08.965>present

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<00:08:11.165>in <00:08:11.272>all <00:08:11.380>the <00:08:11.488>major <00:08:11.595>places <00:08:11.703>that <00:08:11.811>our <00:08:11.918>users <00:08:12.026>are <00:08:12.134>around <00:08:12.241>the <00:08:12.349>world. <00:08:12.457>Really, <00:08:12.565>since

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<00:08:15.405>the <00:08:15.560>beginning <00:08:15.716>of <00:08:15.871>the <00:08:16.027>company, <00:08:16.182>we've <00:08:16.338>expanded <00:08:16.493>in <00:08:16.649>that <00:08:16.804>direction.

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<00:08:19.520>Europe <00:08:19.719>is <00:08:19.919>one <00:08:20.120>of <00:08:20.320>our <00:08:20.520>fastest <00:08:20.719>growing <00:08:20.919>regions.

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<00:08:22.320>And <00:08:22.788>in <00:08:23.256>particular,

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<00:08:23.600>Central <00:08:23.950>And <00:08:24.300>Eastern <00:08:24.650>Europe <00:08:25.000>is

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<00:08:26.160>one <00:08:26.315>of <00:08:26.471>the <00:08:26.626>relatively <00:08:26.782>newer <00:08:26.937>places <00:08:27.093>that <00:08:27.248>we're <00:08:27.404>powering <00:08:27.560>businesses.

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<00:08:30.480>We <00:08:30.580>launched <00:08:30.680>a <00:08:30.780>bunch <00:08:30.880>of <00:08:30.980>countries <00:08:31.080>across <00:08:31.180>Central <00:08:31.280>And <00:08:31.380>Eastern <00:08:31.480>Europe <00:08:31.580>on <00:08:31.680>Stripe <00:08:31.780>in <00:08:31.880>2019.

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<00:08:35.424>And <00:08:35.518>then <00:08:35.611>in <00:08:35.704>2020, <00:08:35.798>we <00:08:35.891>actually <00:08:35.984>expanded <00:08:36.078>to <00:08:36.171>countries <00:08:36.265>like <00:08:36.358>Romania <00:08:36.451>and <00:08:36.544>Czechia <00:08:36.638>and <00:08:36.731>so <00:08:36.824>forth.

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<00:08:41.184>And <00:08:41.418>when <00:08:41.651>we <00:08:41.885>look <00:08:42.118>at <00:08:42.351>the <00:08:42.584>data,

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<00:08:43.424>there's <00:08:43.704>a <00:08:43.984>lot <00:08:44.265>of <00:08:44.545>really <00:08:44.824>exciting

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<00:08:45.265>online <00:08:45.372>commerce <00:08:45.480>happening <00:08:45.588>in <00:08:45.695>the <00:08:45.803>region, <00:08:45.911>and <00:08:46.018>we <00:08:46.126>therefore <00:08:46.234>really <00:08:46.341>wanted <00:08:46.449>to <00:08:46.557>make <00:08:46.665>sure

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<00:08:49.585>that <00:08:49.818>we <00:08:50.051>had <00:08:50.285>product <00:08:50.518>development <00:08:50.751>team <00:08:50.985>there.

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<00:08:52.500>So <00:08:52.587>I <00:08:52.675>looked <00:08:52.762>across <00:08:52.850>a <00:08:52.937>whole <00:08:53.025>bunch <00:08:53.112>of <00:08:53.200>places <00:08:53.287>that <00:08:53.375>we <00:08:53.462>could <00:08:53.550>imagine <00:08:53.637>putting <00:08:53.725>in <00:08:53.812>office. <00:08:53.900>I

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<00:08:57.380>had <00:08:57.535>the <00:08:57.691>opportunity <00:08:57.846>to <00:08:58.002>visit <00:08:58.157>many <00:08:58.313>cities <00:08:58.468>and <00:08:58.624>in <00:08:58.780>particular

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<00:09:01.140>Bucharest <00:09:01.247>really <00:09:01.355>stood <00:09:01.463>out <00:09:01.570>as <00:09:01.678>a <00:09:01.786>place <00:09:01.893>where <00:09:02.001>there's <00:09:02.109>amazing <00:09:02.216>engineering <00:09:02.324>talent <00:09:02.432>and <00:09:02.540>also

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<00:09:06.325>just <00:09:06.525>a <00:09:06.725>real <00:09:06.925>kind <00:09:07.125>of <00:09:07.325>energy <00:09:07.525>in <00:09:07.725>entrepreneurship.

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<00:09:09.765>It's <00:09:09.998>an <00:09:10.231>economy <00:09:10.465>that <00:09:10.698>is <00:09:10.931>going <00:09:11.165>places.

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<00:09:12.405>And <00:09:12.532>we <00:09:12.659>felt <00:09:12.786>quite <00:09:12.914>strongly <00:09:13.041>that <00:09:13.168>that <00:09:13.295>was <00:09:13.423>going <00:09:13.550>to <00:09:13.677>be <00:09:13.805>a

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<00:09:15.685>great <00:09:15.785>match <00:09:15.885>for <00:09:15.984>Stripe. <00:09:16.084>There <00:09:16.185>are <00:09:16.285>a <00:09:16.385>bunch <00:09:16.484>of <00:09:16.584>local <00:09:16.685>startups <00:09:16.785>like <00:09:16.885>UiPath, <00:09:16.984>for <00:09:17.084>instance,

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<00:09:20.405>who <00:09:20.498>are <00:09:20.591>Stripe <00:09:20.685>users <00:09:20.778>using <00:09:20.871>the <00:09:20.964>Stripe <00:09:21.058>platform <00:09:21.151>to <00:09:21.245>be <00:09:21.338>able <00:09:21.431>to <00:09:21.525>scale <00:09:21.618>their <00:09:21.711>businesses <00:09:21.805>globally.

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<00:09:25.310>And <00:09:25.403>so <00:09:25.496>we're <00:09:25.589>excited <00:09:25.683>to <00:09:25.776>have <00:09:25.869>even <00:09:25.963>more <00:09:26.056>engineers <00:09:26.150>and <00:09:26.243>product <00:09:26.336>managers <00:09:26.430>and <00:09:26.523>so <00:09:26.616>forth <00:09:26.709>in

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<00:09:30.030>the <00:09:30.678>region.

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Nice.

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<00:09:32.670>Nice. <00:09:32.870>And <00:09:33.069>you <00:09:33.270>talked <00:09:33.469>about <00:09:33.670>like <00:09:33.870>this <00:09:34.069>local

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<00:09:36.865>cultural <00:09:38.233>nuances

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<00:09:38.945>in <00:09:39.295>all <00:09:39.645>the <00:09:39.995>different <00:09:40.345>regions.

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<00:09:42.225>How <00:09:42.295>is <00:09:42.365>it <00:09:42.435>in <00:09:42.505>Bucharest <00:09:42.575>or <00:09:42.645>how <00:09:42.715>is <00:09:42.785>it <00:09:42.855>in <00:09:42.925>general? <00:09:42.995>If <00:09:43.065>I <00:09:43.135>think <00:09:43.205>of <00:09:43.275>like <00:09:43.345>an <00:09:43.415>office <00:09:43.485>in <00:09:43.555>San <00:09:43.625>Francisco

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<00:09:47.520>and <00:09:47.753>in <00:09:47.986>Singapore <00:09:48.220>and <00:09:48.453>then <00:09:48.686>in <00:09:48.920>Bucharest,

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<00:09:50.240>are <00:09:50.415>there <00:09:50.590>these <00:09:50.765>cultural <00:09:50.940>nuances <00:09:51.115>also <00:09:51.290>visible <00:09:51.465>or <00:09:51.640>embraced

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<00:09:54.400>in <00:09:54.866>those <00:09:55.333>locations <00:09:55.800>or

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<00:09:56.640>what's <00:09:56.740>your <00:09:56.840>experience <00:09:56.939>with <00:09:57.040>that? <00:09:57.140>Yeah. <00:09:57.240>Well, <00:09:57.340>first <00:09:57.439>of <00:09:57.540>all, <00:09:57.640>anyone <00:09:57.740>who <00:09:57.840>works <00:09:57.939>at <00:09:58.040>Stripe,

00:10:01.045 --> 00:10:05.365
<00:10:01.045>no <00:10:01.127>matter <00:10:01.209>which <00:10:01.292>office <00:10:01.374>you're <00:10:01.456>based <00:10:01.539>in, <00:10:01.621>or <00:10:01.703>if <00:10:01.786>you're <00:10:01.868>remote, <00:10:01.950>and <00:10:02.033>we <00:10:02.115>have <00:10:02.197>a <00:10:02.280>a <00:10:02.362>very <00:10:02.444>private

00:10:05.365 --> 00:10:06.245
<00:10:05.365>remote <00:10:06.157>hub,

00:10:06.565 --> 00:10:11.125
<00:10:06.565>you're <00:10:06.658>going <00:10:06.751>to <00:10:06.845>be <00:10:06.938>doing <00:10:07.031>globally <00:10:07.125>relevant <00:10:07.218>work. <00:10:07.311>You're <00:10:07.405>going <00:10:07.498>to <00:10:07.591>be <00:10:07.685>doing <00:10:07.778>work <00:10:07.871>that <00:10:07.965>applies

00:10:11.125 --> 00:10:15.500
<00:10:11.125>to <00:10:11.218>those <00:10:11.311>millions <00:10:11.405>of <00:10:11.498>businesses <00:10:11.591>at <00:10:11.685>scale. <00:10:11.778>It's <00:10:11.871>also <00:10:11.965>the <00:10:12.058>case <00:10:12.151>that <00:10:12.245>we're <00:10:12.338>going <00:10:12.431>to <00:10:12.525>want

00:10:15.500 --> 00:10:20.140
<00:10:15.500>you <00:10:15.600>to <00:10:15.700>channel <00:10:15.800>some <00:10:15.900>of <00:10:16.000>the <00:10:16.100>the <00:10:16.200>sentiment <00:10:16.300>and <00:10:16.400>understanding <00:10:16.500>of <00:10:16.600>users <00:10:16.700>wherever <00:10:16.800>you <00:10:16.900>are

00:10:20.140 --> 00:10:23.420
<00:10:20.140>and <00:10:20.280>through <00:10:20.420>to <00:10:20.560>your <00:10:20.699>own <00:10:20.840>team <00:10:20.980>and <00:10:21.120>others <00:10:21.260>across <00:10:21.400>the <00:10:21.540>company.

00:10:23.900 --> 00:10:24.540
We

00:10:25.180 --> 00:10:26.140
<00:10:25.180>have <00:10:26.044>a

00:10:27.045 --> 00:10:29.125
<00:10:27.045>we <00:10:27.324>have <00:10:27.604>a, <00:10:27.885>you <00:10:28.165>know, <00:10:28.444>remarkably

00:10:29.285 --> 00:10:33.765
<00:10:29.285>similar <00:10:29.385>culture <00:10:29.485>among <00:10:29.584>all <00:10:29.685>of <00:10:29.785>our <00:10:29.885>offices <00:10:29.985>because, <00:10:30.084>like <00:10:30.185>I <00:10:30.285>said, <00:10:30.385>the <00:10:30.485>kind <00:10:30.584>of <00:10:30.685>overriding

00:10:33.765 --> 00:10:34.805
<00:10:33.765>principle <00:10:34.700>is,

00:10:35.205 --> 00:10:37.605
<00:10:35.205>we <00:10:35.380>are <00:10:35.555>folks <00:10:35.730>who <00:10:35.905>are <00:10:36.080>passionate <00:10:36.255>about <00:10:36.430>our <00:10:36.605>users.

00:10:38.005 --> 00:10:42.360
<00:10:38.005>We're <00:10:38.105>meticulous <00:10:38.205>in <00:10:38.305>our <00:10:38.405>craft <00:10:38.505>and <00:10:38.605>we're <00:10:38.705>trying <00:10:38.805>to <00:10:38.905>build <00:10:39.005>like <00:10:39.105>a <00:10:39.205>really <00:10:39.305>valuable <00:10:39.405>platform

00:10:42.600 --> 00:10:47.400
<00:10:42.600>for <00:10:42.687>commerce <00:10:42.775>for <00:10:42.862>the <00:10:42.950>future. <00:10:43.037>So <00:10:43.125>that's <00:10:43.212>kind <00:10:43.300>of <00:10:43.387>the <00:10:43.475>core <00:10:43.562>of <00:10:43.650>what <00:10:43.737>you'll <00:10:43.825>feel <00:10:43.912>working <00:10:44.000>at

00:10:47.400 --> 00:10:51.400
<00:10:47.400>Stripe. <00:10:47.555>Of <00:10:47.711>course, <00:10:47.866>every <00:10:48.022>individual <00:10:48.177>office <00:10:48.333>around <00:10:48.488>the <00:10:48.644>world <00:10:48.800>has,

00:10:51.960 --> 00:10:56.545
<00:10:51.960>know, <00:10:52.047>it's <00:10:52.135>embedded <00:10:52.222>in <00:10:52.310>a <00:10:52.397>community <00:10:52.485>and <00:10:52.572>we <00:10:52.660>care <00:10:52.747>a <00:10:52.835>lot <00:10:52.922>about <00:10:53.010>engaging <00:10:53.097>with <00:10:53.185>the <00:10:53.272>local <00:10:53.360>communities

00:10:56.545 --> 00:10:58.865
<00:10:56.545>wherever <00:10:56.778>we <00:10:57.011>are. <00:10:57.245>For <00:10:57.478>instance, <00:10:57.711>in <00:10:57.944>Ireland,

00:10:59.025 --> 00:11:01.745
<00:10:59.025>we've <00:10:59.199>done <00:10:59.375>a <00:10:59.550>lot <00:10:59.725>of <00:10:59.900>work <00:11:00.074>with <00:11:00.250>local <00:11:00.425>universities

00:11:01.745 --> 00:11:07.105
<00:11:01.745>in <00:11:01.852>order <00:11:01.960>to <00:11:02.068>really <00:11:02.175>help <00:11:02.283>them <00:11:02.391>have <00:11:02.498>the <00:11:02.606>most <00:11:02.714>relevant <00:11:02.821>curriculum <00:11:02.929>in <00:11:03.037>order <00:11:03.145>to

00:11:07.745 --> 00:11:09.985
<00:11:07.745>build <00:11:07.978>the <00:11:08.211>next <00:11:08.445>generation <00:11:08.678>of <00:11:08.911>software <00:11:09.145>engineers.

00:11:10.440 --> 00:11:13.880
<00:11:10.440>And <00:11:10.527>we <00:11:10.615>care <00:11:10.702>a <00:11:10.790>lot <00:11:10.877>about <00:11:10.965>being <00:11:11.052>connected <00:11:11.140>to <00:11:11.227>the <00:11:11.315>local <00:11:11.402>community. <00:11:11.490>So <00:11:11.577>every <00:11:11.665>office <00:11:11.752>has <00:11:11.840>a

00:11:13.880 --> 00:11:17.560
<00:11:13.880>little <00:11:14.020>bit <00:11:14.160>of <00:11:14.300>its <00:11:14.439>own <00:11:14.580>flavor, <00:11:14.720>and <00:11:14.860>there's <00:11:15.000>a <00:11:15.140>real <00:11:15.280>opportunity

00:11:17.560 --> 00:11:21.720
<00:11:17.560>for <00:11:17.667>that <00:11:17.775>local <00:11:17.883>flavor <00:11:17.990>to <00:11:18.098>come <00:11:18.206>through. <00:11:18.313>But <00:11:18.421>I <00:11:18.529>think <00:11:18.636>what <00:11:18.744>you'll <00:11:18.852>find <00:11:18.959>is

00:11:22.280 --> 00:11:23.560
<00:11:22.280>a <00:11:23.431>remarkably

00:11:23.975 --> 00:11:25.495
<00:11:23.975>similar <00:11:25.343>focus

00:11:25.575 --> 00:11:27.015
<00:11:25.575>and <00:11:26.871>commonality

00:11:27.015 --> 00:11:30.135
<00:11:27.015>among <00:11:27.122>folks <00:11:27.230>who <00:11:27.338>work <00:11:27.445>at <00:11:27.553>Stripe, <00:11:27.661>whichever <00:11:27.768>office <00:11:27.876>they <00:11:27.984>happen <00:11:28.091>to <00:11:28.199>be <00:11:28.307>based <00:11:28.415>in.

00:11:30.775 --> 00:11:31.735
Nice.

00:11:31.815 --> 00:11:37.015
<00:11:31.815>Nice. <00:11:31.922>And <00:11:32.030>for <00:11:32.138>for <00:11:32.245>Bucharest, <00:11:32.353>do <00:11:32.461>you <00:11:32.568>have <00:11:32.676>any <00:11:32.784>plans <00:11:32.891>in <00:11:32.999>terms <00:11:33.107>of <00:11:33.215>headcount

00:11:37.895 --> 00:11:38.775
<00:11:37.895>for <00:11:38.290>the <00:11:38.687>office?

00:11:39.600 --> 00:11:43.120
<00:11:39.600>We <00:11:39.727>we <00:11:39.854>expect <00:11:39.981>it <00:11:40.109>to <00:11:40.236>be <00:11:40.363>a <00:11:40.490>really <00:11:40.618>significant <00:11:40.745>presence <00:11:40.872>for <00:11:41.000>Stripe.

00:11:43.520 --> 00:11:47.600
<00:11:43.520>What <00:11:43.613>I <00:11:43.706>find <00:11:43.800>and, <00:11:43.893>you <00:11:43.986>know, <00:11:44.079>Bucharest <00:11:44.173>is <00:11:44.266>not <00:11:44.360>the <00:11:44.453>first <00:11:44.546>office <00:11:44.640>we've <00:11:44.733>started <00:11:44.826>at <00:11:44.920>Stripe.

00:11:47.600 --> 00:11:52.080
<00:11:47.600>And <00:11:47.677>what <00:11:47.755>I <00:11:47.833>find <00:11:47.911>is <00:11:47.988>that <00:11:48.066>the <00:11:48.144>best <00:11:48.222>way <00:11:48.300>to <00:11:48.377>to <00:11:48.455>grow <00:11:48.533>these <00:11:48.611>endeavors <00:11:48.688>is <00:11:48.766>make <00:11:48.844>sure <00:11:48.922>that <00:11:49.000>the

00:11:52.080 --> 00:11:57.335
<00:11:52.080>the <00:11:52.167>first <00:11:52.255>teams <00:11:52.342>that <00:11:52.430>end <00:11:52.517>up <00:11:52.605>there <00:11:52.692>are <00:11:52.780>set <00:11:52.867>up <00:11:52.955>for <00:11:53.042>success, <00:11:53.130>so <00:11:53.217>clear <00:11:53.305>and <00:11:53.392>complete <00:11:53.480>missions,

00:11:57.335 --> 00:11:58.775
<00:11:57.335>own <00:11:57.767>something <00:11:58.199>really <00:11:58.631>important.

00:11:59.335 --> 00:12:04.135
<00:11:59.335>And <00:11:59.422>then <00:11:59.510>that's <00:11:59.597>a <00:11:59.685>great <00:11:59.772>way <00:11:59.860>to <00:11:59.947>kind <00:12:00.035>of <00:12:00.122>learn <00:12:00.210>and <00:12:00.297>get <00:12:00.385>embedded <00:12:00.472>inside <00:12:00.560>of <00:12:00.647>the <00:12:00.735>company.

00:12:04.135 --> 00:12:07.255
<00:12:04.135>So <00:12:04.251>that's <00:12:04.368>what <00:12:04.485>we're <00:12:04.601>doing. <00:12:04.718>We've <00:12:04.835>put <00:12:04.951>a <00:12:05.068>couple <00:12:05.185>of <00:12:05.301>really <00:12:05.418>important <00:12:05.535>things,

00:12:07.655 --> 00:12:11.090
<00:12:07.655>into <00:12:07.795>the <00:12:07.935>Bucharest <00:12:08.074>office <00:12:08.214>to <00:12:08.355>get <00:12:08.495>started. <00:12:08.635>And <00:12:08.775>then <00:12:08.915>as <00:12:09.055>those,

00:12:11.490 --> 00:12:15.730
<00:12:11.490>teams <00:12:11.583>deliver <00:12:11.676>and <00:12:11.770>grow, <00:12:11.863>I'm <00:12:11.956>sure <00:12:12.050>that <00:12:12.143>we <00:12:12.236>will <00:12:12.330>then <00:12:12.423>find <00:12:12.516>the <00:12:12.610>opportunity <00:12:12.703>to <00:12:12.796>have <00:12:12.890>folks

00:12:15.730 --> 00:12:19.810
<00:12:15.730>that <00:12:15.817>have, <00:12:15.905>learned <00:12:15.992>on <00:12:16.080>those <00:12:16.167>projects <00:12:16.255>take <00:12:16.342>on <00:12:16.430>more <00:12:16.517>and <00:12:16.605>more. <00:12:16.692>So <00:12:16.780>we <00:12:16.867>we <00:12:16.955>hope <00:12:17.042>and <00:12:17.130>expect

00:12:19.810 --> 00:12:23.890
<00:12:19.810>it's <00:12:19.897>going <00:12:19.984>to <00:12:20.072>be <00:12:20.160>a <00:12:20.247>very <00:12:20.334>significant <00:12:20.422>presence. <00:12:20.510>The <00:12:20.597>exact <00:12:20.685>pace <00:12:20.772>is <00:12:20.859>going <00:12:20.947>to <00:12:21.035>depend <00:12:21.122>on, <00:12:21.209>you

00:12:23.890 --> 00:12:27.115
<00:12:23.890>know, <00:12:23.983>exactly <00:12:24.076>how <00:12:24.170>all <00:12:24.263>of <00:12:24.356>our <00:12:24.449>our <00:12:24.543>efforts <00:12:24.636>go <00:12:24.730>there. <00:12:24.823>And <00:12:24.916>that's <00:12:25.010>something <00:12:25.103>that <00:12:25.196>we've <00:12:25.290>learned

00:12:27.115 --> 00:12:31.435
<00:12:27.115>across <00:12:27.202>all <00:12:27.290>of <00:12:27.377>the <00:12:27.465>other <00:12:27.552>offices <00:12:27.640>that <00:12:27.727>we've <00:12:27.815>stood <00:12:27.902>up. <00:12:27.990>And <00:12:28.077>many <00:12:28.165>of <00:12:28.252>the <00:12:28.340>offices <00:12:28.427>that <00:12:28.515>we've

00:12:31.435 --> 00:12:35.595
<00:12:31.435>created, <00:12:31.528>you <00:12:31.621>know, <00:12:31.714>in <00:12:31.808>previous <00:12:31.901>years <00:12:31.994>have <00:12:32.088>gone <00:12:32.181>on <00:12:32.275>to <00:12:32.368>be <00:12:32.461>tremendous <00:12:32.555>hubs <00:12:32.648>for <00:12:32.741>our <00:12:32.834>development.

00:12:35.595 --> 00:12:37.195
<00:12:35.595>Dublin <00:12:35.770>would <00:12:35.945>be <00:12:36.120>a <00:12:36.295>really <00:12:36.470>good <00:12:36.645>example <00:12:36.820>of <00:12:36.995>that.

00:12:38.010 --> 00:12:39.690
That's

00:12:39.690 --> 00:12:41.210
<00:12:39.690>interesting <00:12:40.374>because <00:12:41.058>what

00:12:41.530 --> 00:12:46.730
<00:12:41.530>you <00:12:41.630>mentioned <00:12:41.730>now <00:12:41.829>is <00:12:41.930>like <00:12:42.030>it's <00:12:42.130>important <00:12:42.230>to <00:12:42.329>have <00:12:42.430>the <00:12:42.530>first <00:12:42.630>people <00:12:42.730>that <00:12:42.829>are <00:12:42.930>there.

00:12:46.970 --> 00:12:51.210
<00:12:46.970>They're <00:12:47.110>really <00:12:47.250>important <00:12:47.390>also <00:12:47.530>for <00:12:47.670>shaping <00:12:47.810>the <00:12:47.950>future <00:12:48.090>of <00:12:48.230>this <00:12:48.370>office.

00:12:52.225 --> 00:12:55.025
<00:12:52.225>And <00:12:52.380>I <00:12:52.536>think <00:12:52.691>this <00:12:52.847>is <00:12:53.002>also <00:12:53.158>something <00:12:53.313>that <00:12:53.469>is <00:12:53.625>interesting

00:12:55.265 --> 00:12:59.665
<00:12:55.265>because <00:12:55.381>of <00:12:55.498>the <00:12:55.615>principles <00:12:55.731>you <00:12:55.848>already <00:12:55.965>mentioned, <00:12:56.081>like <00:12:56.198>being <00:12:56.314>meticulous <00:12:56.431>in <00:12:56.548>your <00:12:56.665>craft,

00:12:59.665 --> 00:13:00.465
<00:12:59.665>user <00:13:00.385>first.

00:13:01.025 --> 00:13:04.705
<00:13:01.025>I <00:13:01.180>think <00:13:01.336>that <00:13:01.491>those <00:13:01.647>principles <00:13:01.802>are <00:13:01.958>also <00:13:02.113>like <00:13:02.269>distilled <00:13:02.425>from

00:13:05.190 --> 00:13:08.070
<00:13:05.190>what <00:13:05.345>Stripe <00:13:05.501>has <00:13:05.656>done <00:13:05.812>in <00:13:05.967>the <00:13:06.123>early <00:13:06.278>days <00:13:06.434>or <00:13:06.590>what

00:13:08.470 --> 00:13:11.430
<00:13:08.470>the <00:13:08.645>early <00:13:08.820>people <00:13:08.995>did <00:13:09.170>there <00:13:09.345>and <00:13:09.520>how <00:13:09.695>you <00:13:09.870>can

00:13:12.150 --> 00:13:17.350
<00:13:12.150>manage <00:13:12.227>this <00:13:12.305>at <00:13:12.383>scale. <00:13:12.461>I <00:13:12.538>think <00:13:12.616>that's <00:13:12.694>now <00:13:12.772>a <00:13:12.850>good <00:13:12.927>segue <00:13:13.005>for <00:13:13.083>me <00:13:13.161>to <00:13:13.238>talk <00:13:13.316>a <00:13:13.394>bit <00:13:13.472>about <00:13:13.550>scaling

00:13:17.350 --> 00:13:23.995
<00:13:17.350>in <00:13:17.432>Teams, <00:13:17.514>because <00:13:17.597>I <00:13:17.679>think <00:13:17.761>it's <00:13:17.844>a <00:13:17.926>different <00:13:18.008>thing <00:13:18.091>if <00:13:18.173>you <00:13:18.255>have <00:13:18.338>like <00:13:18.420>70 <00:13:18.502>people <00:13:18.585>or <00:13:18.667>now <00:13:18.750>7,000

00:13:23.995 --> 00:13:24.635
people.

00:13:25.035 --> 00:13:29.595
<00:13:25.035>This <00:13:25.128>needs <00:13:25.221>different <00:13:25.314>structures <00:13:25.408>and <00:13:25.501>also <00:13:25.594>the <00:13:25.688>role <00:13:25.781>of <00:13:25.875>a <00:13:25.968>CTO <00:13:26.061>is <00:13:26.155>different <00:13:26.248>in <00:13:26.341>this <00:13:26.435>kind

00:13:29.595 --> 00:13:30.075
of

00:13:30.715 --> 00:13:31.435
sizes.

00:13:31.675 --> 00:13:32.155
So

00:13:32.770 --> 00:13:33.890
<00:13:32.770>how <00:13:33.274>do <00:13:33.778>you

00:13:34.210 --> 00:13:36.610
<00:13:34.210>or <00:13:34.560>maybe <00:13:34.910>let's <00:13:35.260>start <00:13:35.610>different.

00:13:37.970 --> 00:13:43.170
<00:13:37.970>What <00:13:38.070>I <00:13:38.170>like <00:13:38.270>is <00:13:38.370>if <00:13:38.470>you <00:13:38.570>have <00:13:38.670>small <00:13:38.770>teams, <00:13:38.870>can <00:13:38.970>really <00:13:39.070>move <00:13:39.170>quickly. <00:13:39.270>And <00:13:39.370>it's

00:13:43.170 --> 00:13:47.250
<00:13:43.170>beautiful <00:13:43.297>to <00:13:43.424>see. <00:13:43.551>You <00:13:43.679>can <00:13:43.806>build <00:13:43.933>something, <00:13:44.060>release <00:13:44.188>something <00:13:44.315>in <00:13:44.442>small <00:13:44.569>teams.

00:13:47.835 --> 00:13:48.475
And

00:13:48.875 --> 00:13:50.395
<00:13:48.875>I <00:13:49.559>think <00:13:50.242>sometimes

00:13:50.475 --> 00:13:51.595
<00:13:50.475>for <00:13:51.483>Stripe,

00:13:51.675 --> 00:13:57.195
<00:13:51.675>I <00:13:51.768>have <00:13:51.861>the <00:13:51.954>feeling <00:13:52.048>that <00:13:52.141>you <00:13:52.234>still <00:13:52.328>move <00:13:52.421>quickly <00:13:52.515>and <00:13:52.608>could <00:13:52.701>preserve <00:13:52.795>some <00:13:52.888>of <00:13:52.981>those <00:13:53.074>qualities.

00:13:57.675 --> 00:13:58.235
So

00:13:58.715 --> 00:14:01.810
<00:13:58.715>how <00:13:58.915>is <00:13:59.115>this <00:13:59.315>possible <00:13:59.515>at <00:13:59.715>that <00:13:59.915>scale? <00:14:00.115>Yeah.

00:14:02.130 --> 00:14:03.730
<00:14:02.130>So <00:14:02.410>I <00:14:02.689>think <00:14:02.970>you're <00:14:03.250>right, <00:14:03.530>Thomas.

