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<00:00:59.065>Uh, <00:00:59.239>Thomas, <00:00:59.415>uh, <00:00:59.589>pinger <00:00:59.765>is, <00:00:59.940>uh, <00:01:00.114>uh, <00:01:00.290>the <00:01:00.464>CPO

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<00:02:00.755>when <00:02:00.910>the <00:02:01.066>company <00:02:01.221>gets <00:02:01.377>bigger, <00:02:01.532>uh, <00:02:01.688>what <00:02:01.843>are <00:02:01.999>the <00:02:02.155>burdens

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<00:02:04.085>and <00:02:04.318>how, <00:02:04.551>how <00:02:04.785>can <00:02:05.018>you <00:02:05.251>overcome <00:02:05.485>them?

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<00:02:06.145>And, <00:02:06.425>um, <00:02:06.705>I'm <00:02:06.985>sure <00:02:07.265>that <00:02:07.545>we,

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<00:02:08.125>we <00:02:08.300>will <00:02:08.475>hear <00:02:08.650>some <00:02:08.824>very <00:02:09.000>interesting <00:02:09.175>thoughts <00:02:09.350>on <00:02:09.525>that.

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<00:02:11.745>So, <00:02:11.978>but <00:02:12.211>let's <00:02:12.445>start <00:02:12.678>at <00:02:12.911>the <00:02:13.145>beginning.

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<00:02:14.105>Um, <00:02:14.385>so <00:02:14.665>when <00:02:14.945>Stripe <00:02:15.225>started, <00:02:15.505>um,

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<00:02:18.395>they <00:02:18.550>offered <00:02:18.706>like <00:02:18.861>a <00:02:19.017>way <00:02:19.172>to <00:02:19.328>move <00:02:19.483>money <00:02:19.639>with <00:02:19.795>code.

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<00:02:21.515>That <00:02:21.714>was <00:02:21.915>basically <00:02:22.114>the, <00:02:22.315>the, <00:02:22.515>the, <00:02:22.714>in <00:02:22.915>2010,

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<00:02:28.155>tech <00:02:28.505>savvy <00:02:28.855>businesses, <00:02:29.205>technical <00:02:29.555>founders

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<00:02:36.765>the <00:02:37.101>beginning <00:02:37.436>for <00:02:37.773>Stripe?

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<00:02:37.905>And <00:02:38.105>how <00:02:38.305>important <00:02:38.505>was <00:02:38.705>it <00:02:38.905>for <00:02:39.105>the <00:02:39.305>trajectory

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<00:02:40.945>of <00:02:41.225>Strike <00:02:41.505>Star <00:02:41.785>Stripe? <00:02:42.065>I'm <00:02:42.345>sorry.

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<00:02:43.675>Yeah, <00:02:43.815>well, <00:02:43.955>first <00:02:44.095>of <00:02:44.235>all, <00:02:44.375>thank <00:02:44.515>you <00:02:44.655>for <00:02:44.795>the <00:02:44.935>warm <00:02:45.075>welcome.

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<00:02:45.435>It's <00:02:45.586>great <00:02:45.738>to <00:02:45.889>be <00:02:46.041>back <00:02:46.192>in <00:02:46.344>Berlin.

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<00:02:47.105>Um, <00:02:47.260>and <00:02:47.416>yes, <00:02:47.571>at <00:02:47.727>Stripe, <00:02:47.882>we <00:02:48.038>really <00:02:48.193>are <00:02:48.349>a <00:02:48.505>company

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<00:02:50.505>of <00:02:50.704>developers <00:02:50.905>who <00:02:51.105>got <00:02:51.305>started <00:02:51.505>building <00:02:51.704>four <00:02:51.905>developers

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<00:02:53.565>and <00:02:53.907>building <00:02:54.249>four <00:02:54.591>developers <00:02:54.933>remain

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<00:02:55.085>super <00:02:55.373>important <00:02:55.661>to <00:02:55.949>us <00:02:56.237>today.

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<00:02:56.865>So <00:02:57.020>when <00:02:57.176>we <00:02:57.331>started <00:02:57.487>the <00:02:57.642>company, <00:02:57.798>um, <00:02:57.953>our <00:02:58.109>co-founders, <00:02:58.265>John

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<00:02:59.965>and <00:03:00.140>Patrick, <00:03:00.315>they <00:03:00.490>actually <00:03:00.665>had <00:03:00.840>a <00:03:01.015>previous <00:03:01.190>internet <00:03:01.365>business.

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<00:03:02.185>And, <00:03:02.418>um, <00:03:02.651>when <00:03:02.885>they <00:03:03.118>sold <00:03:03.351>that <00:03:03.585>company,

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<00:03:04.365>they <00:03:04.565>were <00:03:04.765>reflecting <00:03:04.965>on <00:03:05.165>what <00:03:05.365>was, <00:03:05.565>you <00:03:05.765>know,

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<00:03:08.425>Um, <00:03:08.658>and <00:03:08.891>when <00:03:09.125>they <00:03:09.358>started <00:03:09.591>the <00:03:09.825>company,

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<00:03:10.045>they <00:03:10.244>were <00:03:10.445>actually <00:03:10.644>expecting <00:03:10.845>it <00:03:11.045>would <00:03:11.244>be <00:03:11.445>hard

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<00:03:11.745>to <00:03:11.900>build <00:03:12.056>physical <00:03:12.211>hardware <00:03:12.367>and <00:03:12.522>deploy <00:03:12.678>it <00:03:12.833>in <00:03:12.989>data <00:03:13.145>centers,

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<00:03:14.025>but <00:03:14.180>they <00:03:14.336>were <00:03:14.491>able <00:03:14.647>to <00:03:14.802>use <00:03:14.958>a <00:03:15.113>service <00:03:15.269>like <00:03:15.425>AWS.

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<00:03:16.005>So <00:03:16.160>that <00:03:16.316>wasn't <00:03:16.471>actually <00:03:16.627>the <00:03:16.782>biggest <00:03:16.938>challenge <00:03:17.093>they <00:03:17.249>ran <00:03:17.405>into.

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<00:03:18.265>The <00:03:18.498>biggest <00:03:18.731>challenge <00:03:18.964>was <00:03:19.198>actually <00:03:19.431>getting <00:03:19.665>started

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<00:03:21.425>Um, <00:03:21.596>they <00:03:21.767>find <00:03:21.938>there <00:03:22.109>was <00:03:22.280>a <00:03:22.451>ton

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<00:03:22.565>of <00:03:22.745>paperwork <00:03:22.924>that <00:03:23.105>had <00:03:23.285>to <00:03:23.464>be <00:03:23.644>done.

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<00:03:24.115>They <00:03:24.351>actually <00:03:24.587>had <00:03:24.823>to <00:03:25.060>go

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<00:03:25.165>and, <00:03:25.304>uh, <00:03:25.445>you <00:03:25.584>know, <00:03:25.725>learn <00:03:25.864>about <00:03:26.005>a <00:03:26.144>bunch <00:03:26.285>of <00:03:26.424>arcane <00:03:26.565>rules,

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<00:03:28.785>and <00:03:29.016>they <00:03:29.247>had <00:03:29.477>to <00:03:29.709>develop <00:03:29.940>a <00:03:30.171>relationship

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<00:03:30.325>with <00:03:30.511>a <00:03:30.697>person <00:03:30.882>at <00:03:31.069>a <00:03:31.255>bank <00:03:31.441>in

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<00:03:31.565>order <00:03:31.721>to <00:03:31.877>get <00:03:32.033>access <00:03:32.189>to <00:03:32.345>the <00:03:32.500>system.

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<00:03:32.905>And <00:03:33.043>they <00:03:33.181>just <00:03:33.319>thought, <00:03:33.457>there's <00:03:33.595>gotta <00:03:33.733>be <00:03:33.871>a <00:03:34.009>better <00:03:34.147>way.

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<00:03:34.505>Um, <00:03:34.632>we <00:03:34.759>really <00:03:34.886>wanted <00:03:35.014>to <00:03:35.141>create, <00:03:35.268>uh, <00:03:35.395>a, <00:03:35.523>a <00:03:35.650>mechanism <00:03:35.777>for <00:03:35.905>folks

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<00:03:39.385>who <00:03:39.739>were <00:03:40.093>starting <00:03:40.447>companies

80
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<00:03:40.625>or <00:03:40.800>scaling <00:03:40.975>companies <00:03:41.150>to <00:03:41.325>get <00:03:41.500>started <00:03:41.675>moving <00:03:41.850>money, <00:03:42.025>um,

81
00:03:43.865 --> 00:03:45.925
<00:03:43.865>as <00:03:44.065>easily <00:03:44.265>as <00:03:44.465>data <00:03:44.665>moves <00:03:44.865>on <00:03:45.065>the <00:03:45.265>internet.

82
00:03:46.025 --> 00:03:49.405
<00:03:46.025>So <00:03:46.180>Stripe <00:03:46.336>really <00:03:46.491>started <00:03:46.647>as <00:03:46.802>the <00:03:46.958>idea <00:03:47.113>of <00:03:47.269>instant <00:03:47.425>onboarding.

83
00:03:49.425 --> 00:03:52.765
<00:03:49.425>So <00:03:49.541>you <00:03:49.658>can <00:03:49.775>sign <00:03:49.891>up, <00:03:50.008>you <00:03:50.125>can <00:03:50.241>integrate <00:03:50.358>with <00:03:50.475>an <00:03:50.591>API <00:03:50.708>that <00:03:50.825>is

84
00:03:53.395 --> 00:03:55.085
<00:03:53.395>well <00:03:54.095>designed, <00:03:54.795>crafted,

85
00:03:55.085 --> 00:03:56.605
<00:03:55.085>and <00:03:55.769>well-documented <00:03:56.453>so

86
00:03:56.605 --> 00:03:58.525
<00:03:56.605>that <00:03:56.760>you <00:03:56.916>can <00:03:57.071>actually <00:03:57.227>start <00:03:57.382>moving <00:03:57.538>money <00:03:57.693>in <00:03:57.849>the <00:03:58.005>world's

87
00:03:58.525 --> 00:04:00.285
<00:03:58.525>financial <00:03:58.805>systems <00:03:59.085>on <00:03:59.365>the <00:03:59.645>same <00:03:59.925>day.

88
00:04:00.705 --> 00:04:02.285
<00:04:00.705>Um, <00:04:00.985>and <00:04:01.265>that <00:04:01.545>at <00:04:01.825>the <00:04:02.105>time,

89
00:04:02.505 --> 00:04:04.285
<00:04:02.505>so <00:04:02.704>we're <00:04:02.905>going <00:04:03.105>back <00:04:03.305>about <00:04:03.505>a <00:04:03.704>decade, <00:04:03.905>was,

90
00:04:04.425 --> 00:04:06.045
<00:04:04.425>was <00:04:04.891>genuinely <00:04:05.358>quite <00:04:05.825>groundbreaking.

91
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<00:04:06.665>Um, <00:04:06.945>and <00:04:07.225>we <00:04:07.505>found <00:04:07.785>a <00:04:08.065>lot

92
00:04:08.325 --> 00:04:10.645
<00:04:08.325>of <00:04:08.500>very <00:04:08.674>early <00:04:08.850>product <00:04:09.024>market <00:04:09.200>fit <00:04:09.375>in <00:04:09.549>our <00:04:09.725>core,

93
00:04:10.645 --> 00:04:11.805
<00:04:10.645>which <00:04:10.853>is <00:04:11.062>early <00:04:11.271>stage <00:04:11.480>and <00:04:11.689>growth

94
00:04:12.045 --> 00:04:13.205
<00:04:12.045>businesses <00:04:12.305>starting <00:04:12.567>in <00:04:12.828>the <00:04:13.089>us.

95
00:04:13.905 --> 00:04:17.035
<00:04:13.905>Then <00:04:14.045>fast <00:04:14.185>forward <00:04:14.325>to <00:04:14.465>today, <00:04:14.605>we've <00:04:14.745>really <00:04:14.885>scaled <00:04:15.025>that <00:04:15.165>out <00:04:15.305>to,

96
00:04:17.215 --> 00:04:20.275
<00:04:17.214>um, <00:04:17.414>serving <00:04:17.614>very <00:04:17.815>small <00:04:18.015>businesses, <00:04:18.214>just <00:04:18.414>getting <00:04:18.614>started

97
00:04:20.275 --> 00:04:22.515
<00:04:20.274>through <00:04:20.741>to <00:04:21.208>huge <00:04:21.674>companies

98
00:04:22.515 --> 00:04:23.835
<00:04:22.515>and <00:04:23.109>enterprises <00:04:23.703>globally,

99
00:04:24.025 --> 00:04:26.115
<00:04:24.025>including <00:04:24.304>companies <00:04:24.585>like <00:04:24.864>Amazon, <00:04:25.145>for <00:04:25.424>instance.

100
00:04:26.495 --> 00:04:28.715
<00:04:26.495>Um, <00:04:26.635>but <00:04:26.775>we <00:04:26.915>still <00:04:27.055>find <00:04:27.195>that <00:04:27.335>focusing <00:04:27.475>on <00:04:27.615>a <00:04:27.755>great <00:04:27.895>developer

101
00:04:28.715 --> 00:04:30.075
<00:04:28.715>experience <00:04:29.123>really <00:04:29.531>matters, <00:04:29.938>um,

102
00:04:30.345 --> 00:04:35.045
<00:04:30.345>because <00:04:30.520>all <00:04:30.695>of <00:04:30.870>us <00:04:31.045>know <00:04:31.220>we've <00:04:31.395>got <00:04:31.570>so <00:04:31.745>much

103
00:04:35.045 --> 00:04:38.285
<00:04:35.045>to <00:04:35.185>do <00:04:35.325>when <00:04:35.465>we <00:04:35.605>are <00:04:35.745>building <00:04:35.885>new, <00:04:36.025>uh, <00:04:36.165>products <00:04:36.305>and <00:04:36.445>businesses.

104
00:04:38.545 --> 00:04:41.845
<00:04:38.545>And <00:04:38.685>so <00:04:38.825>we <00:04:38.965>want <00:04:39.105>to <00:04:39.245>provide <00:04:39.385>a <00:04:39.525>lot <00:04:39.665>of <00:04:39.805>leverage <00:04:39.945>so

105
00:04:41.845 --> 00:04:44.885
<00:04:41.845>that <00:04:42.020>you <00:04:42.195>don't <00:04:42.370>have <00:04:42.545>to <00:04:42.720>understand <00:04:42.895>the <00:04:43.070>vast <00:04:43.245>complexities

106
00:04:44.985 --> 00:04:46.205
<00:04:44.985>of <00:04:45.259>the <00:04:45.534>world's <00:04:45.808>financial <00:04:46.082>system

107
00:04:46.205 --> 00:04:47.725
<00:04:46.205>and <00:04:46.376>can <00:04:46.546>actually <00:04:46.718>just <00:04:46.889>focus <00:04:47.060>on <00:04:47.231>building <00:04:47.402>the <00:04:47.573>thing

108
00:04:47.725 --> 00:04:50.005
<00:04:47.725>that <00:04:47.900>is <00:04:48.075>unique <00:04:48.250>to <00:04:48.425>your <00:04:48.600>company <00:04:48.775>or <00:04:48.950>your <00:04:49.125>product.

109
00:04:50.595 --> 00:04:55.205
<00:04:50.595>Yeah, <00:04:50.735>yeah. <00:04:50.875>I <00:04:51.015>mean, <00:04:51.155>I, <00:04:51.295>I <00:04:51.435>personally <00:04:51.575>remember <00:04:51.715>it <00:04:51.855>in <00:04:51.995>2006,

110
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<00:04:55.325>I <00:04:55.613>launched <00:04:55.901>a <00:04:56.189>SaaS <00:04:56.477>product

111
00:04:56.825 --> 00:05:00.445
<00:04:56.825>and, <00:04:56.965>um, <00:04:57.104>we <00:04:57.245>didn't <00:04:57.385>have <00:04:57.525>payment <00:04:57.664>in, <00:04:57.805>in <00:04:57.945>place <00:04:58.085>at <00:04:58.224>all,

112
00:05:00.905 --> 00:05:01.925
<00:05:00.905>but <00:05:01.134>we <00:05:01.364>wanted <00:05:01.593>to <00:05:01.823>launch

113
00:05:02.025 --> 00:05:04.885
<00:05:02.025>and <00:05:02.152>we <00:05:02.279>thought <00:05:02.406>like, <00:05:02.534>okay, <00:05:02.661>we <00:05:02.788>have <00:05:02.915>a <00:05:03.043>30 <00:05:03.170>days <00:05:03.297>free <00:05:03.424>trial,

114
00:05:04.905 --> 00:05:08.165
<00:05:04.905>we <00:05:05.044>will <00:05:05.184>figure <00:05:05.325>out <00:05:05.465>payment <00:05:05.604>in <00:05:05.744>this <00:05:05.885>30 <00:05:06.025>days, <00:05:06.164>which <00:05:06.304>was

115
00:05:08.965 --> 00:05:10.285
<00:05:08.965>absolutely <00:05:10.153>ambitious.

116
00:05:10.545 --> 00:05:14.125
<00:05:10.545>So, <00:05:10.700>uh, <00:05:10.856>turns <00:05:11.011>out <00:05:11.167>that <00:05:11.322>we <00:05:11.478>had <00:05:11.633>the <00:05:11.789>trial <00:05:11.945>extended

117
00:05:14.545 --> 00:05:16.245
<00:05:14.545>to <00:05:14.778>90 <00:05:15.011>days <00:05:15.245>or <00:05:15.478>something <00:05:15.711>like <00:05:15.945>that.

118
00:05:16.865 --> 00:05:18.045
<00:05:16.865>So <00:05:17.077>it <00:05:17.289>was <00:05:17.502>really <00:05:17.714>a <00:05:17.927>pain.

119
00:05:18.065 --> 00:05:20.965
<00:05:18.065>And <00:05:18.344>long <00:05:18.625>story <00:05:18.905>short, <00:05:19.185>in <00:05:19.465>2013

120
00:05:20.985 --> 00:05:24.445
<00:05:20.985>or <00:05:21.125>14 <00:05:21.265>when <00:05:21.405>Stripe <00:05:21.545>launched <00:05:21.685>in <00:05:21.825>Austria <00:05:21.965>as <00:05:22.105>well, <00:05:22.245>we, <00:05:22.385>we,

121
00:05:24.505 --> 00:05:26.485
<00:05:24.505>we <00:05:24.738>switched <00:05:24.971>and <00:05:25.205>we <00:05:25.438>were <00:05:25.671>happy, <00:05:25.905>happy

122
00:05:26.485 --> 00:05:28.205
<00:05:26.485>to <00:05:26.835>have <00:05:27.185>Stripe <00:05:27.535>there, <00:05:27.885>so

123
00:05:28.475 --> 00:05:29.475
<00:05:28.475>Glad <00:05:28.775>to <00:05:29.075>hear <00:05:29.375>it.

124
00:05:30.585 --> 00:05:32.805
<00:05:30.585>So, <00:05:31.051>and <00:05:31.518>if <00:05:31.984>we

125
00:05:33.355 --> 00:05:36.925
<00:05:33.355>look <00:05:33.510>at <00:05:33.666>today <00:05:33.821>now <00:05:33.977>you <00:05:34.132>have <00:05:34.288>like <00:05:34.443>five <00:05:34.599>hubs, <00:05:34.755>uh,

126
00:05:36.955 --> 00:05:39.565
<00:05:36.955>from <00:05:37.305>San <00:05:37.655>Francisco <00:05:38.005>to <00:05:38.354>Singapore,

127
00:05:40.025 --> 00:05:42.445
<00:05:40.025>and <00:05:40.200>you <00:05:40.375>have <00:05:40.549>also <00:05:40.724>a <00:05:40.900>virtual <00:05:41.075>hub <00:05:41.250>recently <00:05:41.424>launched.

128
00:05:42.465 --> 00:05:47.325
<00:05:42.465>Mm-Hmm. <00:05:42.640>Um, <00:05:42.815>how <00:05:42.990>did <00:05:43.165>the, <00:05:43.340>the <00:05:43.515>culture <00:05:43.690>change, <00:05:43.865>uh,

129
00:05:47.625 --> 00:05:49.245
<00:05:47.625>during <00:05:48.091>this <00:05:48.558>engineering <00:05:49.025>scale?

130
00:05:50.105 --> 00:05:52.555
<00:05:50.105>Yeah, <00:05:50.280>great <00:05:50.455>question. <00:05:50.630>So <00:05:50.805>we <00:05:50.980>are <00:05:51.155>a <00:05:51.330>global <00:05:51.505>company.

131
00:05:52.555 --> 00:05:53.795
<00:05:52.555>We're <00:05:52.927>actually <00:05:53.299>dual <00:05:53.671>headquartered

132
00:05:53.795 --> 00:05:55.595
<00:05:53.795>between <00:05:54.075>San <00:05:54.355>Francisco <00:05:54.635>and <00:05:54.915>Dublin <00:05:55.195>Ireland.

133
00:05:55.975 --> 00:06:00.125
<00:05:55.975>Um, <00:05:56.208>and <00:05:56.441>what <00:05:56.675>changed <00:05:56.908>over <00:05:57.141>the <00:05:57.375>years,

134
00:06:00.605 --> 00:06:02.125
<00:06:00.605>I <00:06:00.800>think <00:06:00.995>is, <00:06:01.191>uh, <00:06:01.386>a <00:06:01.582>couple <00:06:01.777>of <00:06:01.973>things.

135
00:06:02.345 --> 00:06:04.245
<00:06:02.345>Number <00:06:02.625>one, <00:06:02.905>we <00:06:03.185>have <00:06:03.465>multiple <00:06:03.745>products.

136
00:06:04.245 --> 00:06:07.205
<00:06:04.245>So <00:06:04.385>today <00:06:04.525>it's <00:06:04.665>not <00:06:04.805>just <00:06:04.945>about <00:06:05.085>helping <00:06:05.225>you <00:06:05.365>bring <00:06:05.505>money <00:06:05.645>into

137
00:06:07.205 --> 00:06:08.405
<00:06:07.205>your <00:06:07.385>business, <00:06:07.565>although <00:06:07.745>we <00:06:07.924>still <00:06:08.104>do <00:06:08.284>that

138
00:06:08.405 --> 00:06:09.445
<00:06:08.405>and <00:06:08.538>we <00:06:08.672>want <00:06:08.806>to <00:06:08.939>do <00:06:09.073>it <00:06:09.207>very <00:06:09.341>well.

139
00:06:09.785 --> 00:06:12.725
<00:06:09.785>Um, <00:06:09.960>but <00:06:10.135>we <00:06:10.310>also <00:06:10.485>make <00:06:10.660>it <00:06:10.835>possible <00:06:11.010>for <00:06:11.185>businesses

140
00:06:12.725 --> 00:06:13.885
<00:06:12.725>and <00:06:13.073>platforms <00:06:13.421>in <00:06:13.769>particular

141
00:06:13.905 --> 00:06:16.845
<00:06:13.905>to <00:06:14.104>actually <00:06:14.304>embed <00:06:14.505>financial <00:06:14.705>services <00:06:14.905>in <00:06:15.104>their <00:06:15.304>products.

142
00:06:16.985 --> 00:06:19.205
<00:06:16.985>Um, <00:06:17.185>so <00:06:17.385>that <00:06:17.585>includes <00:06:17.785>things <00:06:17.985>like <00:06:18.185>Stripe <00:06:18.385>issuing,

143
00:06:19.205 --> 00:06:20.805
<00:06:19.205>which <00:06:19.438>is <00:06:19.671>our <00:06:19.905>API <00:06:20.138>for <00:06:20.371>issuing <00:06:20.604>physical

144
00:06:20.805 --> 00:06:21.845
<00:06:20.805>and <00:06:21.117>virtual <00:06:21.429>credit <00:06:21.741>cards.

145
00:06:22.225 --> 00:06:23.685
<00:06:22.225>Um, <00:06:22.444>it <00:06:22.663>includes <00:06:22.882>things <00:06:23.101>like <00:06:23.320>Stripe <00:06:23.539>Capital,

146
00:06:23.685 --> 00:06:24.845
<00:06:23.685>which <00:06:23.946>is <00:06:24.207>our <00:06:24.468>lending <00:06:24.729>product.

147
00:06:25.385 --> 00:06:28.965
<00:06:25.385>Um, <00:06:25.501>and <00:06:25.618>then <00:06:25.735>we <00:06:25.851>also <00:06:25.968>have <00:06:26.085>a <00:06:26.201>range <00:06:26.318>of <00:06:26.435>products <00:06:26.551>that <00:06:26.668>are, <00:06:26.784>uh,

148
00:06:29.285 --> 00:06:30.445
<00:06:29.285>designed <00:06:29.459>to <00:06:29.633>help <00:06:29.807>you <00:06:29.981>automate <00:06:30.155>the <00:06:30.329>back

149
00:06:30.445 --> 00:06:31.645
<00:06:30.445>office <00:06:30.661>as <00:06:30.877>you <00:06:31.092>scale <00:06:31.308>your <00:06:31.525>company.

150
00:06:32.305 --> 00:06:35.005
<00:06:32.305>The <00:06:32.460>way <00:06:32.616>that <00:06:32.771>we've <00:06:32.927>ended <00:06:33.082>up <00:06:33.238>deciding <00:06:33.393>to <00:06:33.549>do <00:06:33.705>all

151
00:06:35.005 --> 00:06:36.125
<00:06:35.005>of <00:06:35.341>those <00:06:35.677>things <00:06:36.013>is,

152
00:06:36.185 --> 00:06:38.525
<00:06:36.185>and <00:06:36.340>this <00:06:36.496>is <00:06:36.651>our <00:06:36.807>general <00:06:36.962>product <00:06:37.118>development <00:06:37.273>loop <00:06:37.429>at <00:06:37.585>Stripe,

153
00:06:38.525 --> 00:06:41.205
<00:06:38.525>is <00:06:38.664>that <00:06:38.804>we <00:06:38.945>pay <00:06:39.085>a <00:06:39.224>lot <00:06:39.364>of <00:06:39.505>attention <00:06:39.645>to <00:06:39.784>our <00:06:39.924>users,

154
00:06:41.465 --> 00:06:43.485
<00:06:41.465>the <00:06:41.745>businesses <00:06:42.025>building <00:06:42.305>on <00:06:42.585>Stripe, <00:06:42.865>um,

155
00:06:43.585 --> 00:06:45.165
<00:06:43.585>and <00:06:43.740>we <00:06:43.896>work <00:06:44.051>hard <00:06:44.207>to <00:06:44.362>talk <00:06:44.518>to <00:06:44.673>them <00:06:44.829>a <00:06:44.984>lot.

156
00:06:45.505 --> 00:06:49.145
<00:06:45.505>Um, <00:06:45.632>and <00:06:45.759>when <00:06:45.886>we <00:06:46.014>see <00:06:46.141>we <00:06:46.268>really <00:06:46.395>want <00:06:46.523>a <00:06:46.650>lot <00:06:46.777>of <00:06:46.905>feedback.

157
00:06:49.285 --> 00:06:51.945
<00:06:49.284>So <00:06:49.440>we'll <00:06:49.596>obsess <00:06:49.751>about <00:06:49.907>that <00:06:50.062>feedback <00:06:50.218>to <00:06:50.373>make <00:06:50.529>the <00:06:50.684>products

158
00:06:51.945 --> 00:06:53.385
<00:06:51.945>that <00:06:52.204>we're <00:06:52.463>already <00:06:52.722>working <00:06:52.981>on <00:06:53.241>better.

159
00:06:53.725 --> 00:06:56.905
<00:06:53.725>But <00:06:53.865>also <00:06:54.005>when <00:06:54.145>we <00:06:54.285>see <00:06:54.425>themes <00:06:54.565>of <00:06:54.705>profound <00:06:54.845>need <00:06:54.985>across <00:06:55.125>multiple

160
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<00:06:56.905>of <00:06:57.032>our <00:06:57.159>users, <00:06:57.286>we <00:06:57.414>see <00:06:57.541>that <00:06:57.668>as <00:06:57.795>our <00:06:57.923>invitation <00:06:58.050>to <00:06:58.177>come <00:06:58.304>in

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<00:07:17.955>that <00:07:18.110>we <00:07:18.266>preserve <00:07:18.421>the <00:07:18.577>ways <00:07:18.732>of <00:07:18.888>working <00:07:19.043>that <00:07:19.199>were <00:07:19.354>valuable

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<00:07:20.835>to <00:07:21.036>us <00:07:21.238>in <00:07:21.439>the <00:07:21.641>early <00:07:21.842>days,

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<00:07:31.415>with <00:07:31.615>developers <00:07:31.815>who <00:07:32.015>are <00:07:32.215>integrating <00:07:32.415>the <00:07:32.615>Stripe <00:07:32.815>API

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<00:07:42.905>you <00:07:43.138>know, <00:07:43.371>our <00:07:43.604>our <00:07:43.838>need <00:07:44.071>to <00:07:44.304>go

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<00:07:47.805>That's <00:07:47.980>where <00:07:48.155>some <00:07:48.330>features <00:07:48.505>that <00:07:48.680>you <00:07:48.855>may <00:07:49.030>be <00:07:49.205>familiar

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<00:07:50.225>with <00:07:50.425>if <00:07:50.625>you <00:07:50.825>view <00:07:51.025>the <00:07:51.225>Stripe <00:07:51.425>API <00:07:51.625>we're

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<00:07:53.085>So, <00:07:53.212>um, <00:07:53.339>one <00:07:53.466>of <00:07:53.594>the <00:07:53.721>things <00:07:53.848>that <00:07:53.975>you'll <00:07:54.103>find <00:07:54.230>if <00:07:54.357>you <00:07:54.484>integrate

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<00:07:56.385>with <00:07:56.618>the <00:07:56.851>Stripe <00:07:57.085>API <00:07:57.318>is <00:07:57.551>you <00:07:57.784>might

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<00:08:06.025>and <00:08:06.180>often <00:08:06.336>link <00:08:06.491>to <00:08:06.647>the <00:08:06.802>right <00:08:06.958>page <00:08:07.113>in <00:08:07.269>the <00:08:07.424>documentation.

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<00:08:17.465>next <00:08:17.698>to, <00:08:17.931>um, <00:08:18.164>these <00:08:18.398>early <00:08:18.631>users <00:08:18.864>that

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197
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<00:08:20.965>So <00:08:21.130>then <00:08:21.294>the <00:08:21.460>point <00:08:21.625>is, <00:08:21.789>at <00:08:21.955>scale,

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<00:08:22.485>how <00:08:22.644>do <00:08:22.803>we <00:08:22.962>continue <00:08:23.121>to <00:08:23.280>do <00:08:23.439>that?

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<00:08:23.545>We <00:08:23.778>need <00:08:24.011>to <00:08:24.245>continue <00:08:24.478>to <00:08:24.711>bring <00:08:24.945>users

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<00:08:26.455>tightly <00:08:26.630>into <00:08:26.805>the <00:08:26.979>development <00:08:27.155>process, <00:08:27.330>um, <00:08:27.505>with <00:08:27.680>each <00:08:27.854>team.

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<00:08:30.005>Um, <00:08:30.145>and <00:08:30.284>the <00:08:30.425>way <00:08:30.565>that <00:08:30.705>we <00:08:30.844>have <00:08:30.985>done <00:08:31.125>that, <00:08:31.265>um, <00:08:31.405>is

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<00:08:34.674>to <00:08:34.802>really <00:08:34.929>focus <00:08:35.056>on <00:08:35.184>having, <00:08:35.311>um, <00:08:35.438>a <00:08:35.565>set <00:08:35.693>of <00:08:35.820>many <00:08:35.947>small <00:08:36.074>teams

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<00:08:39.784>that <00:08:39.892>can <00:08:40.000>be <00:08:40.108>as <00:08:40.215>small <00:08:40.323>as <00:08:40.431>they <00:08:40.538>can <00:08:40.646>with <00:08:40.754>a <00:08:40.861>kind <00:08:40.969>of <00:08:41.077>clear <00:08:41.184>focus

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<00:08:42.385>that <00:08:42.559>can <00:08:42.735>then <00:08:42.909>go <00:08:43.085>deep <00:08:43.260>with <00:08:43.434>the <00:08:43.610>right <00:08:43.784>users.

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<00:08:45.415>Um, <00:08:45.570>and <00:08:45.726>maybe <00:08:45.881>we <00:08:46.037>can <00:08:46.192>talk <00:08:46.348>more <00:08:46.503>about, <00:08:46.659>about <00:08:46.814>exactly

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<00:08:48.135>how <00:08:48.454>we <00:08:48.774>do <00:08:49.093>that, <00:08:49.413>uh,

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<00:08:49.615>but <00:08:49.770>we <00:08:49.926>find <00:08:50.081>that <00:08:50.237>that's <00:08:50.392>something <00:08:50.548>to <00:08:50.703>pay <00:08:50.859>a <00:08:51.015>lot

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<00:08:51.555>of <00:08:51.799>attention <00:08:52.044>to <00:08:52.289>as <00:08:52.534>we've <00:08:52.779>scaled.

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<00:08:53.255>Um, <00:08:53.382>another <00:08:53.509>area <00:08:53.636>that <00:08:53.764>I <00:08:53.891>spent <00:08:54.018>a <00:08:54.145>lot <00:08:54.273>of <00:08:54.400>time <00:08:54.527>thinking <00:08:54.655>about

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<00:08:56.645>and <00:08:56.800>certainly <00:08:56.956>became <00:08:57.111>very <00:08:57.267>important <00:08:57.422>as <00:08:57.578>we, <00:08:57.733>uh, <00:08:57.889>grew <00:08:58.045>and,

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<00:09:00.265>and <00:09:00.392>we <00:09:00.519>know <00:09:00.646>I <00:09:00.774>serve <00:09:00.901>millions <00:09:01.028>of <00:09:01.155>users <00:09:01.283>around <00:09:01.410>the <00:09:01.537>world, <00:09:01.665>um,

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<00:09:03.305>is <00:09:03.500>to <00:09:03.694>recognize <00:09:03.890>that <00:09:04.085>what <00:09:04.280>we <00:09:04.475>do

213
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<00:09:04.605>for <00:09:04.885>businesses, <00:09:05.165>it <00:09:05.445>really, <00:09:05.725>really <00:09:06.005>matters.

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<00:09:06.545>So <00:09:06.778>we <00:09:07.011>are <00:09:07.245>moving <00:09:07.478>money <00:09:07.711>into <00:09:07.944>businesses.

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<00:09:08.865>We <00:09:09.040>are <00:09:09.215>accounting <00:09:09.390>for, <00:09:09.565>uh, <00:09:09.740>where <00:09:09.915>it <00:09:10.090>all <00:09:10.265>is,

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<00:09:11.165>and <00:09:11.320>then <00:09:11.476>we're <00:09:11.631>helping <00:09:11.787>them, <00:09:11.942>you <00:09:12.098>know, <00:09:12.253>pay <00:09:12.409>their <00:09:12.564>suppliers

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<00:09:13.105>and, <00:09:13.385>and <00:09:13.665>actually <00:09:13.945>operate <00:09:14.225>their <00:09:14.505>businesses.

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<00:09:15.145>So <00:09:15.378>Stripe <00:09:15.611>has <00:09:15.845>to <00:09:16.078>be <00:09:16.311>extremely <00:09:16.545>available.

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<00:09:17.825>Um, <00:09:18.175>uh, <00:09:18.525>and <00:09:18.875>we <00:09:19.225>target

220
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<00:09:20.345>and <00:09:20.578>deliver <00:09:20.811>above <00:09:21.045>five <00:09:21.278>nines <00:09:21.511>of <00:09:21.745>availability,

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<00:09:22.495>which <00:09:22.670>is <00:09:22.845>26 <00:09:23.020>seconds <00:09:23.195>of <00:09:23.370>on <00:09:23.545>time <00:09:23.720>a <00:09:23.895>month.

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<00:09:25.385>Um, <00:09:25.597>it's <00:09:25.809>a <00:09:26.022>pretty <00:09:26.234>high <00:09:26.447>bar.

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<00:09:27.065>Um, <00:09:27.265>in <00:09:27.465>the <00:09:27.665>early <00:09:27.865>days <00:09:28.065>we <00:09:28.265>did <00:09:28.465>that

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<00:09:29.705>by <00:09:29.905>really <00:09:30.105>moving <00:09:30.305>very <00:09:30.505>quickly <00:09:30.705>when <00:09:30.905>things <00:09:31.105>broke.

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<00:09:32.465>So <00:09:32.620>we <00:09:32.776>were <00:09:32.931>very <00:09:33.087>good <00:09:33.242>at <00:09:33.398>kind <00:09:33.553>of <00:09:33.709>incident <00:09:33.865>response.

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<00:09:34.985>Um, <00:09:35.140>but <00:09:35.296>today <00:09:35.451>we <00:09:35.607>find <00:09:35.762>that <00:09:35.918>in <00:09:36.073>order <00:09:36.229>to <00:09:36.385>operate

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<00:09:38.925>multiple <00:09:39.125>products <00:09:39.324>at <00:09:39.525>scale <00:09:39.724>with <00:09:39.925>thousands <00:09:40.125>of <00:09:40.324>engineers

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<00:09:41.165>inside <00:09:41.365>the <00:09:41.564>company, <00:09:41.765>it <00:09:41.964>really <00:09:42.165>requires <00:09:42.365>a <00:09:42.564>culture

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<00:09:43.425>of <00:09:44.010>operational <00:09:44.595>excellence.

230
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<00:09:45.185>Um, <00:09:45.301>and <00:09:45.418>what <00:09:45.535>that <00:09:45.651>means <00:09:45.768>to <00:09:45.885>me <00:09:46.001>is <00:09:46.118>not <00:09:46.234>just <00:09:46.351>being <00:09:46.468>good <00:09:46.584>at

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<00:09:47.565>fixing <00:09:47.740>things <00:09:47.915>when <00:09:48.090>they <00:09:48.265>break, <00:09:48.440>although <00:09:48.615>that <00:09:48.790>is <00:09:48.965>important,

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<00:09:49.665>but <00:09:49.839>also <00:09:50.015>actually <00:09:50.189>designing <00:09:50.365>our <00:09:50.540>systems <00:09:50.714>so <00:09:50.890>that <00:09:51.064>any

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<00:09:54.465>two, <00:09:54.699>two <00:09:54.933>parts <00:09:55.167>are <00:09:55.401>important <00:09:55.635>here.

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<00:09:55.945>One <00:09:56.072>is <00:09:56.199>that <00:09:56.326>as <00:09:56.454>changes <00:09:56.581>go <00:09:56.708>to <00:09:56.835>production, <00:09:56.963>um, <00:09:57.090>we <00:09:57.217>want <00:09:57.345>them

235
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<00:09:59.805>to <00:09:59.944>roll <00:10:00.084>out <00:10:00.224>gradually <00:10:00.364>so <00:10:00.505>that <00:10:00.645>if <00:10:00.785>there <00:10:00.925>is <00:10:01.064>a <00:10:01.204>problem,

236
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<00:10:03.095>it'll <00:10:03.328>be <00:10:03.561>detected <00:10:03.795>at <00:10:04.028>very <00:10:04.261>small <00:10:04.495>scale

237
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<00:10:04.685>before <00:10:04.812>it <00:10:04.939>impacts, <00:10:05.066>um, <00:10:05.194>a <00:10:05.321>lot <00:10:05.448>of <00:10:05.575>requests, <00:10:05.703>a <00:10:05.830>lot <00:10:05.957>of <00:10:06.084>users.