00:14:04.210 --> 00:14:10.690
<00:14:04.210>The <00:14:04.317>best <00:14:04.425>software <00:14:04.533>tends <00:14:04.640>to <00:14:04.748>be <00:14:04.856>created <00:14:04.963>by <00:14:05.071>small <00:14:05.179>focused <00:14:05.286>motivated <00:14:05.394>teams <00:14:05.502>who <00:14:05.610>understand

00:14:10.690 --> 00:14:13.970
<00:14:10.690>the <00:14:10.806>problem <00:14:10.923>that <00:14:11.040>they're <00:14:11.156>solving <00:14:11.273>and <00:14:11.390>in <00:14:11.506>particular <00:14:11.623>understand <00:14:11.740>the <00:14:11.856>people <00:14:11.973>that <00:14:12.090>they're

00:14:13.970 --> 00:14:16.450
<00:14:13.970>building <00:14:14.077>it <00:14:14.185>for <00:14:14.293>and, <00:14:14.400>you <00:14:14.508>know, <00:14:14.616>what <00:14:14.723>what <00:14:14.831>is <00:14:14.939>the <00:14:15.046>real <00:14:15.154>problem <00:14:15.262>they <00:14:15.370>have.

00:14:17.805 --> 00:14:20.685
<00:14:17.805>And <00:14:18.084>that <00:14:18.364>really <00:14:18.645>I <00:14:18.925>think <00:14:19.204>explains

00:14:20.685 --> 00:14:25.485
<00:14:20.685>a <00:14:20.772>lot <00:14:20.859>of <00:14:20.947>how <00:14:21.035>the <00:14:21.122>early <00:14:21.209>Stripe <00:14:21.297>team <00:14:21.385>found <00:14:21.472>such <00:14:21.560>strong <00:14:21.647>product <00:14:21.734>market <00:14:21.822>fit <00:14:21.910>in <00:14:21.997>our <00:14:22.084>core.

00:14:25.485 --> 00:14:31.485
<00:14:25.485>Know, <00:14:25.585>today <00:14:25.685>we <00:14:25.785>build <00:14:25.885>a <00:14:25.985>platform <00:14:26.085>that <00:14:26.185>is <00:14:26.285>for <00:14:26.385>small <00:14:26.485>businesses <00:14:26.585>and <00:14:26.685>huge <00:14:26.785>multinational <00:14:26.885>enterprises.

00:14:31.950 --> 00:14:36.350
<00:14:31.950>But <00:14:32.043>in <00:14:32.136>the <00:14:32.230>early <00:14:32.323>days <00:14:32.416>we <00:14:32.510>were <00:14:32.603>really <00:14:32.696>focused <00:14:32.790>on <00:14:32.883>serving <00:14:32.976>the <00:14:33.070>needs <00:14:33.163>of <00:14:33.256>upstart <00:14:33.350>businesses

00:14:36.350 --> 00:14:40.350
<00:14:36.350>that <00:14:36.457>were <00:14:36.565>quite <00:14:36.673>developer <00:14:36.780>centric. <00:14:36.888>We <00:14:36.996>had <00:14:37.103>a <00:14:37.211>small <00:14:37.319>team <00:14:37.426>that <00:14:37.534>could <00:14:37.642>really <00:14:37.750>understand

00:14:41.230 --> 00:14:45.070
<00:14:41.230>those <00:14:41.370>those <00:14:41.510>companies' <00:14:41.650>needs <00:14:41.790>and <00:14:41.930>we <00:14:42.070>iterated <00:14:42.210>very <00:14:42.350>closely <00:14:42.490>with <00:14:42.630>them.

00:14:45.630 --> 00:14:46.910
<00:14:45.630>The <00:14:46.014>small <00:14:46.398>team <00:14:46.781>aspect

00:14:47.425 --> 00:14:51.425
<00:14:47.425>is <00:14:47.580>really <00:14:47.736>relevant. <00:14:47.891>So <00:14:48.047>actually, <00:14:48.202>if <00:14:48.358>you <00:14:48.513>look <00:14:48.669>at <00:14:48.824>research

00:14:52.065 --> 00:14:55.425
<00:14:52.065>in <00:14:52.192>the <00:14:52.319>space, <00:14:52.446>there's <00:14:52.574>a <00:14:52.701>group <00:14:52.828>called <00:14:52.955>I <00:14:53.083>think <00:14:53.210>Quantitative <00:14:53.337>Software <00:14:53.465>Management

00:14:55.745 --> 00:14:59.905
<00:14:55.745>that <00:14:55.852>they <00:14:55.960>looked <00:14:56.068>at <00:14:56.175>software <00:14:56.283>project <00:14:56.391>staffed <00:14:56.498>with <00:14:56.606>different <00:14:56.714>numbers <00:14:56.821>of <00:14:56.929>people. <00:14:57.037>And <00:14:57.145>for

00:14:59.905 --> 00:15:01.585
<00:14:59.905>a <00:15:00.371>typical <00:15:00.838>project <00:15:01.305>of

00:15:02.770 --> 00:15:04.050
<00:15:02.770>similar <00:15:03.921>complexity,

00:15:04.050 --> 00:15:09.010
<00:15:04.050>they <00:15:04.157>actually <00:15:04.265>find <00:15:04.373>that <00:15:04.480>a <00:15:04.588>32 <00:15:04.696>person <00:15:04.803>team <00:15:04.911>on <00:15:05.019>average <00:15:05.126>would <00:15:05.234>have <00:15:05.342>used <00:15:05.449>178

00:15:09.010 --> 00:15:13.330
<00:15:09.010>person <00:15:09.103>months <00:15:09.196>of <00:15:09.290>effort <00:15:09.383>in <00:15:09.476>total <00:15:09.569>compared <00:15:09.663>to <00:15:09.756>a <00:15:09.850>four <00:15:09.943>person <00:15:10.036>team <00:15:10.130>that <00:15:10.223>would <00:15:10.316>have <00:15:10.410>done

00:15:13.330 --> 00:15:16.290
<00:15:13.330>the <00:15:13.423>same <00:15:13.516>thing. <00:15:13.610>They <00:15:13.703>might <00:15:13.796>actually <00:15:13.890>have <00:15:13.983>taken <00:15:14.076>long <00:15:14.170>on <00:15:14.263>the <00:15:14.356>calendar <00:15:14.450>but <00:15:14.543>would <00:15:14.636>have <00:15:14.730>used

00:15:16.290 --> 00:15:19.285
<00:15:16.290>24 <00:15:16.523>person. <00:15:16.756>So <00:15:16.990>the <00:15:17.223>point <00:15:17.456>is <00:15:17.689>that,

00:15:19.605 --> 00:15:25.205
<00:15:19.605>as <00:15:19.698>teams <00:15:19.791>grow <00:15:19.885>working <00:15:19.978>on <00:15:20.071>a <00:15:20.165>kind <00:15:20.258>of <00:15:20.351>individual <00:15:20.445>endeavor, <00:15:20.538>things <00:15:20.631>can <00:15:20.725>tend <00:15:20.818>to <00:15:20.911>slow <00:15:21.005>down.

00:15:25.205 --> 00:15:29.125
<00:15:25.205>And <00:15:25.312>that's <00:15:25.420>actually <00:15:25.528>kind <00:15:25.635>of <00:15:25.743>fairly <00:15:25.851>intuitive <00:15:25.958>to <00:15:26.066>understand <00:15:26.174>when <00:15:26.281>you <00:15:26.389>think <00:15:26.497>about <00:15:26.605>software

00:15:29.125 --> 00:15:32.565
<00:15:29.125>teams <00:15:29.212>are <00:15:29.300>full <00:15:29.387>of <00:15:29.475>people, <00:15:29.562>right? <00:15:29.650>And <00:15:29.737>people <00:15:29.825>to <00:15:29.912>work <00:15:30.000>together <00:15:30.087>need <00:15:30.175>to <00:15:30.262>talk <00:15:30.350>to <00:15:30.437>each <00:15:30.525>other.

00:15:32.920 --> 00:15:38.120
<00:15:32.920>And <00:15:33.047>software <00:15:33.174>in <00:15:33.301>particular <00:15:33.429>involves <00:15:33.556>a <00:15:33.683>lot <00:15:33.810>of <00:15:33.938>trade <00:15:34.065>offs <00:15:34.192>and <00:15:34.319>decisions

00:15:38.120 --> 00:15:41.480
<00:15:38.120>that <00:15:38.197>have <00:15:38.275>to <00:15:38.353>be <00:15:38.431>made <00:15:38.508>at <00:15:38.586>a <00:15:38.664>very <00:15:38.742>fine <00:15:38.820>grained <00:15:38.897>level <00:15:38.975>of <00:15:39.053>detail. <00:15:39.131>So <00:15:39.208>there's <00:15:39.286>a <00:15:39.364>lot <00:15:39.442>of <00:15:39.520>communication

00:15:41.480 --> 00:15:43.080
<00:15:41.480>involved <00:15:41.830>in <00:15:42.180>a <00:15:42.530>typical <00:15:42.880>project.

00:15:43.800 --> 00:15:47.000
<00:15:43.800>And <00:15:43.893>you <00:15:43.986>know, <00:15:44.079>you <00:15:44.173>have <00:15:44.266>a <00:15:44.359>team <00:15:44.453>of <00:15:44.546>one <00:15:44.640>person, <00:15:44.733>there's <00:15:44.826>one <00:15:44.920>line <00:15:45.013>of <00:15:45.106>communication, <00:15:45.199>it's

00:15:47.000 --> 00:15:50.545
<00:15:47.000>inside <00:15:47.100>your <00:15:47.200>head. <00:15:47.300>If <00:15:47.400>you've <00:15:47.500>got <00:15:47.600>two <00:15:47.700>people, <00:15:47.800>there's <00:15:47.900>one <00:15:48.000>line <00:15:48.100>of <00:15:48.200>communication <00:15:48.300>still <00:15:48.400>between

00:15:50.545 --> 00:15:55.905
<00:15:50.545>the <00:15:50.627>two <00:15:50.709>people. <00:15:50.792>But <00:15:50.874>then <00:15:50.956>as <00:15:51.039>soon <00:15:51.121>as <00:15:51.203>you <00:15:51.286>add <00:15:51.368>another <00:15:51.450>person, <00:15:51.533>the <00:15:51.615>number <00:15:51.697>of <00:15:51.780>lines <00:15:51.862>of <00:15:51.944>communication

00:15:55.905 --> 00:15:58.465
<00:15:55.905>to <00:15:56.105>keep <00:15:56.305>everyone <00:15:56.505>in <00:15:56.704>sync <00:15:56.905>actually <00:15:57.105>increased <00:15:57.305>exponentially.

00:15:58.465 --> 00:16:01.105
<00:15:58.465>And <00:15:58.665>so <00:15:58.865>bigger <00:15:59.065>teams, <00:15:59.265>I <00:15:59.465>think, <00:15:59.665>have <00:15:59.865>this

00:16:01.800 --> 00:16:03.080
inevitable

00:16:04.440 --> 00:16:05.240
slowdown

00:16:05.400 --> 00:16:07.800
<00:16:05.400>unless <00:16:05.574>you <00:16:05.750>think <00:16:05.925>about <00:16:06.100>it <00:16:06.275>and <00:16:06.449>are <00:16:06.625>very <00:16:06.800>deliberate.

00:16:08.200 --> 00:16:14.600
<00:16:08.200>And <00:16:08.287>so <00:16:08.375>what <00:16:08.462>we <00:16:08.550>find <00:16:08.637>at <00:16:08.725>Stripe <00:16:08.812>is <00:16:08.900>that <00:16:08.987>the <00:16:09.075>right <00:16:09.162>way <00:16:09.250>to <00:16:09.337>preserve <00:16:09.425>pace <00:16:09.512>at <00:16:09.600>scale

00:16:14.845 --> 00:16:18.285
<00:16:14.845>is <00:16:14.972>to <00:16:15.099>try <00:16:15.226>to <00:16:15.354>make <00:16:15.481>sure <00:16:15.608>we <00:16:15.735>have <00:16:15.863>as <00:16:15.990>many <00:16:16.117>small <00:16:16.245>teams

00:16:18.605 --> 00:16:21.645
<00:16:18.605>working <00:16:18.838>in <00:16:19.071>a <00:16:19.305>focused <00:16:19.538>way <00:16:19.771>and <00:16:20.005>then

00:16:22.125 --> 00:16:27.965
<00:16:22.125>coupled <00:16:22.207>at <00:16:22.289>a <00:16:22.372>team <00:16:22.454>cross <00:16:22.536>team <00:16:22.619>level <00:16:22.701>in <00:16:22.783>order <00:16:22.866>to <00:16:22.948>do <00:16:23.030>the <00:16:23.113>right <00:16:23.195>thing. <00:16:23.277>So, <00:16:23.360>what <00:16:23.442>that <00:16:23.525>means

00:16:27.965 --> 00:16:32.770
<00:16:27.965>is <00:16:28.072>ensuring <00:16:28.180>that <00:16:28.288>our <00:16:28.395>teams <00:16:28.503>have <00:16:28.611>clear <00:16:28.718>and <00:16:28.826>complete <00:16:28.934>missions. <00:16:29.041>They <00:16:29.149>are <00:16:29.257>talking <00:16:29.365>directly

00:16:32.770 --> 00:16:35.570
<00:16:32.770>to <00:16:32.925>their <00:16:33.081>users. <00:16:33.236>They <00:16:33.392>understand <00:16:33.547>the <00:16:33.703>exact <00:16:33.858>problem <00:16:34.014>they're <00:16:34.170>solving,

00:16:35.890 --> 00:16:38.930
<00:16:35.890>and <00:16:35.997>to <00:16:36.105>try <00:16:36.213>to <00:16:36.320>encapsulate <00:16:36.428>a <00:16:36.536>little <00:16:36.643>of <00:16:36.751>the <00:16:36.859>work <00:16:36.966>at <00:16:37.074>the <00:16:37.182>team <00:16:37.290>level.

00:16:39.410 --> 00:16:39.730
And,

00:16:40.290 --> 00:16:45.275
<00:16:40.290>small <00:16:40.417>teams <00:16:40.544>at <00:16:40.671>Stripe <00:16:40.799>accomplish <00:16:40.926>huge <00:16:41.053>amounts. <00:16:41.180>For <00:16:41.308>instance, <00:16:41.435>payment <00:16:41.562>links, <00:16:41.689>is,

00:16:45.675 --> 00:16:51.355
<00:16:45.675>one <00:16:45.752>of <00:16:45.830>our <00:16:45.908>no <00:16:45.986>code <00:16:46.063>products <00:16:46.141>that <00:16:46.219>allows <00:16:46.297>you <00:16:46.375>to <00:16:46.452>very <00:16:46.530>quickly <00:16:46.608>create <00:16:46.686>a <00:16:46.763>link <00:16:46.841>to <00:16:46.919>a <00:16:46.997>kind <00:16:47.074>of

00:16:51.355 --> 00:16:54.875
<00:16:51.355>hosted <00:16:51.462>checkout <00:16:51.570>experience <00:16:51.678>with <00:16:51.785>Stripe, <00:16:51.893>embed <00:16:52.001>it <00:16:52.108>in <00:16:52.216>your <00:16:52.324>website, <00:16:52.431>and <00:16:52.539>there's <00:16:52.647>so <00:16:52.755>many

00:16:54.875 --> 00:16:58.760
<00:16:54.875>businesses <00:16:54.991>that <00:16:55.108>have <00:16:55.225>managed <00:16:55.341>to <00:16:55.458>get <00:16:55.575>started <00:16:55.691>and <00:16:55.808>scale <00:16:55.925>quite <00:16:56.041>significantly <00:16:56.158>on <00:16:56.275>payment

00:16:58.760 --> 00:17:02.920
<00:16:58.760>links <00:16:58.876>in <00:16:58.993>the <00:16:59.110>last <00:16:59.226>few <00:16:59.343>years, <00:16:59.460>created <00:16:59.576>by <00:16:59.693>one <00:16:59.810>small <00:16:59.926>team <00:17:00.043>at <00:17:00.160>Stripe.

00:17:03.720 --> 00:17:08.280
<00:17:03.720>But <00:17:03.797>in <00:17:03.875>order <00:17:03.953>to <00:17:04.031>be <00:17:04.108>able <00:17:04.186>to <00:17:04.264>do <00:17:04.342>that <00:17:04.420>kind <00:17:04.497>of <00:17:04.575>thing, <00:17:04.653>you <00:17:04.731>actually <00:17:04.808>need <00:17:04.886>to <00:17:04.964>have <00:17:05.042>a <00:17:05.120>platform

00:17:08.360 --> 00:17:13.000
<00:17:08.359>that <00:17:08.467>powers <00:17:08.575>multiple <00:17:08.683>products <00:17:08.790>inside <00:17:08.898>of <00:17:09.006>your <00:17:09.113>company <00:17:09.221>that <00:17:09.329>enables <00:17:09.436>those <00:17:09.544>small <00:17:09.652>teams <00:17:09.760>to

00:17:13.000 --> 00:17:14.655
<00:17:13.000>really <00:17:13.280>get <00:17:13.560>a <00:17:13.839>lot <00:17:14.119>done. <00:17:14.400>So

00:17:15.055 --> 00:17:19.855
<00:17:15.055>at <00:17:15.162>Stripe, <00:17:15.270>we <00:17:15.378>think <00:17:15.485>a <00:17:15.593>lot <00:17:15.701>about <00:17:15.808>what <00:17:15.916>I <00:17:16.024>like <00:17:16.131>to <00:17:16.239>call <00:17:16.347>sensible <00:17:16.455>architectures.

00:17:20.335 --> 00:17:23.695
<00:17:20.335>So <00:17:20.462>this <00:17:20.589>is <00:17:20.716>the <00:17:20.844>idea <00:17:20.971>that <00:17:21.098>we <00:17:21.225>make <00:17:21.353>sure <00:17:21.480>that <00:17:21.607>we <00:17:21.735>have

00:17:24.095 --> 00:17:25.855
<00:17:24.095>the <00:17:24.561>right <00:17:25.028>primitives <00:17:25.495>available

00:17:26.015 --> 00:17:29.855
<00:17:26.015>in <00:17:26.108>our <00:17:26.201>platform <00:17:26.295>layers. <00:17:26.388>And <00:17:26.481>of <00:17:26.575>course, <00:17:26.668>we've <00:17:26.761>small <00:17:26.855>focus <00:17:26.948>teams <00:17:27.041>working <00:17:27.135>in <00:17:27.228>each <00:17:27.321>of <00:17:27.415>those

00:17:29.780 --> 00:17:30.820
<00:17:29.780>that <00:17:30.248>can <00:17:30.716>then

00:17:31.860 --> 00:17:32.340
composed

00:17:33.460 --> 00:17:36.900
<00:17:33.460>to <00:17:33.660>form <00:17:33.860>the <00:17:34.060>products <00:17:34.260>that <00:17:34.460>we <00:17:34.660>ship <00:17:34.860>externally.

00:17:36.900 --> 00:17:38.020
<00:17:36.900>But <00:17:37.404>then <00:17:37.908>critically,

00:17:38.580 --> 00:17:41.540
<00:17:38.580>if <00:17:38.780>the <00:17:38.980>payment <00:17:39.179>links <00:17:39.379>team <00:17:39.580>is <00:17:39.780>shipping <00:17:39.980>something

00:17:41.620 --> 00:17:45.535
<00:17:41.620>and <00:17:41.719>our <00:17:41.820>Stripe <00:17:41.919>Tax <00:17:42.020>team, <00:17:42.120>which <00:17:42.219>provide <00:17:42.320>a <00:17:42.419>software <00:17:42.520>as <00:17:42.620>a <00:17:42.719>service <00:17:42.820>product <00:17:42.919>for <00:17:43.020>calculating

00:17:45.535 --> 00:17:48.575
<00:17:45.535>sales <00:17:45.675>tax <00:17:45.815>R2, <00:17:45.955>they <00:17:46.095>really <00:17:46.235>need <00:17:46.375>to <00:17:46.515>have <00:17:46.655>the <00:17:46.795>same <00:17:46.935>core

00:17:48.655 --> 00:17:49.695
understanding

00:17:49.695 --> 00:17:54.735
<00:17:49.695>of <00:17:49.811>concepts <00:17:49.928>like <00:17:50.044>transactions <00:17:50.161>and <00:17:50.278>businesses <00:17:50.395>and <00:17:50.511>consumers <00:17:50.628>and <00:17:50.745>countries. <00:17:50.861>And <00:17:50.978>so <00:17:51.095>the

00:17:54.735 --> 00:17:58.335
<00:17:54.735>sensible <00:17:54.842>architecture <00:17:54.950>that <00:17:55.058>underlies <00:17:55.165>all <00:17:55.273>of <00:17:55.381>this <00:17:55.488>needs <00:17:55.596>to <00:17:55.704>expose <00:17:55.811>those <00:17:55.919>kind <00:17:56.027>of <00:17:56.135>primitives

00:17:58.790 --> 00:18:01.350
<00:17:58.790>so <00:17:58.965>that <00:17:59.139>the <00:17:59.315>products <00:17:59.490>can <00:17:59.665>work <00:17:59.840>really <00:18:00.014>well <00:18:00.190>together.

00:18:02.550 --> 00:18:07.830
<00:18:02.550>Yeah, <00:18:02.657>that's <00:18:02.765>interesting. <00:18:02.873>Yeah, <00:18:02.980>and <00:18:03.088>that's <00:18:03.196>also <00:18:03.303>because <00:18:03.411>now, <00:18:03.519>like <00:18:03.626>as <00:18:03.734>of <00:18:03.842>today, <00:18:03.950>Stripe

00:18:07.830 --> 00:18:09.110
<00:18:07.830>has <00:18:08.118>a <00:18:08.406>lot <00:18:08.694>of <00:18:08.982>products,

00:18:10.230 --> 00:18:13.190
<00:18:10.230>but <00:18:10.463>they're <00:18:10.696>all <00:18:10.930>tied <00:18:11.163>somewhat <00:18:11.396>together <00:18:11.630>because

00:18:14.915 --> 00:18:17.075
<00:18:14.915>at <00:18:15.115>the <00:18:15.315>very <00:18:15.514>end <00:18:15.715>there <00:18:15.915>is <00:18:16.115>a <00:18:16.315>transaction

00:18:17.315 --> 00:18:21.155
<00:18:17.315>and <00:18:17.470>this <00:18:17.626>is <00:18:17.781>almost <00:18:17.937>part <00:18:18.092>of <00:18:18.248>all <00:18:18.403>the <00:18:18.559>different <00:18:18.715>products

00:18:21.235 --> 00:18:22.435
<00:18:21.235>that <00:18:21.774>you're <00:18:22.315>offering.

00:18:22.675 --> 00:18:24.275
<00:18:22.675>So <00:18:24.075>it's

00:18:24.275 --> 00:18:25.555
<00:18:24.275>probably <00:18:24.851>more <00:18:25.427>like

00:18:26.275 --> 00:18:30.660
<00:18:26.275>different <00:18:26.402>functions, <00:18:26.529>but <00:18:26.656>everybody <00:18:26.784>needs <00:18:26.911>to <00:18:27.038>somehow <00:18:27.165>know <00:18:27.293>a <00:18:27.420>little <00:18:27.547>bit <00:18:27.675>about

00:18:31.060 --> 00:18:32.340
<00:18:31.060>the <00:18:32.212>underlying

00:18:32.660 --> 00:18:37.220
<00:18:32.660>layered <00:18:32.787>API <00:18:32.914>and <00:18:33.041>everything. <00:18:33.169>So <00:18:33.296>this <00:18:33.423>knowledge <00:18:33.550>also <00:18:33.678>has <00:18:33.805>to <00:18:33.932>be <00:18:34.060>transferred

00:18:37.780 --> 00:18:39.140
<00:18:37.780>between <00:18:38.392>those <00:18:39.004>groups.

00:18:39.620 --> 00:18:44.420
<00:18:39.620>Can <00:18:39.736>you <00:18:39.853>maybe <00:18:39.969>give <00:18:40.086>us <00:18:40.203>some <00:18:40.320>like <00:18:40.436>also <00:18:40.553>tactical <00:18:40.669>advice? <00:18:40.786>Like <00:18:40.903>how <00:18:41.020>can

00:18:44.980 --> 00:18:49.675
<00:18:44.980>you <00:18:45.096>manage <00:18:45.213>this? <00:18:45.330>Yeah. <00:18:45.446>So <00:18:45.563>I <00:18:45.680>think <00:18:45.796>the <00:18:45.913>real <00:18:46.030>trick <00:18:46.146>is <00:18:46.263>to <00:18:46.380>encapsulate

00:18:49.675 --> 00:18:50.715
<00:18:49.675>the <00:18:50.610>complexity

00:18:51.435 --> 00:18:52.235
behind

00:18:53.115 --> 00:18:57.515
<00:18:53.115>shared <00:18:53.215>concepts, <00:18:53.315>but <00:18:53.415>then <00:18:53.515>make <00:18:53.615>sure <00:18:53.715>that <00:18:53.815>the <00:18:53.915>shared <00:18:54.015>concept <00:18:54.115>is <00:18:54.215>as <00:18:54.315>simple <00:18:54.415>as <00:18:54.515>possible,

00:18:57.515 --> 00:19:00.930
<00:18:57.515>but <00:18:57.597>then <00:18:57.679>multiple <00:18:57.762>teams <00:18:57.844>can <00:18:57.926>engage <00:18:58.009>with. <00:18:58.091>If <00:18:58.173>we <00:18:58.256>just <00:18:58.338>take <00:18:58.420>a <00:18:58.503>step <00:18:58.585>back, <00:18:58.667>I <00:18:58.750>think <00:18:58.832>this <00:18:58.915>is

00:19:00.930 --> 00:19:05.250
<00:19:00.930>actually <00:19:01.046>a <00:19:01.163>really <00:19:01.280>interesting <00:19:01.396>topic <00:19:01.513>because <00:19:01.630>it's <00:19:01.746>not <00:19:01.863>actually <00:19:01.980>obvious <00:19:02.096>that <00:19:02.213>every <00:19:02.330>company

00:19:05.250 --> 00:19:08.850
<00:19:05.250>in <00:19:05.405>the <00:19:05.561>world <00:19:05.716>should <00:19:05.872>care <00:19:06.027>about <00:19:06.183>having <00:19:06.338>a <00:19:06.494>sensible <00:19:06.650>architecture.

00:19:09.010 --> 00:19:10.690
<00:19:09.010>So, <00:19:09.243>I <00:19:09.476>mean, <00:19:09.710>take <00:19:09.943>LG <00:19:10.176>for <00:19:10.410>instance.

00:19:11.805 --> 00:19:17.005
<00:19:11.805>It's <00:19:11.898>not <00:19:11.991>super <00:19:12.085>obvious <00:19:12.178>that <00:19:12.271>their <00:19:12.365>fridges <00:19:12.458>and <00:19:12.551>their <00:19:12.645>TVs <00:19:12.738>need <00:19:12.831>to <00:19:12.925>work <00:19:13.018>really <00:19:13.111>well <00:19:13.205>together.

00:19:17.405 --> 00:19:19.485
<00:19:17.405>But <00:19:17.638>I <00:19:17.871>actually <00:19:18.105>think <00:19:18.338>in <00:19:18.571>financial <00:19:18.805>services,

00:19:19.565 --> 00:19:23.965
<00:19:19.565>it <00:19:19.665>is <00:19:19.765>really <00:19:19.865>important <00:19:19.965>that <00:19:20.065>almost <00:19:20.165>all <00:19:20.265>products <00:19:20.365>work <00:19:20.465>together. <00:19:20.565>So <00:19:20.665>we <00:19:20.765>just <00:19:20.865>think <00:19:20.965>about

00:19:23.965 --> 00:19:24.685
<00:19:23.965>your <00:19:24.289>own <00:19:24.612>bank.

00:19:25.550 --> 00:19:26.110
If

00:19:26.750 --> 00:19:31.870
<00:19:26.750>you <00:19:26.823>have <00:19:26.897>a <00:19:26.971>bank <00:19:27.044>account <00:19:27.118>with <00:19:27.192>a <00:19:27.265>bank <00:19:27.339>and <00:19:27.413>you <00:19:27.486>go <00:19:27.560>to <00:19:27.634>talk <00:19:27.707>to <00:19:27.781>them <00:19:27.855>about <00:19:27.928>a <00:19:28.002>home <00:19:28.076>loan, <00:19:28.150>you'd

00:19:31.870 --> 00:19:35.390
<00:19:31.870>be <00:19:31.969>really <00:19:32.070>surprised <00:19:32.169>if <00:19:32.270>they <00:19:32.370>didn't <00:19:32.469>actually <00:19:32.570>understand <00:19:32.669>who <00:19:32.770>you <00:19:32.870>were <00:19:32.969>already <00:19:33.070>and <00:19:33.169>all <00:19:33.270>the

00:19:35.390 --> 00:19:38.670
<00:19:35.390>data <00:19:35.497>about <00:19:35.605>your <00:19:35.713>creditworthiness <00:19:35.820>and <00:19:35.928>so <00:19:36.036>forth <00:19:36.143>because <00:19:36.251>you <00:19:36.359>already <00:19:36.466>banked <00:19:36.574>with <00:19:36.682>them, <00:19:36.790>right?