238
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<00:10:08.305>Um, <00:10:08.655>so <00:10:09.005>careful <00:10:09.354>change <00:10:09.704>management.

239
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<00:10:10.945>Um, <00:10:11.072>and <00:10:11.199>then <00:10:11.326>the <00:10:11.454>other <00:10:11.581>part <00:10:11.708>is <00:10:11.835>we <00:10:11.963>actually <00:10:12.090>just <00:10:12.217>really <00:10:12.345>need

240
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<00:10:14.125>to <00:10:14.386>be <00:10:14.646>a <00:10:14.908>learning <00:10:15.169>organization.

241
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<00:10:15.425>So <00:10:15.580>anytime <00:10:15.736>something <00:10:15.891>does <00:10:16.047>go <00:10:16.202>wrong, <00:10:16.358>we <00:10:16.513>pay <00:10:16.669>a <00:10:16.824>lot

242
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<00:10:17.845>of <00:10:18.045>attention <00:10:18.245>to <00:10:18.445>not <00:10:18.645>only <00:10:18.845>fixing <00:10:19.045>that <00:10:19.245>issue,

243
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<00:10:21.545>but <00:10:21.757>the <00:10:21.971>kind <00:10:22.184>of <00:10:22.397>class <00:10:22.610>of <00:10:22.823>issues

244
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<00:10:22.965>that <00:10:23.157>would <00:10:23.349>would've <00:10:23.541>led <00:10:23.733>to <00:10:23.925>that <00:10:24.117>problem.

245
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<00:10:24.665>And, <00:10:24.820>and <00:10:24.976>that <00:10:25.131>concept <00:10:25.287>of <00:10:25.442>being <00:10:25.598>a <00:10:25.753>learning <00:10:25.909>organization <00:10:26.064>is,

246
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<00:10:27.585>is <00:10:27.922>really <00:10:28.260>important <00:10:28.597>and <00:10:28.935>something

247
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<00:10:29.085>that <00:10:29.322>we've <00:10:29.560>focused <00:10:29.797>a <00:10:30.035>lot <00:10:30.273>in

248
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<00:10:30.405>scaling <00:10:30.765>and <00:10:31.125>operational <00:10:31.485>excellence.

249
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<00:10:31.605>Mm-Hmm. <00:10:31.745>So <00:10:31.885>this <00:10:32.025>is <00:10:32.165>a <00:10:32.305>flavor <00:10:32.445>of <00:10:32.585>the <00:10:32.725>things <00:10:32.865>that <00:10:33.005>Yeah.

250
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<00:10:33.885>Yeah. <00:10:34.165>That's, <00:10:34.444>that's, <00:10:34.725>that's <00:10:35.005>super <00:10:35.285>interesting.

251
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<00:10:35.845>I, <00:10:35.972>I <00:10:36.099>think <00:10:36.226>I <00:10:36.354>want <00:10:36.481>to <00:10:36.608>go <00:10:36.735>a <00:10:36.863>little <00:10:36.990>bit <00:10:37.117>deeper <00:10:37.245>here

252
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<00:10:37.885>because, <00:10:38.085>um, <00:10:38.285>if <00:10:38.485>you <00:10:38.685>grow <00:10:38.885>the <00:10:39.085>copay <00:10:39.285>growth

253
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<00:10:42.845>and, <00:10:43.078>um, <00:10:43.311>there <00:10:43.545>is <00:10:43.778>always <00:10:44.011>this, <00:10:44.245>um,

254
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<00:10:47.235>momentum <00:10:47.435>like, <00:10:47.635>uh, <00:10:47.835>refactoring <00:10:48.035>versus <00:10:48.235>new <00:10:48.435>features, <00:10:48.635>um,

255
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<00:10:52.055>how <00:10:52.210>to <00:10:52.366>avoid <00:10:52.521>to <00:10:52.677>slow <00:10:52.832>down <00:10:52.988>when <00:10:53.143>you <00:10:53.299>become <00:10:53.454>bigger.

256
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<00:10:54.935>And, <00:10:55.135>but <00:10:55.334>how <00:10:55.535>does, <00:10:55.734>how <00:10:55.935>does <00:10:56.135>this <00:10:56.334>work?

257
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<00:10:57.425>Like, <00:10:57.625>how <00:10:57.824>do <00:10:58.025>you <00:10:58.224>like <00:10:58.425>mitigate <00:10:58.625>technical <00:10:58.824>depth

258
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<00:11:01.715>and <00:11:01.915>also <00:11:02.115>like <00:11:02.315>you <00:11:02.515>have <00:11:02.715>a <00:11:02.915>high <00:11:03.115>availability

259
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<00:11:04.605>because <00:11:05.071>it's <00:11:05.538>business <00:11:06.005>and,

260
00:11:07.035 --> 00:11:09.255
<00:11:07.035>but <00:11:07.235>you <00:11:07.435>deploy <00:11:07.635>to <00:11:07.834>the <00:11:08.035>API <00:11:08.235>like, <00:11:08.435>uh,

261
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<00:11:09.675>10 <00:11:09.908>times <00:11:10.141>a <00:11:10.375>day <00:11:10.608>to <00:11:10.841>the <00:11:11.074>production.

262
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<00:11:11.995>So <00:11:12.275>how, <00:11:12.555>how <00:11:12.835>does <00:11:13.115>this <00:11:13.395>work?

263
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<00:11:14.475>Can <00:11:14.675>you <00:11:14.875>elaborate <00:11:15.075>a <00:11:15.275>little <00:11:15.475>bit <00:11:15.675>about <00:11:15.875>this?

264
00:11:16.565 --> 00:11:20.735
<00:11:16.565>Yeah, <00:11:16.720>absolutely. <00:11:16.876>So <00:11:17.031>it <00:11:17.187>is <00:11:17.342>important <00:11:17.498>to <00:11:17.653>us <00:11:17.809>at <00:11:17.965>Stripe,

265
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<00:11:20.735>and <00:11:20.930>I <00:11:21.125>think <00:11:21.321>this <00:11:21.516>may <00:11:21.712>resonate <00:11:21.907>for <00:11:22.103>many

266
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<00:11:22.255>of <00:11:22.456>you <00:11:22.658>in <00:11:22.859>your <00:11:23.061>own <00:11:23.263>businesses.

267
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<00:11:23.375>It <00:11:23.530>is <00:11:23.686>important <00:11:23.841>that <00:11:23.997>we <00:11:24.152>move <00:11:24.308>fast <00:11:24.463>for <00:11:24.619>our <00:11:24.775>users.

268
00:11:25.815 --> 00:11:27.655
<00:11:25.815>Actually, <00:11:25.970>you <00:11:26.126>know, <00:11:26.281>there's <00:11:26.437>a <00:11:26.592>lot <00:11:26.748>of <00:11:26.903>complexity <00:11:27.059>in <00:11:27.215>the

269
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<00:11:27.655>world's <00:11:27.855>financial <00:11:28.055>systems, <00:11:28.255>and <00:11:28.454>we <00:11:28.655>see <00:11:28.855>our <00:11:29.055>mission

270
00:11:30.015 --> 00:11:33.375
<00:11:30.015>as <00:11:30.155>abstracting <00:11:30.295>over <00:11:30.435>that <00:11:30.574>so <00:11:30.715>that <00:11:30.855>you <00:11:30.995>have <00:11:31.135>a <00:11:31.275>simple <00:11:31.415>interface

271
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<00:11:33.375>that's <00:11:33.550>very <00:11:33.725>powerful, <00:11:33.900>both <00:11:34.075>when <00:11:34.250>you're <00:11:34.425>a <00:11:34.600>small <00:11:34.775>company

272
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<00:11:35.875>and <00:11:36.069>also <00:11:36.265>when <00:11:36.460>you're <00:11:36.655>a <00:11:36.849>large <00:11:37.045>enterprise.

273
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<00:11:37.175>There's <00:11:37.454>a <00:11:37.734>lot <00:11:38.015>of <00:11:38.295>complexity, <00:11:38.574>um,

274
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<00:11:39.075>but <00:11:39.330>it <00:11:39.586>also <00:11:39.841>changes <00:11:40.097>quite <00:11:40.353>rapidly.

275
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<00:11:40.835>Um, <00:11:40.962>in <00:11:41.089>any <00:11:41.216>given <00:11:41.344>month, <00:11:41.471>there <00:11:41.598>is <00:11:41.725>some <00:11:41.853>piece <00:11:41.980>of, <00:11:42.107>you <00:11:42.235>know,

276
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<00:11:44.215>financial <00:11:45.259>legislation

277
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<00:11:45.375>or <00:11:45.608>regulation <00:11:45.841>that's <00:11:46.075>changing <00:11:46.308>around <00:11:46.541>the <00:11:46.775>world,

278
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<00:11:46.995>and <00:11:47.122>we <00:11:47.249>want <00:11:47.376>to <00:11:47.504>be <00:11:47.631>able <00:11:47.758>to <00:11:47.885>abstract <00:11:48.013>that <00:11:48.140>all <00:11:48.267>away, <00:11:48.395>um,

279
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<00:11:49.175>from <00:11:49.302>our <00:11:49.429>users <00:11:49.556>so <00:11:49.684>that <00:11:49.811>they <00:11:49.938>can <00:11:50.065>focus <00:11:50.193>on <00:11:50.320>what <00:11:50.447>they <00:11:50.574>need

280
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<00:11:51.095>to <00:11:51.235>do <00:11:51.375>best, <00:11:51.515>um, <00:11:51.655>which <00:11:51.795>means <00:11:51.935>we <00:11:52.075>need <00:11:52.215>to <00:11:52.355>be <00:11:52.495>able

281
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<00:11:53.585>to <00:11:53.808>move <00:11:54.031>quickly <00:11:54.254>for <00:11:54.477>our <00:11:54.701>users.

282
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<00:11:55.405>Um, <00:11:55.545>and <00:11:55.685>that <00:11:55.824>means <00:11:55.964>being <00:11:56.105>able <00:11:56.245>to <00:11:56.385>go <00:11:56.525>from <00:11:56.665>an <00:11:56.805>idea

283
00:11:58.405 --> 00:12:00.985
<00:11:58.405>or <00:11:58.532>a <00:11:58.659>problem, <00:11:58.786>uh, <00:11:58.914>getting <00:11:59.041>a <00:11:59.168>solution <00:11:59.295>in <00:11:59.423>front <00:11:59.550>of <00:11:59.677>a <00:11:59.805>user

284
00:12:00.985 --> 00:12:02.865
<00:12:00.985>and <00:12:01.218>deploying <00:12:01.451>it <00:12:01.685>to <00:12:01.918>production <00:12:02.151>very <00:12:02.385>rapidly.

285
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<00:12:03.205>So <00:12:03.380>we <00:12:03.555>continuously <00:12:03.730>ship <00:12:03.905>code <00:12:04.080>to <00:12:04.255>production, <00:12:04.430>um, <00:12:04.605>anytime

286
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<00:12:07.255>that <00:12:07.410>we, <00:12:07.566>we <00:12:07.721>focus <00:12:07.877>a <00:12:08.032>lot <00:12:08.188>on <00:12:08.343>very <00:12:08.499>rigorous <00:12:08.655>testing.

287
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<00:12:10.605>Um, <00:12:10.805>and <00:12:11.005>once <00:12:11.205>our <00:12:11.405>automated <00:12:11.605>tests <00:12:11.805>are <00:12:12.005>passing,

288
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<00:12:13.105>then <00:12:13.280>we <00:12:13.455>do <00:12:13.630>go <00:12:13.805>into <00:12:13.980>this <00:12:14.155>gradual <00:12:14.330>deployment <00:12:14.505>mode.

289
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<00:12:15.085>So <00:12:15.318>any <00:12:15.551>engineer <00:12:15.785>at <00:12:16.018>Stripe <00:12:16.251>can <00:12:16.485>expect

290
00:12:16.945 --> 00:12:19.265
<00:12:16.945>that <00:12:17.072>when <00:12:17.199>they <00:12:17.326>complete <00:12:17.454>a <00:12:17.581>piece <00:12:17.708>of <00:12:17.835>work, <00:12:17.963>a <00:12:18.090>pull <00:12:18.217>request <00:12:18.345>is,

291
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<00:12:19.265>is <00:12:19.439>merged <00:12:19.615>into <00:12:19.790>the <00:12:19.965>system, <00:12:20.140>it's <00:12:20.314>actually <00:12:20.490>gonna <00:12:20.665>be

292
00:12:20.985 --> 00:12:23.105
<00:12:20.985>automatically <00:12:21.265>deployed <00:12:21.545>to <00:12:21.825>production <00:12:22.105>very <00:12:22.385>rapidly.

293
00:12:23.685 --> 00:12:25.905
<00:12:23.685>So <00:12:23.859>in <00:12:24.035>order <00:12:24.209>to <00:12:24.385>have <00:12:24.560>that <00:12:24.734>work <00:12:24.910>well, <00:12:25.084>um,

294
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<00:12:26.045>we <00:12:26.181>need <00:12:26.317>to <00:12:26.453>do <00:12:26.590>a <00:12:26.726>couple <00:12:26.862>of <00:12:26.999>things.

295
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<00:12:28.395>First, <00:12:28.595>we <00:12:28.795>need <00:12:28.995>to <00:12:29.194>think <00:12:29.395>a <00:12:29.595>lot <00:12:29.795>about

296
00:12:30.585 --> 00:12:32.065
<00:12:30.585>what <00:12:30.807>at <00:12:31.029>Stripe <00:12:31.251>we've <00:12:31.473>come <00:12:31.695>to <00:12:31.917>describe

297
00:12:32.085 --> 00:12:33.505
<00:12:32.085>as <00:12:32.724>sensible <00:12:33.363>architecture.

298
00:12:33.885 --> 00:12:35.025
<00:12:33.885>Um, <00:12:34.090>so <00:12:34.295>this <00:12:34.500>is <00:12:34.705>the <00:12:34.911>idea

299
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<00:12:35.025>that <00:12:35.165>we <00:12:35.305>have <00:12:35.444>the <00:12:35.584>right <00:12:35.725>designs <00:12:35.865>internally <00:12:36.005>to <00:12:36.145>allow <00:12:36.285>a <00:12:36.425>number

300
00:12:39.505 --> 00:12:42.145
<00:12:39.505>of <00:12:39.680>small <00:12:39.855>teams <00:12:40.030>across <00:12:40.205>the <00:12:40.380>company <00:12:40.555>to <00:12:40.730>move <00:12:40.905>rapidly

301
00:12:42.785 --> 00:12:46.105
<00:12:42.785>independently, <00:12:42.959>but <00:12:43.135>evolve <00:12:43.310>the <00:12:43.485>whole <00:12:43.660>product <00:12:43.834>surface <00:12:44.010>area <00:12:44.185>in

302
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<00:12:46.225>tandem <00:12:46.458>so <00:12:46.691>that <00:12:46.925>it <00:12:47.158>works <00:12:47.391>together <00:12:47.625>well.

303
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<00:12:48.595>Um, <00:12:48.770>and <00:12:48.945>I <00:12:49.120>mean, <00:12:49.295>if <00:12:49.470>you <00:12:49.645>think <00:12:49.820>about <00:12:49.995>Stripe,

304
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<00:12:52.395>we <00:12:52.845>have <00:12:53.295>multiple <00:12:53.745>products,

305
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<00:12:53.995>but <00:12:54.135>it <00:12:54.275>is <00:12:54.415>really <00:12:54.555>important <00:12:54.695>that <00:12:54.835>if <00:12:54.975>you, <00:12:55.115>for <00:12:55.255>instance, <00:12:55.395>are,

306
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<00:12:57.515>um, <00:12:57.715>using <00:12:57.915>our <00:12:58.115>in-person, <00:12:58.314>uh, <00:12:58.515>payments <00:12:58.715>product <00:12:58.915>terminal

307
00:13:00.795 --> 00:13:03.695
<00:13:00.795>and <00:13:00.950>our <00:13:01.106>online <00:13:01.261>payments <00:13:01.417>product, <00:13:01.572>that <00:13:01.728>the, <00:13:01.883>the, <00:13:02.039>the <00:13:02.194>concept

308
00:13:03.715 --> 00:13:04.935
<00:13:03.715>of <00:13:03.934>a <00:13:04.154>transaction <00:13:04.373>is <00:13:04.593>the <00:13:04.813>same.

309
00:13:04.935 --> 00:13:06.615
<00:13:04.935>You <00:13:05.074>want <00:13:05.214>that <00:13:05.354>to <00:13:05.494>kind <00:13:05.635>of <00:13:05.775>then <00:13:05.915>flow <00:13:06.055>through <00:13:06.194>to <00:13:06.334>all

310
00:13:06.615 --> 00:13:09.335
<00:13:06.615>of <00:13:06.770>the <00:13:06.926>financial <00:13:07.081>automation <00:13:07.237>suite <00:13:07.392>in <00:13:07.548>exactly <00:13:07.703>the <00:13:07.859>same <00:13:08.015>way.

311
00:13:09.555 --> 00:13:12.935
<00:13:09.555>So <00:13:09.682>it's <00:13:09.809>very <00:13:09.936>important <00:13:10.064>for <00:13:10.191>us <00:13:10.318>to <00:13:10.445>get <00:13:10.573>the, <00:13:10.700>the, <00:13:10.827>the <00:13:10.954>kind

312
00:13:12.935 --> 00:13:16.375
<00:13:12.935>of <00:13:13.090>foundations <00:13:13.246>of <00:13:13.401>our, <00:13:13.557>uh, <00:13:13.712>of <00:13:13.868>our <00:13:14.023>technical <00:13:14.179>design, <00:13:14.334>right?

313
00:13:16.875 --> 00:13:18.775
<00:13:16.875>And <00:13:17.015>I <00:13:17.155>mean, <00:13:17.295>if <00:13:17.435>you <00:13:17.575>look <00:13:17.715>more <00:13:17.855>broadly <00:13:17.995>in <00:13:18.135>the <00:13:18.275>financial

314
00:13:18.775 --> 00:13:21.405
<00:13:18.775>ecosystem, <00:13:19.241>sometimes <00:13:19.708>you'll <00:13:20.175>find

315
00:13:21.405 --> 00:13:24.325
<00:13:21.405>that <00:13:21.579>there <00:13:21.755>are <00:13:21.930>incumbent <00:13:22.105>players <00:13:22.280>out <00:13:22.454>there, <00:13:22.630>like <00:13:22.805>banks,

316
00:13:24.385 --> 00:13:27.365
<00:13:24.385>for <00:13:24.560>instance, <00:13:24.735>um, <00:13:24.910>who <00:13:25.085>had <00:13:25.260>systems <00:13:25.435>that <00:13:25.610>were <00:13:25.785>designed

317
00:13:27.505 --> 00:13:31.165
<00:13:27.505>and <00:13:27.705>implemented <00:13:27.905>in <00:13:28.105>COBOL <00:13:28.305>in <00:13:28.505>the <00:13:28.705>1970s, <00:13:28.905>um,

318
00:13:31.185 --> 00:13:33.525
<00:13:31.185>and <00:13:31.464>really <00:13:31.744>designed <00:13:32.025>kind <00:13:32.305>of <00:13:32.584>specifically

319
00:13:33.525 --> 00:13:34.885
<00:13:33.525>to <00:13:33.933>retail <00:13:34.341>branch <00:13:34.749>banking.

320
00:13:35.265 --> 00:13:37.565
<00:13:35.265>And <00:13:35.439>they <00:13:35.615>found <00:13:35.790>it <00:13:35.965>very <00:13:36.140>difficult <00:13:36.314>to <00:13:36.490>evolve, <00:13:36.665>um,

321
00:13:37.835 --> 00:13:39.085
<00:13:37.835>into <00:13:38.210>the <00:13:38.585>internet <00:13:38.960>age.

322
00:13:39.345 --> 00:13:42.005
<00:13:39.345>Uh, <00:13:39.485>in <00:13:39.625>fact, <00:13:39.765>recently <00:13:39.905>I <00:13:40.045>was <00:13:40.185>reading <00:13:40.325>an <00:13:40.465>article <00:13:40.605>about, <00:13:40.745>uh,

323
00:13:42.005 --> 00:13:45.335
<00:13:42.005>bank <00:13:42.145>in <00:13:42.285>the <00:13:42.425>UK <00:13:42.564>where <00:13:42.705>all <00:13:42.845>of <00:13:42.985>their <00:13:43.125>cash <00:13:43.265>machines, <00:13:43.405>all

324
00:13:45.335 --> 00:13:47.295
<00:13:45.335>of <00:13:45.510>their <00:13:45.685>ATMs <00:13:45.860>were <00:13:46.035>offline <00:13:46.210>for <00:13:46.385>an <00:13:46.560>entire <00:13:46.735>weekend

325
00:13:47.295 --> 00:13:48.495
<00:13:47.295>because <00:13:47.564>something <00:13:47.835>had <00:13:48.105>gone <00:13:48.375>wrong

326
00:13:48.495 --> 00:13:50.535
<00:13:48.495>with <00:13:48.622>this <00:13:48.749>old <00:13:48.876>Cobalt <00:13:49.004>system, <00:13:49.131>and <00:13:49.258>they <00:13:49.385>had <00:13:49.513>to <00:13:49.640>get <00:13:49.767>someone <00:13:49.895>out

327
00:13:50.535 --> 00:13:51.855
<00:13:50.535>of <00:13:50.772>a <00:13:51.010>nursing <00:13:51.247>home, <00:13:51.485>you <00:13:51.723>know,

328
00:13:51.855 --> 00:13:54.055
<00:13:51.855>an <00:13:52.010>old <00:13:52.166>people's <00:13:52.321>care <00:13:52.477>home <00:13:52.632>in <00:13:52.788>order <00:13:52.943>to <00:13:53.099>fix <00:13:53.255>it

329
00:13:54.055 --> 00:13:55.415
<00:13:54.055>because <00:13:54.208>they're <00:13:54.361>the <00:13:54.514>only <00:13:54.666>person <00:13:54.819>that <00:13:54.973>had <00:13:55.126>the <00:13:55.279>knowledge.

330
00:13:55.415 --> 00:13:56.815
<00:13:55.415>So <00:13:55.595>that's <00:13:55.775>a <00:13:55.955>kind <00:13:56.135>of <00:13:56.315>an <00:13:56.495>example <00:13:56.675>of

331
00:13:56.815 --> 00:13:58.775
<00:13:56.815>how <00:13:56.990>if <00:13:57.165>you <00:13:57.340>don't <00:13:57.515>get <00:13:57.690>the <00:13:57.865>architecture <00:13:58.040>right, <00:13:58.215>um,

332
00:13:58.805 --> 00:14:00.215
<00:13:58.805>it's <00:13:59.058>difficult <00:13:59.312>to <00:13:59.566>evolve <00:13:59.820>your <00:14:00.074>products.

333
00:14:00.675 --> 00:14:01.935
<00:14:00.675>So <00:14:00.863>we <00:14:01.053>focus <00:14:01.242>a <00:14:01.430>lot <00:14:01.619>on <00:14:01.809>understanding

334
00:14:01.935 --> 00:14:03.175
<00:14:01.935>what <00:14:02.214>are <00:14:02.492>these <00:14:02.771>core <00:14:03.050>principles.

335
00:14:03.175 --> 00:14:06.375
<00:14:03.175>So <00:14:03.314>things <00:14:03.454>like <00:14:03.594>an <00:14:03.734>account, <00:14:03.875>the, <00:14:04.015>the <00:14:04.155>notion <00:14:04.295>of <00:14:04.435>a <00:14:04.574>transaction,

336
00:14:06.835 --> 00:14:07.895
<00:14:06.835>um, <00:14:07.789>and,

337
00:14:08.075 --> 00:14:10.815
<00:14:08.075>and <00:14:08.308>then <00:14:08.541>making <00:14:08.775>sure <00:14:09.008>that <00:14:09.241>we <00:14:09.475>understand

338
00:14:10.815 --> 00:14:13.175
<00:14:10.815>that <00:14:11.165>those <00:14:11.515>primitives <00:14:11.865>are <00:14:12.215>going

339
00:14:13.175 --> 00:14:15.575
<00:14:13.175>to <00:14:13.375>be <00:14:13.574>embedded <00:14:13.775>into <00:14:13.974>our <00:14:14.175>users <00:14:14.375>code <00:14:14.574>bases.

340
00:14:15.575 --> 00:14:17.255
<00:14:15.575>You're <00:14:15.775>going <00:14:15.975>to <00:14:16.175>integrate <00:14:16.375>with <00:14:16.575>our <00:14:16.775>APIs <00:14:16.975>and,

341
00:14:17.255 --> 00:14:19.295
<00:14:17.255>and <00:14:17.430>care <00:14:17.605>about <00:14:17.780>those <00:14:17.955>for <00:14:18.130>a <00:14:18.305>very <00:14:18.480>long <00:14:18.655>time.

342
00:14:19.395 --> 00:14:21.175
<00:14:19.395>So <00:14:19.569>we <00:14:19.745>care <00:14:19.920>a <00:14:20.095>lot <00:14:20.270>about <00:14:20.444>getting <00:14:20.620>those <00:14:20.795>right.

343
00:14:21.635 --> 00:14:23.455
<00:14:21.635>And <00:14:21.775>then <00:14:21.915>there <00:14:22.055>are <00:14:22.194>other <00:14:22.335>parts <00:14:22.475>of <00:14:22.615>the <00:14:22.755>product, <00:14:22.895>you <00:14:23.035>know,

344
00:14:23.455 --> 00:14:25.695
<00:14:23.455>perhaps <00:14:23.688>the <00:14:23.921>UI <00:14:24.155>and <00:14:24.388>the <00:14:24.621>dashboard, <00:14:24.855>um,

345
00:14:26.145 --> 00:14:27.775
<00:14:26.145>where <00:14:26.345>we <00:14:26.545>can <00:14:26.745>actually <00:14:26.944>move <00:14:27.145>much <00:14:27.345>more <00:14:27.545>quickly.

346
00:14:27.915 --> 00:14:30.815
<00:14:27.915>So <00:14:28.089>thinking <00:14:28.265>carefully <00:14:28.439>about <00:14:28.615>those <00:14:28.790>pace <00:14:28.964>layers <00:14:29.140>in <00:14:29.314>our

347
00:14:30.815 --> 00:14:33.575
<00:14:30.815>infrastructure <00:14:31.048>and <00:14:31.281>getting <00:14:31.515>the <00:14:31.748>sensible <00:14:31.981>architecture <00:14:32.215>right,

348
00:14:33.635 --> 00:14:35.975
<00:14:33.635>has <00:14:33.775>been, <00:14:33.915>um, <00:14:34.055>an <00:14:34.194>important <00:14:34.335>way <00:14:34.475>that <00:14:34.615>we, <00:14:34.755>we <00:14:34.895>deliver <00:14:35.035>what,

349
00:14:35.975 --> 00:14:37.055
<00:14:35.975>what <00:14:36.299>you're <00:14:36.622>describing <00:14:36.947>Mm-Hmm,

350
00:14:38.315 --> 00:14:39.315
<00:14:38.315>Okay. <00:14:39.215>And

351
00:14:39.315 --> 00:14:43.045
<00:14:39.315>for <00:14:39.470>like, <00:14:39.626>at <00:14:39.781>this <00:14:39.937>scale, <00:14:40.092>you <00:14:40.248>still <00:14:40.403>have <00:14:40.559>small <00:14:40.715>teams,

352
00:14:43.155 --> 00:14:46.405
<00:14:43.155>like <00:14:43.310>they're <00:14:43.466>working, <00:14:43.621>uh, <00:14:43.777>and <00:14:43.932>can <00:14:44.088>deploy <00:14:44.243>stuff <00:14:44.399>and, <00:14:44.555>and,

353
00:14:46.425 --> 00:14:47.845
<00:14:46.425>and, <00:14:46.744>uh, <00:14:47.064>can <00:14:47.383>move <00:14:47.703>faster.

354
00:14:48.545 --> 00:14:51.365
<00:14:48.545>Um, <00:14:48.745>what <00:14:48.944>are, <00:14:49.145>what <00:14:49.344>are <00:14:49.545>the <00:14:49.745>roles <00:14:49.944>here?

355
00:14:51.395 --> 00:14:56.005
<00:14:51.395>Like, <00:14:51.535>um, <00:14:51.675>because <00:14:51.814>it <00:14:51.954>feels <00:14:52.095>like <00:14:52.235>it's <00:14:52.375>not <00:14:52.515>just <00:14:52.655>a <00:14:52.795>developer

356
00:14:56.005 --> 00:14:57.125
<00:14:56.005>who <00:14:56.257>is <00:14:56.509>like <00:14:56.761>writing <00:14:57.013>code,

357
00:14:57.225 --> 00:14:58.885
<00:14:57.225>but <00:14:57.425>they're <00:14:57.625>responsible <00:14:57.825>for <00:14:58.025>a <00:14:58.225>lot <00:14:58.425>of <00:14:58.625>things.

358
00:14:58.885 --> 00:15:00.565
<00:14:58.885>They <00:14:59.118>also <00:14:59.351>have <00:14:59.585>to <00:14:59.818>talk <00:15:00.051>to <00:15:00.285>users

359
00:15:00.745 --> 00:15:02.205
<00:15:00.745>or <00:15:01.073>to <00:15:01.402>understand <00:15:01.730>the <00:15:02.059>problems.

360
00:15:02.425 --> 00:15:03.765
<00:15:02.425>How <00:15:02.597>do <00:15:02.769>you, <00:15:02.941>how <00:15:03.114>do <00:15:03.286>you <00:15:03.458>solve <00:15:03.631>that?

361
00:15:05.045 --> 00:15:08.435
<00:15:05.045>Yeah, <00:15:05.219>it's <00:15:05.395>a <00:15:05.569>great <00:15:05.745>question. <00:15:05.920>At <00:15:06.094>Stripe, <00:15:06.270>we <00:15:06.444>have

362
00:15:09.525 --> 00:15:11.865
<00:15:09.525>fairly <00:15:09.991>conventional <00:15:10.458>looking <00:15:10.925>engineering,

363
00:15:11.865 --> 00:15:13.025
<00:15:11.865>product <00:15:12.387>development <00:15:12.909>teams

364
00:15:13.095 --> 00:15:14.625
<00:15:13.095>that <00:15:13.291>you <00:15:13.488>all <00:15:13.685>might <00:15:13.881>be <00:15:14.078>quite <00:15:14.275>familiar <00:15:14.472>with.

365
00:15:14.685 --> 00:15:16.745
<00:15:14.685>So <00:15:14.918>there's, <00:15:15.151>there's <00:15:15.385>almost <00:15:15.618>always <00:15:15.851>a <00:15:16.084>combination

366
00:15:16.745 --> 00:15:18.385
<00:15:16.745>of <00:15:17.211>engineers, <00:15:17.678>product <00:15:18.145>managers

367
00:15:18.385 --> 00:15:21.585
<00:15:18.385>and <00:15:18.540>designers <00:15:18.696>that <00:15:18.851>are <00:15:19.007>working, <00:15:19.162>um, <00:15:19.318>together <00:15:19.473>for <00:15:19.629>a <00:15:19.785>lot

368
00:15:21.585 --> 00:15:23.225
<00:15:21.585>of <00:15:21.785>the <00:15:21.985>products <00:15:22.185>that, <00:15:22.385>that <00:15:22.585>you're <00:15:22.785>all <00:15:22.985>experiencing.

369
00:15:23.845 --> 00:15:26.025
<00:15:23.845>Um, <00:15:24.078>but <00:15:24.311>we <00:15:24.545>actually <00:15:24.778>really <00:15:25.011>strongly <00:15:25.245>believe

370
00:15:26.025 --> 00:15:29.425
<00:15:26.025>that <00:15:26.180>everyone <00:15:26.336>across <00:15:26.491>that <00:15:26.647>team <00:15:26.802>should <00:15:26.958>have <00:15:27.113>a <00:15:27.269>very <00:15:27.425>strong

371
00:15:29.475 --> 00:15:31.265
<00:15:29.475>sense <00:15:29.755>of <00:15:30.035>what <00:15:30.315>our <00:15:30.595>users <00:15:30.875>need.

372
00:15:31.605 --> 00:15:32.665
<00:15:31.605>Um, <00:15:31.795>and <00:15:31.986>so <00:15:32.177>at <00:15:32.368>some <00:15:32.559>point,

373
00:15:32.665 --> 00:15:34.865
<00:15:32.665>pretty <00:15:32.805>much <00:15:32.944>everyone <00:15:33.084>on <00:15:33.224>the <00:15:33.365>team <00:15:33.505>should <00:15:33.645>have <00:15:33.785>talked <00:15:33.925>to <00:15:34.064>some

374
00:15:34.865 --> 00:15:36.185
<00:15:34.865>of <00:15:35.261>our <00:15:35.656>users, <00:15:36.053>um,

375
00:15:36.525 --> 00:15:38.985
<00:15:36.525>who <00:15:36.725>are <00:15:36.925>experiencing <00:15:37.125>the <00:15:37.324>problem <00:15:37.525>they're <00:15:37.725>solving <00:15:37.925>for.

376
00:15:39.245 --> 00:15:41.265
<00:15:39.245>So <00:15:39.478>that <00:15:39.711>includes <00:15:39.945>engineers <00:15:40.178>and <00:15:40.411>engineering <00:15:40.645>managers.

377
00:15:41.415 --> 00:15:42.665
<00:15:41.415>They <00:15:41.602>need <00:15:41.790>to <00:15:41.977>be <00:15:42.165>able <00:15:42.352>to <00:15:42.540>talk

378
00:15:42.665 --> 00:15:44.185
<00:15:42.665>to <00:15:42.892>users, <00:15:43.121>uh, <00:15:43.348>quite <00:15:43.577>often <00:15:43.805>as <00:15:44.032>well.

379
00:15:44.845 --> 00:15:49.625
<00:15:44.845>Um, <00:15:44.985>and <00:15:45.125>we <00:15:45.265>find <00:15:45.405>that <00:15:45.545>bringing <00:15:45.685>that <00:15:45.825>kind <00:15:45.965>of <00:15:46.105>visceral <00:15:46.245>sense,

380
00:15:49.655 --> 00:15:51.105
<00:15:49.655>that <00:15:50.090>human <00:15:50.525>understanding <00:15:50.960>of

381
00:15:51.105 --> 00:15:53.145
<00:15:51.105>what <00:15:51.305>is <00:15:51.505>the <00:15:51.705>problem <00:15:51.905>I'm <00:15:52.105>actually <00:15:52.305>solving <00:15:52.505>here

382
00:15:53.735 --> 00:15:56.785
<00:15:53.735>into <00:15:53.910>the <00:15:54.085>daily <00:15:54.260>conversation <00:15:54.435>that <00:15:54.610>everyone <00:15:54.785>is <00:15:54.960>having <00:15:55.135>means

383
00:15:56.785 --> 00:15:58.825
<00:15:56.785>that <00:15:56.959>the <00:15:57.135>thousands <00:15:57.310>of <00:15:57.485>decisions <00:15:57.660>that <00:15:57.834>we <00:15:58.010>all <00:15:58.185>make

384
00:15:58.825 --> 00:16:01.145
<00:15:58.825>as <00:15:59.025>engineers <00:15:59.225>as <00:15:59.425>we <00:15:59.625>go <00:15:59.825>about <00:16:00.025>building <00:16:00.225>staff,

385
00:16:01.405 --> 00:16:03.105
<00:16:01.405>are <00:16:01.560>much <00:16:01.716>more <00:16:01.871>likely <00:16:02.027>to <00:16:02.182>kind <00:16:02.338>of <00:16:02.493>get <00:16:02.649>made <00:16:02.805>right.

386
00:16:03.405 --> 00:16:04.345
<00:16:03.405>The <00:16:03.574>question <00:16:03.743>you <00:16:03.912>were <00:16:04.081>asking <00:16:04.251>me

387
00:16:04.345 --> 00:16:05.625
<00:16:04.345>backstage <00:16:04.537>was, <00:16:04.729>well, <00:16:04.921>hold <00:16:05.113>on <00:16:05.305>a <00:16:05.497>second.

388
00:16:05.625 --> 00:16:06.665
<00:16:05.625>You've <00:16:05.859>got <00:16:06.093>millions <00:16:06.327>of <00:16:06.560>users.

389
00:16:07.125 --> 00:16:09.065
<00:16:07.125>So <00:16:07.241>how <00:16:07.358>do <00:16:07.475>you <00:16:07.591>all, <00:16:07.708>how <00:16:07.825>do <00:16:07.941>you <00:16:08.058>talk <00:16:08.175>to <00:16:08.291>all <00:16:08.408>the <00:16:08.525>users?

390
00:16:09.525 --> 00:16:10.585
<00:16:09.525>The <00:16:09.763>trick <00:16:10.002>here <00:16:10.240>is <00:16:10.479>actually

391
00:16:10.585 --> 00:16:12.305
<00:16:10.585>to <00:16:10.785>think <00:16:10.985>about <00:16:11.185>talking <00:16:11.385>to <00:16:11.585>the <00:16:11.785>right <00:16:11.985>users.

392
00:16:12.565 --> 00:16:14.545
<00:16:12.565>We <00:16:12.798>can't <00:16:13.031>talk <00:16:13.265>to <00:16:13.498>every <00:16:13.731>single <00:16:13.965>one,

393
00:16:14.765 --> 00:16:17.145
<00:16:14.765>but <00:16:14.920>what <00:16:15.076>we <00:16:15.231>can <00:16:15.387>do <00:16:15.542>is <00:16:15.698>recognize <00:16:15.853>that, <00:16:16.009>you <00:16:16.165>know,

394
00:16:17.145 --> 00:16:19.825
<00:16:17.145>in <00:16:17.345>the <00:16:17.545>enterprise, <00:16:17.745>we <00:16:17.944>have <00:16:18.145>really <00:16:18.345>important <00:16:18.545>users

395
00:16:19.925 --> 00:16:20.945
<00:16:19.925>who <00:16:20.231>share <00:16:20.537>our <00:16:20.843>vision

396
00:16:20.945 --> 00:16:23.345
<00:16:20.945>for <00:16:21.145>the <00:16:21.345>future <00:16:21.545>companies <00:16:21.745>like <00:16:21.945>Shopify <00:16:22.145>and <00:16:22.345>Amazon.

397
00:16:23.685 --> 00:16:25.705
<00:16:23.685>And <00:16:23.840>so <00:16:23.996>we'll <00:16:24.151>spend <00:16:24.307>a <00:16:24.462>lot <00:16:24.618>of <00:16:24.773>time <00:16:24.929>understanding <00:16:25.084>what,

398
00:16:25.705 --> 00:16:27.905
<00:16:25.705>what <00:16:25.938>they're <00:16:26.171>up <00:16:26.405>to <00:16:26.638>and <00:16:26.871>amongst <00:16:27.105>startups.