00:19:39.705 --> 00:19:41.785
<00:19:39.705>And <00:19:39.985>in <00:19:40.264>actual <00:19:40.544>fact, <00:19:40.824>we <00:19:41.105>see

00:19:41.945 --> 00:19:42.985
<00:19:41.945>a <00:19:42.413>lot <00:19:42.880>of

00:19:43.785 --> 00:19:46.585
<00:19:43.785>retail <00:19:44.018>banks <00:19:44.251>that <00:19:44.485>were <00:19:44.718>built <00:19:44.951>on <00:19:45.185>technology

00:19:46.665 --> 00:19:51.465
<00:19:46.665>from <00:19:46.764>the <00:19:46.865>60s <00:19:46.965>and <00:19:47.065>70s <00:19:47.165>that's <00:19:47.264>kind <00:19:47.365>of <00:19:47.465>mainframe <00:19:47.565>oriented <00:19:47.665>actually <00:19:47.764>really <00:19:47.865>finding <00:19:47.965>it <00:19:48.065>quite

00:19:51.465 --> 00:19:53.945
<00:19:51.465>difficult <00:19:51.698>to <00:19:51.931>scale <00:19:52.165>into <00:19:52.398>the <00:19:52.631>internet <00:19:52.865>age

00:19:54.270 --> 00:19:58.430
<00:19:54.270>because <00:19:54.357>they're <00:19:54.445>limited <00:19:54.532>by <00:19:54.620>some <00:19:54.707>of <00:19:54.795>the <00:19:54.882>choices <00:19:54.970>that <00:19:55.057>they <00:19:55.145>made <00:19:55.232>back <00:19:55.320>then. <00:19:55.407>I <00:19:55.495>read <00:19:55.582>an <00:19:55.670>article

00:19:58.430 --> 00:19:59.870
<00:19:58.430>actually <00:19:58.862>literally <00:19:59.293>this <00:19:59.726>morning

00:20:00.350 --> 00:20:01.150
about

00:20:02.190 --> 00:20:05.950
<00:20:02.190>a <00:20:02.330>bank <00:20:02.470>in <00:20:02.610>The <00:20:02.750>Netherlands <00:20:02.890>that's <00:20:03.030>having <00:20:03.170>trouble <00:20:03.310>complying <00:20:03.450>with <00:20:03.590>GDPR

00:20:05.950 --> 00:20:08.270
<00:20:05.950>because <00:20:06.183>they <00:20:06.416>can't <00:20:06.650>actually <00:20:06.883>understand <00:20:07.116>people's <00:20:07.350>names

00:20:09.185 --> 00:20:10.865
<00:20:09.185>because <00:20:09.651>they <00:20:10.118>don't <00:20:10.585>the

00:20:11.345 --> 00:20:12.305
eptic

00:20:12.945 --> 00:20:17.425
<00:20:12.945>text <00:20:13.061>encoding <00:20:13.178>that <00:20:13.294>they <00:20:13.411>use, <00:20:13.528>which <00:20:13.645>is <00:20:13.761>a <00:20:13.878>kind <00:20:13.995>of <00:20:14.111>IBM <00:20:14.228>based <00:20:14.345>1960s

00:20:17.425 --> 00:20:18.945
<00:20:17.425>mainframe <00:20:18.793>oriented

00:20:19.905 --> 00:20:21.425
<00:20:19.905>text <00:20:20.360>encoding <00:20:20.817>standard, <00:20:21.273>it

00:20:22.145 --> 00:20:25.560
<00:20:22.145>can't <00:20:22.320>represent <00:20:22.495>accents <00:20:22.670>and <00:20:22.845>circumflexes <00:20:23.020>and <00:20:23.195>so <00:20:23.370>forth. <00:20:23.545>So

00:20:25.960 --> 00:20:29.880
<00:20:25.960>it's <00:20:26.076>a <00:20:26.193>good <00:20:26.310>example <00:20:26.426>of <00:20:26.543>how <00:20:26.660>having <00:20:26.776>the <00:20:26.893>right <00:20:27.010>sensible <00:20:27.126>architecture <00:20:27.243>really <00:20:27.360>matters.

00:20:31.800 --> 00:20:32.840
<00:20:31.800>So <00:20:32.735>then

00:20:33.160 --> 00:20:34.280
<00:20:33.160>at <00:20:34.168>Stripe,

00:20:34.680 --> 00:20:37.265
<00:20:34.680>being <00:20:35.030>in <00:20:35.380>this <00:20:35.730>financial <00:20:36.080>infrastructure

00:20:37.265 --> 00:20:41.425
<00:20:37.265>domain, <00:20:37.372>we <00:20:37.480>think <00:20:37.588>it's <00:20:37.695>very <00:20:37.803>important <00:20:37.911>that <00:20:38.018>our <00:20:38.126>products <00:20:38.234>do <00:20:38.341>interoperate. <00:20:38.449>So <00:20:38.557>think <00:20:38.665>about

00:20:41.425 --> 00:20:44.945
<00:20:41.425>some <00:20:41.580>of <00:20:41.736>our <00:20:41.891>users. <00:20:42.047>Take <00:20:42.202>Zoom, <00:20:42.358>for <00:20:42.513>instance. <00:20:42.669>So <00:20:42.825>Zoom,

00:20:44.945 --> 00:20:49.905
<00:20:44.945>which <00:20:45.027>I <00:20:45.109>use <00:20:45.192>every <00:20:45.274>day <00:20:45.356>to <00:20:45.439>talk <00:20:45.521>to <00:20:45.603>people <00:20:45.686>around <00:20:45.768>the <00:20:45.850>world, <00:20:45.933>they <00:20:46.015>use <00:20:46.097>Stripe <00:20:46.180>to <00:20:46.262>accept <00:20:46.345>payments

00:20:49.905 --> 00:20:55.560
<00:20:49.905>from <00:20:50.012>around <00:20:50.120>the <00:20:50.228>world. <00:20:50.335>For <00:20:50.443>instance, <00:20:50.551>they <00:20:50.658>can <00:20:50.766>use <00:20:50.874>some <00:20:50.981>of <00:20:51.089>the <00:20:51.197>most <00:20:51.305>new

00:20:55.560 --> 00:21:00.840
<00:20:55.560>but <00:20:55.659>kind <00:20:55.760>of <00:20:55.860>esoteric <00:20:55.960>from <00:20:56.060>a <00:20:56.159>US <00:20:56.260>perspective <00:20:56.360>payment <00:20:56.460>methods <00:20:56.560>in <00:20:56.659>countries <00:20:56.760>like <00:20:56.860>Japan, <00:20:56.960>Furukumi.

00:21:01.160 --> 00:21:04.665
<00:21:01.160>They <00:21:01.267>can <00:21:01.375>also <00:21:01.483>support <00:21:01.590>credit <00:21:01.698>cards <00:21:01.806>and <00:21:01.913>everything <00:21:02.021>you <00:21:02.129>would <00:21:02.236>expect. <00:21:02.344>So <00:21:02.452>they're <00:21:02.560>using

00:21:04.665 --> 00:21:09.065
<00:21:04.665>Stripe <00:21:04.764>to <00:21:04.865>bring <00:21:04.965>money <00:21:05.065>into <00:21:05.165>their <00:21:05.264>business <00:21:05.365>and <00:21:05.465>they <00:21:05.565>can <00:21:05.665>use <00:21:05.764>our <00:21:05.865>optimized <00:21:05.965>payments <00:21:06.065>UI

00:21:09.065 --> 00:21:13.705
<00:21:09.065>with <00:21:09.158>payment <00:21:09.251>element <00:21:09.345>to <00:21:09.438>do <00:21:09.531>that, <00:21:09.625>but <00:21:09.718>they <00:21:09.811>also <00:21:09.905>need <00:21:09.998>to <00:21:10.091>use <00:21:10.185>Stripe <00:21:10.278>to <00:21:10.371>combat <00:21:10.465>fraud

00:21:13.865 --> 00:21:15.865
<00:21:13.865>and <00:21:14.065>to <00:21:14.265>be <00:21:14.465>able <00:21:14.665>to <00:21:14.865>analyze <00:21:15.065>their <00:21:15.265>data

00:21:16.580 --> 00:21:17.380
using

00:21:17.540 --> 00:21:23.300
<00:21:17.540>our <00:21:17.627>Sigma <00:21:17.715>and <00:21:17.802>Data <00:21:17.889>Pipeline <00:21:17.977>products <00:21:18.065>down <00:21:18.152>the <00:21:18.240>line. <00:21:18.327>So <00:21:18.415>the <00:21:18.502>point <00:21:18.590>is <00:21:18.677>if <00:21:18.764>our <00:21:18.852>systems <00:21:18.940>didn't

00:21:23.300 --> 00:21:27.220
<00:21:23.300>interoperate <00:21:23.416>with <00:21:23.533>each <00:21:23.649>other, <00:21:23.766>then <00:21:23.883>those <00:21:24.000>products <00:21:24.116>couldn't <00:21:24.233>work <00:21:24.350>together <00:21:24.466>and <00:21:24.583>Zoom <00:21:24.700>would

00:21:27.220 --> 00:21:29.220
<00:21:27.220>not <00:21:27.420>get <00:21:27.620>the <00:21:27.820>full <00:21:28.020>value <00:21:28.220>of <00:21:28.420>our <00:21:28.620>suite.

00:21:29.985 --> 00:21:34.145
<00:21:29.985>And <00:21:30.072>the <00:21:30.159>same <00:21:30.247>thing <00:21:30.334>goes <00:21:30.422>for <00:21:30.510>so <00:21:30.597>many <00:21:30.685>businesses <00:21:30.772>building <00:21:30.860>on <00:21:30.947>Stripe. <00:21:31.034>So <00:21:31.122>for <00:21:31.209>us, <00:21:31.297>this <00:21:31.385>really

00:21:34.145 --> 00:21:37.665
<00:21:34.145>matters, <00:21:34.300>and <00:21:34.456>that's <00:21:34.611>why <00:21:34.767>we <00:21:34.922>really <00:21:35.078>sweat <00:21:35.233>the <00:21:35.389>details <00:21:35.545>on

00:21:38.065 --> 00:21:42.465
<00:21:38.065>essentially <00:21:38.165>like <00:21:38.265>data <00:21:38.365>and <00:21:38.465>domain <00:21:38.565>modeling <00:21:38.665>to <00:21:38.765>make <00:21:38.865>sure <00:21:38.965>that <00:21:39.065>the <00:21:39.165>core <00:21:39.265>primitives <00:21:39.365>in <00:21:39.465>our

00:21:42.465 --> 00:21:43.585
API

00:21:43.270 --> 00:21:47.350
<00:21:43.270>really <00:21:43.370>represent <00:21:43.470>those <00:21:43.570>concepts <00:21:43.670>in <00:21:43.770>a <00:21:43.870>consistent <00:21:43.970>way <00:21:44.070>that <00:21:44.170>can <00:21:44.270>be <00:21:44.370>used <00:21:44.470>for <00:21:44.570>the <00:21:44.670>products

00:21:47.350 --> 00:21:52.070
<00:21:47.350>we <00:21:47.437>have <00:21:47.524>today <00:21:47.612>and <00:21:47.699>that <00:21:47.787>we <00:21:47.875>think <00:21:47.962>will <00:21:48.050>scale <00:21:48.137>for <00:21:48.225>the <00:21:48.312>products <00:21:48.399>that <00:21:48.487>we <00:21:48.574>will <00:21:48.662>have <00:21:48.750>tomorrow.

00:21:52.230 --> 00:21:53.270
And

00:21:53.350 --> 00:21:54.230
<00:21:53.350>we <00:21:54.142>actually

00:21:54.470 --> 00:21:59.335
<00:21:54.470>spent, <00:21:54.563>I <00:21:54.656>think, <00:21:54.750>maybe <00:21:54.843>a <00:21:54.936>surprising <00:21:55.030>amount <00:21:55.123>of <00:21:55.216>time <00:21:55.310>on <00:21:55.403>this. <00:21:55.496>The <00:21:55.590>very <00:21:55.683>early <00:21:55.776>Stripe <00:21:55.870>team,

00:21:59.335 --> 00:22:04.215
<00:21:59.335>by <00:21:59.435>the <00:21:59.535>way, <00:21:59.635>rewrote <00:21:59.735>the <00:21:59.835>core <00:21:59.935>Stripe <00:22:00.035>API <00:22:00.135>three <00:22:00.235>times <00:22:00.335>before <00:22:00.435>they <00:22:00.535>actually <00:22:00.635>shipped <00:22:00.735>it,

00:22:05.015 --> 00:22:08.695
<00:22:05.015>as <00:22:05.102>we <00:22:05.190>learn <00:22:05.277>more <00:22:05.365>and <00:22:05.452>more <00:22:05.540>about <00:22:05.627>the <00:22:05.715>companies <00:22:05.802>that <00:22:05.890>we're <00:22:05.977>going <00:22:06.065>to <00:22:06.152>be <00:22:06.240>building <00:22:06.327>on <00:22:06.415>Stripe.

00:22:08.695 --> 00:22:13.020
<00:22:08.695>For <00:22:08.802>a <00:22:08.910>startup <00:22:09.018>company, <00:22:09.125>that's <00:22:09.233>pretty <00:22:09.341>unheard <00:22:09.448>of. <00:22:09.556>And <00:22:09.664>that <00:22:09.771>same <00:22:09.879>kind <00:22:09.987>of <00:22:10.095>core

00:22:13.420 --> 00:22:18.460
<00:22:13.420>thoughtfulness <00:22:13.536>about <00:22:13.653>primitives <00:22:13.770>carries <00:22:13.886>through <00:22:14.003>to <00:22:14.120>today. <00:22:14.236>So <00:22:14.353>at <00:22:14.470>our <00:22:14.586>current <00:22:14.703>scale, <00:22:14.820>we

00:22:18.460 --> 00:22:22.060
<00:22:18.460>have <00:22:18.693>a <00:22:18.926>group <00:22:19.160>called <00:22:19.393>our <00:22:19.626>API <00:22:19.860>reviewers

00:22:22.220 --> 00:22:26.825
<00:22:22.220>who <00:22:22.375>are <00:22:22.531>experts <00:22:22.686>in <00:22:22.842>some <00:22:22.997>individual <00:22:23.153>domains, <00:22:23.308>but <00:22:23.464>then <00:22:23.620>also

00:22:28.345 --> 00:22:33.065
<00:22:28.345>encouraged <00:22:28.472>and <00:22:28.599>supported <00:22:28.726>to <00:22:28.854>build <00:22:28.981>context <00:22:29.108>across <00:22:29.235>the <00:22:29.363>whole <00:22:29.490>of <00:22:29.617>our <00:22:29.745>surface.

00:22:33.145 --> 00:22:34.505
<00:22:33.145>And <00:22:33.553>then <00:22:33.961>those <00:22:34.369>folks

00:22:34.825 --> 00:22:37.065
<00:22:34.825>are <00:22:35.105>able <00:22:35.385>to <00:22:35.665>help <00:22:35.945>produce <00:22:36.225>this

00:22:37.940 --> 00:22:42.340
<00:22:37.940>well <00:22:38.033>organized <00:22:38.126>set <00:22:38.220>of <00:22:38.313>primitives <00:22:38.406>in <00:22:38.500>concert <00:22:38.593>with <00:22:38.686>all <00:22:38.780>of <00:22:38.873>the <00:22:38.966>small <00:22:39.060>teams <00:22:39.153>I <00:22:39.246>talked <00:22:39.340>about,

00:22:42.660 --> 00:22:45.220
<00:22:42.660>as <00:22:42.815>we <00:22:42.971>evolve <00:22:43.126>the <00:22:43.282>API <00:22:43.437>and <00:22:43.593>the <00:22:43.748>products <00:22:43.904>going <00:22:44.060>forward.

00:22:45.620 --> 00:22:46.260
Mhmm.

00:22:46.820 --> 00:22:49.060
<00:22:46.820>Yeah. <00:22:47.286>It's <00:22:47.753>it's <00:22:48.220>interesting,

00:22:49.380 --> 00:22:53.425
<00:22:49.380>because <00:22:49.496>you <00:22:49.613>mentioned, <00:22:49.730>like, <00:22:49.846>banks, <00:22:49.963>and <00:22:50.080>they <00:22:50.196>often <00:22:50.313>have <00:22:50.430>these <00:22:50.546>old <00:22:50.663>infrastructures <00:22:50.780>and

00:22:53.425 --> 00:22:58.385
<00:22:53.425>they <00:22:53.541>have <00:22:53.658>to <00:22:53.774>get <00:22:53.891>developers <00:22:54.008>back <00:22:54.125>from <00:22:54.241>nursery <00:22:54.358>homes <00:22:54.475>to <00:22:54.591>do <00:22:54.708>COBOL <00:22:54.825>stuff.

00:22:59.265 --> 00:23:00.385
There's

00:23:00.385 --> 00:23:02.145
<00:23:00.385>insane <00:23:00.851>stories <00:23:01.318>about <00:23:01.785>this.

00:23:02.545 --> 00:23:03.185
<00:23:02.545>But <00:23:02.737>on <00:23:02.929>other <00:23:03.120>hand,

00:23:05.170 --> 00:23:07.090
<00:23:05.170>to <00:23:05.450>be <00:23:05.730>fair, <00:23:06.010>I <00:23:06.290>mean, <00:23:06.570>it's

00:23:07.090 --> 00:23:09.410
<00:23:07.090>business <00:23:07.439>critical <00:23:07.790>services <00:23:08.139>they <00:23:08.490>offer.

00:23:09.650 --> 00:23:10.130
And

00:23:10.530 --> 00:23:13.730
<00:23:10.530>one <00:23:10.730>way <00:23:10.930>is <00:23:11.129>to <00:23:11.330>never <00:23:11.530>change <00:23:11.730>anything <00:23:11.930>because

00:23:14.130 --> 00:23:15.330
<00:23:14.130>then <00:23:14.670>it <00:23:15.210>runs.

00:23:15.810 --> 00:23:19.250
<00:23:15.810>Which <00:23:16.010>brings <00:23:16.210>me <00:23:16.409>to <00:23:16.610>my <00:23:16.810>next <00:23:17.010>question <00:23:17.210>because

00:23:19.835 --> 00:23:21.035
<00:23:19.835>at <00:23:20.915>Stripe,

00:23:21.675 --> 00:23:24.475
<00:23:21.675>you're <00:23:21.875>fast <00:23:22.075>paced <00:23:22.274>also <00:23:22.475>in <00:23:22.675>terms <00:23:22.875>of <00:23:23.075>technology

00:23:24.955 --> 00:23:25.595
and

00:23:26.075 --> 00:23:31.355
<00:23:26.075>it's <00:23:26.202>critical. <00:23:26.329>So <00:23:26.456>it's <00:23:26.584>really <00:23:26.711>business <00:23:26.838>critical. <00:23:26.965>So <00:23:27.093>if <00:23:27.220>your <00:23:27.347>service <00:23:27.475>fails

00:23:31.435 --> 00:23:36.680
<00:23:31.435>in <00:23:31.610>my <00:23:31.784>online <00:23:31.960>job, <00:23:32.135>I <00:23:32.310>lose <00:23:32.485>money. <00:23:32.659>And <00:23:32.835>so

00:23:37.640 --> 00:23:38.520
how

00:23:38.520 --> 00:23:39.880
<00:23:38.520>can <00:23:39.132>you <00:23:39.744>scale

00:23:39.880 --> 00:23:41.640
<00:23:39.880>this <00:23:40.230>kind <00:23:40.580>of <00:23:40.930>technology? <00:23:41.280>Or

00:23:42.680 --> 00:23:45.880
<00:23:42.680>what <00:23:42.807>do <00:23:42.934>you <00:23:43.061>do <00:23:43.189>and <00:23:43.316>what <00:23:43.443>are <00:23:43.570>the <00:23:43.698>challenges <00:23:43.825>as <00:23:43.952>a <00:23:44.080>CTO

00:23:45.880 --> 00:23:46.680
to

00:23:47.400 --> 00:23:52.525
<00:23:47.400>really <00:23:47.575>have <00:23:47.750>this <00:23:47.925>critical <00:23:48.100>service <00:23:48.275>running <00:23:48.450>20 <00:23:48.625>fourseven? <00:23:48.800>You're

00:23:52.525 --> 00:23:56.365
<00:23:52.525>absolutely <00:23:52.612>right. <00:23:52.700>And <00:23:52.787>this <00:23:52.875>is <00:23:52.962>actually <00:23:53.050>where <00:23:53.137>I've <00:23:53.225>spent <00:23:53.312>a <00:23:53.400>lot <00:23:53.487>of <00:23:53.575>my <00:23:53.662>energy <00:23:53.750>as <00:23:53.837>CTO <00:23:53.925>over

00:23:56.365 --> 00:24:01.005
<00:23:56.365>the <00:23:56.481>last <00:23:56.598>few <00:23:56.715>years <00:23:56.831>at <00:23:56.948>Stripe. <00:23:57.065>So <00:23:57.181>we <00:23:57.298>operate <00:23:57.415>in <00:23:57.531>this <00:23:57.648>domain <00:23:57.765>where

00:24:01.870 --> 00:24:03.470
<00:24:01.870>doing <00:24:02.570>things <00:24:03.270>reliably

00:24:03.870 --> 00:24:08.270
<00:24:03.870>is <00:24:04.025>really <00:24:04.181>important. <00:24:04.336>As <00:24:04.492>you <00:24:04.647>just <00:24:04.803>mentioned, <00:24:04.958>if <00:24:05.114>Stripe <00:24:05.270>would

00:24:08.270 --> 00:24:12.670
<00:24:08.270>happen <00:24:08.363>to <00:24:08.456>be <00:24:08.550>done, <00:24:08.643>then <00:24:08.736>there <00:24:08.830>are <00:24:08.923>so <00:24:09.016>many <00:24:09.110>millions <00:24:09.203>of <00:24:09.296>businesses <00:24:09.389>around <00:24:09.483>the <00:24:09.576>world <00:24:09.670>that

00:24:12.670 --> 00:24:16.945
<00:24:12.670>are <00:24:12.763>not <00:24:12.856>able <00:24:12.950>to <00:24:13.043>just <00:24:13.136>bring <00:24:13.230>money <00:24:13.323>in, <00:24:13.416>their <00:24:13.510>businesses <00:24:13.603>have <00:24:13.696>gone <00:24:13.790>to <00:24:13.883>a <00:24:13.976>halt. <00:24:14.070>So

00:24:17.265 --> 00:24:18.705
<00:24:17.265>operational <00:24:18.561>excellence

00:24:18.705 --> 00:24:22.625
<00:24:18.705>really, <00:24:18.804>really <00:24:18.905>matters <00:24:19.004>in <00:24:19.105>our <00:24:19.205>business <00:24:19.304>and <00:24:19.405>it <00:24:19.504>matters <00:24:19.605>in <00:24:19.705>many <00:24:19.804>other <00:24:19.905>businesses <00:24:20.004>out <00:24:20.105>there.

00:24:23.025 --> 00:24:23.505
And

00:24:24.065 --> 00:24:29.825
<00:24:24.065>as <00:24:24.152>you <00:24:24.240>mentioned, <00:24:24.327>one <00:24:24.415>way <00:24:24.502>to <00:24:24.590>be <00:24:24.677>more <00:24:24.765>reliable <00:24:24.852>is <00:24:24.940>just <00:24:25.027>to <00:24:25.115>not <00:24:25.202>change <00:24:25.290>things <00:24:25.377>very <00:24:25.465>often.

00:24:30.910 --> 00:24:35.230
<00:24:30.910>And <00:24:31.003>some <00:24:31.096>of <00:24:31.190>those <00:24:31.283>legacy <00:24:31.376>systems <00:24:31.470>that <00:24:31.563>we <00:24:31.656>just <00:24:31.750>talked <00:24:31.843>about, <00:24:31.936>they <00:24:32.030>will <00:24:32.123>typically <00:24:32.216>go <00:24:32.310>through

00:24:35.230 --> 00:24:39.230
<00:24:35.230>very <00:24:35.330>slow <00:24:35.430>evolution <00:24:35.530>where <00:24:35.630>they <00:24:35.730>might <00:24:35.830>just <00:24:35.930>release <00:24:36.030>a <00:24:36.130>new <00:24:36.230>version <00:24:36.330>of <00:24:36.430>their <00:24:36.530>system <00:24:36.630>once

00:24:39.230 --> 00:24:43.950
<00:24:39.230>a <00:24:39.317>year, <00:24:39.405>and <00:24:39.492>they <00:24:39.580>might <00:24:39.667>spend <00:24:39.755>months <00:24:39.842>and <00:24:39.930>months <00:24:40.017>kind <00:24:40.105>of <00:24:40.192>doing <00:24:40.280>focused <00:24:40.367>QA <00:24:40.455>on <00:24:40.542>a <00:24:40.630>branch,

00:24:44.110 --> 00:24:44.990
<00:24:44.110>to <00:24:44.268>make <00:24:44.426>sure <00:24:44.585>that <00:24:44.743>it's <00:24:44.902>ready.

00:24:45.865 --> 00:24:49.065
<00:24:45.865>We <00:24:45.965>don't <00:24:46.065>take <00:24:46.165>that <00:24:46.265>approach <00:24:46.365>at <00:24:46.465>Stripe <00:24:46.565>at <00:24:46.665>all, <00:24:46.765>and <00:24:46.865>I <00:24:46.965>don't <00:24:47.065>think <00:24:47.165>we <00:24:47.265>could.

00:24:49.385 --> 00:24:51.705
<00:24:49.385>As <00:24:49.735>I've <00:24:50.085>hopefully <00:24:50.435>already <00:24:50.785>explained,

00:24:51.865 --> 00:24:57.465
<00:24:51.865>payments <00:24:51.958>is <00:24:52.051>not <00:24:52.145>static. <00:24:52.238>Like <00:24:52.331>the <00:24:52.425>world <00:24:52.518>is <00:24:52.611>moving <00:24:52.705>at <00:24:52.798>a <00:24:52.891>blistering <00:24:52.985>pace <00:24:53.078>as <00:24:53.171>consumers <00:24:53.265>choose

00:24:57.465 --> 00:25:01.610
<00:24:57.465>to <00:24:57.552>transact <00:24:57.639>in <00:24:57.727>new <00:24:57.814>ways, <00:24:57.902>new <00:24:57.990>business <00:24:58.077>models <00:24:58.165>come <00:24:58.252>along <00:24:58.340>and <00:24:58.427>so <00:24:58.514>forth. <00:24:58.602>So <00:24:58.689>our <00:24:58.777>users, <00:24:58.865>the

00:25:01.610 --> 00:25:05.930
<00:25:01.610>businesses <00:25:01.717>building <00:25:01.825>on <00:25:01.933>Stripe, <00:25:02.040>actually <00:25:02.148>need <00:25:02.256>us <00:25:02.363>to <00:25:02.471>move <00:25:02.579>quickly <00:25:02.686>and <00:25:02.794>evolve <00:25:02.902>our <00:25:03.010>platform

00:25:06.010 --> 00:25:10.570
<00:25:06.010>so <00:25:06.103>that <00:25:06.196>they <00:25:06.290>are <00:25:06.383>able <00:25:06.476>to <00:25:06.570>maximize <00:25:06.663>their <00:25:06.756>revenue, <00:25:06.850>have <00:25:06.943>the <00:25:07.036>best <00:25:07.129>and <00:25:07.223>most <00:25:07.316>efficient <00:25:07.410>operations

00:25:10.570 --> 00:25:14.865
<00:25:10.570>without <00:25:10.657>having <00:25:10.745>to <00:25:10.832>spend <00:25:10.919>their <00:25:11.007>own <00:25:11.095>energy <00:25:11.182>kind <00:25:11.270>of <00:25:11.357>figuring <00:25:11.445>out <00:25:11.532>how <00:25:11.620>to <00:25:11.707>keep <00:25:11.794>up <00:25:11.882>with <00:25:11.970>all

00:25:14.865 --> 00:25:20.145
<00:25:14.865>of <00:25:14.952>these <00:25:15.040>trends. <00:25:15.127>So <00:25:15.215>it <00:25:15.302>matters <00:25:15.390>to <00:25:15.477>us <00:25:15.565>that <00:25:15.652>we <00:25:15.740>both <00:25:15.827>offer <00:25:15.915>a <00:25:16.002>really <00:25:16.090>reliable <00:25:16.177>platform <00:25:16.265>and

00:25:20.145 --> 00:25:23.985
<00:25:20.145>we <00:25:20.238>move <00:25:20.331>fast <00:25:20.425>on <00:25:20.518>the <00:25:20.611>product. <00:25:20.705>And <00:25:20.798>those <00:25:20.891>two <00:25:20.985>things <00:25:21.078>are <00:25:21.171>definitely <00:25:21.264>in <00:25:21.358>tension <00:25:21.451>with <00:25:21.545>each

00:25:23.985 --> 00:25:28.460
<00:25:23.985>other. <00:25:24.072>Actually, <00:25:24.159>I <00:25:24.247>give <00:25:24.334>a <00:25:24.422>I <00:25:24.510>give <00:25:24.597>a <00:25:24.685>talk <00:25:24.772>to <00:25:24.860>all <00:25:24.947>new, <00:25:25.034>starters <00:25:25.122>at <00:25:25.209>Stripe <00:25:25.297>in <00:25:25.385>engineering.

00:25:28.460 --> 00:25:32.460
<00:25:28.460>I <00:25:28.547>specifically <00:25:28.635>call <00:25:28.722>this <00:25:28.810>out, <00:25:28.897>like, <00:25:28.985>we <00:25:29.072>are <00:25:29.160>doing <00:25:29.247>a <00:25:29.335>thing <00:25:29.422>that <00:25:29.510>is <00:25:29.597>harder <00:25:29.685>and <00:25:29.772>more, <00:25:29.860>and

00:25:32.460 --> 00:25:35.900
<00:25:32.460>different <00:25:32.560>to <00:25:32.660>what <00:25:32.760>you'll <00:25:32.860>see, <00:25:32.960>you <00:25:33.060>know, <00:25:33.160>as <00:25:33.260>a <00:25:33.360>traditional <00:25:33.460>approach <00:25:33.560>in <00:25:33.660>the <00:25:33.760>industry. <00:25:33.860>These

00:25:35.900 --> 00:25:37.020
<00:25:35.900>things <00:25:36.404>are <00:25:36.908>attention.

00:25:37.260 --> 00:25:42.060
<00:25:37.260>But <00:25:37.342>by <00:25:37.424>thinking <00:25:37.507>about <00:25:37.589>this <00:25:37.671>a <00:25:37.754>lot <00:25:37.836>and <00:25:37.918>really <00:25:38.001>paying <00:25:38.083>a <00:25:38.165>lot <00:25:38.248>of <00:25:38.330>attention, <00:25:38.412>I <00:25:38.495>think <00:25:38.577>we <00:25:38.660>find

00:25:42.195 --> 00:25:47.155
<00:25:42.195>a <00:25:42.282>set <00:25:42.370>of <00:25:42.457>patterns <00:25:42.544>of <00:25:42.632>how <00:25:42.720>to <00:25:42.807>work <00:25:42.895>that <00:25:42.982>actually <00:25:43.070>will <00:25:43.157>let <00:25:43.245>us <00:25:43.332>manage <00:25:43.419>that <00:25:43.507>tension <00:25:43.595>quite

00:25:47.155 --> 00:25:47.955
effectively.