399
00:16:27.905 --> 00:16:31.465
<00:16:27.905>We'll <00:16:28.045>also <00:16:28.185>try <00:16:28.324>to <00:16:28.464>bring <00:16:28.605>in, <00:16:28.745>um, <00:16:28.885>a, <00:16:29.025>a <00:16:29.165>representative <00:16:29.305>set

400
00:16:31.465 --> 00:16:32.705
<00:16:31.465>of <00:16:31.651>folks <00:16:31.837>that <00:16:32.023>are <00:16:32.209>experiencing <00:16:32.395>the <00:16:32.581>problem

401
00:16:32.925 --> 00:16:34.425
<00:16:32.925>of <00:16:33.194>whichever <00:16:33.464>team <00:16:33.734>is <00:16:34.005>working <00:16:34.275>on,

402
00:16:34.765 --> 00:16:36.785
<00:16:34.765>and <00:16:34.998>make <00:16:35.231>sure <00:16:35.465>that <00:16:35.698>we <00:16:35.931>understand <00:16:36.165>very

403
00:16:36.785 --> 00:16:38.345
<00:16:36.785>closely <00:16:37.135>what <00:16:37.485>they're <00:16:37.834>looking <00:16:38.185>for.

404
00:16:38.805 --> 00:16:40.265
<00:16:38.805>And <00:16:39.067>then <00:16:39.330>we <00:16:39.593>also <00:16:39.856>believe <00:16:40.119>in,

405
00:16:40.565 --> 00:16:41.785
<00:16:40.565>and <00:16:40.748>this <00:16:40.931>is <00:16:41.114>how <00:16:41.297>we <00:16:41.480>actually <00:16:41.663>work,

406
00:16:41.975 --> 00:16:45.025
<00:16:41.975>getting <00:16:42.130>early <00:16:42.286>products <00:16:42.441>in <00:16:42.597>the <00:16:42.752>hands <00:16:42.908>of <00:16:43.063>those <00:16:43.219>users <00:16:43.375>so

407
00:16:45.025 --> 00:16:46.385
<00:16:45.025>that <00:16:45.228>they <00:16:45.433>can <00:16:45.637>give <00:16:45.841>us <00:16:46.045>rapid <00:16:46.249>feedback.

408
00:16:46.385 --> 00:16:50.025
<00:16:46.385>So <00:16:46.512>this <00:16:46.639>is <00:16:46.766>before <00:16:46.894>it's <00:16:47.021>launched, <00:16:47.148>we <00:16:47.275>will <00:16:47.403>choose <00:16:47.530>a <00:16:47.657>small <00:16:47.785>set

409
00:16:50.025 --> 00:16:53.485
<00:16:50.025>of <00:16:50.180>folks <00:16:50.336>that <00:16:50.491>really <00:16:50.647>capture <00:16:50.802>the <00:16:50.958>need <00:16:51.113>that <00:16:51.269>we're <00:16:51.425>trying

410
00:16:53.485 --> 00:16:55.005
<00:16:53.485>to <00:16:53.941>address <00:16:54.397>most <00:16:54.853>acutely.

411
00:16:55.385 --> 00:16:56.885
<00:16:55.385>And <00:16:55.577>then <00:16:55.770>we'll <00:16:55.963>try <00:16:56.156>to <00:16:56.349>operate <00:16:56.542>a <00:16:56.735>loop.

412
00:16:56.885 --> 00:16:59.445
<00:16:56.885>We <00:16:57.025>sometimes <00:16:57.165>call <00:16:57.305>it <00:16:57.444>an <00:16:57.585>OODA <00:16:57.725>loop, <00:16:57.865>which <00:16:58.005>stands <00:16:58.145>for, <00:16:58.285>uh,

413
00:17:00.435 --> 00:17:03.605
<00:17:00.435>observe, <00:17:00.901>orient, <00:17:01.368>decide, <00:17:01.834>act.

414
00:17:03.865 --> 00:17:06.765
<00:17:03.865>So <00:17:04.005>you're <00:17:04.145>in <00:17:04.285>this <00:17:04.425>loop <00:17:04.565>or <00:17:04.704>you're <00:17:04.845>observing <00:17:04.984>that <00:17:05.125>how <00:17:05.265>they're,

415
00:17:06.905 --> 00:17:08.405
<00:17:06.905>uh, <00:17:07.175>experiencing <00:17:07.444>code <00:17:07.714>that <00:17:07.984>you've <00:17:08.254>written.

416
00:17:09.105 --> 00:17:12.045
<00:17:09.105>You <00:17:09.245>are, <00:17:09.385>um, <00:17:09.525>orienting <00:17:09.665>on <00:17:09.805>what <00:17:09.944>to <00:17:10.085>do <00:17:10.224>next, <00:17:10.365>you're <00:17:10.505>deciding

417
00:17:12.045 --> 00:17:14.245
<00:17:12.045>what <00:17:12.161>to <00:17:12.278>do, <00:17:12.395>and <00:17:12.511>then <00:17:12.628>you <00:17:12.745>act <00:17:12.861>and <00:17:12.978>you <00:17:13.095>keep <00:17:13.211>this <00:17:13.328>loop <00:17:13.445>going.

418
00:17:14.785 --> 00:17:18.645
<00:17:14.785>Um, <00:17:14.925>and <00:17:15.065>only <00:17:15.205>when <00:17:15.345>those <00:17:15.485>early <00:17:15.625>users <00:17:15.765>are <00:17:15.905>telling <00:17:16.045>us <00:17:16.185>this

419
00:17:18.645 --> 00:17:20.605
<00:17:18.645>product <00:17:18.845>is <00:17:19.045>great, <00:17:19.244>then <00:17:19.444>we <00:17:19.645>will <00:17:19.845>ga <00:17:20.045>it

420
00:17:20.605 --> 00:17:22.965
<00:17:20.605>and <00:17:20.760>make <00:17:20.916>it <00:17:21.071>available <00:17:21.227>to <00:17:21.382>the, <00:17:21.538>the <00:17:21.693>broader <00:17:21.849>user <00:17:22.005>base.

421
00:17:23.305 --> 00:17:27.695
<00:17:23.305>Um, <00:17:23.421>and <00:17:23.538>that <00:17:23.655>is <00:17:23.771>obviously <00:17:23.888>a <00:17:24.005>way <00:17:24.121>it, <00:17:24.238>it, <00:17:24.355>it <00:17:24.471>is <00:17:24.588>inspired <00:17:24.705>by

422
00:17:27.695 --> 00:17:28.775
<00:17:27.694>how <00:17:27.857>we <00:17:28.019>worked <00:17:28.181>in <00:17:28.343>the <00:17:28.505>early <00:17:28.667>days,

423
00:17:28.955 --> 00:17:31.135
<00:17:28.955>but <00:17:29.129>it's <00:17:29.304>how <00:17:29.480>we <00:17:29.655>work <00:17:29.830>at <00:17:30.004>scale <00:17:30.179>to <00:17:30.355>preserve

424
00:17:31.135 --> 00:17:32.255
<00:17:31.135>that, <00:17:31.336>that <00:17:31.538>kind <00:17:31.739>of <00:17:31.941>through <00:17:32.143>line.

425
00:17:32.985 --> 00:17:35.115
<00:17:32.985>Yeah. <00:17:33.159>I <00:17:33.334>also <00:17:33.510>found <00:17:33.685>it <00:17:33.860>very <00:17:34.034>fascinating <00:17:34.209>that <00:17:34.385>you,

426
00:17:35.135 --> 00:17:38.315
<00:17:35.135>you <00:17:35.262>just <00:17:35.389>told <00:17:35.516>me <00:17:35.644>that, <00:17:35.771>uh, <00:17:35.898>you <00:17:36.025>had <00:17:36.153>yesterday <00:17:36.280>a <00:17:36.407>meeting, <00:17:36.535>uh,

427
00:17:38.315 --> 00:17:39.515
<00:17:38.315>with, <00:17:38.855>with <00:17:39.395>users

428
00:17:39.975 --> 00:17:44.195
<00:17:39.975>and, <00:17:40.102>uh, <00:17:40.229>at <00:17:40.356>this <00:17:40.484>scale <00:17:40.611>that <00:17:40.738>the <00:17:40.865>CTO <00:17:40.993>is <00:17:41.120>still <00:17:41.247>doing <00:17:41.375>this,

429
00:17:44.195 --> 00:17:47.275
<00:17:44.195>and <00:17:44.322>this <00:17:44.449>is <00:17:44.576>important <00:17:44.704>for <00:17:44.831>you, <00:17:44.958>uh, <00:17:45.085>that <00:17:45.213>you <00:17:45.340>still <00:17:45.467>are, <00:17:45.595>uh,

430
00:17:47.305 --> 00:17:50.235
<00:17:47.305>user <00:17:47.480>first, <00:17:47.655>uh, <00:17:47.830>that <00:17:48.005>your <00:17:48.180>approach <00:17:48.355>is <00:17:48.530>user <00:17:48.705>first

431
00:17:50.335 --> 00:17:53.875
<00:17:50.335>and <00:17:50.475>to <00:17:50.615>not <00:17:50.755>lose <00:17:50.895>this <00:17:51.035>connection <00:17:51.175>with, <00:17:51.315>with <00:17:51.455>the <00:17:51.595>actual <00:17:51.735>user.

432
00:17:54.295 --> 00:17:56.475
<00:17:54.295>And <00:17:54.495>I, <00:17:54.695>I <00:17:54.895>really <00:17:55.095>find <00:17:55.295>this <00:17:55.495>very <00:17:55.695>fascinating.

433
00:17:57.215 --> 00:18:00.515
<00:17:57.215>Um, <00:17:57.415>one, <00:17:57.615>one <00:17:57.814>last <00:17:58.014>question <00:17:58.215>about <00:17:58.415>the <00:17:58.615>API.

434
00:18:00.515 --> 00:18:02.235
<00:18:00.515>Because <00:18:00.748>an <00:18:00.981>API <00:18:01.215>has <00:18:01.448>to <00:18:01.681>be <00:18:01.915>robust.

435
00:18:02.255 --> 00:18:04.835
<00:18:02.255>It <00:18:02.488>has <00:18:02.721>to <00:18:02.955>be, <00:18:03.188>uh, <00:18:03.421>backwards <00:18:03.655>compared

436
00:18:04.865 --> 00:18:09.115
<00:18:04.865>because <00:18:05.020>people, <00:18:05.176>they <00:18:05.331>built <00:18:05.487>their <00:18:05.642>payment <00:18:05.798>systems <00:18:05.953>on <00:18:06.109>top <00:18:06.265>of,

437
00:18:09.175 --> 00:18:11.075
<00:18:09.175>of, <00:18:09.524>of, <00:18:09.875>uh, <00:18:10.225>your <00:18:10.575>APIs.

438
00:18:11.655 --> 00:18:14.415
<00:18:11.655>Um, <00:18:11.888>how, <00:18:12.121>how <00:18:12.355>do <00:18:12.588>you <00:18:12.821>manage <00:18:13.055>here

439
00:18:14.415 --> 00:18:17.095
<00:18:14.415>that <00:18:14.648>the <00:18:14.881>business <00:18:15.115>criteria <00:18:15.348>service <00:18:15.581>is <00:18:15.815>reliable,

440
00:18:17.275 --> 00:18:19.415
<00:18:17.275>is <00:18:17.475>backwards, <00:18:17.675>compatible, <00:18:17.875>and <00:18:18.075>so <00:18:18.275>on <00:18:18.475>and <00:18:18.675>forth?

441
00:18:21.155 --> 00:18:23.655
<00:18:21.155>So <00:18:21.388>first <00:18:21.621>of <00:18:21.855>all, <00:18:22.088>that <00:18:22.321>sensible <00:18:22.555>architecture,

442
00:18:23.655 --> 00:18:27.375
<00:18:23.655>understanding <00:18:23.855>which <00:18:24.055>parts <00:18:24.254>of <00:18:24.455>the <00:18:24.655>API <00:18:24.855>are <00:18:25.055>critical

443
00:18:27.375 --> 00:18:30.575
<00:18:27.375>to <00:18:27.502>get <00:18:27.629>right <00:18:27.756>and <00:18:27.884>will <00:18:28.011>persist <00:18:28.138>for <00:18:28.265>a <00:18:28.393>very <00:18:28.520>long <00:18:28.647>time, <00:18:28.775>um,

444
00:18:30.875 --> 00:18:32.135
<00:18:30.875>and <00:18:31.101>making <00:18:31.328>sure <00:18:31.555>that <00:18:31.782>we're <00:18:32.009>very

445
00:18:32.135 --> 00:18:33.335
<00:18:32.135>deliberate <00:18:32.495>about <00:18:32.855>evolving <00:18:33.215>those.

446
00:18:33.635 --> 00:18:38.365
<00:18:33.635>Um, <00:18:33.790>so <00:18:33.946>we <00:18:34.101>actually <00:18:34.257>have <00:18:34.412>a <00:18:34.568>large <00:18:34.723>group <00:18:34.879>at <00:18:35.035>Stripe

447
00:18:38.365 --> 00:18:39.925
<00:18:38.365>that <00:18:38.598>cuts <00:18:38.831>across <00:18:39.065>all <00:18:39.298>of <00:18:39.531>our <00:18:39.765>teams,

448
00:18:39.925 --> 00:18:41.725
<00:18:39.925>which <00:18:40.158>we <00:18:40.391>call <00:18:40.625>our <00:18:40.858>API <00:18:41.091>review <00:18:41.325>group.

449
00:18:41.985 --> 00:18:45.685
<00:18:41.985>Um, <00:18:42.159>and <00:18:42.334>they <00:18:42.510>bring <00:18:42.685>expertise <00:18:42.860>from <00:18:43.034>each <00:18:43.209>group <00:18:43.385>into

450
00:18:46.405 --> 00:18:48.205
<00:18:46.405>a <00:18:46.638>shared <00:18:46.871>team <00:18:47.105>that <00:18:47.338>can <00:18:47.571>talk <00:18:47.805>about

451
00:18:49.165 --> 00:18:50.215
<00:18:49.165>some <00:18:49.354>new <00:18:49.543>thing <00:18:49.732>that <00:18:49.920>we're <00:18:50.110>doing.

452
00:18:50.355 --> 00:18:52.295
<00:18:50.355>Are <00:18:50.530>we <00:18:50.705>getting <00:18:50.880>all <00:18:51.055>of <00:18:51.230>the <00:18:51.405>edge <00:18:51.580>cases <00:18:51.755>right?

453
00:18:52.315 --> 00:18:54.495
<00:18:52.315>Are <00:18:52.470>we <00:18:52.626>really <00:18:52.781>understanding <00:18:52.937>how <00:18:53.092>it's <00:18:53.248>going <00:18:53.403>to <00:18:53.559>be, <00:18:53.715>um,

454
00:18:54.625 --> 00:18:56.855
<00:18:54.625>baked <00:18:54.825>into <00:18:55.025>our, <00:18:55.225>our <00:18:55.425>user <00:18:55.625>systems <00:18:55.825>over <00:18:56.025>time?

455
00:18:57.475 --> 00:19:01.355
<00:18:57.475>Um, <00:18:57.615>and <00:18:57.754>the <00:18:57.895>cool <00:18:58.034>thing <00:18:58.175>about <00:18:58.314>that <00:18:58.455>group <00:18:58.594>is <00:18:58.735>it <00:18:58.875>consists

456
00:19:01.355 --> 00:19:02.635
<00:19:01.355>of <00:19:01.483>a <00:19:01.611>bunch <00:19:01.739>of <00:19:01.867>folks <00:19:01.995>who've <00:19:02.123>been <00:19:02.251>at <00:19:02.379>the <00:19:02.507>company

457
00:19:02.635 --> 00:19:04.715
<00:19:02.635>for <00:19:02.790>a <00:19:02.946>very <00:19:03.101>long <00:19:03.257>time, <00:19:03.412>and <00:19:03.568>then <00:19:03.723>we <00:19:03.879>work <00:19:04.035>hard

458
00:19:04.875 --> 00:19:07.155
<00:19:04.875>to <00:19:05.030>actually <00:19:05.186>get <00:19:05.341>new <00:19:05.497>folks <00:19:05.652>into <00:19:05.808>that <00:19:05.963>group <00:19:06.119>as <00:19:06.275>well.

459
00:19:07.175 --> 00:19:09.795
<00:19:07.175>So <00:19:07.315>once <00:19:07.455>someone's <00:19:07.595>been <00:19:07.735>at <00:19:07.875>Stripe <00:19:08.014>for, <00:19:08.155>you <00:19:08.294>know, <00:19:08.435>a <00:19:08.575>year

460
00:19:09.795 --> 00:19:11.955
<00:19:09.795>or <00:19:09.935>so, <00:19:10.075>and <00:19:10.215>they're <00:19:10.355>working <00:19:10.495>in <00:19:10.635>the <00:19:10.775>API <00:19:10.915>domain, <00:19:11.055>we'll <00:19:11.195>try

461
00:19:11.955 --> 00:19:12.955
<00:19:11.955>to <00:19:12.083>make <00:19:12.212>sure <00:19:12.340>that <00:19:12.469>they <00:19:12.597>join <00:19:12.726>this <00:19:12.855>group

462
00:19:12.955 --> 00:19:15.915
<00:19:12.955>because <00:19:13.110>then <00:19:13.266>they <00:19:13.421>can <00:19:13.577>learn <00:19:13.732>a <00:19:13.888>lot <00:19:14.043>from <00:19:14.199>the <00:19:14.355>experienced

463
00:19:15.915 --> 00:19:17.595
<00:19:15.915>folks, <00:19:16.195>um, <00:19:16.475>who <00:19:16.754>are <00:19:17.034>already <00:19:17.315>here.

464
00:19:17.975 --> 00:19:19.755
<00:19:17.975>So <00:19:18.324>that's <00:19:18.675>important. <00:19:19.024>Sharing <00:19:19.375>knowledge

465
00:19:19.815 --> 00:19:23.035
<00:19:19.815>and <00:19:19.990>sharing <00:19:20.165>knowledge <00:19:20.340>in <00:19:20.515>the, <00:19:20.690>in <00:19:20.865>the <00:19:21.040>practicalities, <00:19:21.215>um,

466
00:19:23.095 --> 00:19:24.955
<00:19:23.095>of <00:19:23.375>getting <00:19:23.655>that <00:19:23.935>domain <00:19:24.215>modeling <00:19:24.495>and,

467
00:19:24.955 --> 00:19:27.115
<00:19:24.955>and <00:19:25.129>the <00:19:25.304>craft <00:19:25.480>of <00:19:25.655>API <00:19:25.830>design <00:19:26.004>right, <00:19:26.179>really <00:19:26.355>matters.

468
00:19:27.775 --> 00:19:30.035
<00:19:27.775>The <00:19:27.902>other <00:19:28.029>thing <00:19:28.156>that <00:19:28.284>we <00:19:28.411>do <00:19:28.538>is <00:19:28.665>that <00:19:28.793>we <00:19:28.920>just <00:19:29.047>keep <00:19:29.175>over

469
00:19:30.055 --> 00:19:33.315
<00:19:30.055>and <00:19:30.255>over <00:19:30.455>again <00:19:30.655>integrating <00:19:30.855>the <00:19:31.055>API <00:19:31.255>ourselves, <00:19:31.455>um,

470
00:19:33.495 --> 00:19:35.595
<00:19:33.495>and <00:19:33.669>doing <00:19:33.844>a <00:19:34.020>practice <00:19:34.195>which <00:19:34.370>we <00:19:34.544>call <00:19:34.719>friction <00:19:34.895>logging,

471
00:19:35.645 --> 00:19:38.715
<00:19:35.645>which <00:19:35.800>is <00:19:35.956>we'll <00:19:36.111>just <00:19:36.267>write <00:19:36.422>a <00:19:36.578>stream <00:19:36.733>of <00:19:36.889>consciousness <00:19:37.045>log

472
00:19:38.815 --> 00:19:40.635
<00:19:38.815>of <00:19:39.095>our <00:19:39.375>experience <00:19:39.655>using <00:19:39.935>the <00:19:40.215>product.

473
00:19:40.685 --> 00:19:42.915
<00:19:40.685>We're <00:19:40.965>always <00:19:41.245>modeling <00:19:41.524>a <00:19:41.804>particular <00:19:42.085>user.

474
00:19:43.055 --> 00:19:46.155
<00:19:43.055>So <00:19:43.182>we'll <00:19:43.309>think <00:19:43.436>about, <00:19:43.564>you <00:19:43.691>know, <00:19:43.818>I <00:19:43.945>am <00:19:44.073>a <00:19:44.200>developer <00:19:44.327>inside, <00:19:44.455>uh,

475
00:19:46.325 --> 00:19:48.595
<00:19:46.325>maybe <00:19:46.605>let's <00:19:46.885>say, <00:19:47.165>uh, <00:19:47.445>fin <00:19:47.725>Auto.

476
00:19:48.665 --> 00:19:50.915
<00:19:48.665>It's <00:19:48.805>a, <00:19:48.945>it's <00:19:49.085>a <00:19:49.225>German <00:19:49.365>user <00:19:49.504>who <00:19:49.645>are <00:19:49.784>using <00:19:49.925>our <00:19:50.065>billing

477
00:19:50.915 --> 00:19:52.275
<00:19:50.915>and <00:19:51.323>subscriptions <00:19:51.731>products <00:19:52.139>so

478
00:19:52.275 --> 00:19:53.475
<00:19:52.275>that <00:19:52.455>you <00:19:52.635>can <00:19:52.815>subscribe <00:19:52.995>to <00:19:53.175>your <00:19:53.355>car.

479
00:19:53.575 --> 00:19:54.835
<00:19:53.575>Um, <00:19:53.801>it's <00:19:54.028>a <00:19:54.255>really <00:19:54.482>great <00:19:54.709>model.

480
00:19:55.055 --> 00:19:57.155
<00:19:55.055>So <00:19:55.210>we'll <00:19:55.366>actually <00:19:55.521>imagine <00:19:55.677>that <00:19:55.832>we <00:19:55.988>are <00:19:56.143>that <00:19:56.299>user, <00:19:56.455>um,

481
00:19:57.165 --> 00:20:00.155
<00:19:57.165>going <00:19:57.340>about <00:19:57.514>integrating, <00:19:57.690>uh, <00:19:57.865>a <00:19:58.040>new <00:19:58.215>feature <00:19:58.389>of <00:19:58.565>billing

482
00:20:00.615 --> 00:20:02.595
<00:20:00.615>so <00:20:00.815>we <00:20:01.015>can <00:20:01.215>kind <00:20:01.415>of <00:20:01.615>mental <00:20:01.815>model <00:20:02.015>what,

483
00:20:02.615 --> 00:20:05.435
<00:20:02.615>how <00:20:02.770>they <00:20:02.926>might <00:20:03.081>think <00:20:03.237>about <00:20:03.392>their <00:20:03.548>business <00:20:03.703>in <00:20:03.859>our <00:20:04.015>API.

484
00:20:06.015 --> 00:20:09.715
<00:20:06.015>Um, <00:20:06.248>and <00:20:06.481>anything <00:20:06.715>that <00:20:06.948>is <00:20:07.181>not <00:20:07.415>perfect,

485
00:20:09.965 --> 00:20:11.435
<00:20:09.965>we'll <00:20:10.229>write <00:20:10.494>in <00:20:10.758>the <00:20:11.023>log <00:20:11.288>this,

486
00:20:11.435 --> 00:20:12.635
<00:20:11.435>this <00:20:11.589>could <00:20:11.743>have <00:20:11.897>been <00:20:12.052>better <00:20:12.206>and <00:20:12.360>so <00:20:12.514>forth.

487
00:20:12.635 --> 00:20:14.715
<00:20:12.635>And <00:20:12.868>then <00:20:13.101>we're, <00:20:13.335>we're <00:20:13.568>very <00:20:13.801>obsessive, <00:20:14.035>honestly.

488
00:20:14.715 --> 00:20:16.235
<00:20:14.715>We <00:20:14.867>kind <00:20:15.019>of <00:20:15.170>geek <00:20:15.322>out <00:20:15.475>on <00:20:15.627>going <00:20:15.779>back <00:20:15.930>through <00:20:16.082>these

489
00:20:16.755 --> 00:20:19.795
<00:20:16.755>friction <00:20:16.988>logs <00:20:17.221>and <00:20:17.455>turning <00:20:17.688>them <00:20:17.921>into <00:20:18.155>changes

490
00:20:19.875 --> 00:20:21.355
<00:20:19.875>that <00:20:20.097>we <00:20:20.319>make <00:20:20.541>in <00:20:20.763>both <00:20:20.985>the <00:20:21.207>API

491
00:20:21.355 --> 00:20:23.875
<00:20:21.355>and <00:20:21.530>the <00:20:21.705>documentation <00:20:21.880>to <00:20:22.055>hopefully <00:20:22.230>make <00:20:22.405>the <00:20:22.580>process <00:20:22.755>of,

492
00:20:23.895 --> 00:20:25.635
<00:20:23.895>of <00:20:24.095>picking <00:20:24.295>up <00:20:24.495>and, <00:20:24.695>and <00:20:24.895>adopting <00:20:25.095>that <00:20:25.295>product

493
00:20:25.695 --> 00:20:26.795
<00:20:25.695>as <00:20:25.893>seamless <00:20:26.091>as, <00:20:26.289>as <00:20:26.487>we <00:20:26.685>can.

494
00:20:28.145 --> 00:20:30.125
<00:20:28.145>Sounds <00:20:28.495>very <00:20:28.845>nice. <00:20:29.195>You <00:20:29.545>mentioned

495
00:20:30.125 --> 00:20:32.165
<00:20:30.125>that <00:20:30.280>you <00:20:30.436>bring <00:20:30.591>in <00:20:30.747>people <00:20:30.902>like <00:20:31.058>in <00:20:31.213>the <00:20:31.369>small <00:20:31.525>teams,

496
00:20:32.225 --> 00:20:34.525
<00:20:32.225>all <00:20:32.365>new <00:20:32.504>people <00:20:32.645>who <00:20:32.784>just <00:20:32.925>joined <00:20:33.064>and <00:20:33.205>so <00:20:33.344>on <00:20:33.485>and <00:20:33.625>forth.

497
00:20:34.545 --> 00:20:37.685
<00:20:34.545>So <00:20:34.720>this <00:20:34.895>brings <00:20:35.070>me <00:20:35.245>to <00:20:35.420>another <00:20:35.595>question, <00:20:35.770>like, <00:20:35.945>uh,

498
00:20:37.955 --> 00:20:39.805
<00:20:37.955>when <00:20:38.304>you <00:20:38.655>hire <00:20:39.004>people <00:20:39.355>and,

499
00:20:39.865 --> 00:20:43.405
<00:20:39.865>and <00:20:40.098>you're <00:20:40.331>looking <00:20:40.565>for <00:20:40.798>talent, <00:20:41.031>like <00:20:41.265>how,

500
00:20:43.665 --> 00:20:46.605
<00:20:43.665>what's <00:20:43.840>the <00:20:44.014>process <00:20:44.190>here <00:20:44.365>and <00:20:44.540>how <00:20:44.715>is <00:20:44.889>the <00:20:45.065>onboarding

501
00:20:47.185 --> 00:20:52.005
<00:20:47.185>and <00:20:47.360>what's <00:20:47.534>the <00:20:47.710>time <00:20:47.885>from <00:20:48.060>like <00:20:48.235>hiring <00:20:48.409>to <00:20:48.585>deploy

502
00:20:52.105 --> 00:20:53.725
<00:20:52.105>to <00:20:52.338>the <00:20:52.571>first <00:20:52.805>deploy <00:20:53.038>for <00:20:53.271>a <00:20:53.505>developer?

503
00:20:53.795 --> 00:20:55.775
<00:20:53.795>Yeah. <00:20:54.145>Well, <00:20:54.495>first <00:20:54.845>of <00:20:55.195>all,

504
00:20:55.775 --> 00:20:57.255
<00:20:55.775>we <00:20:55.997>are <00:20:56.219>hiring <00:20:56.441>very <00:20:56.663>actively <00:20:56.885>right <00:20:57.107>now.

505
00:20:57.355 --> 00:20:59.575
<00:20:57.355>Um, <00:20:57.510>and <00:20:57.666>in <00:20:57.821>particular, <00:20:57.977>we're <00:20:58.132>hiring <00:20:58.288>a <00:20:58.443>lot <00:20:58.599>in <00:20:58.755>Europe.

506
00:20:59.955 --> 00:21:03.215
<00:20:59.955>Um, <00:21:00.110>we, <00:21:00.266>our <00:21:00.421>business <00:21:00.577>is <00:21:00.732>growing <00:21:00.888>really <00:21:01.043>well <00:21:01.199>across <00:21:01.355>all

507
00:21:03.215 --> 00:21:05.095
<00:21:03.215>of <00:21:03.389>the <00:21:03.564>regions, <00:21:03.740>but <00:21:03.915>we're <00:21:04.090>growing <00:21:04.264>fastest <00:21:04.439>in <00:21:04.615>Europe,

508
00:21:05.235 --> 00:21:08.455
<00:21:05.235>so <00:21:05.375>we're <00:21:05.514>very <00:21:05.655>keen <00:21:05.794>to <00:21:05.935>have <00:21:06.074>more <00:21:06.215>engineers <00:21:06.354>join <00:21:06.495>us <00:21:06.635>here,

509
00:21:08.655 --> 00:21:10.975
<00:21:08.655>engineers, <00:21:08.810>product <00:21:08.966>managers <00:21:09.121>and <00:21:09.277>so <00:21:09.432>forth, <00:21:09.588>join <00:21:09.743>us <00:21:09.899>here, <00:21:10.055>um,

510
00:21:10.975 --> 00:21:13.535
<00:21:10.975>because <00:21:11.091>we <00:21:11.208>want <00:21:11.324>to <00:21:11.441>be <00:21:11.558>able <00:21:11.675>to <00:21:11.791>go <00:21:11.908>deep <00:21:12.024>with <00:21:12.141>our <00:21:12.258>users <00:21:12.375>in,

511
00:21:13.595 --> 00:21:16.655
<00:21:13.595>in <00:21:13.735>this, <00:21:13.875>uh, <00:21:14.015>region <00:21:14.155>in <00:21:14.295>order <00:21:14.435>to <00:21:14.575>learn <00:21:14.715>about <00:21:14.855>their <00:21:14.995>needs.

512
00:21:16.995 --> 00:21:18.855
<00:21:16.995>Um, <00:21:17.228>so <00:21:17.461>that <00:21:17.695>includes <00:21:17.928>hiring <00:21:18.161>in <00:21:18.395>Germany,

513
00:21:19.115 --> 00:21:21.375
<00:21:19.115>but <00:21:19.315>also <00:21:19.515>we're <00:21:19.715>now <00:21:19.915>hiring <00:21:20.115>in <00:21:20.315>Bucharest, <00:21:20.515>um,

514
00:21:21.395 --> 00:21:26.285
<00:21:21.395>and <00:21:21.570>across <00:21:21.745>the <00:21:21.920>region, <00:21:22.095>um, <00:21:22.270>the, <00:21:22.445>the <00:21:22.620>process, <00:21:22.795>first

515
00:21:26.285 --> 00:21:28.845
<00:21:26.285>of <00:21:26.412>all, <00:21:26.539>the <00:21:26.666>kind <00:21:26.794>of <00:21:26.921>folks <00:21:27.048>that <00:21:27.175>will <00:21:27.303>enjoy <00:21:27.430>working <00:21:27.557>at <00:21:27.685>Stripe

516
00:21:28.845 --> 00:21:31.125
<00:21:28.845>are <00:21:29.020>folks <00:21:29.195>who <00:21:29.370>are <00:21:29.545>builders <00:21:29.720>who <00:21:29.895>actually <00:21:30.070>want <00:21:30.245>to,

517
00:21:31.585 --> 00:21:33.805
<00:21:31.585>we <00:21:31.740>we're <00:21:31.896>really <00:21:32.051>just <00:21:32.207>getting <00:21:32.362>started <00:21:32.518>in <00:21:32.673>solving <00:21:32.829>all <00:21:32.985>the

518
00:21:33.805 --> 00:21:34.805
<00:21:33.805>problems <00:21:34.030>that <00:21:34.255>our <00:21:34.480>users <00:21:34.705>have.

519
00:21:34.985 --> 00:21:37.685
<00:21:34.985>Um, <00:21:35.218>we <00:21:35.451>we're <00:21:35.685>continually <00:21:35.918>hearing <00:21:36.151>about <00:21:36.385>more

520
00:21:37.685 --> 00:21:39.285
<00:21:37.685>and <00:21:37.825>more <00:21:37.965>things <00:21:38.105>that <00:21:38.245>we <00:21:38.385>could <00:21:38.524>do <00:21:38.665>to <00:21:38.804>serve <00:21:38.945>them <00:21:39.085>well.

521
00:21:39.305 --> 00:21:41.925
<00:21:39.305>So <00:21:39.538>folks <00:21:39.771>who <00:21:40.005>want <00:21:40.238>to <00:21:40.471>spend <00:21:40.705>time

522
00:21:42.485 --> 00:21:44.125
<00:21:42.485>learning <00:21:42.834>about <00:21:43.185>our <00:21:43.534>users' <00:21:43.885>needs

523
00:21:44.125 --> 00:21:45.805
<00:21:44.125>and <00:21:44.325>how <00:21:44.525>we <00:21:44.725>can <00:21:44.925>help <00:21:45.125>all <00:21:45.325>these <00:21:45.525>businesses

524
00:21:45.805 --> 00:21:47.325
<00:21:45.805>around <00:21:46.147>the <00:21:46.489>world <00:21:46.831>grow, <00:21:47.173>um,

525
00:21:47.665 --> 00:21:49.285
<00:21:47.665>and <00:21:47.945>then <00:21:48.225>translate <00:21:48.504>those <00:21:48.784>into <00:21:49.065>code,

526
00:21:49.285 --> 00:21:50.885
<00:21:49.285>those <00:21:49.485>folks <00:21:49.685>will <00:21:49.885>do <00:21:50.085>really <00:21:50.285>well <00:21:50.485>at <00:21:50.685>Stripe.

527
00:21:51.265 --> 00:21:54.085
<00:21:51.265>And <00:21:51.420>our <00:21:51.576>hiring <00:21:51.731>process <00:21:51.887>is <00:21:52.042>designed <00:21:52.198>to <00:21:52.353>find <00:21:52.509>those <00:21:52.665>people.

528
00:21:54.185 --> 00:21:56.725
<00:21:54.185>So <00:21:54.312>we <00:21:54.439>often <00:21:54.566>talk <00:21:54.694>about <00:21:54.821>our <00:21:54.948>mission, <00:21:55.075>which <00:21:55.203>is <00:21:55.330>growing <00:21:55.457>the <00:21:55.585>GDP

529
00:21:56.725 --> 00:21:57.805
<00:21:56.725>of <00:21:57.049>the <00:21:57.373>internet, <00:21:57.697>um,

530
00:21:58.025 --> 00:22:00.605
<00:21:58.025>and <00:21:58.225>ensuring <00:21:58.425>that <00:21:58.625>folks <00:21:58.825>are <00:21:59.025>excited <00:21:59.225>about <00:21:59.425>that.

531
00:22:01.225 --> 00:22:04.605
<00:22:01.225>Um, <00:22:01.380>the, <00:22:01.536>the <00:22:01.691>hiring <00:22:01.847>process <00:22:02.002>is <00:22:02.158>also <00:22:02.313>really <00:22:02.469>focused <00:22:02.625>on

532
00:22:06.355 --> 00:22:08.775
<00:22:06.355>the <00:22:06.555>most <00:22:06.755>realistic <00:22:06.955>experience <00:22:07.155>of <00:22:07.355>doing <00:22:07.555>work <00:22:07.755>together.

533
00:22:08.835 --> 00:22:11.375
<00:22:08.835>We <00:22:08.990>can, <00:22:09.146>we <00:22:09.301>can <00:22:09.457>achieve, <00:22:09.612>so <00:22:09.768>it's <00:22:09.923>often <00:22:10.079>pair <00:22:10.235>programming

534
00:22:11.375 --> 00:22:13.735
<00:22:11.375>with <00:22:11.530>the <00:22:11.686>Stripe <00:22:11.841>engineer, <00:22:11.997>uh, <00:22:12.152>maybe <00:22:12.308>doing <00:22:12.463>a <00:22:12.619>little <00:22:12.775>bit

535
00:22:13.735 --> 00:22:16.015
<00:22:13.735>of <00:22:13.909>system <00:22:14.084>design <00:22:14.260>for, <00:22:14.435>for <00:22:14.610>some <00:22:14.784>more <00:22:14.959>senior <00:22:15.135>roles.

536
00:22:16.275 --> 00:22:18.095
<00:22:16.275>Um, <00:22:16.430>so <00:22:16.586>that's, <00:22:16.741>that's <00:22:16.897>kind <00:22:17.052>of <00:22:17.208>how <00:22:17.363>we <00:22:17.519>do <00:22:17.675>it.

537
00:22:18.095 --> 00:22:20.655
<00:22:18.095>And <00:22:18.250>then <00:22:18.406>once <00:22:18.561>people <00:22:18.717>are <00:22:18.872>at <00:22:19.028>Stripe, <00:22:19.183>it's <00:22:19.339>really <00:22:19.495>important

538
00:22:20.655 --> 00:22:22.975
<00:22:20.655>to <00:22:20.795>me <00:22:20.935>and <00:22:21.075>everyone <00:22:21.215>else <00:22:21.355>at <00:22:21.495>Stripe <00:22:21.635>that <00:22:21.774>we <00:22:21.915>have <00:22:22.055>this,

539
00:22:23.545 --> 00:22:24.805
<00:22:23.545>you <00:22:23.828>know, <00:22:24.112>great <00:22:24.395>learning <00:22:24.679>culture.

540
00:22:25.065 --> 00:22:28.565
<00:22:25.065>So <00:22:25.298>the <00:22:25.531>domain <00:22:25.765>of <00:22:25.998>financial <00:22:26.231>services, <00:22:26.465>um,

541
00:22:29.085 --> 00:22:31.645
<00:22:29.085>actually <00:22:29.318>rewards <00:22:29.551>a <00:22:29.785>lot <00:22:30.018>of <00:22:30.251>deep <00:22:30.485>context.

542
00:22:32.345 --> 00:22:33.565
<00:22:32.345>Um, <00:22:32.528>and <00:22:32.711>so <00:22:32.894>we <00:22:33.077>want <00:22:33.260>to <00:22:33.443>share

543
00:22:33.565 --> 00:22:34.965
<00:22:33.565>that <00:22:33.775>context <00:22:33.985>a <00:22:34.195>lot <00:22:34.405>around <00:22:34.615>the <00:22:34.824>company.

544
00:22:35.505 --> 00:22:38.795
<00:22:35.505>Um, <00:22:35.660>and <00:22:35.816>API <00:22:35.971>reviews <00:22:36.127>one <00:22:36.282>way <00:22:36.438>that <00:22:36.593>we <00:22:36.749>do <00:22:36.905>that.