00:25:48.515 --> 00:25:49.075
So

00:25:49.395 --> 00:25:50.755
<00:25:49.395>one <00:25:49.701>of <00:25:50.007>those <00:25:50.313>things <00:25:50.619>is

00:25:51.235 --> 00:25:55.875
<00:25:51.235>we <00:25:51.328>do <00:25:51.421>actually <00:25:51.514>continuously <00:25:51.608>deploy <00:25:51.701>Stripe. <00:25:51.794>So <00:25:51.888>as <00:25:51.981>an <00:25:52.074>engineer <00:25:52.168>here, <00:25:52.261>if <00:25:52.354>you <00:25:52.448>make <00:25:52.541>a <00:25:52.635>change,

00:25:56.260 --> 00:26:00.260
<00:25:56.260>you <00:25:56.337>can <00:25:56.415>and <00:25:56.493>you <00:25:56.571>you <00:25:56.648>merge <00:25:56.726>it, <00:25:56.804>you <00:25:56.882>can <00:25:56.960>expect <00:25:57.037>it <00:25:57.115>to <00:25:57.193>be <00:25:57.271>in <00:25:57.348>production <00:25:57.426>later <00:25:57.504>that <00:25:57.582>same <00:25:57.660>day.

00:26:00.420 --> 00:26:03.300
<00:26:00.420>In <00:26:00.575>fact, <00:26:00.731>you <00:26:00.886>know, <00:26:01.042>usually <00:26:01.197>within <00:26:01.353>about <00:26:01.508>forty <00:26:01.664>five <00:26:01.820>minutes.

00:26:04.100 --> 00:26:07.540
<00:26:04.100>That, <00:26:04.173>by <00:26:04.247>the <00:26:04.321>way, <00:26:04.394>is <00:26:04.468>a <00:26:04.542>lot <00:26:04.615>of <00:26:04.689>fun. <00:26:04.763>Like <00:26:04.836>you <00:26:04.910>make <00:26:04.984>a <00:26:05.057>change, <00:26:05.131>you <00:26:05.205>can <00:26:05.278>actually <00:26:05.352>show <00:26:05.426>it <00:26:05.500>to

00:26:07.540 --> 00:26:08.340
<00:26:07.540>your <00:26:08.260>friends,

00:26:08.900 --> 00:26:12.765
<00:26:08.900>the <00:26:08.987>at <00:26:09.075>the <00:26:09.162>restaurant <00:26:09.250>that <00:26:09.337>evening. <00:26:09.425>I <00:26:09.512>had <00:26:09.600>that <00:26:09.687>experience <00:26:09.775>recently. <00:26:09.862>It <00:26:09.950>was <00:26:10.037>a <00:26:10.125>lot <00:26:10.212>of <00:26:10.300>fun.

00:26:12.765 --> 00:26:16.125
<00:26:12.765>So <00:26:12.865>it's <00:26:12.965>great, <00:26:13.065>this <00:26:13.165>kind <00:26:13.265>of <00:26:13.365>feeling <00:26:13.465>of <00:26:13.565>the <00:26:13.665>direct <00:26:13.765>impact <00:26:13.865>that <00:26:13.965>you <00:26:14.065>can <00:26:14.165>have.

00:26:17.325 --> 00:26:21.885
<00:26:17.325>It's <00:26:17.425>also <00:26:17.525>important <00:26:17.625>because <00:26:17.725>that <00:26:17.825>keeps <00:26:17.925>the <00:26:18.025>whole <00:26:18.125>enterprise <00:26:18.225>here <00:26:18.325>moving <00:26:18.425>along <00:26:18.525>at <00:26:18.625>a <00:26:18.725>good

00:26:21.885 --> 00:26:23.245
<00:26:21.885>pace <00:26:22.129>to <00:26:22.374>serve <00:26:22.619>our <00:26:22.864>users <00:26:23.109>well.

00:26:24.410 --> 00:26:25.130
However,

00:26:26.410 --> 00:26:27.370
changes

00:26:27.370 --> 00:26:33.370
<00:26:27.370>are <00:26:27.457>often <00:26:27.544>what <00:26:27.632>cause <00:26:27.719>things <00:26:27.807>to <00:26:27.895>go <00:26:27.982>wrong <00:26:28.070>in <00:26:28.157>systems <00:26:28.245>at <00:26:28.332>scale. <00:26:28.419>So <00:26:28.507>we <00:26:28.594>have <00:26:28.682>a <00:26:28.770>relatively

00:26:33.370 --> 00:26:34.170
deliberate

00:26:34.170 --> 00:26:35.130
mechanism

00:26:36.890 --> 00:26:41.475
<00:26:36.890>for <00:26:37.017>solving <00:26:37.144>that <00:26:37.271>problem. <00:26:37.399>One, <00:26:37.526>we <00:26:37.653>really, <00:26:37.780>really <00:26:37.908>care <00:26:38.035>about <00:26:38.162>testing. <00:26:38.290>So

00:26:42.115 --> 00:26:46.915
<00:26:42.115>we <00:26:42.215>insist <00:26:42.315>on <00:26:42.415>really <00:26:42.515>excellent <00:26:42.615>unit <00:26:42.715>test <00:26:42.815>coverage <00:26:42.915>across <00:26:43.015>our <00:26:43.115>whole <00:26:43.215>code <00:26:43.315>base. <00:26:43.415>It's <00:26:43.515>actually

00:26:46.915 --> 00:26:51.075
<00:26:46.915>quite <00:26:47.014>difficult <00:26:47.115>to <00:26:47.215>merge <00:26:47.315>a <00:26:47.415>pull <00:26:47.514>request <00:26:47.615>at <00:26:47.715>Stripe <00:26:47.815>without <00:26:47.915>a <00:26:48.014>reviewer, <00:26:48.115>like <00:26:48.215>really <00:26:48.315>making

00:26:51.075 --> 00:26:57.310
<00:26:51.075>sure <00:26:51.168>that <00:26:51.261>you've <00:26:51.355>covered <00:26:51.448>what <00:26:51.541>you're <00:26:51.635>doing <00:26:51.728>with <00:26:51.821>unit <00:26:51.915>tests. <00:26:52.008>And <00:26:52.101>then <00:26:52.195>as <00:26:52.288>we <00:26:52.381>deployed <00:26:52.475>our

00:26:57.310 --> 00:26:58.750
<00:26:57.310>changes <00:26:57.958>to <00:26:58.606>production,

00:26:59.630 --> 00:27:05.150
<00:26:59.630>we <00:26:59.737>work <00:26:59.845>hard <00:26:59.953>to <00:27:00.060>take <00:27:00.168>them <00:27:00.276>gradually <00:27:00.383>through <00:27:00.491>different <00:27:00.599>environments <00:27:00.706>that <00:27:00.814>expose <00:27:00.922>the <00:27:01.030>change

00:27:05.150 --> 00:27:05.950
to

00:27:06.685 --> 00:27:08.445
<00:27:06.685>first <00:27:07.034>kind <00:27:07.385>of <00:27:07.735>synthetic <00:27:08.085>traffic

00:27:08.605 --> 00:27:13.005
<00:27:08.605>and <00:27:08.687>then <00:27:08.769>real <00:27:08.852>traffic <00:27:08.934>at <00:27:09.016>very <00:27:09.099>low <00:27:09.181>scale, <00:27:09.263>but <00:27:09.346>where <00:27:09.428>we <00:27:09.510>then <00:27:09.593>pay <00:27:09.675>a <00:27:09.757>lot <00:27:09.840>of <00:27:09.922>attention <00:27:10.005>to

00:27:13.005 --> 00:27:17.725
<00:27:13.005>is <00:27:13.092>the <00:27:13.180>thing <00:27:13.267>still <00:27:13.355>working. <00:27:13.442>And <00:27:13.530>then <00:27:13.617>we <00:27:13.705>gradually <00:27:13.792>ramp <00:27:13.880>up <00:27:13.967>traffic <00:27:14.055>and <00:27:14.142>we're <00:27:14.230>able <00:27:14.317>to <00:27:14.405>roll

00:27:17.725 --> 00:27:22.500
<00:27:17.725>back <00:27:17.832>releases <00:27:17.940>very <00:27:18.048>quickly <00:27:18.155>if <00:27:18.263>we <00:27:18.371>see <00:27:18.478>problems. <00:27:18.586>And <00:27:18.694>that <00:27:18.801>means <00:27:18.909>that <00:27:19.017>in <00:27:19.125>aggregate,

00:27:23.300 --> 00:27:26.420
<00:27:23.300>we <00:27:23.475>today <00:27:23.649>offer <00:27:23.825>more <00:27:24.000>than <00:27:24.175>five <00:27:24.350>nines <00:27:24.524>of <00:27:24.700>availability

00:27:27.220 --> 00:27:28.660
<00:27:27.220>for <00:27:27.868>our <00:27:28.516>users.

00:27:29.300 --> 00:27:34.660
<00:27:29.300>And <00:27:29.399>it's <00:27:29.500>actually <00:27:29.600>a <00:27:29.700>real, <00:27:29.800>I <00:27:29.899>think, <00:27:30.000>differentiator <00:27:30.100>for <00:27:30.200>Stripe <00:27:30.300>compared <00:27:30.399>to <00:27:30.500>some <00:27:30.600>other <00:27:30.700>enterprises

00:27:34.660 --> 00:27:35.220
<00:27:34.660>out <00:27:35.164>there.

00:27:35.865 --> 00:27:37.785
<00:27:35.865>So <00:27:36.215>it <00:27:36.565>really, <00:27:36.915>really <00:27:37.265>matters.

00:27:38.745 --> 00:27:39.545
<00:27:38.745>Of <00:27:39.465>course,

00:27:40.025 --> 00:27:40.505
know,

00:27:40.985 --> 00:27:45.545
<00:27:40.985>reliability <00:27:41.112>and <00:27:41.239>operational <00:27:41.366>excellence, <00:27:41.494>it's <00:27:41.621>not <00:27:41.748>just <00:27:41.875>about <00:27:42.003>change <00:27:42.130>management <00:27:42.257>and <00:27:42.385>having

00:27:45.545 --> 00:27:50.185
<00:27:45.545>these <00:27:45.638>systems. <00:27:45.731>It <00:27:45.825>is <00:27:45.918>also <00:27:46.011>about <00:27:46.105>a <00:27:46.198>culture <00:27:46.291>of <00:27:46.385>caring <00:27:46.478>about <00:27:46.571>this <00:27:46.665>at <00:27:46.758>every <00:27:46.851>team's <00:27:46.945>level.

00:27:51.500 --> 00:27:53.500
<00:27:51.500>So <00:27:51.966>we <00:27:52.433>run <00:27:52.900>a

00:27:53.980 --> 00:27:57.340
<00:27:53.980>anytime <00:27:54.096>something <00:27:54.213>does <00:27:54.330>go <00:27:54.446>wrong, <00:27:54.563>hopefully <00:27:54.680>we <00:27:54.796>catch <00:27:54.913>it <00:27:55.030>at <00:27:55.146>very <00:27:55.263>small <00:27:55.380>scale,

00:27:57.660 --> 00:27:58.940
<00:27:57.660>we <00:27:58.044>run <00:27:58.428>a <00:27:58.812>relatively

00:27:59.180 --> 00:28:03.835
<00:27:59.180>rigorous <00:27:59.280>process <00:27:59.380>to <00:27:59.480>document <00:27:59.580>what <00:27:59.680>went <00:27:59.780>wrong <00:27:59.880>and <00:27:59.980>learn <00:28:00.080>from <00:28:00.180>it. <00:28:00.280>And <00:28:00.380>then <00:28:00.480>we <00:28:00.580>actually

00:28:03.835 --> 00:28:04.875
prioritize

00:28:05.035 --> 00:28:09.675
<00:28:05.035>critical <00:28:05.210>remediations <00:28:05.385>to <00:28:05.560>operational <00:28:05.735>problems <00:28:05.910>above <00:28:06.085>other <00:28:06.260>product <00:28:06.435>work.

00:28:10.315 --> 00:28:13.755
<00:28:10.315>And <00:28:10.455>that's <00:28:10.595>important <00:28:10.735>for <00:28:10.875>our <00:28:11.015>business. <00:28:11.155>I <00:28:11.295>think <00:28:11.435>it's <00:28:11.575>kind <00:28:11.715>of

00:28:14.555 --> 00:28:16.155
<00:28:14.555>a <00:28:15.021>trait <00:28:15.488>of <00:28:15.955>businesses

00:28:16.315 --> 00:28:20.600
<00:28:16.315>operating <00:28:16.397>in <00:28:16.479>the <00:28:16.562>kind <00:28:16.644>of <00:28:16.726>domain <00:28:16.809>that <00:28:16.891>we <00:28:16.973>do <00:28:17.056>that <00:28:17.138>if <00:28:17.220>you <00:28:17.303>do <00:28:17.385>that <00:28:17.467>you're <00:28:17.550>going <00:28:17.632>to <00:28:17.715>continue

00:28:20.600 --> 00:28:24.200
<00:28:20.600>to <00:28:20.699>get <00:28:20.800>better. <00:28:20.899>And <00:28:21.000>then <00:28:21.100>I <00:28:21.199>care <00:28:21.300>a <00:28:21.399>lot <00:28:21.500>about <00:28:21.600>us <00:28:21.699>being <00:28:21.800>a <00:28:21.899>learning <00:28:22.000>organization

00:28:24.360 --> 00:28:25.480
<00:28:24.360>where <00:28:24.864>every <00:28:25.368>time,

00:28:25.960 --> 00:28:29.160
<00:28:25.960>we <00:28:26.115>reflect <00:28:26.271>on <00:28:26.426>what <00:28:26.582>went <00:28:26.737>wrong, <00:28:26.893>we <00:28:27.048>really <00:28:27.204>kind <00:28:27.360>of

00:28:29.560 --> 00:28:32.715
<00:28:29.560>talk <00:28:29.667>transparently <00:28:29.775>about <00:28:29.883>what <00:28:29.990>we <00:28:30.098>could <00:28:30.206>have <00:28:30.313>done <00:28:30.421>better. <00:28:30.529>It's <00:28:30.636>not <00:28:30.744>about <00:28:30.852>assigning <00:28:30.960>blame

00:28:32.715 --> 00:28:35.995
<00:28:32.715>at <00:28:32.808>all. <00:28:32.901>It's <00:28:32.995>about <00:28:33.088>understanding <00:28:33.181>like <00:28:33.274>what <00:28:33.368>we <00:28:33.461>could <00:28:33.554>do <00:28:33.648>better <00:28:33.741>and <00:28:33.834>then <00:28:33.928>putting <00:28:34.021>that <00:28:34.115>into

00:28:35.995 --> 00:28:36.635
practice.

00:28:37.275 --> 00:28:42.155
<00:28:37.275>We <00:28:37.362>do <00:28:37.450>that <00:28:37.537>at <00:28:37.625>scale <00:28:37.712>today, <00:28:37.800>and <00:28:37.887>I <00:28:37.975>think <00:28:38.062>it <00:28:38.150>works <00:28:38.237>relatively <00:28:38.325>well. <00:28:38.412>We've <00:28:38.500>learned <00:28:38.587>a <00:28:38.675>lot

00:28:42.155 --> 00:28:45.195
<00:28:42.155>from <00:28:42.262>other <00:28:42.370>companies. <00:28:42.478>Thank <00:28:42.585>you <00:28:42.693>to <00:28:42.801>everyone <00:28:42.908>who's <00:28:43.016>given <00:28:43.124>me <00:28:43.231>advice <00:28:43.339>over <00:28:43.447>the <00:28:43.555>years.

00:28:46.760 --> 00:28:50.600
<00:28:46.760>We'll <00:28:46.860>continue <00:28:46.960>to <00:28:47.060>iterate <00:28:47.160>on <00:28:47.260>it <00:28:47.360>because <00:28:47.460>obviously <00:28:47.560>as <00:28:47.660>we <00:28:47.760>grow <00:28:47.860>and <00:28:47.960>scale, <00:28:48.060>the <00:28:48.160>challenges

00:28:50.600 --> 00:28:51.240
change.

00:28:52.520 --> 00:28:57.480
<00:28:52.520>Great. <00:28:52.647>That's <00:28:52.774>very <00:28:52.901>interesting. <00:28:53.029>Especially <00:28:53.156>the <00:28:53.283>deployment, <00:28:53.410>like <00:28:53.538>if <00:28:53.665>you <00:28:53.792>merge <00:28:53.920>something

00:28:57.480 --> 00:28:58.760
<00:28:57.480>and <00:28:58.632>45,

00:28:58.845 --> 00:29:01.485
<00:28:58.845>it's <00:28:59.195>deployed <00:28:59.545>live. <00:28:59.895>Really <00:29:00.245>almost

00:29:02.285 --> 00:29:03.885
intimidating.

00:29:04.125 --> 00:29:05.165
Actually,

00:29:05.885 --> 00:29:06.765
<00:29:05.885>two <00:29:06.281>weeks <00:29:06.677>ago,

00:29:07.165 --> 00:29:09.805
<00:29:07.165>did <00:29:07.398>something <00:29:07.631>called <00:29:07.865>an <00:29:08.098>engineer <00:29:08.331>occasion. <00:29:08.565>So

00:29:11.180 --> 00:29:15.820
<00:29:11.180>I <00:29:11.267>try <00:29:11.355>to <00:29:11.442>do <00:29:11.530>this <00:29:11.617>about <00:29:11.705>three <00:29:11.792>times <00:29:11.880>a <00:29:11.967>year. <00:29:12.055>I <00:29:12.142>believe <00:29:12.230>it's <00:29:12.317>quite <00:29:12.405>important <00:29:12.492>for <00:29:12.580>engineering

00:29:15.820 --> 00:29:18.300
<00:29:15.820>leaders <00:29:16.100>and <00:29:16.379>CTOs <00:29:16.659>as <00:29:16.939>well <00:29:17.220>to

00:29:19.100 --> 00:29:20.780
<00:29:19.100>work <00:29:19.379>hard <00:29:19.659>to <00:29:19.939>at <00:29:20.219>least <00:29:20.500>stay

00:29:21.100 --> 00:29:24.460
<00:29:21.100>current <00:29:21.199>in <00:29:21.300>the <00:29:21.399>tools <00:29:21.500>and <00:29:21.600>environment <00:29:21.699>that <00:29:21.800>their <00:29:21.899>teams <00:29:22.000>are <00:29:22.100>working <00:29:22.199>in <00:29:22.300>because <00:29:22.399>it <00:29:22.500>just

00:29:24.460 --> 00:29:28.275
<00:29:24.460>provides <00:29:24.560>a <00:29:24.660>tremendous <00:29:24.760>amount <00:29:24.860>of <00:29:24.960>context <00:29:25.060>for <00:29:25.160>all <00:29:25.260>the <00:29:25.360>other <00:29:25.460>decisions <00:29:25.560>that <00:29:25.660>you <00:29:25.760>need <00:29:25.860>to

00:29:28.275 --> 00:29:32.515
<00:29:28.275>make <00:29:28.348>and <00:29:28.422>ways <00:29:28.496>that <00:29:28.569>you <00:29:28.643>get <00:29:28.717>involved <00:29:28.790>with <00:29:28.864>the <00:29:28.938>team. <00:29:29.011>So <00:29:29.085>a <00:29:29.159>few <00:29:29.232>times <00:29:29.306>a <00:29:29.380>year, <00:29:29.453>I <00:29:29.527>join <00:29:29.601>a <00:29:29.675>team

00:29:32.515 --> 00:29:36.355
<00:29:32.515>just <00:29:32.592>for <00:29:32.670>a <00:29:32.748>couple <00:29:32.826>of <00:29:32.903>days <00:29:32.981>and <00:29:33.059>try <00:29:33.137>to <00:29:33.215>do <00:29:33.292>a <00:29:33.370>real <00:29:33.448>piece <00:29:33.526>of <00:29:33.603>work, <00:29:33.681>usually <00:29:33.759>very <00:29:33.837>small <00:29:33.915>scale,

00:29:36.435 --> 00:29:40.115
<00:29:36.435>in <00:29:36.528>order <00:29:36.621>just <00:29:36.715>to <00:29:36.808>see, <00:29:36.901>like, <00:29:36.995>visually <00:29:37.088>what <00:29:37.181>is <00:29:37.274>the <00:29:37.368>latest <00:29:37.461>state <00:29:37.554>of <00:29:37.648>our <00:29:37.741>developer <00:29:37.835>environment

00:29:40.115 --> 00:29:40.595
<00:29:40.115>at <00:29:40.547>Stripe.

00:29:41.290 --> 00:29:45.930
<00:29:41.290>And <00:29:41.372>so <00:29:41.454>I <00:29:41.537>did <00:29:41.619>that <00:29:41.701>two <00:29:41.784>weeks <00:29:41.866>ago, <00:29:41.948>and <00:29:42.031>I <00:29:42.113>was <00:29:42.195>actually <00:29:42.278>I <00:29:42.360>added <00:29:42.442>a <00:29:42.525>very <00:29:42.607>small <00:29:42.690>feature.

00:29:46.410 --> 00:29:49.290
<00:29:46.410>We <00:29:46.565>have <00:29:46.721>a <00:29:46.876>product <00:29:47.032>called <00:29:47.187>Link, <00:29:47.343>which <00:29:47.498>allows <00:29:47.654>you <00:29:47.810>to

00:29:50.170 --> 00:29:54.970
<00:29:50.170>save <00:29:50.277>your <00:29:50.385>payment <00:29:50.493>credentials, <00:29:50.600>your <00:29:50.708>shipping <00:29:50.816>addresses, <00:29:50.923>and <00:29:51.031>so <00:29:51.139>forth <00:29:51.246>on <00:29:51.354>Stripe <00:29:51.462>so <00:29:51.570>that

00:29:54.970 --> 00:29:55.450
<00:29:54.970>you <00:29:55.402>have

00:29:56.045 --> 00:30:00.685
<00:29:56.045>a <00:29:56.145>much <00:29:56.245>faster <00:29:56.345>checkout <00:29:56.445>as <00:29:56.545>a <00:29:56.645>consumer <00:29:56.745>when <00:29:56.845>you <00:29:56.945>show <00:29:57.045>up <00:29:57.145>at <00:29:57.245>a <00:29:57.345>Stripe <00:29:57.445>merchant

00:30:01.565 --> 00:30:02.365
<00:30:01.565>the <00:30:01.925>next <00:30:02.285>time.

00:30:02.605 --> 00:30:05.645
<00:30:02.605>I'll <00:30:02.692>talk <00:30:02.780>more <00:30:02.867>about <00:30:02.955>that <00:30:03.042>in <00:30:03.130>a <00:30:03.217>second <00:30:03.305>as <00:30:03.392>a <00:30:03.480>product <00:30:03.567>because <00:30:03.655>I <00:30:03.742>think <00:30:03.830>it's <00:30:03.917>pretty <00:30:04.005>cool.

00:30:06.285 --> 00:30:10.605
<00:30:06.285>I <00:30:06.358>added <00:30:06.432>a <00:30:06.506>very <00:30:06.579>small <00:30:06.653>feature <00:30:06.727>so <00:30:06.800>that <00:30:06.874>for <00:30:06.948>one <00:30:07.021>of <00:30:07.095>our <00:30:07.169>link <00:30:07.242>UIs, <00:30:07.316>if <00:30:07.390>you <00:30:07.463>typed <00:30:07.537>in <00:30:07.611>your <00:30:07.685>email

00:30:10.605 --> 00:30:14.420
<00:30:10.605>address <00:30:10.760>but <00:30:10.916>made <00:30:11.071>a <00:30:11.227>typo, <00:30:11.382>you'd <00:30:11.538>see <00:30:11.693>a <00:30:11.849>little <00:30:12.005>autocorrect

00:30:14.420 --> 00:30:15.300
suggestion.

00:30:15.700 --> 00:30:16.980
<00:30:15.700>The <00:30:15.988>really <00:30:16.276>cool <00:30:16.564>thing <00:30:16.852>is

00:30:17.380 --> 00:30:18.580
<00:30:17.380>I <00:30:17.920>did <00:30:18.460>that,

00:30:19.380 --> 00:30:22.740
<00:30:19.380>and <00:30:19.535>I <00:30:19.691>think <00:30:19.846>I <00:30:20.002>merged <00:30:20.157>the <00:30:20.313>change <00:30:20.468>on <00:30:20.624>a <00:30:20.780>Wednesday.

00:30:23.805 --> 00:30:26.045
<00:30:23.805>And <00:30:24.085>on <00:30:24.365>the <00:30:24.645>next <00:30:24.925>day, <00:30:25.205>Thursday,

00:30:26.285 --> 00:30:29.645
<00:30:26.285>my <00:30:26.372>wife <00:30:26.460>was <00:30:26.547>asking <00:30:26.635>me, <00:30:26.722>hey, <00:30:26.810>what <00:30:26.897>did <00:30:26.985>you <00:30:27.072>do <00:30:27.160>about <00:30:27.247>engineer <00:30:27.335>occasion? <00:30:27.422>I <00:30:27.510>pulled <00:30:27.597>up <00:30:27.685>the

00:30:29.645 --> 00:30:30.685
<00:30:29.645>Uber <00:30:30.581>app.

00:30:31.085 --> 00:30:36.285
<00:30:31.085>I <00:30:31.158>went <00:30:31.232>to <00:30:31.306>add <00:30:31.379>a <00:30:31.453>new <00:30:31.527>payment <00:30:31.600>method <00:30:31.674>in <00:30:31.748>Uber, <00:30:31.821>and <00:30:31.895>I <00:30:31.969>was <00:30:32.042>able <00:30:32.116>to <00:30:32.190>show <00:30:32.263>her <00:30:32.337>the <00:30:32.411>thing <00:30:32.485>that's

00:30:36.285 --> 00:30:40.020
<00:30:36.285>in <00:30:36.367>the <00:30:36.449>email <00:30:36.532>address, <00:30:36.614>which <00:30:36.696>was <00:30:36.779>a <00:30:36.861>change <00:30:36.943>that <00:30:37.026>I'd <00:30:37.108>made <00:30:37.190>just <00:30:37.273>a <00:30:37.355>couple <00:30:37.437>couple <00:30:37.520>of <00:30:37.602>days <00:30:37.685>before.

00:30:40.180 --> 00:30:43.140
<00:30:40.180>And <00:30:40.355>I <00:30:40.530>think <00:30:40.705>for <00:30:40.880>all <00:30:41.055>engineers <00:30:41.230>at <00:30:41.405>Stripe, <00:30:41.580>both,

00:30:43.620 --> 00:30:47.460
<00:30:43.620>having <00:30:43.707>environments <00:30:43.794>that <00:30:43.882>let <00:30:43.969>you <00:30:44.057>move <00:30:44.145>at <00:30:44.232>that <00:30:44.320>kind <00:30:44.407>of <00:30:44.495>pace, <00:30:44.582>but <00:30:44.669>also <00:30:44.757>being <00:30:44.844>able <00:30:44.932>to <00:30:45.020>see

00:30:47.460 --> 00:30:53.185
<00:30:47.460>your <00:30:47.576>work, <00:30:47.693>so <00:30:47.810>directly, <00:30:47.926>out <00:30:48.043>there <00:30:48.160>is <00:30:48.276>is <00:30:48.393>really <00:30:48.510>fun. <00:30:48.626>Yeah, <00:30:48.743>that's <00:30:48.860>amazing.

00:30:54.225 --> 00:30:59.105
<00:30:54.225>Maybe <00:30:54.352>one <00:30:54.479>thing <00:30:54.606>about <00:30:54.734>this <00:30:54.861>deployment <00:30:54.988>process, <00:30:55.115>because <00:30:55.243>I'm <00:30:55.370>curious, <00:30:55.497>like <00:30:55.625>what

00:30:59.585 --> 00:31:00.625
<00:30:59.585>about <00:31:00.521>like

00:31:02.145 --> 00:31:06.785
<00:31:02.145>latent <00:31:02.245>errors? <00:31:02.345>Like <00:31:02.445>errors <00:31:02.545>that <00:31:02.645>you <00:31:02.745>maybe <00:31:02.845>that <00:31:02.945>are <00:31:03.045>not <00:31:03.145>obvious, <00:31:03.245>that <00:31:03.345>are <00:31:03.445>just <00:31:03.545>like

00:31:07.070 --> 00:31:10.590
<00:31:07.070>yeah. <00:31:07.210>Over <00:31:07.350>time, <00:31:07.490>you <00:31:07.629>realize, <00:31:07.770>oh, <00:31:07.909>there <00:31:08.050>is <00:31:08.189>something <00:31:08.330>wrong. <00:31:08.470>Yeah.

00:31:11.550 --> 00:31:16.350
<00:31:11.550>How <00:31:11.677>can <00:31:11.804>you, <00:31:11.931>like, <00:31:12.059>mitigate <00:31:12.186>those <00:31:12.313>kind <00:31:12.440>of <00:31:12.568>risks? <00:31:12.695>Yeah. <00:31:12.822>Great <00:31:12.950>question.

00:31:17.070 --> 00:31:18.110
<00:31:17.070>And, <00:31:17.381>obviously, <00:31:17.694>you <00:31:18.005>know,

00:31:19.405 --> 00:31:21.565
<00:31:19.405>changes <00:31:19.754>that <00:31:20.105>cause <00:31:20.455>an <00:31:20.805>immediate,

00:31:21.805 --> 00:31:25.565
<00:31:21.805>impact, <00:31:21.905>while <00:31:22.005>they <00:31:22.105>are <00:31:22.205>the <00:31:22.305>most <00:31:22.405>common <00:31:22.505>kind <00:31:22.605>of <00:31:22.705>defects <00:31:22.805>in <00:31:22.905>software, <00:31:23.005>they're <00:31:23.105>not <00:31:23.205>they're

00:31:25.565 --> 00:31:26.925
<00:31:25.565>not <00:31:25.973>the <00:31:26.381>only <00:31:26.789>one.

00:31:27.485 --> 00:31:31.245
<00:31:27.485>Those <00:31:27.578>are <00:31:27.671>some <00:31:27.764>of <00:31:27.858>the <00:31:27.951>easiest <00:31:28.044>cases <00:31:28.138>to <00:31:28.231>catch <00:31:28.324>because, <00:31:28.418>you <00:31:28.511>know, <00:31:28.604>as <00:31:28.698>you're <00:31:28.791>rolling <00:31:28.885>them

00:31:31.245 --> 00:31:33.165
<00:31:31.245>out, <00:31:31.594>something <00:31:31.945>goes <00:31:32.294>goes <00:31:32.645>sideways.

00:31:33.660 --> 00:31:34.380
We

00:31:34.780 --> 00:31:39.260
<00:31:34.780>also <00:31:34.873>work <00:31:34.966>with <00:31:35.060>a <00:31:35.153>bunch <00:31:35.246>of <00:31:35.340>other <00:31:35.433>infrastructure. <00:31:35.526>Like <00:31:35.620>Stripe <00:31:35.713>sits <00:31:35.806>on <00:31:35.899>top <00:31:35.993>of <00:31:36.086>the <00:31:36.180>world's

00:31:39.260 --> 00:31:42.380
<00:31:39.260>financial <00:31:39.540>ecosystem <00:31:39.820>and <00:31:40.100>sometimes <00:31:40.379>downstream <00:31:40.660>components

00:31:42.380 --> 00:31:46.220
<00:31:42.380>will <00:31:42.457>have <00:31:42.535>issues <00:31:42.613>as <00:31:42.691>well. <00:31:42.768>So <00:31:42.846>there <00:31:42.924>are <00:31:43.002>kind <00:31:43.080>of <00:31:43.157>two <00:31:43.235>ways <00:31:43.313>that <00:31:43.391>we <00:31:43.468>think <00:31:43.546>about <00:31:43.624>this <00:31:43.702>at <00:31:43.780>Stripe.

00:31:46.545 --> 00:31:49.505
<00:31:46.545>One <00:31:46.745>is <00:31:46.945>we <00:31:47.145>need <00:31:47.345>to <00:31:47.545>have <00:31:47.745>excellent <00:31:47.945>observability

00:31:49.505 --> 00:31:51.345
<00:31:49.505>of <00:31:49.855>how <00:31:50.205>everything <00:31:50.555>is <00:31:50.905>working

00:31:51.985 --> 00:31:54.225
<00:31:51.985>and <00:31:52.334>then <00:31:52.685>really <00:31:53.034>good <00:31:53.385>alerting

00:31:54.225 --> 00:31:56.145
<00:31:54.225>so <00:31:54.458>that <00:31:54.691>if <00:31:54.925>something <00:31:55.158>does <00:31:55.391>go <00:31:55.625>wrong,

00:31:56.625 --> 00:31:57.105
we

00:31:57.665 --> 00:31:58.225
pull

00:31:58.720 --> 00:32:00.880
<00:31:58.720>humans <00:31:58.920>into <00:31:59.120>the <00:31:59.320>loop <00:31:59.520>as <00:31:59.720>fast <00:31:59.920>as <00:32:00.120>possible.

00:32:02.080 --> 00:32:05.840
<00:32:02.080>And <00:32:02.187>we're <00:32:02.295>pretty <00:32:02.403>good <00:32:02.510>at <00:32:02.618>incident <00:32:02.726>response, <00:32:02.833>which <00:32:02.941>is <00:32:03.049>pulling <00:32:03.156>the <00:32:03.264>right <00:32:03.372>people <00:32:03.480>together

00:32:06.080 --> 00:32:09.440
<00:32:06.080>in <00:32:06.280>order <00:32:06.480>to <00:32:06.679>solve <00:32:06.879>a <00:32:07.080>problem <00:32:07.280>relatively <00:32:07.480>quickly.

00:32:09.920 --> 00:32:11.440
<00:32:09.920>That, <00:32:10.262>by <00:32:10.604>the <00:32:10.946>way, <00:32:11.288>is

00:32:11.760 --> 00:32:16.475
<00:32:11.760>a <00:32:11.853>muscle <00:32:11.946>that <00:32:12.040>you <00:32:12.133>have <00:32:12.226>to <00:32:12.320>exercise. <00:32:12.413>You <00:32:12.506>have <00:32:12.600>to <00:32:12.693>keep <00:32:12.786>making <00:32:12.879>sure <00:32:12.973>that <00:32:13.066>teams <00:32:13.160>have

00:32:17.355 --> 00:32:21.035
<00:32:17.355>had <00:32:17.510>recent <00:32:17.666>experience <00:32:17.821>of <00:32:17.977>fixing <00:32:18.132>things <00:32:18.288>when <00:32:18.443>they <00:32:18.599>went <00:32:18.755>wrong.

00:32:21.515 --> 00:32:25.035
<00:32:21.515>Actually, <00:32:21.615>as <00:32:21.715>your <00:32:21.815>systems <00:32:21.915>get <00:32:22.015>more <00:32:22.115>reliable, <00:32:22.215>it <00:32:22.315>turns <00:32:22.415>out <00:32:22.515>that <00:32:22.615>happens <00:32:22.715>less <00:32:22.815>often. <00:32:22.915>So

00:32:25.035 --> 00:32:28.390
<00:32:25.035>you <00:32:25.122>then <00:32:25.210>have <00:32:25.297>to <00:32:25.385>think <00:32:25.472>about, <00:32:25.560>well, <00:32:25.647>okay, <00:32:25.735>we're <00:32:25.822>not <00:32:25.910>doing <00:32:25.997>this <00:32:26.085>for <00:32:26.172>real, <00:32:26.260>then <00:32:26.347>we <00:32:26.435>need

00:32:28.390 --> 00:32:32.230
<00:32:28.390>do <00:32:28.467>some <00:32:28.545>drills <00:32:28.623>and <00:32:28.701>so <00:32:28.778>forth. <00:32:28.856>And <00:32:28.934>game <00:32:29.012>days <00:32:29.090>is <00:32:29.167>what <00:32:29.245>we <00:32:29.323>call <00:32:29.401>them <00:32:29.478>in <00:32:29.556>order <00:32:29.634>to <00:32:29.712>make <00:32:29.790>that

00:32:32.230 --> 00:32:37.830
<00:32:32.230>happen. <00:32:32.337>So <00:32:32.445>that's <00:32:32.553>one <00:32:32.660>thing. <00:32:32.768>The <00:32:32.876>other <00:32:32.983>thing <00:32:33.091>is <00:32:33.199>we <00:32:33.306>do <00:32:33.414>design <00:32:33.522>our <00:32:33.630>systems

00:32:38.550 --> 00:32:43.855
<00:32:38.550>in <00:32:38.649>order <00:32:38.750>to <00:32:38.850>be <00:32:38.950>resilient <00:32:39.050>to <00:32:39.149>failures <00:32:39.250>of <00:32:39.350>individual <00:32:39.450>components. <00:32:39.550>So <00:32:39.649>if <00:32:39.750>you <00:32:39.850>think <00:32:39.950>about

00:32:43.855 --> 00:32:45.215
<00:32:43.855>downstream <00:32:45.079>components,

00:32:45.295 --> 00:32:49.375
<00:32:45.295>that <00:32:45.395>would <00:32:45.495>be <00:32:45.595>having <00:32:45.695>redundancy <00:32:45.795>between <00:32:45.895>multiple <00:32:45.995>of <00:32:46.095>them. <00:32:46.195>If <00:32:46.295>you <00:32:46.395>think <00:32:46.495>about <00:32:46.595>some <00:32:46.695>of

00:32:49.375 --> 00:32:51.135
<00:32:49.375>the <00:32:49.655>components <00:32:49.935>that <00:32:50.215>we <00:32:50.495>host <00:32:50.775>internally,

00:32:51.295 --> 00:32:54.575
<00:32:51.295>it's <00:32:51.435>all <00:32:51.575>about <00:32:51.715>making <00:32:51.855>sure <00:32:51.995>that <00:32:52.135>a <00:32:52.275>problem <00:32:52.415>in <00:32:52.555>one <00:32:52.695>component

00:32:54.895 --> 00:32:57.240
<00:32:54.895>or <00:32:55.245>for <00:32:55.595>one <00:32:55.945>set <00:32:56.295>of

00:32:57.560 --> 00:33:02.440
<00:32:57.560>our <00:32:57.659>user <00:32:57.760>base <00:32:57.860>doesn't <00:32:57.960>then <00:32:58.060>spill <00:32:58.159>over <00:32:58.260>and <00:32:58.360>impact <00:32:58.460>everyone <00:32:58.560>else. <00:32:58.659>And <00:32:58.760>that <00:32:58.860>requires <00:32:58.960>fairly

00:33:02.440 --> 00:33:03.800
<00:33:02.440>meticulous <00:33:03.664>design

00:33:04.360 --> 00:33:05.080
of

00:33:05.960 --> 00:33:10.040
<00:33:05.960>the <00:33:06.060>systems <00:33:06.160>for <00:33:06.260>resilience. <00:33:06.360>And <00:33:06.460>how <00:33:06.560>have <00:33:06.660>we <00:33:06.760>managed <00:33:06.860>that <00:33:06.960>along <00:33:07.060>the <00:33:07.160>way? <00:33:07.260>It's <00:33:07.360>exactly

00:33:10.040 --> 00:33:15.055
<00:33:10.040>what <00:33:10.127>I <00:33:10.215>said <00:33:10.302>before. <00:33:10.389>It <00:33:10.477>is <00:33:10.565>paying <00:33:10.652>attention <00:33:10.740>to <00:33:10.827>the <00:33:10.915>kinds <00:33:11.002>of <00:33:11.090>failures <00:33:11.177>that <00:33:11.264>happen <00:33:11.352>and <00:33:11.440>then

00:33:15.055 --> 00:33:19.135
<00:33:15.055>being <00:33:15.148>super <00:33:15.241>curious <00:33:15.335>not <00:33:15.428>only <00:33:15.521>about <00:33:15.615>how <00:33:15.708>do <00:33:15.801>we <00:33:15.895>put <00:33:15.988>this <00:33:16.081>particular <00:33:16.175>thing <00:33:16.268>right, <00:33:16.361>but <00:33:16.455>what's

00:33:19.135 --> 00:33:21.535
<00:33:19.135>the <00:33:19.310>general <00:33:19.485>pattern <00:33:19.660>here <00:33:19.835>that <00:33:20.010>we <00:33:20.185>can <00:33:20.360>then <00:33:20.535>design

00:33:21.695 --> 00:33:26.015
<00:33:21.695>into <00:33:21.788>the <00:33:21.881>changes <00:33:21.975>that <00:33:22.068>we're <00:33:22.161>making <00:33:22.254>so <00:33:22.348>that <00:33:22.441>we <00:33:22.534>are <00:33:22.628>resilient <00:33:22.721>to <00:33:22.814>those <00:33:22.908>problems <00:33:23.001>at <00:33:23.095>bigger

00:33:26.015 --> 00:33:26.655
<00:33:26.015>and <00:33:26.303>bigger <00:33:26.591>scale.

00:33:27.570 --> 00:33:29.410
<00:33:27.570>Mhmm. <00:33:28.036>That's <00:33:28.503>very <00:33:28.970>interesting.

00:33:29.810 --> 00:33:31.970
<00:33:29.810>You <00:33:30.510>mentioned <00:33:31.210>engineerication,

00:33:32.370 --> 00:33:35.250
<00:33:32.370>a <00:33:32.570>term <00:33:32.770>that <00:33:32.969>I <00:33:33.169>learned <00:33:33.370>from <00:33:33.570>you <00:33:33.770>basically,

00:33:35.410 --> 00:33:40.450
<00:33:35.410>and <00:33:35.492>I <00:33:35.574>really <00:33:35.657>find <00:33:35.739>it <00:33:35.821>exciting, <00:33:35.904>like, <00:33:35.986>to <00:33:36.068>to <00:33:36.151>to <00:33:36.233>slip <00:33:36.315>in <00:33:36.398>the <00:33:36.480>role, <00:33:36.562>like, <00:33:36.645>of <00:33:36.727>an <00:33:36.810>engineer,

00:33:40.450 --> 00:33:41.410
<00:33:40.450>like, <00:33:40.882>deploying <00:33:41.314>stuff.

00:33:42.015 --> 00:33:46.655
<00:33:42.015>But <00:33:42.122>I <00:33:42.230>I <00:33:42.338>heard <00:33:42.445>from <00:33:42.553>Paul <00:33:42.661>that <00:33:42.768>you <00:33:42.876>also <00:33:42.984>did <00:33:43.091>a <00:33:43.199>a <00:33:43.307>sales <00:33:43.415>occasion.

00:33:46.975 --> 00:33:48.495
<00:33:46.975>So <00:33:47.658>Yeah. <00:33:48.342>So

00:33:49.215 --> 00:33:51.055
<00:33:49.215>maybe <00:33:49.495>you <00:33:49.774>can, <00:33:50.054>like, <00:33:50.334>just <00:33:50.615>So

00:33:51.615 --> 00:33:53.215
<00:33:51.615>So <00:33:51.965>us <00:33:52.315>what <00:33:52.665>that <00:33:53.015>is.

00:33:53.535 --> 00:33:55.215
<00:33:53.535>Yeah. <00:33:54.001>I'll <00:33:54.468>explain. <00:33:54.935>So

00:33:56.450 --> 00:33:59.730
<00:33:56.450>we've <00:33:56.543>mentioned <00:33:56.636>a <00:33:56.730>few <00:33:56.823>times <00:33:56.916>that <00:33:57.010>we <00:33:57.103>have <00:33:57.196>a <00:33:57.290>set <00:33:57.383>of <00:33:57.476>operating <00:33:57.570>principles. <00:33:57.663>So <00:33:57.756>these <00:33:57.850>are

00:33:59.730 --> 00:34:03.250
<00:33:59.730>like <00:33:59.885>patterns <00:34:00.041>of <00:34:00.196>behavior <00:34:00.352>distilled <00:34:00.507>from <00:34:00.663>the <00:34:00.818>most <00:34:00.974>effective <00:34:01.130>Stripes.

00:34:03.330 --> 00:34:06.530
<00:34:03.330>One <00:34:03.457>of <00:34:03.584>those <00:34:03.711>is <00:34:03.839>users <00:34:03.966>first, <00:34:04.093>which <00:34:04.220>means <00:34:04.348>being <00:34:04.475>really <00:34:04.602>close <00:34:04.730>to,

00:34:07.570 --> 00:34:10.845
<00:34:07.570>know, <00:34:07.669>in <00:34:07.770>many <00:34:07.870>cases, <00:34:07.970>these <00:34:08.069>are <00:34:08.170>the <00:34:08.270>businesses <00:34:08.370>building <00:34:08.469>on <00:34:08.569>Stripe. <00:34:08.670>But <00:34:08.770>also <00:34:08.870>many <00:34:08.969>teams

00:34:10.845 --> 00:34:15.805
<00:34:10.844>at <00:34:10.938>Stripe <00:34:11.031>build <00:34:11.125>tools <00:34:11.218>for <00:34:11.311>other <00:34:11.404>Stripes <00:34:11.498>to <00:34:11.591>use. <00:34:11.685>If <00:34:11.778>you <00:34:11.871>join <00:34:11.964>one <00:34:12.058>of <00:34:12.151>our <00:34:12.245>infrastructure

00:34:15.805 --> 00:34:17.245
<00:34:15.804>teams, <00:34:16.237>you'll <00:34:16.668>be <00:34:17.100>building

00:34:17.965 --> 00:34:21.085
<00:34:17.965>tools <00:34:18.198>to <00:34:18.431>enable <00:34:18.665>product <00:34:18.898>development <00:34:19.131>teams <00:34:19.365>to

00:34:21.645 --> 00:34:26.390
<00:34:21.645>move <00:34:21.745>quickly <00:34:21.844>and <00:34:21.945>so <00:34:22.045>forth. <00:34:22.145>Actually, <00:34:22.245>of <00:34:22.344>these <00:34:22.445>teams <00:34:22.545>have <00:34:22.645>the <00:34:22.745>luxury <00:34:22.844>inside <00:34:22.945>of <00:34:23.045>Stripe,

00:34:26.390 --> 00:34:29.830
<00:34:26.389>but <00:34:26.472>it's <00:34:26.554>much <00:34:26.637>easier <00:34:26.719>to <00:34:26.801>kind <00:34:26.884>of <00:34:26.966>get <00:34:27.048>hold <00:34:27.131>of <00:34:27.213>your <00:34:27.295>users, <00:34:27.378>have <00:34:27.460>a <00:34:27.542>coffee <00:34:27.625>with <00:34:27.707>them, <00:34:27.790>and

00:34:29.830 --> 00:34:33.190
<00:34:29.830>learn <00:34:29.912>what <00:34:29.994>are <00:34:30.077>their <00:34:30.159>hopes <00:34:30.241>and <00:34:30.324>dreams <00:34:30.406>for <00:34:30.488>the <00:34:30.571>future <00:34:30.653>and <00:34:30.735>so <00:34:30.818>forth. <00:34:30.900>So <00:34:30.982>we <00:34:31.065>really <00:34:31.147>do <00:34:31.230>that

00:34:33.190 --> 00:34:34.550
<00:34:33.190>internally <00:34:33.496>as <00:34:33.802>well <00:34:34.108>as <00:34:34.414>externally.

00:34:35.685 --> 00:34:36.645
<00:34:35.685>A <00:34:36.117>my <00:34:36.549>lot

00:34:37.925 --> 00:34:39.685
<00:34:37.925>group <00:34:38.205>at <00:34:38.485>the <00:34:38.765>company <00:34:39.045>right <00:34:39.325>now,

00:34:40.245 --> 00:34:45.045
<00:34:40.245>the <00:34:40.361>biggest <00:34:40.478>opportunities <00:34:40.594>for <00:34:40.711>us <00:34:40.828>are <00:34:40.944>actually <00:34:41.061>building <00:34:41.178>tools <00:34:41.295>and <00:34:41.411>systems <00:34:41.528>to <00:34:41.645>enable

00:34:45.685 --> 00:34:46.325
our

00:34:46.485 --> 00:34:47.445
<00:34:46.485>sales <00:34:47.349>force

00:34:47.890 --> 00:34:49.490
<00:34:47.889>to <00:34:48.589>move <00:34:49.290>with

00:34:49.810 --> 00:34:53.490
<00:34:49.810>greater <00:34:49.903>pace, <00:34:49.996>with <00:34:50.090>more <00:34:50.183>context <00:34:50.276>for <00:34:50.370>their <00:34:50.463>users <00:34:50.556>and <00:34:50.650>so <00:34:50.743>forth. <00:34:50.836>So <00:34:50.929>it's <00:34:51.023>a <00:34:51.116>big <00:34:51.210>priority

00:34:53.490 --> 00:34:54.210
<00:34:53.489>for <00:34:54.138>us.

00:34:54.770 --> 00:34:58.290
<00:34:54.770>And <00:34:54.857>so <00:34:54.945>actually, <00:34:55.032>at <00:34:55.120>the <00:34:55.207>same <00:34:55.295>time <00:34:55.382>as <00:34:55.469>I <00:34:55.557>was <00:34:55.645>doing <00:34:55.732>that <00:34:55.820>engineering <00:34:55.907>occasion <00:34:55.995>I <00:34:56.082>just <00:34:56.170>talked

00:34:58.290 --> 00:35:01.250
<00:34:58.290>about, <00:34:58.465>I <00:34:58.640>decided <00:34:58.815>it <00:34:58.990>would <00:34:59.165>be <00:34:59.340>valuable <00:34:59.515>to <00:34:59.690>shadow

00:35:01.810 --> 00:35:05.805
<00:35:01.810>and <00:35:01.985>actually <00:35:02.160>get <00:35:02.335>involved <00:35:02.509>in <00:35:02.685>doing <00:35:02.860>some <00:35:03.035>deals, <00:35:03.210>alongside,

00:35:06.285 --> 00:35:11.325
<00:35:06.285>some <00:35:06.378>particular <00:35:06.471>members <00:35:06.565>of <00:35:06.658>our <00:35:06.751>sales <00:35:06.845>team. <00:35:06.938>And <00:35:07.031>it <00:35:07.125>was <00:35:07.218>really <00:35:07.311>valuable <00:35:07.404>and <00:35:07.498>quite <00:35:07.591>eye <00:35:07.685>opening

00:35:11.325 --> 00:35:11.885
<00:35:11.325>for <00:35:11.829>me.

00:35:12.525 --> 00:35:15.885
<00:35:12.525>So, <00:35:12.612>you <00:35:12.700>know, <00:35:12.787>there's <00:35:12.875>a <00:35:12.962>bunch <00:35:13.050>of <00:35:13.137>tools <00:35:13.225>that <00:35:13.312>we've <00:35:13.400>built, <00:35:13.487>we've <00:35:13.575>invested <00:35:13.662>in <00:35:13.750>over <00:35:13.837>the <00:35:13.925>years.

00:35:15.885 --> 00:35:20.270
<00:35:15.885>It's <00:35:16.012>really <00:35:16.139>interesting <00:35:16.266>to <00:35:16.394>see <00:35:16.521>how <00:35:16.648>those <00:35:16.775>are <00:35:16.903>being <00:35:17.030>used <00:35:17.157>in <00:35:17.285>practice.

00:35:20.670 --> 00:35:24.910
<00:35:20.670>And <00:35:20.757>I <00:35:20.845>hope <00:35:20.932>that <00:35:21.020>the <00:35:21.107>kind <00:35:21.195>of <00:35:21.282>context <00:35:21.370>that <00:35:21.457>I've <00:35:21.545>assimilated <00:35:21.632>as <00:35:21.720>a <00:35:21.807>leader <00:35:21.895>there <00:35:21.982>is <00:35:22.070>going

00:35:24.910 --> 00:35:28.830
<00:35:24.910>to <00:35:24.992>help <00:35:25.074>me <00:35:25.157>as <00:35:25.239>we <00:35:25.321>go <00:35:25.404>through <00:35:25.486>a <00:35:25.568>whole <00:35:25.651>bunch <00:35:25.733>of <00:35:25.815>decisions <00:35:25.898>that <00:35:25.980>we'll <00:35:26.062>make <00:35:26.145>over <00:35:26.227>the <00:35:26.310>next

00:35:28.830 --> 00:35:30.350
<00:35:28.830>several <00:35:29.514>months, <00:35:30.198>next

00:35:30.830 --> 00:35:35.195
<00:35:30.830>year <00:35:30.946>to <00:35:31.063>have <00:35:31.180>the <00:35:31.296>right <00:35:31.413>kind <00:35:31.529>of <00:35:31.646>context. <00:35:31.763>And <00:35:31.880>so <00:35:31.996>it's <00:35:32.113>really <00:35:32.230>exactly

00:35:35.195 --> 00:35:37.755
<00:35:35.195>that <00:35:35.475>is <00:35:35.755>something <00:35:36.035>that <00:35:36.315>we <00:35:36.595>encourage

00:35:37.755 --> 00:35:40.395
<00:35:37.755>every <00:35:37.988>engineering <00:35:38.221>manager <00:35:38.455>at <00:35:38.688>Stripe <00:35:38.921>to <00:35:39.155>do,

00:35:41.115 --> 00:35:42.315
<00:35:41.115>do <00:35:41.384>that <00:35:41.654>kind <00:35:41.925>of <00:35:42.195>deep

00:35:43.115 --> 00:35:45.035
<00:35:43.115>shadowing <00:35:43.395>and <00:35:43.674>understanding <00:35:43.955>of <00:35:44.234>their <00:35:44.515>users.

00:35:45.920 --> 00:35:49.520
<00:35:45.920>And <00:35:46.047>we <00:35:46.174>do <00:35:46.301>do <00:35:46.429>it, <00:35:46.556>and <00:35:46.683>I <00:35:46.810>think <00:35:46.938>it <00:35:47.065>is <00:35:47.192>very <00:35:47.320>effective.

00:35:50.240 --> 00:35:54.240
<00:35:50.240>Yeah, <00:35:50.439>sounds <00:35:50.640>great. <00:35:50.839>And <00:35:51.040>you <00:35:51.240>mentioned <00:35:51.439>the <00:35:51.640>infrastructure

00:35:54.640 --> 00:35:57.840
<00:35:54.640>that <00:35:54.815>you're <00:35:54.990>working <00:35:55.165>on <00:35:55.339>that <00:35:55.515>enables <00:35:55.690>the <00:35:55.865>developers. <00:35:56.040>So

00:35:59.365 --> 00:36:03.845
<00:35:59.365>basically <00:35:59.464>this <00:35:59.564>is <00:35:59.665>also <00:35:59.765>again <00:35:59.865>like <00:35:59.964>the <00:36:00.064>user <00:36:00.165>first <00:36:00.265>approach <00:36:00.365>that <00:36:00.464>you <00:36:00.564>see <00:36:00.665>firsthand <00:36:00.765>like

00:36:03.845 --> 00:36:08.885
<00:36:03.845>okay <00:36:03.961>how <00:36:04.078>are <00:36:04.194>the <00:36:04.311>processes <00:36:04.428>for <00:36:04.544>example <00:36:04.661>in <00:36:04.778>sales? <00:36:04.895>How <00:36:05.011>can <00:36:05.128>this <00:36:05.245>infrastructure

00:36:09.205 --> 00:36:10.165
benefit

00:36:10.165 --> 00:36:12.805
<00:36:10.165>from <00:36:10.320>the <00:36:10.476>learnings <00:36:10.631>and <00:36:10.787>the <00:36:10.942>observations <00:36:11.098>that <00:36:11.253>you <00:36:11.409>do <00:36:11.565>there?

00:36:14.530 --> 00:36:15.410
Regarding

00:36:16.130 --> 00:36:19.730
<00:36:16.130>user <00:36:16.305>first, <00:36:16.480>I <00:36:16.655>remember <00:36:16.830>on <00:36:17.005>stage <00:36:17.180>you <00:36:17.355>mentioned <00:36:17.530>the

00:36:19.970 --> 00:36:21.890
<00:36:19.970>friction <00:36:20.436>logging <00:36:20.903>where <00:36:21.370>put

00:36:22.290 --> 00:36:23.010
yourself

00:36:23.490 --> 00:36:24.210
into

00:36:24.370 --> 00:36:25.170
a

00:36:25.170 --> 00:36:31.305
<00:36:25.170>user's <00:36:25.270>perspective <00:36:25.370>and <00:36:25.470>go <00:36:25.570>through <00:36:25.670>some <00:36:25.770>parts <00:36:25.870>of <00:36:25.970>the <00:36:26.070>application <00:36:26.170>and <00:36:26.270>do <00:36:26.370>a <00:36:26.470>friction <00:36:26.570>log,

00:36:32.585 --> 00:36:36.985
<00:36:32.585>which <00:36:32.685>is <00:36:32.785>also <00:36:32.885>very <00:36:32.985>interesting. <00:36:33.085>And <00:36:33.185>maybe <00:36:33.285>you <00:36:33.385>can <00:36:33.485>elaborate <00:36:33.585>on <00:36:33.685>that <00:36:33.785>a <00:36:33.885>little <00:36:33.985>bit.

00:36:37.865 --> 00:36:39.945
<00:36:37.865>Yeah. <00:36:38.098>So <00:36:38.331>friction <00:36:38.564>logging <00:36:38.798>is <00:36:39.031>a <00:36:39.265>practice.

00:36:40.770 --> 00:36:44.610
<00:36:40.770>It's <00:36:40.910>actually <00:36:41.050>a <00:36:41.190>relatively <00:36:41.330>simple <00:36:41.470>practice. <00:36:41.610>So <00:36:41.750>here's <00:36:41.890>how <00:36:42.030>it <00:36:42.170>works.

00:36:45.330 --> 00:36:47.090
<00:36:45.330>We <00:36:45.796>want <00:36:46.263>to <00:36:46.730>understand

00:36:47.170 --> 00:36:51.010
<00:36:47.170>how <00:36:47.277>we <00:36:47.385>might <00:36:47.493>be <00:36:47.600>able <00:36:47.708>to <00:36:47.816>improve <00:36:47.923>any <00:36:48.031>part <00:36:48.139>of <00:36:48.246>the <00:36:48.354>product <00:36:48.462>or <00:36:48.570>infrastructure.

00:36:51.010 --> 00:36:51.490
So

00:36:51.810 --> 00:36:55.330
<00:36:51.810>we <00:36:51.965>put <00:36:52.121>ourselves <00:36:52.276>in <00:36:52.432>the <00:36:52.587>mindset <00:36:52.743>of <00:36:52.898>a <00:36:53.054>particular <00:36:53.210>user.

00:36:56.105 --> 00:37:02.345
<00:36:56.105>So, <00:36:56.198>you <00:36:56.291>know, <00:36:56.385>if <00:36:56.478>I'm <00:36:56.571>working <00:36:56.665>on <00:36:56.758>payment <00:36:56.851>links, <00:36:56.945>for <00:36:57.038>instance, <00:36:57.131>I <00:36:57.225>might <00:36:57.318>have <00:36:57.411>recently <00:36:57.505>spoken

00:37:02.345 --> 00:37:05.865
<00:37:02.345>to <00:37:02.452>a <00:37:02.560>user <00:37:02.668>like <00:37:02.775>Makerpad. <00:37:02.883>They're <00:37:02.991>a <00:37:03.098>company <00:37:03.206>who <00:37:03.314>started <00:37:03.421>accepting <00:37:03.529>payments <00:37:03.637>for <00:37:03.745>online

00:37:05.865 --> 00:37:07.465
<00:37:05.865>courses <00:37:06.331>via <00:37:06.798>payment <00:37:07.265>links.