545
00:22:39.215 --> 00:22:41.995
<00:22:39.215>Um, <00:22:39.389>but <00:22:39.564>in <00:22:39.740>particular, <00:22:39.915>our <00:22:40.090>onboarding <00:22:40.264>is <00:22:40.439>quite <00:22:40.615>deliberate.

546
00:22:42.175 --> 00:22:46.355
<00:22:42.175>Um, <00:22:42.315>we <00:22:42.455>have <00:22:42.595>a, <00:22:42.735>uh, <00:22:42.875>kind <00:22:43.014>of <00:22:43.155>pretty <00:22:43.294>structured <00:22:43.435>first <00:22:43.575>couple

547
00:22:46.355 --> 00:22:48.555
<00:22:46.355>of <00:22:46.530>weeks, <00:22:46.705>but <00:22:46.880>in <00:22:47.055>particular <00:22:47.230>the <00:22:47.405>couple <00:22:47.580>of <00:22:47.755>weeks

548
00:22:48.555 --> 00:22:49.915
<00:22:48.555>after <00:22:48.861>that, <00:22:49.167>it's <00:22:49.473>very <00:22:49.779>important

549
00:22:49.915 --> 00:22:52.235
<00:22:49.915>that <00:22:50.115>everyone <00:22:50.315>actually <00:22:50.514>gets <00:22:50.715>code <00:22:50.915>in <00:22:51.115>production <00:22:51.315>essentially

550
00:22:52.235 --> 00:22:54.035
<00:22:52.235>by, <00:22:52.390>you <00:22:52.546>know, <00:22:52.701>the <00:22:52.857>end <00:22:53.012>of <00:22:53.168>their <00:22:53.323>second, <00:22:53.479>third <00:22:53.635>week.

551
00:22:54.415 --> 00:22:57.715
<00:22:54.415>Um, <00:22:54.570>and <00:22:54.726>so <00:22:54.881>we'll <00:22:55.037>always <00:22:55.192>package <00:22:55.348>up <00:22:55.503>some <00:22:55.659>small <00:22:55.815>projects.

552
00:22:57.935 --> 00:23:00.155
<00:22:57.935>As <00:22:58.090>I <00:22:58.246>said, <00:22:58.401>anytime <00:22:58.557>a <00:22:58.712>PR <00:22:58.868>is <00:22:59.023>completed <00:22:59.179>at <00:22:59.335>Stripe

553
00:23:00.155 --> 00:23:01.235
<00:23:00.155>is <00:23:00.349>going <00:23:00.543>to <00:23:00.738>production <00:23:00.932>right <00:23:01.127>away.

554
00:23:01.375 --> 00:23:03.945
<00:23:01.375>So <00:23:01.608>it's <00:23:01.841>very <00:23:02.075>rare <00:23:02.308>for <00:23:02.541>an <00:23:02.775>engineer

555
00:23:03.945 --> 00:23:05.545
<00:23:03.945>to <00:23:04.085>have <00:23:04.225>been <00:23:04.365>at <00:23:04.504>Stripe <00:23:04.645>more <00:23:04.784>than <00:23:04.925>a <00:23:05.064>couple <00:23:05.205>of <00:23:05.345>weeks

556
00:23:05.565 --> 00:23:07.305
<00:23:05.565>and <00:23:05.765>not <00:23:05.965>already <00:23:06.165>have <00:23:06.365>some <00:23:06.565>code <00:23:06.765>in <00:23:06.965>production.

557
00:23:07.305 --> 00:23:08.945
<00:23:07.305>And <00:23:07.505>I <00:23:07.705>love <00:23:07.905>that, <00:23:08.105>and <00:23:08.305>we're <00:23:08.505>working <00:23:08.705>hard

558
00:23:08.945 --> 00:23:10.025
<00:23:08.945>to <00:23:09.139>preserve <00:23:09.333>that <00:23:09.528>as <00:23:09.722>we <00:23:09.917>grow.

559
00:23:10.325 --> 00:23:12.345
<00:23:10.325>Uh, <00:23:10.480>'cause <00:23:10.636>I <00:23:10.791>think <00:23:10.947>it's <00:23:11.102>very <00:23:11.258>important <00:23:11.413>to <00:23:11.569>feel <00:23:11.725>like,

560
00:23:12.485 --> 00:23:14.785
<00:23:12.485>you <00:23:12.640>know, <00:23:12.796>the, <00:23:12.951>the, <00:23:13.107>the <00:23:13.262>loop <00:23:13.418>between <00:23:13.573>making <00:23:13.729>a <00:23:13.885>change

561
00:23:14.785 --> 00:23:17.145
<00:23:14.785>and <00:23:14.960>seeing <00:23:15.135>it <00:23:15.310>live <00:23:15.485>in <00:23:15.660>the <00:23:15.835>world <00:23:16.010>in <00:23:16.185>real

562
00:23:17.145 --> 00:23:18.505
<00:23:17.145>people's <00:23:17.389>hands <00:23:17.634>is, <00:23:17.879>is <00:23:18.124>so <00:23:18.369>short.

563
00:23:19.465 --> 00:23:22.765
<00:23:19.465>Sounds, <00:23:19.698>sounds <00:23:19.931>fantastic <00:23:20.165>also <00:23:20.398>for <00:23:20.631>a <00:23:20.865>developer,

564
00:23:22.765 --> 00:23:25.525
<00:23:22.765>because <00:23:22.905>when <00:23:23.045>you're <00:23:23.185>trying <00:23:23.325>a <00:23:23.465>company, <00:23:23.605>you <00:23:23.745>also <00:23:23.885>want <00:23:24.025>to <00:23:24.165>like,

565
00:23:25.665 --> 00:23:29.805
<00:23:25.665>uh, <00:23:25.840>yeah, <00:23:26.014>be <00:23:26.190>productive <00:23:26.365>and, <00:23:26.540>and, <00:23:26.715>uh, <00:23:26.889>deliver <00:23:27.065>basically.

566
00:23:29.945 --> 00:23:31.725
<00:23:29.945>And <00:23:30.145>it's, <00:23:30.345>it's <00:23:30.544>really <00:23:30.745>great <00:23:30.945>that <00:23:31.145>this <00:23:31.345>is

567
00:23:32.575 --> 00:23:35.435
<00:23:32.575>at <00:23:32.715>such <00:23:32.855>a <00:23:32.995>short <00:23:33.135>period <00:23:33.275>of <00:23:33.415>time, <00:23:33.555>so <00:23:33.695>I <00:23:33.835>would've <00:23:33.975>imagined

568
00:23:35.435 --> 00:23:38.475
<00:23:35.435>that <00:23:35.575>it <00:23:35.715>maybe <00:23:35.855>takes <00:23:35.995>longer, <00:23:36.135>but <00:23:36.274>it's, <00:23:36.415>it's <00:23:36.554>great <00:23:36.695>to <00:23:36.835>hear.

569
00:23:38.935 --> 00:23:41.635
<00:23:38.935>Um, <00:23:39.090>I, <00:23:39.246>I <00:23:39.401>see <00:23:39.557>we're <00:23:39.712>almost <00:23:39.868>running <00:23:40.023>out <00:23:40.179>of <00:23:40.335>time,

570
00:23:41.695 --> 00:23:46.045
<00:23:41.695>so <00:23:41.870>I <00:23:42.044>have <00:23:42.220>some <00:23:42.395>other <00:23:42.570>questions, <00:23:42.745>um, <00:23:42.919>regarding <00:23:43.095>AI

571
00:23:46.045 --> 00:23:47.405
<00:23:46.045>and <00:23:46.351>machine <00:23:46.657>learning, <00:23:46.963>because, <00:23:47.269>um,

572
00:23:47.425 --> 00:23:49.045
<00:23:47.425>you're <00:23:47.625>also <00:23:47.825>doing <00:23:48.024>a <00:23:48.225>lot <00:23:48.425>of <00:23:48.625>things <00:23:48.825>there.

573
00:23:49.045 --> 00:23:53.775
<00:23:49.045>Yeah. <00:23:49.185>And <00:23:49.325>maybe <00:23:49.465>let's <00:23:49.605>start <00:23:49.745>with <00:23:49.885>more <00:23:50.025>of <00:23:50.165>a <00:23:50.305>personal <00:23:50.445>thing.

574
00:23:53.845 --> 00:23:55.175
<00:23:53.845>Like <00:23:54.044>you <00:23:54.244>mentioned <00:23:54.443>a <00:23:54.643>lot <00:23:54.842>of <00:23:55.042>times

575
00:23:55.175 --> 00:23:58.535
<00:23:55.175>that <00:23:55.330>developers <00:23:55.486>are <00:23:55.641>writing <00:23:55.797>code <00:23:55.952>that <00:23:56.108>they <00:23:56.263>don't <00:23:56.419>have <00:23:56.575>to,

576
00:23:58.675 --> 00:24:00.975
<00:23:58.675>so <00:23:58.850>maybe <00:23:59.024>can <00:23:59.200>elaborate <00:23:59.375>a <00:23:59.550>bit <00:23:59.725>what <00:23:59.899>you <00:24:00.075>mean

577
00:24:00.975 --> 00:24:02.055
<00:24:00.975>by <00:24:01.299>that. <00:24:01.623>Yeah, <00:24:01.947>so

578
00:24:02.775 --> 00:24:03.575
<00:24:02.775>I <00:24:02.919>guess <00:24:03.063>I've <00:24:03.207>been <00:24:03.351>talking <00:24:03.495>about

579
00:24:03.695 --> 00:24:04.575
<00:24:03.695>this <00:24:03.853>quite <00:24:04.011>a <00:24:04.170>lot <00:24:04.328>this <00:24:04.487>year.

580
00:24:04.995 --> 00:24:07.415
<00:24:04.995>One <00:24:05.135>of <00:24:05.274>the <00:24:05.415>things <00:24:05.554>that <00:24:05.695>we <00:24:05.834>see <00:24:05.975>as <00:24:06.114>companies <00:24:06.254>scale <00:24:06.395>is

581
00:24:07.415 --> 00:24:09.975
<00:24:07.415>that <00:24:07.590>obviously <00:24:07.764>the <00:24:07.940>size <00:24:08.115>of <00:24:08.290>your <00:24:08.465>code <00:24:08.639>base, <00:24:08.815>um,

582
00:24:10.285 --> 00:24:11.615
<00:24:10.285>it's <00:24:10.584>both <00:24:10.883>a <00:24:11.182>big <00:24:11.482>virtue.

583
00:24:11.715 --> 00:24:13.335
<00:24:11.715>That's <00:24:11.915>the <00:24:12.115>value <00:24:12.314>you're <00:24:12.514>providing <00:24:12.715>to <00:24:12.915>the <00:24:13.115>world,

584
00:24:13.555 --> 00:24:15.455
<00:24:13.555>but <00:24:13.695>it <00:24:13.835>also <00:24:13.975>is <00:24:14.115>something <00:24:14.255>that <00:24:14.395>starts <00:24:14.535>to <00:24:14.675>slow <00:24:14.815>you <00:24:14.955>down.

585
00:24:15.455 --> 00:24:17.255
<00:24:15.455>The <00:24:15.595>bigger <00:24:15.735>your <00:24:15.875>code <00:24:16.014>base, <00:24:16.155>the <00:24:16.294>harder <00:24:16.435>it <00:24:16.574>is <00:24:16.715>to <00:24:16.855>evolve.

586
00:24:17.715 --> 00:24:20.495
<00:24:17.715>Um, <00:24:17.855>so <00:24:17.995>something <00:24:18.135>that <00:24:18.274>we've <00:24:18.415>found <00:24:18.554>at <00:24:18.695>Stripe <00:24:18.834>is <00:24:18.975>it's <00:24:19.115>really

587
00:24:20.495 --> 00:24:22.695
<00:24:20.495>important <00:24:20.774>to <00:24:21.054>actually <00:24:21.334>help <00:24:21.614>folks <00:24:21.895>just

588
00:24:22.755 --> 00:24:23.895
<00:24:22.755>not <00:24:23.097>write <00:24:23.439>code <00:24:23.781>sometimes.

589
00:24:24.435 --> 00:24:25.735
<00:24:24.435>Um, <00:24:24.824>so <00:24:25.215>for <00:24:25.605>instance,

590
00:24:25.875 --> 00:24:30.575
<00:24:25.875>and <00:24:25.991>this <00:24:26.108>took <00:24:26.225>us <00:24:26.341>by <00:24:26.458>surprise, <00:24:26.575>we <00:24:26.691>have <00:24:26.808>a <00:24:26.925>variety <00:24:27.041>of <00:24:27.158>no <00:24:27.275>code

591
00:24:30.595 --> 00:24:31.775
<00:24:30.595>and <00:24:30.949>low <00:24:31.303>code <00:24:31.657>products.

592
00:24:32.035 --> 00:24:34.775
<00:24:32.035>Um, <00:24:32.175>so <00:24:32.315>for <00:24:32.455>instance, <00:24:32.595>you <00:24:32.735>can <00:24:32.875>bring <00:24:33.015>your <00:24:33.155>first <00:24:33.295>dollars <00:24:33.435>into

593
00:24:34.775 --> 00:24:36.055
<00:24:34.775>your <00:24:34.967>business <00:24:35.159>by <00:24:35.351>sharing <00:24:35.543>a <00:24:35.735>payment <00:24:35.927>link,

594
00:24:36.055 --> 00:24:37.415
<00:24:36.055>which <00:24:36.229>you <00:24:36.404>can <00:24:36.579>create <00:24:36.754>on <00:24:36.929>the <00:24:37.104>Stripe <00:24:37.279>dashboard,

595
00:24:37.415 --> 00:24:39.375
<00:24:37.415>and <00:24:37.555>you <00:24:37.695>can <00:24:37.835>actually <00:24:37.975>take <00:24:38.115>that <00:24:38.254>out <00:24:38.395>to, <00:24:38.534>you <00:24:38.675>know, <00:24:38.815>millions

596
00:24:39.375 --> 00:24:40.535
<00:24:39.375>of <00:24:39.583>customers <00:24:39.792>if <00:24:40.001>you <00:24:40.210>want <00:24:40.419>to.

597
00:24:40.995 --> 00:24:42.975
<00:24:40.995>Um, <00:24:41.274>you <00:24:41.554>can <00:24:41.834>have <00:24:42.114>subscriptions <00:24:42.395>managed

598
00:24:42.975 --> 00:24:45.375
<00:24:42.975>with <00:24:43.102>a <00:24:43.229>no <00:24:43.356>code <00:24:43.484>customer <00:24:43.611>portal, <00:24:43.738>and <00:24:43.865>so <00:24:43.993>on <00:24:44.120>and <00:24:44.247>so <00:24:44.375>forth.

599
00:24:45.865 --> 00:24:47.495
<00:24:45.865>These <00:24:46.145>products, <00:24:46.425>we <00:24:46.705>first <00:24:46.985>introduced <00:24:47.265>them

600
00:24:47.495 --> 00:24:50.335
<00:24:47.495>because <00:24:47.611>we <00:24:47.728>thought <00:24:47.844>that <00:24:47.961>we, <00:24:48.078>we <00:24:48.195>needed <00:24:48.311>to, <00:24:48.428>to <00:24:48.544>appeal <00:24:48.661>to <00:24:48.778>a <00:24:48.895>set

601
00:24:50.335 --> 00:24:51.695
<00:24:50.335>of <00:24:50.579>companies <00:24:50.824>that <00:24:51.069>maybe <00:24:51.314>didn't <00:24:51.559>have

602
00:24:52.055 --> 00:24:53.455
<00:24:52.055>engineers <00:24:52.370>in <00:24:52.685>their <00:24:53.000>finding <00:24:53.315>team.

603
00:24:53.795 --> 00:24:55.735
<00:24:53.795>But <00:24:53.950>what <00:24:54.106>we <00:24:54.261>find <00:24:54.417>is <00:24:54.572>that <00:24:54.728>they <00:24:54.883>actually <00:24:55.039>resonate <00:24:55.195>really,

604
00:24:55.835 --> 00:24:58.215
<00:24:55.835>really <00:24:56.185>well <00:24:56.535>with <00:24:56.885>developers <00:24:57.235>also,

605
00:24:58.215 --> 00:24:59.655
<00:24:58.215>because <00:24:58.862>every <00:24:59.511>one

606
00:24:59.655 --> 00:25:01.975
<00:24:59.655>of <00:24:59.810>those <00:24:59.966>products <00:25:00.121>is <00:25:00.277>also <00:25:00.432>backed <00:25:00.588>by <00:25:00.743>the <00:25:00.899>Stripe <00:25:01.055>API.

607
00:25:02.355 --> 00:25:05.855
<00:25:02.355>So <00:25:02.495>when <00:25:02.635>you <00:25:02.775>come <00:25:02.915>to <00:25:03.055>want <00:25:03.195>a <00:25:03.335>little <00:25:03.475>bit <00:25:03.615>more <00:25:03.755>complexity

608
00:25:05.915 --> 00:25:07.095
<00:25:05.915>or <00:25:06.091>want <00:25:06.269>to <00:25:06.446>integrate <00:25:06.623>it <00:25:06.800>more <00:25:06.977>tight

609
00:25:07.095 --> 00:25:08.255
<00:25:07.095>with <00:25:07.356>your <00:25:07.617>systems, <00:25:07.878>you <00:25:08.139>can.

610
00:25:08.835 --> 00:25:11.895
<00:25:08.835>Um, <00:25:08.990>and <00:25:09.146>you <00:25:09.301>know, <00:25:09.457>the <00:25:09.612>best <00:25:09.768>thing <00:25:09.923>about <00:25:10.079>being <00:25:10.235>able

611
00:25:11.895 --> 00:25:13.495
<00:25:11.895>to <00:25:12.095>use <00:25:12.295>a <00:25:12.495>hosted <00:25:12.695>solution <00:25:12.895>like <00:25:13.095>that <00:25:13.295>is

612
00:25:13.495 --> 00:25:16.695
<00:25:13.495>that <00:25:13.669>we <00:25:13.844>can <00:25:14.020>really <00:25:14.195>obsess <00:25:14.370>meticulously <00:25:14.544>over <00:25:14.719>the <00:25:14.895>details

613
00:25:16.715 --> 00:25:18.495
<00:25:16.715>and <00:25:16.995>optimize <00:25:17.274>the <00:25:17.554>product, <00:25:17.834>and <00:25:18.115>then

614
00:25:18.495 --> 00:25:20.015
<00:25:18.495>as <00:25:18.837>you <00:25:19.179>integrate <00:25:19.521>less <00:25:19.863>code,

615
00:25:20.015 --> 00:25:21.215
<00:25:20.015>you're <00:25:20.231>benefiting <00:25:20.447>from <00:25:20.663>all <00:25:20.879>of <00:25:21.095>that.