00:37:07.865 --> 00:37:09.305
<00:37:07.865>I <00:37:08.124>might <00:37:08.383>have <00:37:08.642>talked <00:37:08.901>to <00:37:09.161>their

00:37:09.545 --> 00:37:13.650
<00:37:09.545>finder <00:37:09.672>recently. <00:37:09.799>So <00:37:09.926>put <00:37:10.054>myself <00:37:10.181>in <00:37:10.308>the <00:37:10.435>mindset <00:37:10.563>of <00:37:10.690>that <00:37:10.817>particular <00:37:10.945>company.

00:37:14.850 --> 00:37:18.370
<00:37:14.850>And <00:37:14.990>then <00:37:15.130>just <00:37:15.270>go <00:37:15.410>through <00:37:15.549>the <00:37:15.690>process <00:37:15.830>of <00:37:15.970>using <00:37:16.110>my <00:37:16.250>product,

00:37:18.610 --> 00:37:23.810
<00:37:18.610>and <00:37:18.692>writing <00:37:18.774>down, <00:37:18.857>you <00:37:18.939>know, <00:37:19.021>from <00:37:19.104>soup <00:37:19.186>to <00:37:19.268>nuts, <00:37:19.351>from <00:37:19.433>from <00:37:19.515>start <00:37:19.598>to <00:37:19.680>finish. <00:37:19.762>And <00:37:19.845>we <00:37:19.927>we <00:37:20.010>take

00:37:23.810 --> 00:37:28.415
<00:37:23.810>meticulous <00:37:23.917>notes <00:37:24.025>of <00:37:24.133>every <00:37:24.240>single <00:37:24.348>point <00:37:24.456>of <00:37:24.563>friction. <00:37:24.671>So <00:37:24.779>something <00:37:24.886>that's <00:37:24.994>maybe <00:37:25.102>not <00:37:25.210>quite

00:37:28.415 --> 00:37:30.735
<00:37:28.415>as <00:37:28.570>easy <00:37:28.726>as <00:37:28.881>it <00:37:29.037>could <00:37:29.192>be <00:37:29.348>that <00:37:29.503>we <00:37:29.659>run <00:37:29.815>into.

00:37:31.455 --> 00:37:34.815
<00:37:31.455>And <00:37:31.654>this <00:37:31.855>is <00:37:32.055>a <00:37:32.255>practice <00:37:32.455>that <00:37:32.654>we <00:37:32.855>do

00:37:35.295 --> 00:37:37.295
<00:37:35.295>across <00:37:35.645>the <00:37:35.995>company <00:37:36.345>quite <00:37:36.695>often.

00:37:37.860 --> 00:37:43.780
<00:37:37.860>And <00:37:37.937>those <00:37:38.015>friction <00:37:38.093>logs <00:37:38.171>help <00:37:38.248>teams <00:37:38.326>kind <00:37:38.404>of <00:37:38.482>take <00:37:38.560>a <00:37:38.637>step <00:37:38.715>back <00:37:38.793>and <00:37:38.871>put <00:37:38.948>a <00:37:39.026>user <00:37:39.104>hat <00:37:39.182>on <00:37:39.260>so

00:37:43.780 --> 00:37:46.820
<00:37:43.780>they <00:37:43.907>really <00:37:44.034>understand <00:37:44.161>things <00:37:44.289>and <00:37:44.416>look <00:37:44.543>at <00:37:44.670>things <00:37:44.798>through <00:37:44.925>their <00:37:45.052>users' <00:37:45.180>eyes.

00:37:47.220 --> 00:37:47.940
<00:37:47.220>And <00:37:47.868>we

00:37:48.580 --> 00:37:50.980
<00:37:48.580>very <00:37:48.860>frequently <00:37:49.140>use <00:37:49.420>those <00:37:49.700>to <00:37:49.980>prioritize

00:37:50.980 --> 00:37:55.675
<00:37:50.980>and <00:37:51.087>select <00:37:51.195>the <00:37:51.303>right <00:37:51.410>things <00:37:51.518>to <00:37:51.626>work <00:37:51.733>on <00:37:51.841>that <00:37:51.949>makes <00:37:52.056>sense <00:37:52.164>to <00:37:52.272>move <00:37:52.380>forward.

00:37:56.315 --> 00:38:00.715
<00:37:56.315>I <00:37:56.408>mean, <00:37:56.501>what <00:37:56.595>it's <00:37:56.688>worth, <00:37:56.781>my <00:37:56.875>engineer <00:37:56.968>occasion <00:37:57.061>I <00:37:57.155>talked <00:37:57.248>about <00:37:57.341>earlier <00:37:57.435>really <00:37:57.528>is <00:37:57.621>just <00:37:57.715>that.

00:38:00.715 --> 00:38:01.835
It's

00:38:01.835 --> 00:38:06.555
<00:38:01.835>kind <00:38:01.951>of <00:38:02.068>a <00:38:02.185>microcosm <00:38:02.301>of <00:38:02.418>that <00:38:02.535>for <00:38:02.651>our <00:38:02.768>internal <00:38:02.885>developer <00:38:03.001>experience. <00:38:03.118>So <00:38:03.235>one

00:38:06.715 --> 00:38:10.420
<00:38:06.715>of <00:38:06.802>the <00:38:06.890>things <00:38:06.977>I <00:38:07.065>do <00:38:07.152>is <00:38:07.240>not <00:38:07.327>just <00:38:07.415>like <00:38:07.502>build <00:38:07.590>a <00:38:07.677>little <00:38:07.765>feature, <00:38:07.852>but <00:38:07.940>take <00:38:08.027>meticulous <00:38:08.115>notes

00:38:10.420 --> 00:38:11.540
<00:38:10.420>and <00:38:10.924>then <00:38:11.428>publish

00:38:12.260 --> 00:38:14.580
<00:38:12.260>some <00:38:12.540>of <00:38:12.820>my <00:38:13.100>thoughts <00:38:13.380>both <00:38:13.660>for

00:38:14.900 --> 00:38:18.980
<00:38:14.900>the <00:38:15.000>team <00:38:15.100>that's <00:38:15.200>tried <00:38:15.300>to <00:38:15.400>work <00:38:15.500>on <00:38:15.600>our <00:38:15.700>developer <00:38:15.800>tooling <00:38:15.900>and <00:38:16.000>developer <00:38:16.100>experience <00:38:16.200>and <00:38:16.300>they're

00:38:18.980 --> 00:38:23.215
<00:38:18.980>awesome. <00:38:19.067>There <00:38:19.155>are <00:38:19.242>lots <00:38:19.330>of <00:38:19.417>them <00:38:19.505>and <00:38:19.592>we <00:38:19.680>invest <00:38:19.767>a <00:38:19.855>lot <00:38:19.942>there. <00:38:20.030>But <00:38:20.117>also <00:38:20.205>for <00:38:20.292>for <00:38:20.380>engineers

00:38:23.215 --> 00:38:26.415
<00:38:23.215>more <00:38:23.308>broadly <00:38:23.401>to <00:38:23.495>think, <00:38:23.588>oh, <00:38:23.681>I <00:38:23.775>can <00:38:23.868>do <00:38:23.961>this <00:38:24.055>too. <00:38:24.148>I <00:38:24.241>can <00:38:24.335>actually, <00:38:24.428>you <00:38:24.521>know, <00:38:24.615>capture,

00:38:26.655 --> 00:38:30.495
<00:38:26.655>areas <00:38:26.748>of <00:38:26.841>friction <00:38:26.935>and <00:38:27.028>and <00:38:27.121>give <00:38:27.215>that <00:38:27.308>feedback <00:38:27.401>to <00:38:27.495>other <00:38:27.588>teams <00:38:27.681>or <00:38:27.775>even <00:38:27.868>think <00:38:27.961>about <00:38:28.055>addressing

00:38:30.495 --> 00:38:32.255
<00:38:30.495>it <00:38:30.694>myself <00:38:30.895>when <00:38:31.095>it's <00:38:31.295>local <00:38:31.495>to <00:38:31.694>my <00:38:31.895>team.

00:38:32.975 --> 00:38:38.200
<00:38:32.975>Mhmm. <00:38:33.075>Mhmm. <00:38:33.174>So, <00:38:33.275>basically, <00:38:33.375>you <00:38:33.475>also <00:38:33.575>have, <00:38:33.674>like, <00:38:33.775>your <00:38:33.875>own <00:38:33.975>developers <00:38:34.075>as <00:38:34.174>customers <00:38:34.275>or <00:38:34.375>as

00:38:38.200 --> 00:38:42.120
<00:38:38.200>consumers <00:38:38.355>of <00:38:38.511>the <00:38:38.666>infrastructure <00:38:38.822>that <00:38:38.977>you're <00:38:39.133>you're <00:38:39.288>offering. <00:38:39.444>Right. <00:38:39.600>And

00:38:43.080 --> 00:38:43.720
maybe

00:38:44.360 --> 00:38:48.135
<00:38:44.360>some <00:38:44.593>some <00:38:44.826>details <00:38:45.060>about, <00:38:45.293>like, <00:38:45.526>particular <00:38:45.760>challenges,

00:38:48.135 --> 00:38:49.495
<00:38:48.135>technical <00:38:49.359>challenges

00:38:49.495 --> 00:38:51.335
<00:38:49.495>at <00:38:50.194>Stripe <00:38:50.895>that

00:38:51.735 --> 00:38:54.295
<00:38:51.735>you <00:38:52.015>have <00:38:52.295>faced <00:38:52.575>maybe <00:38:52.855>recently <00:38:53.135>and

00:38:54.535 --> 00:38:55.415
<00:38:54.535>how <00:38:55.327>your

00:38:56.215 --> 00:38:57.415
<00:38:56.215>team <00:38:57.295>overcome

00:38:57.415 --> 00:38:59.975
<00:38:57.415>it. <00:38:57.590>So <00:38:57.765>it <00:38:57.940>would <00:38:58.115>be <00:38:58.290>interesting <00:38:58.465>just <00:38:58.640>to <00:38:58.815>get,

00:39:00.950 --> 00:39:01.750
I

00:39:01.830 --> 00:39:06.390
<00:39:01.830>don't <00:39:01.957>know, <00:39:02.084>some <00:39:02.211>insights, <00:39:02.339>let's <00:39:02.466>say, <00:39:02.593>in <00:39:02.720>your <00:39:02.848>day <00:39:02.975>to <00:39:03.102>day <00:39:03.230>operations.

00:39:06.630 --> 00:39:07.990
<00:39:06.630>One <00:39:07.038>of <00:39:07.446>the <00:39:07.854>most

00:39:09.110 --> 00:39:12.390
<00:39:09.110>exciting <00:39:09.250>and <00:39:09.390>challenging <00:39:09.530>things <00:39:09.670>that <00:39:09.810>I <00:39:09.950>think <00:39:10.090>we've <00:39:10.230>done <00:39:10.370>this <00:39:10.510>year

00:39:12.710 --> 00:39:13.430
is

00:39:13.595 --> 00:39:14.555
<00:39:13.595>we've <00:39:14.459>seen

00:39:14.795 --> 00:39:17.355
<00:39:14.795>a <00:39:15.145>huge <00:39:15.495>amount <00:39:15.845>of <00:39:16.195>potential,

00:39:17.355 --> 00:39:19.755
<00:39:17.355>new <00:39:17.705>potential <00:39:18.055>unlocked <00:39:18.405>through <00:39:18.755>AI.

00:39:20.315 --> 00:39:24.555
<00:39:20.315>So <00:39:20.490>at <00:39:20.665>Stripe, <00:39:20.840>we've <00:39:21.015>used <00:39:21.190>machine <00:39:21.365>learning <00:39:21.540>and <00:39:21.715>AI,

00:39:24.555 --> 00:39:26.395
<00:39:24.555>if <00:39:24.754>we <00:39:24.955>think <00:39:25.154>of <00:39:25.355>it <00:39:25.555>that <00:39:25.754>way, <00:39:25.955>historically

00:39:27.510 --> 00:39:33.030
<00:39:27.510>from <00:39:27.603>the <00:39:27.696>very <00:39:27.790>early <00:39:27.883>days. <00:39:27.976>So <00:39:28.070>think <00:39:28.163>about <00:39:28.256>RADAR, <00:39:28.350>which <00:39:28.443>is <00:39:28.536>our <00:39:28.630>product <00:39:28.723>for <00:39:28.816>preventing <00:39:28.910>payments

00:39:33.030 --> 00:39:35.830
<00:39:33.030>fraud. <00:39:33.205>That <00:39:33.380>is <00:39:33.555>a <00:39:33.730>large <00:39:33.905>scale <00:39:34.080>machine <00:39:34.255>learning <00:39:34.430>system,

00:39:36.150 --> 00:39:39.590
<00:39:36.150>and <00:39:36.223>we've <00:39:36.297>been <00:39:36.371>investing <00:39:36.444>a <00:39:36.518>lot <00:39:36.592>in <00:39:36.665>it <00:39:36.739>along <00:39:36.813>the <00:39:36.886>ways. <00:39:36.960>We <00:39:37.034>try <00:39:37.107>to <00:39:37.181>use <00:39:37.255>the <00:39:37.328>state <00:39:37.402>of <00:39:37.476>the <00:39:37.550>art

00:39:39.590 --> 00:39:40.550
<00:39:39.590>at <00:39:40.022>every <00:39:40.454>turn.

00:39:41.545 --> 00:39:42.745
<00:39:41.545>So <00:39:42.625>today,

00:39:42.985 --> 00:39:44.425
<00:39:42.985>that <00:39:43.244>started <00:39:43.503>out <00:39:43.762>as <00:39:44.021>a <00:39:44.281>random

00:39:44.985 --> 00:39:49.945
<00:39:44.985>forest <00:39:45.101>logistic <00:39:45.218>regression <00:39:45.335>model. <00:39:45.451>Today, <00:39:45.568>is <00:39:45.685>powered <00:39:45.801>by <00:39:45.918>transformers, <00:39:46.035>which <00:39:46.151>are <00:39:46.268>the <00:39:46.385>state

00:39:49.945 --> 00:39:53.865
<00:39:49.945>of <00:39:50.032>the <00:39:50.120>art <00:39:50.207>technology <00:39:50.295>that <00:39:50.382>underlie <00:39:50.470>a <00:39:50.557>lot <00:39:50.645>of <00:39:50.732>the <00:39:50.820>recent <00:39:50.907>innovation <00:39:50.995>in <00:39:51.082>LLM. <00:39:51.170>So <00:39:51.257>the <00:39:51.345>point

00:39:53.865 --> 00:39:55.305
<00:39:53.865>is <00:39:54.080>we've <00:39:54.296>been <00:39:54.513>investing <00:39:54.729>a <00:39:54.944>lot <00:39:55.161>in

00:39:55.890 --> 00:40:01.970
<00:39:55.890>ML <00:39:55.983>over <00:39:56.076>the <00:39:56.170>years. <00:39:56.263>But <00:39:56.356>LLMs, <00:39:56.450>these <00:39:56.543>large <00:39:56.636>language <00:39:56.730>models, <00:39:56.823>as <00:39:56.916>a <00:39:57.009>viable <00:39:57.103>tool <00:39:57.196>to <00:39:57.290>accelerate

00:40:01.970 --> 00:40:05.090
<00:40:01.970>lots <00:40:02.109>of <00:40:02.250>things <00:40:02.390>in <00:40:02.529>the <00:40:02.669>business, <00:40:02.810>they <00:40:02.950>really <00:40:03.089>emerged <00:40:03.230>very <00:40:03.370>rapidly

00:40:05.730 --> 00:40:11.675
<00:40:05.730>in <00:40:05.817>the <00:40:05.905>middle <00:40:05.992>of <00:40:06.080>last <00:40:06.167>year <00:40:06.255>and <00:40:06.342>into <00:40:06.430>this <00:40:06.517>year. <00:40:06.605>And <00:40:06.692>so <00:40:06.780>an <00:40:06.867>exciting <00:40:06.955>challenge <00:40:07.042>and <00:40:07.130>opportunity

00:40:11.675 --> 00:40:17.435
<00:40:11.675>for <00:40:11.752>us <00:40:11.830>has <00:40:11.908>been <00:40:11.986>to <00:40:12.063>figure <00:40:12.141>out <00:40:12.219>how <00:40:12.297>to <00:40:12.375>take <00:40:12.452>best <00:40:12.530>advantage <00:40:12.608>of <00:40:12.686>those <00:40:12.763>for <00:40:12.841>our <00:40:12.919>users <00:40:12.997>as <00:40:13.075>rapidly

00:40:17.435 --> 00:40:18.235
<00:40:17.435>as <00:40:18.155>possible.

00:40:18.715 --> 00:40:21.275
<00:40:18.715>And <00:40:18.890>so <00:40:19.065>the <00:40:19.240>way <00:40:19.415>that <00:40:19.590>we <00:40:19.765>approach <00:40:19.940>that <00:40:20.115>is,

00:40:23.520 --> 00:40:26.320
<00:40:23.520>first <00:40:23.720>of <00:40:23.920>all, <00:40:24.120>we <00:40:24.320>built <00:40:24.520>some <00:40:24.720>shared <00:40:24.920>infrastructure

00:40:26.720 --> 00:40:32.320
<00:40:26.720>that <00:40:26.793>makes <00:40:26.867>it <00:40:26.941>easy <00:40:27.014>for <00:40:27.088>any <00:40:27.162>team <00:40:27.235>at <00:40:27.309>Stripe <00:40:27.383>to <00:40:27.456>pick <00:40:27.530>up <00:40:27.604>and <00:40:27.677>adopt <00:40:27.751>LLMs <00:40:27.825>and <00:40:27.898>use <00:40:27.972>them <00:40:28.046>in <00:40:28.120>their

00:40:32.320 --> 00:40:33.040
products.

00:40:33.360 --> 00:40:36.075
<00:40:33.360>And <00:40:33.593>then <00:40:33.826>secondly, <00:40:34.060>we <00:40:34.293>tried <00:40:34.526>hard, <00:40:34.760>acknowledging

00:40:36.075 --> 00:40:40.795
<00:40:36.075>that <00:40:36.157>this <00:40:36.239>is <00:40:36.322>a <00:40:36.404>new <00:40:36.486>tool <00:40:36.569>that <00:40:36.651>folks <00:40:36.733>don't <00:40:36.816>even <00:40:36.898>know <00:40:36.980>how <00:40:37.063>to <00:40:37.145>apply, <00:40:37.227>in <00:40:37.310>all <00:40:37.392>the <00:40:37.475>relevant

00:40:40.795 --> 00:40:42.795
<00:40:40.795>ways <00:40:41.028>yet. <00:40:41.261>We <00:40:41.495>worked <00:40:41.728>hard <00:40:41.961>to <00:40:42.195>put,

00:40:43.435 --> 00:40:44.635
<00:40:43.435>an <00:40:44.515>internal

00:40:44.635 --> 00:40:45.435
ChatGPT

00:40:45.435 --> 00:40:46.475
<00:40:45.435>like <00:40:46.371>interface,

00:40:46.555 --> 00:40:50.370
<00:40:46.555>in <00:40:46.648>place <00:40:46.741>that <00:40:46.835>any <00:40:46.928>Stripe <00:40:47.021>can <00:40:47.115>use <00:40:47.208>to <00:40:47.301>do <00:40:47.395>anything <00:40:47.488>that <00:40:47.581>they <00:40:47.674>think <00:40:47.768>could <00:40:47.861>be <00:40:47.955>accelerated

00:40:50.370 --> 00:40:54.290
<00:40:50.370>by <00:40:50.447>AI. <00:40:50.525>And <00:40:50.603>so <00:40:50.681>we've <00:40:50.758>had <00:40:50.836>it <00:40:50.914>in <00:40:50.992>place <00:40:51.069>for <00:40:51.147>some <00:40:51.225>time, <00:40:51.303>it's <00:40:51.381>turned <00:40:51.458>out <00:40:51.536>to <00:40:51.614>be <00:40:51.692>pretty <00:40:51.770>valuable

00:40:54.290 --> 00:40:56.930
<00:40:54.290>for <00:40:54.523>us <00:40:54.756>because <00:40:54.990>when <00:40:55.223>we <00:40:55.456>let <00:40:55.690>people

00:40:57.250 --> 00:40:59.090
<00:40:57.250>share <00:40:57.600>prompts <00:40:57.950>with <00:40:58.300>each <00:40:58.650>other,

00:40:59.650 --> 00:41:03.090
<00:40:59.650>and <00:40:59.750>when <00:40:59.850>we <00:40:59.950>see <00:41:00.050>that <00:41:00.150>a <00:41:00.250>prompt <00:41:00.350>is <00:41:00.450>becoming <00:41:00.550>super <00:41:00.650>popular <00:41:00.750>because <00:41:00.850>it's <00:41:00.950>actually <00:41:01.050>solving

00:41:03.090 --> 00:41:06.385
<00:41:03.090>a <00:41:03.217>particular <00:41:03.344>need, <00:41:03.471>that's <00:41:03.599>like <00:41:03.726>our <00:41:03.853>invitation <00:41:03.980>to <00:41:04.108>go <00:41:04.235>in <00:41:04.362>and <00:41:04.490>build,

00:41:06.785 --> 00:41:07.585
<00:41:06.785>an <00:41:07.505>internal

00:41:07.905 --> 00:41:09.985
<00:41:07.905>tool <00:41:08.138>around <00:41:08.371>that, <00:41:08.605>and <00:41:08.838>we've <00:41:09.071>done <00:41:09.305>that.

00:41:10.545 --> 00:41:11.345
<00:41:10.545>And <00:41:11.265>so

00:41:11.585 --> 00:41:14.065
<00:41:11.585>just <00:41:11.818>figuring <00:41:12.051>out <00:41:12.285>how <00:41:12.518>to <00:41:12.751>move <00:41:12.985>rapidly,

00:41:14.065 --> 00:41:16.945
<00:41:14.065>obviously <00:41:14.345>thinking <00:41:14.625>very <00:41:14.905>hard <00:41:15.185>about <00:41:15.465>data,

00:41:17.265 --> 00:41:21.880
<00:41:17.265>practices <00:41:17.372>and <00:41:17.480>privacy <00:41:17.588>and <00:41:17.695>doing <00:41:17.803>this <00:41:17.911>all <00:41:18.018>responsibly, <00:41:18.126>but <00:41:18.234>getting <00:41:18.341>the <00:41:18.449>most <00:41:18.557>value, <00:41:18.665>has

00:41:21.880 --> 00:41:24.280
<00:41:21.880>been, <00:41:22.055>a <00:41:22.230>lot <00:41:22.405>of <00:41:22.580>fun <00:41:22.755>and <00:41:22.930>a <00:41:23.105>big <00:41:23.280>challenge.

00:41:25.000 --> 00:41:28.520
<00:41:25.000>That <00:41:25.116>has <00:41:25.233>worked <00:41:25.350>out. <00:41:25.466>So <00:41:25.583>if <00:41:25.700>you <00:41:25.816>look <00:41:25.933>at <00:41:26.050>Stripe <00:41:26.166>today, <00:41:26.283>we're <00:41:26.400>using,

00:41:28.760 --> 00:41:32.360
<00:41:28.760>large <00:41:28.853>language <00:41:28.946>models <00:41:29.040>in <00:41:29.133>many <00:41:29.226>places, <00:41:29.320>many <00:41:29.413>more <00:41:29.506>places <00:41:29.600>than <00:41:29.693>I <00:41:29.786>think <00:41:29.880>I <00:41:29.973>would <00:41:30.066>have <00:41:30.160>imagined

00:41:32.360 --> 00:41:37.275
<00:41:32.360>at <00:41:32.447>the <00:41:32.535>beginning <00:41:32.622>of <00:41:32.710>the <00:41:32.797>year. <00:41:32.885>So <00:41:32.972>that <00:41:33.060>shows <00:41:33.147>up <00:41:33.235>in <00:41:33.322>our <00:41:33.410>external <00:41:33.497>products. <00:41:33.585>So <00:41:33.672>for <00:41:33.760>instance,

00:41:37.275 --> 00:41:37.755
if

00:41:38.955 --> 00:41:40.475
<00:41:38.955>you <00:41:39.228>go <00:41:39.502>to <00:41:39.775>the <00:41:40.049>Stripe <00:41:40.323>docs,

00:41:40.635 --> 00:41:45.355
<00:41:40.635>we <00:41:40.722>currently <00:41:40.810>have <00:41:40.897>a <00:41:40.985>beta, <00:41:41.072>we're <00:41:41.160>about <00:41:41.247>to <00:41:41.335>GA <00:41:41.422>this, <00:41:41.510>where <00:41:41.597>you <00:41:41.685>can <00:41:41.772>ask <00:41:41.860>questions <00:41:41.947>of <00:41:42.035>the

00:41:45.355 --> 00:41:46.475
<00:41:45.355>docs <00:41:45.691>in <00:41:46.027>natural <00:41:46.363>language.

00:41:47.090 --> 00:41:50.290
<00:41:47.090>And <00:41:47.183>our <00:41:47.276>docs, <00:41:47.370>I <00:41:47.463>think, <00:41:47.556>are <00:41:47.650>very <00:41:47.743>comprehensive. <00:41:47.836>And <00:41:47.930>of <00:41:48.023>course, <00:41:48.116>one <00:41:48.210>of <00:41:48.303>the <00:41:48.396>problems <00:41:48.490>with

00:41:50.290 --> 00:41:53.890
<00:41:50.290>very <00:41:50.377>comprehensive <00:41:50.465>docs <00:41:50.552>is <00:41:50.640>you <00:41:50.727>have <00:41:50.815>to <00:41:50.902>read <00:41:50.990>a <00:41:51.077>lot <00:41:51.165>in <00:41:51.252>order <00:41:51.340>to <00:41:51.427>really <00:41:51.515>understand <00:41:51.602>the <00:41:51.690>answer.

00:41:53.890 --> 00:41:56.450
We've

00:41:56.450 --> 00:41:57.250
<00:41:56.450>actually <00:41:57.170>found

00:41:57.570 --> 00:41:58.610
<00:41:57.570>a <00:41:58.506>retrieval

00:41:58.610 --> 00:42:01.330
<00:41:58.610>augmented <00:41:59.076>generation <00:41:59.543>engine <00:42:00.010>with

00:42:01.555 --> 00:42:06.995
<00:42:01.555>these <00:42:01.654>fine <00:42:01.754>tuned <00:42:01.855>LLM <00:42:01.955>prompts <00:42:02.055>on <00:42:02.154>top <00:42:02.254>to <00:42:02.355>be <00:42:02.455>very <00:42:02.555>effective <00:42:02.654>at <00:42:02.754>answering <00:42:02.855>developers' <00:42:02.955>questions

00:42:06.995 --> 00:42:09.075
<00:42:06.995>to <00:42:07.228>help <00:42:07.461>them <00:42:07.694>integrate <00:42:07.928>Stripe <00:42:08.161>more <00:42:08.395>quickly.

00:42:09.635 --> 00:42:14.035
<00:42:09.635>We're <00:42:09.742>also <00:42:09.850>using <00:42:09.958>large <00:42:10.065>language <00:42:10.173>models <00:42:10.281>in <00:42:10.388>products <00:42:10.496>like <00:42:10.604>RADAR. <00:42:10.711>That's <00:42:10.819>our <00:42:10.927>solution <00:42:11.035>for

00:42:14.035 --> 00:42:17.430
<00:42:14.035>payments <00:42:14.142>fraud <00:42:14.250>that <00:42:14.358>I <00:42:14.465>talked <00:42:14.573>about <00:42:14.681>before. <00:42:14.788>You <00:42:14.896>can <00:42:15.004>actually <00:42:15.111>configure <00:42:15.219>RADAR <00:42:15.327>with <00:42:15.435>lots

00:42:17.430 --> 00:42:18.150
<00:42:17.430>of <00:42:18.078>rules,

00:42:18.950 --> 00:42:24.230
<00:42:18.950>and <00:42:19.049>there's <00:42:19.149>a <00:42:19.250>particular <00:42:19.350>language <00:42:19.450>that <00:42:19.549>you <00:42:19.649>use <00:42:19.750>to <00:42:19.850>express <00:42:19.950>those <00:42:20.049>rules. <00:42:20.149>It's <00:42:20.250>very <00:42:20.350>powerful.

00:42:24.630 --> 00:42:29.350
<00:42:24.630>But <00:42:24.730>for <00:42:24.830>folks <00:42:24.930>who <00:42:25.030>are <00:42:25.130>just <00:42:25.230>first <00:42:25.330>stepping <00:42:25.430>into <00:42:25.530>this <00:42:25.630>world <00:42:25.730>of <00:42:25.830>payments <00:42:25.930>operations, <00:42:26.030>it

00:42:28.885 --> 00:42:32.645
<00:42:28.885>be <00:42:28.955>a <00:42:29.025>little <00:42:29.095>daunting <00:42:29.165>to <00:42:29.235>figure <00:42:29.305>out <00:42:29.375>how <00:42:29.445>to <00:42:29.515>do <00:42:29.585>all <00:42:29.655>of <00:42:29.725>that. <00:42:29.795>You <00:42:29.865>can <00:42:29.935>now <00:42:30.005>do <00:42:30.075>it <00:42:30.145>by <00:42:30.215>just <00:42:30.285>saying,

00:42:33.125 --> 00:42:37.925
<00:42:33.125>please <00:42:33.225>write <00:42:33.325>a <00:42:33.425>role <00:42:33.525>to <00:42:33.625>block <00:42:33.725>all, <00:42:33.825>prepaid <00:42:33.925>debit <00:42:34.025>cards <00:42:34.125>from <00:42:34.225>The <00:42:34.325>Philippines. <00:42:34.425>Like <00:42:34.525>you

00:42:37.925 --> 00:42:43.205
<00:42:37.925>can <00:42:38.012>express <00:42:38.100>that <00:42:38.187>in <00:42:38.275>an <00:42:38.362>actual <00:42:38.450>language <00:42:38.537>and <00:42:38.625>we <00:42:38.712>turn <00:42:38.800>that, <00:42:38.887>the <00:42:38.975>agents <00:42:39.062>turn <00:42:39.150>that <00:42:39.237>into <00:42:39.325>rules

00:42:43.205 --> 00:42:46.930
<00:42:43.205>behind <00:42:43.292>the <00:42:43.380>scenes <00:42:43.467>and <00:42:43.555>let <00:42:43.642>you <00:42:43.730>preview <00:42:43.817>how <00:42:43.904>it's <00:42:43.992>going <00:42:44.080>to <00:42:44.167>apply. <00:42:44.255>So <00:42:44.342>there's <00:42:44.430>lots <00:42:44.517>of <00:42:44.605>other

00:42:46.930 --> 00:42:48.850
<00:42:46.930>examples <00:42:47.129>like <00:42:47.330>that <00:42:47.529>for <00:42:47.730>applying <00:42:47.930>in <00:42:48.129>our <00:42:48.330>products.

00:42:49.330 --> 00:42:52.130
<00:42:49.330>We're <00:42:49.563>also <00:42:49.796>applying <00:42:50.029>AI <00:42:50.263>increasingly <00:42:50.496>in <00:42:50.730>helping

00:42:52.450 --> 00:42:53.970
<00:42:52.450>with <00:42:52.906>our <00:42:53.361>engineering <00:42:53.817>productivity.

00:42:55.825 --> 00:43:00.065
<00:42:55.825>So <00:42:55.918>that <00:42:56.011>includes <00:42:56.105>using <00:42:56.198>things <00:42:56.291>like <00:42:56.384>GitHub <00:42:56.478>Copilot. <00:42:56.571>But <00:42:56.665>also <00:42:56.758>that <00:42:56.851>LLM <00:42:56.944>tool <00:42:57.038>that <00:42:57.131>I <00:42:57.225>just

00:43:00.065 --> 00:43:00.625
mentioned

00:43:01.025 --> 00:43:05.505
<00:43:01.025>is <00:43:01.125>helping <00:43:01.225>folks <00:43:01.325>break <00:43:01.425>down <00:43:01.525>much <00:43:01.625>larger <00:43:01.725>tasks <00:43:01.825>and <00:43:01.925>understand <00:43:02.025>how <00:43:02.125>to <00:43:02.225>approach <00:43:02.325>them. <00:43:02.425>And

00:43:05.505 --> 00:43:07.025
<00:43:05.505>I <00:43:05.847>think <00:43:06.189>that's <00:43:06.531>pretty <00:43:06.873>exciting.

00:43:07.665 --> 00:43:08.465
<00:43:07.665>And <00:43:08.025>then <00:43:08.385>finally,

00:43:09.350 --> 00:43:10.950
<00:43:09.350>AI <00:43:09.700>this <00:43:10.049>year <00:43:10.400>has <00:43:10.750>been

00:43:11.510 --> 00:43:16.310
<00:43:11.510>a <00:43:11.617>real <00:43:11.725>kind <00:43:11.833>of <00:43:11.940>accelerant <00:43:12.048>and <00:43:12.156>interesting <00:43:12.263>kind <00:43:12.371>of <00:43:12.479>area <00:43:12.586>for <00:43:12.694>our <00:43:12.802>business <00:43:12.910>because

00:43:16.550 --> 00:43:18.070
<00:43:16.550>at <00:43:17.234>Stripe, <00:43:17.918>we

00:43:19.190 --> 00:43:25.215
<00:43:19.190>have <00:43:19.283>had <00:43:19.376>the <00:43:19.470>opportunity <00:43:19.563>to <00:43:19.656>be <00:43:19.750>part <00:43:19.843>of <00:43:19.936>pretty <00:43:20.030>much <00:43:20.123>every <00:43:20.216>wave <00:43:20.310>of <00:43:20.403>new <00:43:20.496>technology <00:43:20.590>companies,

00:43:25.615 --> 00:43:30.255
<00:43:25.615>over <00:43:25.708>the <00:43:25.801>last <00:43:25.895>ten <00:43:25.988>years <00:43:26.081>as <00:43:26.174>they <00:43:26.268>have <00:43:26.361>adopted <00:43:26.455>our <00:43:26.548>tool, <00:43:26.641>our <00:43:26.734>financial <00:43:26.828>platform <00:43:26.921>in <00:43:27.015>order

00:43:30.255 --> 00:43:32.335
<00:43:30.255>to <00:43:30.721>accelerate <00:43:31.188>their <00:43:31.655>progress.

00:43:32.735 --> 00:43:33.295
We

00:43:33.695 --> 00:43:39.455
<00:43:33.695>are <00:43:33.795>today <00:43:33.895>working <00:43:33.995>with <00:43:34.095>the <00:43:34.195>vast <00:43:34.295>majority <00:43:34.395>of <00:43:34.495>new <00:43:34.595>AI <00:43:34.695>companies <00:43:34.795>getting <00:43:34.895>started <00:43:34.995>and <00:43:35.095>scaling.

00:43:40.210 --> 00:43:44.130
<00:43:40.210>The <00:43:40.326>interesting <00:43:40.443>thing <00:43:40.560>about <00:43:40.676>AI <00:43:40.793>is <00:43:40.910>that <00:43:41.026>inference <00:43:41.143>is <00:43:41.260>actually <00:43:41.376>quite <00:43:41.493>expensive. <00:43:41.610>So,

00:43:44.450 --> 00:43:48.050
<00:43:44.450>I <00:43:44.543>think <00:43:44.636>most <00:43:44.730>of <00:43:44.823>these <00:43:44.916>companies <00:43:45.009>need <00:43:45.103>to <00:43:45.196>actually <00:43:45.290>have <00:43:45.383>a <00:43:45.476>business <00:43:45.569>model <00:43:45.663>where <00:43:45.756>they <00:43:45.850>charge

00:43:48.050 --> 00:43:52.530
<00:43:48.050>and <00:43:48.137>bring <00:43:48.225>in <00:43:48.312>real <00:43:48.400>revenue <00:43:48.487>from <00:43:48.575>the <00:43:48.662>beginning. <00:43:48.750>And <00:43:48.837>so <00:43:48.925>it's <00:43:49.012>been <00:43:49.100>really <00:43:49.187>great <00:43:49.275>to <00:43:49.362>work <00:43:49.450>with

00:43:52.530 --> 00:43:53.810
<00:43:52.530>companies <00:43:53.106>like <00:43:53.682>OpenAI

00:43:53.955 --> 00:43:54.915
<00:43:53.955>and <00:43:54.819>Midjourney.

00:43:55.235 --> 00:43:58.995
<00:43:55.235>For <00:43:55.335>both <00:43:55.435>of <00:43:55.535>them, <00:43:55.635>we're <00:43:55.735>powering <00:43:55.835>their <00:43:55.935>payments <00:43:56.035>and <00:43:56.135>their <00:43:56.235>subscriptions <00:43:56.335>and <00:43:56.435>a <00:43:56.535>lot <00:43:56.635>of

00:43:58.995 --> 00:44:02.275
<00:43:58.995>their <00:43:59.095>back <00:43:59.194>office. <00:43:59.295>They're <00:43:59.395>taking <00:43:59.495>advantage <00:43:59.595>of <00:43:59.694>our <00:43:59.795>software <00:43:59.895>as <00:43:59.995>a <00:44:00.095>service <00:44:00.194>tools <00:44:00.295>like <00:44:00.395>Stripe

00:44:02.275 --> 00:44:05.315
<00:44:02.275>Billing, <00:44:02.450>revenue <00:44:02.625>recognition <00:44:02.800>products <00:44:02.975>to <00:44:03.150>really <00:44:03.325>run <00:44:03.500>that <00:44:03.675>operations.

00:44:06.320 --> 00:44:12.000
<00:44:06.320>But <00:44:06.402>also <00:44:06.484>working <00:44:06.567>with <00:44:06.649>with <00:44:06.731>many <00:44:06.814>others. <00:44:06.896>So, <00:44:06.978>you <00:44:07.061>know, <00:44:07.143>in <00:44:07.225>in <00:44:07.308>in <00:44:07.390>Europe, <00:44:07.472>I <00:44:07.555>think <00:44:07.637>it's <00:44:07.720>a

00:44:12.000 --> 00:44:13.760
<00:44:12.000>German <00:44:12.466>company, <00:44:12.933>Aleph <00:44:13.400>Alpha,

00:44:14.000 --> 00:44:19.680
<00:44:14.000>is <00:44:14.093>is <00:44:14.186>using <00:44:14.280>Stripe <00:44:14.373>to <00:44:14.466>to <00:44:14.560>power <00:44:14.653>their <00:44:14.746>growth, <00:44:14.840>working <00:44:14.933>with <00:44:15.026>companies <00:44:15.120>like <00:44:15.213>Aron <00:44:15.306>dot <00:44:15.400>ai,

00:44:19.925 --> 00:44:22.085
<00:44:19.925>also <00:44:20.205>more <00:44:20.485>established <00:44:20.765>AI <00:44:21.045>powered <00:44:21.325>companies,

00:44:22.325 --> 00:44:25.765
<00:44:22.325>like, <00:44:22.480>DeepL, <00:44:22.636>which <00:44:22.791>is <00:44:22.947>translation <00:44:23.102>software. <00:44:23.258>So <00:44:23.413>the <00:44:23.569>point <00:44:23.725>is,

00:44:26.245 --> 00:44:27.125
actually

00:44:27.205 --> 00:44:28.085
understanding

00:44:28.085 --> 00:44:28.885
this

00:44:28.885 --> 00:44:34.005
<00:44:28.885>new <00:44:28.985>set <00:44:29.085>of <00:44:29.185>companies' <00:44:29.285>needs, <00:44:29.385>and <00:44:29.485>building <00:44:29.585>and <00:44:29.685>or <00:44:29.785>adapting <00:44:29.885>our <00:44:29.985>our <00:44:30.085>products <00:44:30.185>rapidly <00:44:30.285>to

00:44:34.005 --> 00:44:36.980
<00:44:34.005>their <00:44:34.180>needs <00:44:34.355>has <00:44:34.530>been <00:44:34.705>a <00:44:34.880>fun <00:44:35.055>challenge <00:44:35.230>and <00:44:35.405>opportunity.

00:44:37.700 --> 00:44:38.980
<00:44:37.700>Yeah. <00:44:38.852>It's

00:44:38.980 --> 00:44:40.340
<00:44:38.980>so <00:44:39.592>fascinating <00:44:40.204>because

00:44:40.740 --> 00:44:42.660
<00:44:40.740>for <00:44:41.089>me, <00:44:41.439>AI <00:44:41.790>is <00:44:42.140>so

00:44:43.220 --> 00:44:47.700
<00:44:43.220>it <00:44:43.359>turned <00:44:43.500>from <00:44:43.640>like, <00:44:43.779>doesn't <00:44:43.919>work <00:44:44.060>at <00:44:44.200>all <00:44:44.339>to <00:44:44.480>works <00:44:44.620>incredibly

00:44:48.100 --> 00:44:52.415
<00:44:48.100>well <00:44:48.207>in <00:44:48.315>such <00:44:48.423>a <00:44:48.530>short <00:44:48.638>period <00:44:48.746>of <00:44:48.853>time. <00:44:48.961>And <00:44:49.069>right <00:44:49.176>now, <00:44:49.284>it's <00:44:49.392>almost <00:44:49.500>everywhere.

00:44:53.855 --> 00:44:59.135
<00:44:53.855>It's <00:44:53.932>interesting <00:44:54.010>also <00:44:54.088>how <00:44:54.166>you <00:44:54.243>can <00:44:54.321>use <00:44:54.399>it <00:44:54.477>on <00:44:54.555>a <00:44:54.632>day <00:44:54.710>to <00:44:54.788>day <00:44:54.866>basis <00:44:54.943>with <00:44:55.021>co <00:44:55.099>pilot <00:44:55.177>and <00:44:55.255>things.

00:45:01.135 --> 00:45:05.375
<00:45:01.135>It's <00:45:01.251>just <00:45:01.368>a <00:45:01.485>tool <00:45:01.601>that <00:45:01.718>makes <00:45:01.835>you, <00:45:01.951>I <00:45:02.068>think, <00:45:02.185>so <00:45:02.301>much <00:45:02.418>more <00:45:02.535>productive.

00:45:05.855 --> 00:45:11.090
<00:45:05.855>I <00:45:05.942>also <00:45:06.030>try <00:45:06.117>to <00:45:06.205>use <00:45:06.292>it, <00:45:06.380>like, <00:45:06.467>on <00:45:06.555>a <00:45:06.642>daily <00:45:06.730>basis. <00:45:06.817>Yeah. <00:45:06.905>That's <00:45:06.992>really <00:45:07.080>that's <00:45:07.167>really <00:45:07.255>incredible.

00:45:11.330 --> 00:45:12.770
<00:45:11.330>Agreed. <00:45:11.978>And <00:45:12.626>look,

00:45:13.010 --> 00:45:15.570
<00:45:13.010>there <00:45:13.210>there <00:45:13.410>are <00:45:13.610>still <00:45:13.810>lots <00:45:14.010>of <00:45:14.210>challenges. <00:45:14.410>We

00:45:15.890 --> 00:45:17.410
<00:45:15.890>I <00:45:16.346>I <00:45:16.801>mentioned <00:45:17.258>that

00:45:17.650 --> 00:45:19.970
<00:45:17.650>product <00:45:17.883>that <00:45:18.116>answers <00:45:18.350>questions <00:45:18.583>from <00:45:18.816>our <00:45:19.050>docs.

00:45:20.210 --> 00:45:23.275
<00:45:20.210>Mhmm. <00:45:20.337>It's <00:45:20.464>been <00:45:20.591>in <00:45:20.719>beta <00:45:20.846>for <00:45:20.973>longer <00:45:21.100>than <00:45:21.228>I <00:45:21.355>would <00:45:21.482>have <00:45:21.610>expected.

00:45:23.595 --> 00:45:26.475
<00:45:23.595>It's <00:45:23.734>working <00:45:23.875>well <00:45:24.015>in <00:45:24.154>beta, <00:45:24.294>but <00:45:24.435>we <00:45:24.575>find <00:45:24.714>that <00:45:24.855>there <00:45:24.995>were,

00:45:26.715 --> 00:45:29.835
<00:45:26.715>challenges <00:45:26.915>that <00:45:27.115>we <00:45:27.315>needed <00:45:27.515>to <00:45:27.715>address <00:45:27.915>around <00:45:28.115>hallucination,

00:45:30.155 --> 00:45:31.995
<00:45:30.155>which <00:45:30.388>we <00:45:30.621>have <00:45:30.855>not <00:45:31.088>had <00:45:31.321>to <00:45:31.555>address,

00:45:32.875 --> 00:45:33.595
by

00:45:33.755 --> 00:45:38.460
<00:45:33.755>actually <00:45:33.882>layering <00:45:34.009>multiple <00:45:34.136>LLM <00:45:34.264>prompts <00:45:34.391>where <00:45:34.518>we <00:45:34.645>first <00:45:34.773>like <00:45:34.900>the <00:45:35.027>document <00:45:35.155>side,

00:45:38.620 --> 00:45:41.180
<00:45:38.620>generate <00:45:38.759>an <00:45:38.900>answer <00:45:39.040>from <00:45:39.180>them, <00:45:39.319>then <00:45:39.460>actually <00:45:39.600>ask <00:45:39.740>an <00:45:39.880>LLM, <00:45:40.020>can

00:45:41.580 --> 00:45:45.420
<00:45:41.580>you <00:45:41.680>show <00:45:41.779>them <00:45:41.880>why <00:45:41.980>that <00:45:42.080>answer <00:45:42.180>related <00:45:42.279>to <00:45:42.380>this <00:45:42.480>doc? <00:45:42.580>There's <00:45:42.680>definitely <00:45:42.779>a <00:45:42.880>learning <00:45:42.980>curve

00:45:45.420 --> 00:45:50.795
<00:45:45.420>for <00:45:45.497>all <00:45:45.575>of <00:45:45.653>us <00:45:45.731>here. <00:45:45.808>I'm <00:45:45.886>excited <00:45:45.964>to <00:45:46.042>continue <00:45:46.120>on <00:45:46.197>that <00:45:46.275>journey. <00:45:46.353>And, <00:45:46.431>I <00:45:46.508>mean, <00:45:46.586>I <00:45:46.664>I <00:45:46.742>was <00:45:46.820>using,

00:45:50.955 --> 00:45:53.675
<00:45:50.955>an <00:45:51.110>LLM <00:45:51.266>last <00:45:51.421>night <00:45:51.577>when <00:45:51.732>I <00:45:51.888>was <00:45:52.043>writing <00:45:52.199>some <00:45:52.355>code.

00:45:53.915 --> 00:45:57.755
<00:45:53.915>I <00:45:54.008>asked <00:45:54.101>if <00:45:54.195>I <00:45:54.288>do <00:45:54.381>a <00:45:54.475>specific <00:45:54.568>thing <00:45:54.661>with <00:45:54.755>regular <00:45:54.848>expressions, <00:45:54.941>and <00:45:55.035>it <00:45:55.128>actually <00:45:55.221>just <00:45:55.315>made

00:45:57.755 --> 00:46:01.515
<00:45:57.755>up <00:45:57.855>the <00:45:57.955>answer. <00:45:58.055>Turns <00:45:58.155>out <00:45:58.255>it <00:45:58.355>doesn't <00:45:58.455>work. <00:45:58.555>So <00:45:58.655>this <00:45:58.755>is <00:45:58.855>still <00:45:58.955>a <00:45:59.055>problem. <00:45:59.155>But

00:46:01.915 --> 00:46:04.190
<00:46:01.915>I <00:46:02.070>think <00:46:02.226>as <00:46:02.381>an <00:46:02.537>industry, <00:46:02.692>we're <00:46:02.848>learning <00:46:03.003>a <00:46:03.159>lot <00:46:03.315>more,

00:46:04.590 --> 00:46:10.350
<00:46:04.590>about <00:46:04.672>it. <00:46:04.754>And <00:46:04.837>and <00:46:04.919>we <00:46:05.001>at <00:46:05.084>Stripe <00:46:05.166>and <00:46:05.248>we <00:46:05.331>personally, <00:46:05.413>we <00:46:05.495>feel <00:46:05.578>quite <00:46:05.660>strongly <00:46:05.742>this <00:46:05.825>is <00:46:05.907>a <00:46:05.990>new

00:46:10.350 --> 00:46:15.870
<00:46:10.350>set <00:46:10.450>of <00:46:10.549>profoundly <00:46:10.650>valuable <00:46:10.750>technologies <00:46:10.850>that <00:46:10.950>is <00:46:11.049>enabling <00:46:11.150>a <00:46:11.250>whole <00:46:11.350>new <00:46:11.450>set <00:46:11.549>of, <00:46:11.650>use <00:46:11.750>cases,

00:46:16.615 --> 00:46:19.335
<00:46:16.615>And, <00:46:16.742>yeah, <00:46:16.869>excited <00:46:16.996>to <00:46:17.124>figure <00:46:17.251>out <00:46:17.378>how <00:46:17.505>to <00:46:17.633>apply <00:46:17.760>that <00:46:17.887>at <00:46:18.015>scale.

00:46:19.895 --> 00:46:20.535
Yeah.

00:46:21.655 --> 00:46:27.415
<00:46:21.655>Super. <00:46:21.732>So, <00:46:21.810>I <00:46:21.888>mean, <00:46:21.966>I <00:46:22.043>think <00:46:22.121>we <00:46:22.199>we <00:46:22.277>already <00:46:22.355>learned <00:46:22.432>a <00:46:22.510>lot <00:46:22.588>of, <00:46:22.666>like, <00:46:22.743>what <00:46:22.821>it's <00:46:22.899>like <00:46:22.977>to <00:46:23.055>be

00:46:27.415 --> 00:46:29.015
<00:46:27.415>a <00:46:27.881>CTO <00:46:28.348>at <00:46:28.815>Stripe.

00:46:30.660 --> 00:46:35.140
<00:46:30.660>Maybe <00:46:30.815>we <00:46:30.971>can <00:46:31.126>also <00:46:31.282>touch <00:46:31.437>point <00:46:31.593>on <00:46:31.748>some <00:46:31.904>individual <00:46:32.060>learnings,

00:46:35.140 --> 00:46:35.540
like

00:46:36.020 --> 00:46:41.860
<00:46:36.020>how <00:46:36.102>to <00:46:36.184>become <00:46:36.267>a <00:46:36.349>CTO <00:46:36.431>at <00:46:36.514>Stripe <00:46:36.596>and <00:46:36.678>what <00:46:36.761>was <00:46:36.843>your <00:46:36.925>journey <00:46:37.008>and <00:46:37.090>what <00:46:37.172>are <00:46:37.255>your <00:46:37.337>learnings <00:46:37.420>if

00:46:41.860 --> 00:46:47.275
<00:46:41.860>you <00:46:41.947>look <00:46:42.035>back, <00:46:42.122>like, <00:46:42.210>I <00:46:42.297>don't <00:46:42.385>know, <00:46:42.472>like <00:46:42.560>David <00:46:42.647>five <00:46:42.735>years <00:46:42.822>ago, <00:46:42.910>David, <00:46:42.997>what <00:46:43.085>would <00:46:43.172>he <00:46:43.260>tell

00:46:47.275 --> 00:46:50.955
<00:46:47.275>David <00:46:47.430>now? <00:46:47.586>What <00:46:47.741>are <00:46:47.897>the <00:46:48.052>things <00:46:48.208>that <00:46:48.363>you <00:46:48.519>learned, <00:46:48.675>convictions

00:46:50.955 --> 00:46:52.315
<00:46:50.955>that <00:46:51.363>you <00:46:51.771>have <00:46:52.179>now?

00:46:56.475 --> 00:46:57.355
<00:46:56.475>Yeah, <00:46:56.871>good <00:46:57.267>question.

00:47:00.210 --> 00:47:02.050
<00:47:00.210>I <00:47:00.676>had <00:47:01.143>a <00:47:01.610>relatively

00:47:03.250 --> 00:47:08.290
<00:47:03.250>random <00:47:03.323>walk <00:47:03.397>in <00:47:03.471>my <00:47:03.544>career <00:47:03.618>to <00:47:03.692>end <00:47:03.765>up <00:47:03.839>in <00:47:03.913>this <00:47:03.986>kind <00:47:04.060>of <00:47:04.134>a <00:47:04.207>role. <00:47:04.281>I <00:47:04.355>love <00:47:04.428>this <00:47:04.502>job <00:47:04.576>because <00:47:04.650>I

00:47:08.290 --> 00:47:10.930
<00:47:08.290>feel <00:47:08.523>like <00:47:08.756>I <00:47:08.990>have <00:47:09.223>the <00:47:09.456>opportunity <00:47:09.690>to

00:47:11.485 --> 00:47:15.885
<00:47:11.485>work <00:47:11.612>with <00:47:11.739>so <00:47:11.866>many <00:47:11.994>other <00:47:12.121>people <00:47:12.248>at <00:47:12.375>Stripe <00:47:12.503>and <00:47:12.630>try <00:47:12.757>to <00:47:12.885>enable

00:47:15.885 --> 00:47:18.765
<00:47:15.885>them <00:47:16.085>to <00:47:16.285>have <00:47:16.485>a <00:47:16.685>tremendous <00:47:16.885>amount <00:47:17.085>of <00:47:17.285>impact.

00:47:19.245 --> 00:47:22.445
<00:47:19.245>I <00:47:19.352>also <00:47:19.460>have <00:47:19.568>the <00:47:19.675>opportunity <00:47:19.783>to <00:47:19.891>spend <00:47:19.998>a <00:47:20.106>lot <00:47:20.214>of <00:47:20.321>time <00:47:20.429>with <00:47:20.537>Stripe <00:47:20.645>users

00:47:22.765 --> 00:47:27.200
<00:47:22.765>and <00:47:22.858>really <00:47:22.951>kind <00:47:23.045>of <00:47:23.138>understand <00:47:23.231>and <00:47:23.325>hopefully <00:47:23.418>synthesize <00:47:23.511>a <00:47:23.605>lot <00:47:23.698>of <00:47:23.791>what <00:47:23.884>what <00:47:23.978>they <00:47:24.071>tell <00:47:24.165>me

00:47:27.200 --> 00:47:30.960
<00:47:27.200>to <00:47:27.287>help <00:47:27.375>bring <00:47:27.462>a <00:47:27.549>lot <00:47:27.637>of <00:47:27.725>context <00:47:27.812>into <00:47:27.899>into <00:47:27.987>the <00:47:28.075>company. <00:47:28.162>So <00:47:28.250>it's <00:47:28.337>a <00:47:28.424>lot <00:47:28.512>of <00:47:28.600>fun.

00:47:32.160 --> 00:47:37.040
<00:47:32.160>Probably <00:47:32.247>the <00:47:32.335>most <00:47:32.422>important <00:47:32.509>kind <00:47:32.597>of <00:47:32.685>moment <00:47:32.772>in <00:47:32.859>my <00:47:32.947>career <00:47:33.035>that <00:47:33.122>led <00:47:33.210>me <00:47:33.297>on <00:47:33.384>this <00:47:33.472>path <00:47:33.560>was

00:47:37.040 --> 00:47:40.885
<00:47:37.040>the <00:47:37.156>decision <00:47:37.273>to <00:47:37.390>move <00:47:37.506>from <00:47:37.623>being <00:47:37.740>an <00:47:37.856>individual <00:47:37.973>contributor <00:47:38.090>software <00:47:38.206>engineer <00:47:38.323>to <00:47:38.440>being

00:47:40.885 --> 00:47:42.885
<00:47:40.885>a <00:47:41.351>software <00:47:41.818>engineering <00:47:42.285>manager.

00:47:44.085 --> 00:47:46.085
<00:47:44.085>And <00:47:44.551>that <00:47:45.018>was <00:47:45.485>a

00:47:47.125 --> 00:47:51.205
<00:47:47.125>that <00:47:47.212>that <00:47:47.300>was <00:47:47.387>something <00:47:47.475>that <00:47:47.562>for <00:47:47.650>me <00:47:47.737>happened <00:47:47.825>a <00:47:47.912>little <00:47:48.000>bit <00:47:48.087>by <00:47:48.175>necessity. <00:47:48.262>I <00:47:48.350>was <00:47:48.437>part <00:47:48.525>of

00:47:51.205 --> 00:47:54.485
<00:47:51.205>a <00:47:51.292>team <00:47:51.380>that <00:47:51.467>had <00:47:51.555>just <00:47:51.642>grown <00:47:51.730>a <00:47:51.817>lot <00:47:51.904>and <00:47:51.992>was <00:47:52.080>clear <00:47:52.167>that <00:47:52.255>there <00:47:52.342>was <00:47:52.430>another <00:47:52.517>manager <00:47:52.605>required.

00:47:54.485 --> 00:47:58.450
<00:47:54.485>And <00:47:54.572>I <00:47:54.660>think <00:47:54.747>that's <00:47:54.835>a <00:47:54.922>pretty <00:47:55.010>that's <00:47:55.097>a <00:47:55.185>pretty <00:47:55.272>common <00:47:55.360>journey <00:47:55.447>that <00:47:55.535>many <00:47:55.622>people <00:47:55.710>in <00:47:55.797>our <00:47:55.885>industry

00:47:58.450 --> 00:47:59.090
have.

00:48:00.370 --> 00:48:04.930
<00:48:00.370>And <00:48:00.457>one <00:48:00.545>thing <00:48:00.632>that <00:48:00.720>I <00:48:00.807>think <00:48:00.895>is <00:48:00.982>important <00:48:01.069>to <00:48:01.157>know, <00:48:01.245>I <00:48:01.332>mean, <00:48:01.420>certainly <00:48:01.507>this <00:48:01.595>applies <00:48:01.682>at <00:48:01.770>Stripe,

00:48:04.930 --> 00:48:10.210
<00:48:04.930>but <00:48:05.037>I <00:48:05.145>think <00:48:05.253>increasingly <00:48:05.360>at <00:48:05.468>other <00:48:05.576>companies <00:48:05.683>is <00:48:05.791>that <00:48:05.899>moving <00:48:06.006>from <00:48:06.114>software <00:48:06.222>engineer <00:48:06.330>to

00:48:09.295 --> 00:48:14.015
<00:48:09.295>engineering <00:48:09.395>management <00:48:09.495>is <00:48:09.595>not <00:48:09.695>the <00:48:09.795>only <00:48:09.895>path <00:48:09.995>to <00:48:10.095>increase <00:48:10.195>your <00:48:10.295>impact <00:48:10.395>as <00:48:10.495>a <00:48:10.595>software <00:48:10.695>engineer

00:48:14.015 --> 00:48:18.335
<00:48:14.015>in <00:48:14.131>the <00:48:14.248>industry. <00:48:14.365>At <00:48:14.481>Stripe, <00:48:14.598>we <00:48:14.714>have <00:48:14.831>a <00:48:14.948>really <00:48:15.065>kind <00:48:15.181>of <00:48:15.298>well <00:48:15.415>defined

00:48:18.655 --> 00:48:20.975
<00:48:18.655>senior <00:48:19.121>individual <00:48:19.588>contributor <00:48:20.055>track.

00:48:21.710 --> 00:48:25.710
<00:48:21.710>And <00:48:21.803>in <00:48:21.896>those <00:48:21.990>roles, <00:48:22.083>people <00:48:22.176>have <00:48:22.270>tremendous <00:48:22.363>impact <00:48:22.456>here. <00:48:22.550>I <00:48:22.643>think <00:48:22.736>this <00:48:22.830>is <00:48:22.923>true <00:48:23.016>across <00:48:23.110>a

00:48:25.710 --> 00:48:29.310
<00:48:25.710>lot <00:48:25.803>of <00:48:25.896>other <00:48:25.990>companies. <00:48:26.083>So <00:48:26.176>I <00:48:26.270>would <00:48:26.363>say <00:48:26.456>to <00:48:26.550>anyone <00:48:26.643>who's <00:48:26.736>like <00:48:26.830>thinking <00:48:26.923>about, <00:48:27.016>hey, <00:48:27.110>I'd

00:48:29.310 --> 00:48:32.830
<00:48:29.310>like <00:48:29.387>to <00:48:29.465>do <00:48:29.543>a <00:48:29.621>job <00:48:29.698>like <00:48:29.776>that <00:48:29.854>in <00:48:29.932>the <00:48:30.009>future. <00:48:30.087>You <00:48:30.165>first <00:48:30.243>of <00:48:30.321>all <00:48:30.398>really <00:48:30.476>reflect <00:48:30.554>on <00:48:30.632>what <00:48:30.710>is

00:48:32.830 --> 00:48:36.015
<00:48:32.830>it <00:48:32.957>that <00:48:33.084>gives <00:48:33.211>you <00:48:33.339>a <00:48:33.466>lot <00:48:33.593>of <00:48:33.720>energy <00:48:33.848>because <00:48:33.975>if <00:48:34.102>it's <00:48:34.230>people

00:48:36.175 --> 00:48:41.055
<00:48:36.175>and <00:48:36.275>enabling <00:48:36.375>other <00:48:36.475>people <00:48:36.575>to <00:48:36.675>have <00:48:36.775>impact, <00:48:36.875>you <00:48:36.975>might <00:48:37.075>really <00:48:37.175>enjoy <00:48:37.275>a <00:48:37.375>path <00:48:37.475>towards <00:48:37.575>management.

00:48:41.215 --> 00:48:44.255
<00:48:41.215>If <00:48:41.292>it <00:48:41.370>is <00:48:41.448>the <00:48:41.526>craft, <00:48:41.603>and <00:48:41.681>of <00:48:41.759>course <00:48:41.837>there <00:48:41.915>plenty <00:48:41.992>of <00:48:42.070>people <00:48:42.148>you're <00:48:42.226>going <00:48:42.303>to <00:48:42.381>talk <00:48:42.459>to <00:48:42.537>as <00:48:42.615>you

00:48:44.255 --> 00:48:46.575
<00:48:44.255>do <00:48:44.455>it, <00:48:44.655>it's <00:48:44.855>the <00:48:45.055>craft <00:48:45.255>of <00:48:45.455>software <00:48:45.655>development,

00:48:47.455 --> 00:48:48.815
<00:48:47.455>and <00:48:47.761>applying <00:48:48.067>some <00:48:48.373>of <00:48:48.679>the

00:48:49.135 --> 00:48:52.530
<00:48:49.135>tips <00:48:49.222>tips <00:48:49.310>and <00:48:49.397>tricks <00:48:49.485>that <00:48:49.572>we <00:48:49.660>just <00:48:49.747>talked <00:48:49.835>about, <00:48:49.922>you <00:48:50.010>may <00:48:50.097>actually <00:48:50.185>find <00:48:50.272>like <00:48:50.360>a <00:48:50.447>senior <00:48:50.535>engineer

00:48:52.530 --> 00:48:54.850
<00:48:52.530>path <00:48:52.810>is <00:48:53.090>more <00:48:53.370>relevant <00:48:53.650>for <00:48:53.930>you.

00:48:55.570 --> 00:48:59.410
<00:48:55.570>At <00:48:55.663>the <00:48:55.756>moment <00:48:55.850>that <00:48:55.943>you <00:48:56.036>do <00:48:56.130>step <00:48:56.223>into <00:48:56.316>an <00:48:56.410>engineering <00:48:56.503>manager <00:48:56.596>role, <00:48:56.690>think <00:48:56.783>though, <00:48:56.876>the <00:48:56.970>important

00:48:59.410 --> 00:49:03.010
<00:48:59.410>thing <00:48:59.492>to <00:48:59.574>realize <00:48:59.657>is <00:48:59.739>you <00:48:59.821>can't <00:48:59.904>just <00:48:59.986>keep <00:49:00.068>doing <00:49:00.151>the <00:49:00.233>same <00:49:00.315>thing <00:49:00.398>you <00:49:00.480>were <00:49:00.562>before <00:49:00.645>with <00:49:00.727>a <00:49:00.810>little

00:49:03.010 --> 00:49:06.585
<00:49:03.010>bit <00:49:03.097>of <00:49:03.185>management <00:49:03.272>on <00:49:03.360>the <00:49:03.447>side. <00:49:03.535>It's <00:49:03.622>actually <00:49:03.710>quite <00:49:03.797>a <00:49:03.885>different <00:49:03.972>job. <00:49:04.060>So <00:49:04.147>for <00:49:04.235>me, <00:49:04.322>the <00:49:04.410>most

00:49:06.585 --> 00:49:10.825
<00:49:06.585>important <00:49:06.672>thing <00:49:06.760>in <00:49:06.847>the <00:49:06.935>very <00:49:07.022>early <00:49:07.110>days <00:49:07.197>was <00:49:07.285>actually <00:49:07.372>to <00:49:07.460>step <00:49:07.547>away <00:49:07.635>from <00:49:07.722>doing <00:49:07.810>lots <00:49:07.897>of <00:49:07.985>coding

00:49:10.825 --> 00:49:15.465
<00:49:10.825>on <00:49:10.912>the <00:49:11.000>critical <00:49:11.087>path <00:49:11.174>of <00:49:11.262>projects <00:49:11.350>to <00:49:11.437>try <00:49:11.524>and <00:49:11.612>take <00:49:11.700>this <00:49:11.787>broader <00:49:11.875>view. <00:49:11.962>And <00:49:12.049>then <00:49:12.137>it's <00:49:12.225>actually

00:49:15.465 --> 00:49:16.345
<00:49:15.465>quite <00:49:16.256>interesting,

00:49:16.745 --> 00:49:19.785
<00:49:16.745>I <00:49:16.900>think <00:49:17.056>as <00:49:17.211>I've <00:49:17.367>become <00:49:17.522>a <00:49:17.678>more <00:49:17.833>senior <00:49:17.989>engineering <00:49:18.145>leader,

00:49:20.850 --> 00:49:23.250
<00:49:20.850>the <00:49:21.130>need <00:49:21.410>to <00:49:21.690>actually <00:49:21.970>then <00:49:22.250>stay

00:49:23.410 --> 00:49:28.050
<00:49:23.410>somewhat <00:49:23.503>in <00:49:23.596>the <00:49:23.690>details <00:49:23.783>and <00:49:23.876>write <00:49:23.970>some <00:49:24.063>code <00:49:24.156>in <00:49:24.250>the <00:49:24.343>projects <00:49:24.436>that <00:49:24.529>exist <00:49:24.623>at <00:49:24.716>the <00:49:24.810>company,

00:49:28.050 --> 00:49:30.050
<00:49:28.050>I <00:49:28.283>also <00:49:28.516>think <00:49:28.750>is <00:49:28.983>very <00:49:29.216>important. <00:49:29.450>So

00:49:30.450 --> 00:49:32.690
<00:49:30.450>I <00:49:31.149>think <00:49:31.850>that

00:49:32.145 --> 00:49:35.985
<00:49:32.145>it's <00:49:32.238>really <00:49:32.331>valuable <00:49:32.425>to <00:49:32.518>reflect <00:49:32.611>on <00:49:32.705>what's <00:49:32.798>going <00:49:32.891>to <00:49:32.985>give <00:49:33.078>you <00:49:33.171>the <00:49:33.265>right <00:49:33.358>context <00:49:33.451>at <00:49:33.545>every

00:49:35.985 --> 00:49:37.105
<00:49:35.985>point <00:49:36.321>along <00:49:36.657>the <00:49:36.993>way.

00:49:37.585 --> 00:49:39.345
<00:49:37.585>And <00:49:37.760>then <00:49:37.935>the <00:49:38.110>final <00:49:38.285>thing <00:49:38.460>I'll <00:49:38.635>say <00:49:38.810>here <00:49:38.985>is

00:49:40.545 --> 00:49:43.425
<00:49:40.545>as <00:49:40.825>you <00:49:41.105>get <00:49:41.385>more <00:49:41.665>senior <00:49:41.945>in

00:49:44.945 --> 00:49:45.745
<00:49:44.945>any <00:49:45.665>enterprise,

00:49:46.180 --> 00:49:50.420
<00:49:46.180>there <00:49:46.279>will <00:49:46.379>actually <00:49:46.480>tend <00:49:46.580>to <00:49:46.680>be <00:49:46.779>just <00:49:46.879>a <00:49:46.980>lot <00:49:47.080>of <00:49:47.180>things <00:49:47.279>battling <00:49:47.379>for <00:49:47.480>your <00:49:47.580>attention.

00:49:51.060 --> 00:49:55.300
<00:49:51.060>And <00:49:51.147>I <00:49:51.235>find <00:49:51.322>that <00:49:51.410>something <00:49:51.497>really <00:49:51.585>valuable <00:49:51.672>for <00:49:51.759>me <00:49:51.847>is <00:49:51.935>to <00:49:52.022>go <00:49:52.110>through <00:49:52.197>a <00:49:52.285>process <00:49:52.372>every <00:49:52.460>week

00:49:55.300 --> 00:49:59.780
<00:49:55.300>of <00:49:55.382>reflecting <00:49:55.464>on <00:49:55.547>what <00:49:55.629>do <00:49:55.711>I <00:49:55.794>think <00:49:55.876>is <00:49:55.958>the <00:49:56.041>most <00:49:56.123>important <00:49:56.205>things <00:49:56.288>to <00:49:56.370>get <00:49:56.452>done <00:49:56.535>this <00:49:56.617>week <00:49:56.700>for

00:49:59.780 --> 00:50:03.995
<00:49:59.780>our <00:49:59.862>team <00:49:59.944>and <00:50:00.027>for <00:50:00.109>our <00:50:00.191>users. <00:50:00.274>I'm <00:50:00.356>gonna <00:50:00.438>try <00:50:00.521>to <00:50:00.603>use <00:50:00.685>that <00:50:00.768>to <00:50:00.850>drive <00:50:00.932>and <00:50:01.015>prioritize <00:50:01.097>all <00:50:01.180>of

00:50:03.995 --> 00:50:04.635
<00:50:03.995>my <00:50:04.571>time,

00:50:05.035 --> 00:50:09.595
<00:50:05.035>because <00:50:05.134>otherwise, <00:50:05.234>you <00:50:05.335>find <00:50:05.435>you <00:50:05.535>kind <00:50:05.634>of <00:50:05.734>get <00:50:05.835>led <00:50:05.935>on <00:50:06.035>this, <00:50:06.134>like, <00:50:06.234>continuing <00:50:06.335>random <00:50:06.435>walk

00:50:09.595 --> 00:50:10.635
<00:50:09.595>through <00:50:09.828>what <00:50:10.063>you <00:50:10.297>could <00:50:10.531>do.

00:50:11.515 --> 00:50:12.555
<00:50:11.515>Yeah. <00:50:12.451>Yeah.

00:50:13.035 --> 00:50:14.715
<00:50:13.035>That's <00:50:13.384>that's <00:50:13.734>that's <00:50:14.085>very <00:50:14.435>interesting.

00:50:15.320 --> 00:50:20.120
<00:50:15.320>And <00:50:15.407>what <00:50:15.495>are <00:50:15.582>you <00:50:15.670>excited <00:50:15.757>about <00:50:15.845>for, <00:50:15.932>I <00:50:16.020>don't <00:50:16.107>know, <00:50:16.195>the <00:50:16.282>next <00:50:16.370>year, <00:50:16.457>next <00:50:16.545>five <00:50:16.632>years? <00:50:16.720>Mean,

00:50:20.120 --> 00:50:21.240
<00:50:20.120>five <00:50:20.372>years <00:50:20.624>is <00:50:20.875>a <00:50:21.127>bit

00:50:21.800 --> 00:50:25.160
<00:50:21.800>wide <00:50:21.955>or <00:50:22.111>far <00:50:22.266>fetched. <00:50:22.422>But <00:50:22.577>what <00:50:22.733>are <00:50:22.888>you <00:50:23.044>excited <00:50:23.200>about

00:50:25.560 --> 00:50:27.080
<00:50:25.560>for <00:50:26.244>Stripe <00:50:26.928>and

00:50:27.400 --> 00:50:28.200
<00:50:27.400>for <00:50:27.759>the <00:50:28.120>future?

00:50:28.875 --> 00:50:32.875
<00:50:28.875>Yeah. <00:50:28.962>Well, <00:50:29.050>one <00:50:29.137>thing <00:50:29.225>I'm <00:50:29.312>very <00:50:29.400>excited <00:50:29.487>about <00:50:29.575>for <00:50:29.662>Stripe <00:50:29.750>right <00:50:29.837>now <00:50:29.925>is <00:50:30.012>we <00:50:30.100>are <00:50:30.187>seeing <00:50:30.275>a

00:50:32.875 --> 00:50:33.435
huge

00:50:33.675 --> 00:50:37.355
<00:50:33.675>influx <00:50:33.908>of <00:50:34.141>enterprise <00:50:34.375>businesses <00:50:34.608>on <00:50:34.841>Stripe. <00:50:35.075>So

00:50:38.315 --> 00:50:39.435
<00:50:38.315>today <00:50:39.323>we

00:50:39.755 --> 00:50:45.300
<00:50:39.755>we <00:50:39.855>have <00:50:39.955>more <00:50:40.055>than <00:50:40.155>a <00:50:40.255>100 <00:50:40.355>customers <00:50:40.455>who <00:50:40.555>are <00:50:40.655>processing <00:50:40.755>more <00:50:40.855>than <00:50:40.955>$1,000,000,000 <00:50:41.055>on <00:50:41.155>Stripe

00:50:45.300 --> 00:50:48.820
<00:50:45.300>every <00:50:45.427>year. <00:50:45.554>So <00:50:45.681>that <00:50:45.809>is <00:50:45.936>a <00:50:46.063>huge <00:50:46.190>scale. <00:50:46.318>And <00:50:46.445>that's <00:50:46.572>actually <00:50:46.700>growing

00:50:49.700 --> 00:50:55.220
<00:50:49.700>more <00:50:49.787>than <00:50:49.875>50% <00:50:49.962>year <00:50:50.049>over <00:50:50.137>year <00:50:50.225>for <00:50:50.312>the <00:50:50.399>last <00:50:50.487>four <00:50:50.575>years. <00:50:50.662>So <00:50:50.750>we're <00:50:50.837>seeing <00:50:50.924>this <00:50:51.012>like <00:50:51.100>tremendous

00:50:55.220 --> 00:50:58.755
<00:50:55.220>influx <00:50:55.359>of <00:50:55.500>these <00:50:55.640>large <00:50:55.779>companies <00:50:55.919>that <00:50:56.060>can <00:50:56.200>benefit <00:50:56.339>from <00:50:56.480>our <00:50:56.620>platform.

00:50:59.155 --> 00:51:02.915
<00:50:59.155>And <00:50:59.248>a <00:50:59.341>lot <00:50:59.435>of <00:50:59.528>those <00:50:59.621>companies <00:50:59.715>are <00:50:59.808>coming <00:50:59.901>to <00:50:59.995>Stripe <00:51:00.088>because <00:51:00.181>so <00:51:00.275>these <00:51:00.368>are <00:51:00.461>companies <00:51:00.555>like

00:51:02.915 --> 00:51:06.115
<00:51:02.915>Maersk <00:51:03.090>and <00:51:03.265>Toyota <00:51:03.440>and <00:51:03.615>Ford. <00:51:03.790>What <00:51:03.965>they've <00:51:04.140>seen <00:51:04.315>is,

00:51:06.595 --> 00:51:09.955
<00:51:06.595>a <00:51:06.722>lot <00:51:06.849>of <00:51:06.976>other <00:51:07.104>companies <00:51:07.231>also <00:51:07.358>building <00:51:07.485>on <00:51:07.613>Stripe, <00:51:07.740>companies <00:51:07.867>like <00:51:07.995>Amazon,

00:51:10.275 --> 00:51:12.515
<00:51:10.275>and <00:51:10.625>so <00:51:10.975>forth <00:51:11.325>that <00:51:11.675>have

00:51:13.150 --> 00:51:16.910
<00:51:13.150>they've <00:51:13.266>really <00:51:13.383>kind <00:51:13.500>of <00:51:13.616>disrupted <00:51:13.733>a <00:51:13.850>lot <00:51:13.966>of <00:51:14.083>industries <00:51:14.200>over <00:51:14.316>the <00:51:14.433>last <00:51:14.550>decade.

00:51:17.150 --> 00:51:21.070
<00:51:17.150>And <00:51:17.290>increasingly <00:51:17.430>traditional <00:51:17.570>enterprises <00:51:17.710>are <00:51:17.850>turning <00:51:17.990>to <00:51:18.130>us <00:51:18.270>to <00:51:18.410>say, <00:51:18.550>hey,

00:51:21.230 --> 00:51:24.670
<00:51:21.230>the <00:51:21.317>tools <00:51:21.405>that <00:51:21.492>you <00:51:21.580>have <00:51:21.667>that <00:51:21.755>enable <00:51:21.842>that <00:51:21.930>disruption, <00:51:22.017>we'd <00:51:22.105>like <00:51:22.192>to <00:51:22.280>figure <00:51:22.367>out <00:51:22.455>how <00:51:22.542>to <00:51:22.630>apply

00:51:24.670 --> 00:51:25.390
<00:51:24.670>it <00:51:24.886>in <00:51:25.102>our <00:51:25.317>business.

00:51:25.985 --> 00:51:30.145
<00:51:25.985>That <00:51:26.112>includes <00:51:26.239>companies <00:51:26.366>like <00:51:26.494>Zara <00:51:26.621>and <00:51:26.748>H <00:51:26.875>and <00:51:27.003>M <00:51:27.130>who <00:51:27.257>have <00:51:27.385>seen

00:51:30.465 --> 00:51:33.585
<00:51:30.465>their <00:51:30.745>clothes <00:51:31.025>being <00:51:31.305>sold <00:51:31.585>on <00:51:31.865>marketplaces,

00:51:33.585 --> 00:51:37.185
<00:51:33.585>like <00:51:33.701>secondhand <00:51:33.818>clothes <00:51:33.935>being <00:51:34.051>sold <00:51:34.168>on <00:51:34.285>marketplace <00:51:34.401>like <00:51:34.518>ThredUp <00:51:34.635>and <00:51:34.751>Poshmark <00:51:34.868>and <00:51:34.985>saying,

00:51:37.185 --> 00:51:40.280
<00:51:37.185>well, <00:51:37.272>we'd <00:51:37.360>actually <00:51:37.447>like <00:51:37.535>to <00:51:37.622>build <00:51:37.710>a <00:51:37.797>platform <00:51:37.884>for <00:51:37.972>that <00:51:38.060>ourselves <00:51:38.147>and <00:51:38.235>think <00:51:38.322>we <00:51:38.410>can <00:51:38.497>do <00:51:38.585>a

00:51:40.280 --> 00:51:43.960
<00:51:40.280>great <00:51:40.387>job <00:51:40.495>with <00:51:40.603>And <00:51:40.710>they're <00:51:40.818>using <00:51:40.926>Stripe <00:51:41.033>for <00:51:41.141>that. <00:51:41.249>So <00:51:41.356>the <00:51:41.464>point <00:51:41.572>is <00:51:41.680>I'm

00:51:43.960 --> 00:51:49.640
<00:51:43.960>really <00:51:44.053>excited <00:51:44.146>to <00:51:44.240>figure <00:51:44.333>out <00:51:44.426>how <00:51:44.520>we <00:51:44.613>can <00:51:44.706>both <00:51:44.800>continue <00:51:44.893>to <00:51:44.986>arm <00:51:45.080>the <00:51:45.173>upstarts <00:51:45.266>with <00:51:45.360>great

00:51:49.640 --> 00:51:50.920
<00:51:49.640>financial <00:51:50.792>technology

00:51:51.160 --> 00:51:57.215
<00:51:51.160>and <00:51:51.276>help <00:51:51.393>these <00:51:51.509>more <00:51:51.626>traditional <00:51:51.743>enterprises <00:51:51.859>evolve <00:51:51.976>their <00:51:52.093>business <00:51:52.210>models <00:51:52.326>at <00:51:52.443>the <00:51:52.560>same

00:51:57.215 --> 00:51:58.015
speed

00:51:58.015 --> 00:52:01.695
<00:51:58.015>that <00:51:58.122>we <00:51:58.230>evolve <00:51:58.338>Stripe <00:51:58.445>and <00:51:58.553>that <00:51:58.661>the <00:51:58.768>Internet <00:51:58.876>and <00:51:58.984>commerce <00:51:59.091>at <00:51:59.199>large <00:51:59.307>is <00:51:59.415>changing.

00:52:01.935 --> 00:52:03.855
<00:52:01.935>And <00:52:02.215>that <00:52:02.495>actually <00:52:02.775>represents <00:52:03.055>a <00:52:03.335>tremendous

00:52:04.415 --> 00:52:06.175
<00:52:04.415>set <00:52:04.765>of <00:52:05.115>opportunities <00:52:05.465>and <00:52:05.815>challenges,

00:52:06.415 --> 00:52:07.855
<00:52:06.415>all <00:52:06.846>in <00:52:07.279>service <00:52:07.711>of

00:52:08.760 --> 00:52:12.440
<00:52:08.760>more <00:52:08.887>economic <00:52:09.014>opportunity <00:52:09.141>out <00:52:09.269>there. <00:52:09.396>So <00:52:09.523>I'm <00:52:09.650>I'm <00:52:09.778>very <00:52:09.905>excited <00:52:10.032>about <00:52:10.160>that.

00:52:13.480 --> 00:52:14.120
Nice.

00:52:14.760 --> 00:52:15.400
So,

00:52:16.120 --> 00:52:20.280
<00:52:16.120>I <00:52:16.247>mean, <00:52:16.374>being <00:52:16.501>the <00:52:16.629>CTO <00:52:16.756>of <00:52:16.883>a <00:52:17.010>company <00:52:17.138>like <00:52:17.265>Stripe <00:52:17.392>is <00:52:17.520>impressive.

00:52:20.360 --> 00:52:24.815
<00:52:20.360>And <00:52:20.487>I'm <00:52:20.614>I'm <00:52:20.741>just <00:52:20.869>curious, <00:52:20.996>like, <00:52:21.123>back <00:52:21.250>when <00:52:21.378>you <00:52:21.505>were <00:52:21.632>a <00:52:21.760>kid,

00:52:26.095 --> 00:52:28.655
<00:52:26.095>what <00:52:26.294>did <00:52:26.495>the <00:52:26.694>young <00:52:26.895>David <00:52:27.095>dream <00:52:27.294>of, <00:52:27.495>like,

00:52:28.975 --> 00:52:32.015
<00:52:28.975>what <00:52:29.174>to <00:52:29.375>become? <00:52:29.575>I <00:52:29.775>mean <00:52:29.975>Yeah. <00:52:30.174>Well, <00:52:30.375>in

00:52:32.495 --> 00:52:37.135
<00:52:32.495>the <00:52:32.582>late <00:52:32.670>eighties, <00:52:32.757>when <00:52:32.845>I <00:52:32.932>was <00:52:33.020>a <00:52:33.107>kid, <00:52:33.194>I <00:52:33.282>definitely <00:52:33.370>dreamed <00:52:33.457>of <00:52:33.545>being <00:52:33.632>an <00:52:33.720>astronaut <00:52:33.807>out <00:52:33.895>of

00:52:37.135 --> 00:52:39.260
<00:52:37.135>my <00:52:38.535>I

00:52:39.260 --> 00:52:42.140
<00:52:39.260>thought <00:52:39.387>so. <00:52:39.514>Yeah. <00:52:39.641>I <00:52:39.769>wanted <00:52:39.896>to <00:52:40.023>be <00:52:40.150>when <00:52:40.278>I <00:52:40.405>was <00:52:40.532>a <00:52:40.660>kid.

00:52:42.620 --> 00:52:46.300
<00:52:42.620>But <00:52:42.819>I'm <00:52:43.020>delighted <00:52:43.220>to <00:52:43.420>be <00:52:43.620>a <00:52:43.819>software <00:52:44.020>person.

00:52:47.500 --> 00:52:48.060
By

00:52:48.860 --> 00:52:53.325
<00:52:48.860>by <00:52:48.937>the <00:52:49.015>time <00:52:49.093>I <00:52:49.171>was <00:52:49.248>15 <00:52:49.326>or <00:52:49.404>so, <00:52:49.482>and <00:52:49.560>I <00:52:49.637>taught <00:52:49.715>myself <00:52:49.793>to <00:52:49.871>program <00:52:49.948>in <00:52:50.026>my <00:52:50.104>parents' <00:52:50.182>business <00:52:50.260>and

00:52:53.325 --> 00:52:56.125
<00:52:53.325>so <00:52:53.605>forth, <00:52:53.884>I <00:52:54.165>just <00:52:54.444>love <00:52:54.725>programming.

00:52:56.205 --> 00:52:56.605
Get,

00:52:57.565 --> 00:53:03.325
<00:52:57.565>yeah, <00:52:57.647>I'm <00:52:57.729>sure <00:52:57.812>many <00:52:57.894>of <00:52:57.976>folks <00:52:58.059>listening <00:52:58.141>to <00:52:58.223>this <00:52:58.306>are <00:52:58.388>folks <00:52:58.470>who <00:52:58.553>code <00:52:58.635>for <00:52:58.717>work <00:52:58.800>and <00:52:58.882>also <00:52:58.965>maybe

00:53:03.325 --> 00:53:06.680
<00:53:03.325>code <00:53:03.480>for <00:53:03.636>fun. <00:53:03.791>I <00:53:03.947>get <00:53:04.102>flow <00:53:04.258>when <00:53:04.413>I'm <00:53:04.569>programming. <00:53:04.725>And

00:53:08.920 --> 00:53:12.760
<00:53:08.920>it's <00:53:09.007>just <00:53:09.095>a <00:53:09.182>real <00:53:09.270>pleasure <00:53:09.357>to <00:53:09.445>have <00:53:09.532>been <00:53:09.620>able <00:53:09.707>to <00:53:09.795>turn <00:53:09.882>a <00:53:09.970>personal <00:53:10.057>passion <00:53:10.145>into <00:53:10.232>a <00:53:10.320>career.

00:53:12.760 --> 00:53:16.360
<00:53:12.760>And <00:53:12.847>of <00:53:12.935>course, <00:53:13.022>I <00:53:13.110>don't <00:53:13.197>code <00:53:13.285>that <00:53:13.372>often <00:53:13.460>in <00:53:13.547>my <00:53:13.635>day <00:53:13.722>to <00:53:13.810>day <00:53:13.897>work, <00:53:13.985>but <00:53:14.072>I <00:53:14.160>love

00:53:17.045 --> 00:53:21.045
<00:53:17.045>doing <00:53:17.161>my <00:53:17.278>work <00:53:17.395>to <00:53:17.511>enable <00:53:17.628>many, <00:53:17.745>many <00:53:17.861>other <00:53:17.978>people <00:53:18.095>to <00:53:18.211>have <00:53:18.328>that <00:53:18.445>experience.

00:53:21.765 --> 00:53:22.325
Yeah,

00:53:22.805 --> 00:53:23.205
that

00:53:24.725 --> 00:53:26.645
<00:53:24.725>resonates <00:53:25.191>totally. <00:53:25.658>And <00:53:26.125>I

00:53:27.205 --> 00:53:31.605
<00:53:27.205>also <00:53:27.360>think <00:53:27.516>that's <00:53:27.671>why <00:53:27.827>I <00:53:27.982>do <00:53:28.138>design <00:53:28.293>and <00:53:28.449>code <00:53:28.605>and

00:53:32.440 --> 00:53:35.240
<00:53:32.440>really <00:53:32.615>resonates <00:53:32.790>to <00:53:32.965>me <00:53:33.140>as <00:53:33.315>well. <00:53:33.490>So <00:53:33.665>I <00:53:33.840>think

00:53:35.800 --> 00:53:39.400
<00:53:35.800>that's <00:53:35.975>a <00:53:36.150>great <00:53:36.325>note <00:53:36.500>to <00:53:36.675>wrap <00:53:36.850>it <00:53:37.025>up. <00:53:37.200>And

00:53:39.720 --> 00:53:42.600
<00:53:39.720>David, <00:53:39.919>thank <00:53:40.120>you <00:53:40.319>so <00:53:40.520>much <00:53:40.720>for <00:53:40.919>your <00:53:41.120>time

00:53:43.000 --> 00:53:43.960
<00:53:43.000>and <00:53:43.864>for

00:53:44.520 --> 00:53:50.255
<00:53:44.520>sharing <00:53:44.613>all <00:53:44.706>the <00:53:44.800>hard <00:53:44.893>earned <00:53:44.986>wisdom <00:53:45.080>with <00:53:45.173>us <00:53:45.266>today. <00:53:45.360>It's <00:53:45.453>really <00:53:45.546>a <00:53:45.640>pleasure <00:53:45.733>to <00:53:45.826>talk <00:53:45.920>with

00:53:50.255 --> 00:53:50.735
you,

00:53:51.375 --> 00:53:51.775
and

00:53:52.335 --> 00:53:54.015
<00:53:52.335>I <00:53:52.615>hope <00:53:52.895>to <00:53:53.175>see <00:53:53.455>you <00:53:53.735>again

00:53:54.575 --> 00:53:56.255
<00:53:54.575>soon <00:53:55.274>in <00:53:55.975>another

00:53:56.495 --> 00:54:00.095
<00:53:56.495>round. <00:53:56.650>Likewise. <00:53:56.806>Maybe <00:53:56.961>in <00:53:57.117>Berlin <00:53:57.272>next <00:53:57.428>year, <00:53:57.583>if <00:53:57.739>not <00:53:57.895>before.

00:54:00.255 --> 00:54:04.724
<00:54:00.255>If <00:54:00.362>not <00:54:00.470>before, <00:54:00.578>right. <00:54:00.685>Thanks, <00:54:00.793>David. <00:54:00.901>Thank <00:54:01.008>you. <00:54:01.116>Thank <00:54:01.224>you. <00:54:01.331>Have <00:54:01.439>a <00:54:01.547>good <00:54:01.655>day.