616
00:25:21.315 --> 00:25:23.735
<00:25:21.315>Um, <00:25:21.665>innovation, <00:25:22.015>um, <00:25:22.365>I <00:25:22.715>mean,

617
00:25:23.755 --> 00:25:26.375
<00:25:23.755>in <00:25:24.035>particular <00:25:24.315>our <00:25:24.595>hosted <00:25:24.875>payment <00:25:25.155>products,

618
00:25:26.375 --> 00:25:27.535
<00:25:26.375>so <00:25:26.583>this <00:25:26.792>is <00:25:27.001>our <00:25:27.210>payment <00:25:27.419>element

619
00:25:27.675 --> 00:25:30.295
<00:25:27.675>and <00:25:27.875>Stripe <00:25:28.075>checkout, <00:25:28.274>we <00:25:28.475>actually <00:25:28.675>find <00:25:28.875>that <00:25:29.075>compared

620
00:25:30.315 --> 00:25:32.815
<00:25:30.315>to <00:25:30.515>a <00:25:30.715>regular <00:25:30.915>checkout <00:25:31.115>integration <00:25:31.315>on <00:25:31.515>the <00:25:31.715>internet

621
00:25:32.815 --> 00:25:35.775
<00:25:32.815>or <00:25:32.955>a <00:25:33.095>raw <00:25:33.235>API <00:25:33.375>integration <00:25:33.515>with <00:25:33.655>Stripe, <00:25:33.795>we <00:25:33.935>are <00:25:34.075>actually <00:25:34.215>able

622
00:25:36.055 --> 00:25:39.375
<00:25:36.055>to <00:25:36.288>deliver <00:25:36.521>a <00:25:36.755>10.5% <00:25:36.988>revenue <00:25:37.221>uplift, <00:25:37.455>um,

623
00:25:39.635 --> 00:25:42.055
<00:25:39.635>by <00:25:39.790>doing <00:25:39.946>smart <00:25:40.101>things <00:25:40.257>like <00:25:40.412>just <00:25:40.568>making <00:25:40.723>the <00:25:40.879>flow <00:25:41.035>really

624
00:25:42.375 --> 00:25:45.055
<00:25:42.375>frictionless, <00:25:42.655>um, <00:25:42.935>automatically <00:25:43.215>resurfacing <00:25:43.495>the <00:25:43.775>payment

625
00:25:45.055 --> 00:25:46.815
<00:25:45.055>method <00:25:45.288>that <00:25:45.521>this <00:25:45.755>customer <00:25:45.988>is <00:25:46.221>most <00:25:46.455>likely

626
00:25:46.835 --> 00:25:47.975
<00:25:46.835>to <00:25:47.091>use <00:25:47.348>in <00:25:47.604>this <00:25:47.860>checkout.

627
00:25:48.275 --> 00:25:49.415
<00:25:48.275>Um, <00:25:48.446>and <00:25:48.617>so <00:25:48.788>that's <00:25:48.959>a <00:25:49.130>good <00:25:49.301>example

628
00:25:49.415 --> 00:25:50.695
<00:25:49.415>where <00:25:49.645>if <00:25:49.875>we <00:25:50.106>sweat <00:25:50.336>the <00:25:50.567>details

629
00:25:50.695 --> 00:25:51.975
<00:25:50.695>and <00:25:50.925>we're <00:25:51.155>meticulous <00:25:51.386>in <00:25:51.616>those <00:25:51.847>details,

630
00:25:52.775 --> 00:25:54.175
<00:25:52.775>everyone <00:25:52.955>else <00:25:53.135>can <00:25:53.315>get <00:25:53.495>a <00:25:53.675>lot <00:25:53.855>of <00:25:54.034>leverage.

631
00:25:54.635 --> 00:25:57.935
<00:25:54.635>So <00:25:54.751>not <00:25:54.868>writing <00:25:54.985>code <00:25:55.101>that <00:25:55.218>you <00:25:55.335>don't <00:25:55.451>need <00:25:55.568>to, <00:25:55.685>um, <00:25:55.801>has <00:25:55.918>been <00:25:56.035>a,

632
00:25:57.975 --> 00:26:00.255
<00:25:57.975>a <00:25:58.149>theme <00:25:58.324>that <00:25:58.500>we've <00:25:58.675>seen, <00:25:58.850>you <00:25:59.024>know, <00:25:59.199>super <00:25:59.375>important

633
00:26:00.275 --> 00:26:01.335
<00:26:00.275>as, <00:26:00.465>as <00:26:00.656>we <00:26:00.847>evolve <00:26:01.038>the <00:26:01.229>system.

634
00:26:01.775 --> 00:26:03.575
<00:26:01.775>I <00:26:01.930>think <00:26:02.086>AI <00:26:02.241>kind <00:26:02.397>of <00:26:02.552>plays <00:26:02.708>into <00:26:02.863>this <00:26:03.019>as <00:26:03.175>well.

635
00:26:03.755 --> 00:26:06.695
<00:26:03.755>So <00:26:04.105>really <00:26:04.455>judicious <00:26:04.805>use <00:26:05.155>of

636
00:26:07.475 --> 00:26:10.935
<00:26:07.475>AI <00:26:07.615>tools <00:26:07.754>is <00:26:07.895>helping <00:26:08.034>us <00:26:08.175>at <00:26:08.314>Stripe, <00:26:08.455>um, <00:26:08.594>get <00:26:08.735>a <00:26:08.875>lot

637
00:26:10.935 --> 00:26:12.095
<00:26:10.935>of <00:26:11.283>leverage <00:26:11.631>as <00:26:11.979>engineers.

638
00:26:12.515 --> 00:26:14.175
<00:26:12.515>Um, <00:26:12.690>and <00:26:12.865>by <00:26:13.040>the <00:26:13.215>way, <00:26:13.390>I <00:26:13.565>think, <00:26:13.740>you <00:26:13.915>know,

639
00:26:14.375 --> 00:26:15.735
<00:26:14.375>everyone <00:26:14.579>here <00:26:14.783>is <00:26:14.986>probably <00:26:15.191>fairly <00:26:15.395>well <00:26:15.599>aware.

640
00:26:16.315 --> 00:26:18.375
<00:26:16.315>All <00:26:16.490>technology <00:26:16.665>goes <00:26:16.840>through <00:26:17.015>these <00:26:17.190>kind <00:26:17.365>of <00:26:17.540>hype <00:26:17.715>cycles

641
00:26:18.375 --> 00:26:20.055
<00:26:18.375>where <00:26:18.725>the <00:26:19.075>very <00:26:19.425>beginning, <00:26:19.775>uh,

642
00:26:20.055 --> 00:26:21.655
<00:26:20.055>you <00:26:20.288>feel <00:26:20.521>like <00:26:20.755>everything's <00:26:20.988>gonna <00:26:21.221>be <00:26:21.455>solved,

643
00:26:21.655 --> 00:26:23.815
<00:26:21.655>and <00:26:21.795>then <00:26:21.935>there's <00:26:22.075>kind <00:26:22.215>of <00:26:22.355>a, <00:26:22.495>an <00:26:22.635>immediate <00:26:22.774>tail <00:26:22.915>off <00:26:23.055>of,

644
00:26:23.815 --> 00:26:25.135
<00:26:23.815>oh, <00:26:24.052>actually <00:26:24.290>maybe <00:26:24.527>not <00:26:24.765>everything's <00:26:25.003>solved.

645
00:26:25.155 --> 00:26:26.815
<00:26:25.155>And <00:26:25.388>then <00:26:25.621>you <00:26:25.855>kind <00:26:26.088>of <00:26:26.321>gradually, <00:26:26.555>uh,

646
00:26:26.815 --> 00:26:28.455
<00:26:26.815>end <00:26:26.990>up <00:26:27.165>in <00:26:27.340>this <00:26:27.515>kind <00:26:27.690>of <00:26:27.865>later <00:26:28.040>adoption <00:26:28.215>curve.

647
00:26:28.735 --> 00:26:30.415
<00:26:28.735>I <00:26:28.875>think, <00:26:29.014>you <00:26:29.155>know, <00:26:29.294>for <00:26:29.435>AI <00:26:29.574>right <00:26:29.715>now, <00:26:29.854>we're <00:26:29.995>maybe <00:26:30.135>kind

648
00:26:30.415 --> 00:26:32.615
<00:26:30.415>of <00:26:30.570>at <00:26:30.726>the <00:26:30.881>top <00:26:31.037>of <00:26:31.192>that <00:26:31.348>curve, <00:26:31.503>but <00:26:31.659>at <00:26:31.815>Stripe

649
00:26:32.915 --> 00:26:34.895
<00:26:32.915>and <00:26:33.148>personally, <00:26:33.381>what <00:26:33.615>we <00:26:33.848>very <00:26:34.081>deeply <00:26:34.315>believe

650
00:26:34.895 --> 00:26:36.575
<00:26:34.895>that <00:26:35.175>this <00:26:35.455>is <00:26:35.735>a <00:26:36.014>really <00:26:36.295>important

651
00:26:36.895 --> 00:26:38.215
<00:26:36.895>revolutionary <00:26:37.291>set <00:26:37.687>of <00:26:38.082>technologies.

652
00:26:38.715 --> 00:26:41.295
<00:26:38.715>Um, <00:26:38.948>and <00:26:39.181>we've <00:26:39.415>been <00:26:39.648>applying <00:26:39.881>generative <00:26:40.115>ai,

653
00:26:41.295 --> 00:26:44.525
<00:26:41.295>large <00:26:41.470>language <00:26:41.645>models, <00:26:41.820>um, <00:26:41.995>inside <00:26:42.170>the <00:26:42.345>company <00:26:42.520>for, <00:26:42.695>uh,

654
00:26:44.665 --> 00:26:45.725
<00:26:44.665>the <00:26:44.903>last <00:26:45.141>year <00:26:45.380>or <00:26:45.619>so,

655
00:26:46.675 --> 00:26:48.375
<00:26:46.675>and <00:26:46.955>we're <00:26:47.235>finding <00:26:47.514>it <00:26:47.794>is <00:26:48.075>helping

656
00:26:48.895 --> 00:26:50.295
<00:26:48.895>engineers <00:26:49.210>get <00:26:49.525>stuff <00:26:49.840>done <00:26:50.155>faster.

657
00:26:50.795 --> 00:26:53.975
<00:26:50.795>One <00:26:50.950>example <00:26:51.106>of <00:26:51.261>that <00:26:51.417>is, <00:26:51.572>um, <00:26:51.728>in <00:26:51.883>our <00:26:52.039>Stripe <00:26:52.195>docs,

658
00:26:53.975 --> 00:26:55.015
<00:26:53.975>which <00:26:54.130>we <00:26:54.287>put <00:26:54.443>a <00:26:54.599>lot <00:26:54.755>of <00:26:54.911>care

659
00:26:55.015 --> 00:26:56.935
<00:26:55.015>and <00:26:55.295>attention <00:26:55.575>into <00:26:55.855>over <00:26:56.135>time, <00:26:56.415>uh,

660
00:26:56.935 --> 00:26:59.535
<00:26:56.935>we <00:26:57.062>now <00:26:57.189>have <00:26:57.316>a <00:26:57.444>conversational <00:26:57.571>agent <00:26:57.698>in <00:26:57.825>beta <00:26:57.953>where <00:26:58.080>you <00:26:58.207>can <00:26:58.335>ask

661
00:27:00.135 --> 00:27:01.815
<00:27:00.135>questions <00:27:00.368>and <00:27:00.601>rather <00:27:00.835>than <00:27:01.068>having <00:27:01.301>to <00:27:01.535>go

662
00:27:01.815 --> 00:27:03.495
<00:27:01.815>and <00:27:01.990>read <00:27:02.165>all <00:27:02.340>the <00:27:02.515>different <00:27:02.690>pages <00:27:02.865>of <00:27:03.040>the <00:27:03.215>docs

663
00:27:03.495 --> 00:27:05.255
<00:27:03.495>and <00:27:03.844>synthesize <00:27:04.195>them <00:27:04.544>yourself, <00:27:04.895>um,

664
00:27:05.395 --> 00:27:08.095
<00:27:05.395>the <00:27:05.595>generative <00:27:05.795>AI <00:27:05.995>agent <00:27:06.195>can <00:27:06.395>synthesize, <00:27:06.595>um, <00:27:06.795>a,

665
00:27:08.195 --> 00:27:09.215
<00:27:08.195>you <00:27:08.378>know, <00:27:08.562>a <00:27:08.745>really <00:27:08.929>quick <00:27:09.112>answer.

666
00:27:09.275 --> 00:27:10.415
<00:27:09.275>We <00:27:09.421>think <00:27:09.568>that <00:27:09.714>saves <00:27:09.861>a <00:27:10.007>lot <00:27:10.154>of <00:27:10.301>time.

667
00:27:11.035 --> 00:27:13.855
<00:27:11.035>Um, <00:27:11.190>but <00:27:11.346>we're <00:27:11.501>also <00:27:11.657>applying, <00:27:11.812>um, <00:27:11.968>AI <00:27:12.123>throughout <00:27:12.279>a <00:27:12.435>lot

668
00:27:13.855 --> 00:27:16.935
<00:27:13.855>of <00:27:14.010>our <00:27:14.166>internal <00:27:14.321>processes <00:27:14.477>to <00:27:14.632>make <00:27:14.788>things <00:27:14.943>more <00:27:15.099>efficient, <00:27:15.255>um,

669
00:27:17.155 --> 00:27:19.455
<00:27:17.155>and <00:27:17.330>in <00:27:17.504>other <00:27:17.680>parts <00:27:17.855>of <00:27:18.030>our <00:27:18.205>product, <00:27:18.379>for <00:27:18.555>instance,

670
00:27:19.715 --> 00:27:23.415
<00:27:19.715>our <00:27:19.915>fraud <00:27:20.115>protection <00:27:20.314>system <00:27:20.514>has <00:27:20.715>a <00:27:20.915>rules <00:27:21.115>engine

671
00:27:23.415 --> 00:27:25.975
<00:27:23.415>where <00:27:23.555>you <00:27:23.695>can <00:27:23.835>write <00:27:23.975>rules <00:27:24.115>in <00:27:24.254>a <00:27:24.395>kind <00:27:24.534>of <00:27:24.675>special <00:27:24.815>syntax.

672
00:27:26.435 --> 00:27:29.015
<00:27:26.435>Um, <00:27:26.590>and <00:27:26.746>we <00:27:26.901>find <00:27:27.057>that <00:27:27.212>obviously, <00:27:27.368>you <00:27:27.523>know, <00:27:27.679>not <00:27:27.835>having

673
00:27:29.015 --> 00:27:30.375
<00:27:29.015>to <00:27:29.219>learn <00:27:29.423>a <00:27:29.627>new <00:27:29.831>syntax <00:27:30.035>is <00:27:30.239>great.

674
00:27:30.555 --> 00:27:34.095
<00:27:30.555>So <00:27:30.710>being <00:27:30.866>able <00:27:31.021>to <00:27:31.177>ask <00:27:31.332>agents <00:27:31.488>conversationally <00:27:31.643>how <00:27:31.799>to, <00:27:31.955>how

675
00:27:34.095 --> 00:27:35.935
<00:27:34.095>to <00:27:34.270>write <00:27:34.445>that <00:27:34.620>has <00:27:34.795>been, <00:27:34.970>uh, <00:27:35.145>pretty <00:27:35.320>effective <00:27:35.495>too.

676
00:27:36.235 --> 00:27:38.055
<00:27:36.235>But <00:27:36.409>the <00:27:36.584>general <00:27:36.760>approach <00:27:36.935>that <00:27:37.110>we <00:27:37.284>are <00:27:37.459>taking <00:27:37.635>here

677
00:27:38.055 --> 00:27:41.655
<00:27:38.055>inside <00:27:38.195>the <00:27:38.335>company <00:27:38.475>is <00:27:38.615>not <00:27:38.755>to <00:27:38.895>say, <00:27:39.035>let's <00:27:39.175>have <00:27:39.315>a <00:27:39.455>kind

678
00:27:41.655 --> 00:27:43.975
<00:27:41.655>of <00:27:41.830>top <00:27:42.004>down <00:27:42.180>mandate <00:27:42.355>that <00:27:42.530>we <00:27:42.705>will <00:27:42.879>use <00:27:43.055>ai.

679
00:27:43.975 --> 00:27:46.015
<00:27:43.975>We're <00:27:44.149>trying <00:27:44.324>to <00:27:44.500>make <00:27:44.675>all <00:27:44.850>the <00:27:45.024>AI <00:27:45.199>tools <00:27:45.375>available

680
00:27:46.155 --> 00:27:48.175
<00:27:46.155>to <00:27:46.504>every <00:27:46.855>engineer <00:27:47.205>at <00:27:47.555>Stripe.

681
00:27:48.435 --> 00:27:51.295
<00:27:48.435>And <00:27:48.590>then <00:27:48.746>as <00:27:48.901>we <00:27:49.057>see <00:27:49.212>them <00:27:49.368>being <00:27:49.523>used <00:27:49.679>both <00:27:49.835>internally

682
00:27:51.395 --> 00:27:53.535
<00:27:51.395>and <00:27:51.595>externally <00:27:51.795>in, <00:27:51.995>in <00:27:52.195>good <00:27:52.395>ways, <00:27:52.595>we're <00:27:52.795>kind

683
00:27:53.535 --> 00:27:55.335
<00:27:53.535>of <00:27:53.690>doubling <00:27:53.846>down <00:27:54.001>in <00:27:54.157>the <00:27:54.312>places <00:27:54.468>that <00:27:54.623>we're <00:27:54.779>seeing <00:27:54.935>success

684
00:27:55.395 --> 00:27:57.055
<00:27:55.395>and <00:27:55.675>turning <00:27:55.955>those <00:27:56.235>into <00:27:56.514>products. <00:27:56.795>Mm-Hmm.

685
00:27:57.875 --> 00:28:01.175
<00:27:57.875>And, <00:27:58.030>and <00:27:58.186>personally, <00:27:58.341>do <00:27:58.497>you <00:27:58.652>use <00:27:58.808>like <00:27:58.963>tools <00:27:59.119>like, <00:27:59.275>uh,

686
00:28:01.685 --> 00:28:03.095
<00:28:01.685>copilot <00:28:02.002>or <00:28:02.319>something <00:28:02.636>like <00:28:02.954>that?

687
00:28:03.195 --> 00:28:04.415
<00:28:03.195>Yes. <00:28:03.414>What's <00:28:03.634>your <00:28:03.853>take <00:28:04.073>on <00:28:04.293>that?

688
00:28:04.605 --> 00:28:06.175
<00:28:04.605>Yeah, <00:28:04.955>so, <00:28:05.305>um, <00:28:05.655>I <00:28:06.005>personally,

689
00:28:06.665 --> 00:28:09.095
<00:28:06.665>every <00:28:06.840>engineer <00:28:07.014>at <00:28:07.190>Stripe <00:28:07.365>is <00:28:07.540>able <00:28:07.715>to <00:28:07.889>use <00:28:08.065>copilot.

690
00:28:09.095 --> 00:28:10.735
<00:28:09.095>We <00:28:09.328>made <00:28:09.561>it <00:28:09.795>available <00:28:10.028>to <00:28:10.261>everyone, <00:28:10.495>uh,

691
00:28:10.735 --> 00:28:14.495
<00:28:10.735>earlier <00:28:10.875>this <00:28:11.014>year <00:28:11.155>we <00:28:11.294>were <00:28:11.435>part <00:28:11.574>of, <00:28:11.715>um, <00:28:11.854>GitHub's <00:28:11.995>early <00:28:12.135>beta

692
00:28:14.495 --> 00:28:15.655
<00:28:14.495>and <00:28:14.644>gave <00:28:14.793>them <00:28:14.942>a <00:28:15.091>lot <00:28:15.240>of <00:28:15.389>feedback, <00:28:15.539>which

693
00:28:15.735 --> 00:28:16.855
<00:28:15.735>I, <00:28:15.986>I <00:28:16.239>think <00:28:16.491>they <00:28:16.743>appreciated.

694
00:28:17.375 --> 00:28:19.255
<00:28:17.375>I <00:28:17.655>personally <00:28:17.935>really <00:28:18.215>enjoy <00:28:18.495>using <00:28:18.775>copilot.

695
00:28:19.395 --> 00:28:23.775
<00:28:19.395>Um, <00:28:19.535>I <00:28:19.675>find <00:28:19.815>that <00:28:19.955>it, <00:28:20.095>in <00:28:20.235>particular, <00:28:20.375>at <00:28:20.514>Stripe, <00:28:20.655>I <00:28:20.795>mentioned

696
00:28:23.775 --> 00:28:25.695
<00:28:23.775>that <00:28:23.950>we <00:28:24.125>care <00:28:24.300>a <00:28:24.475>lot <00:28:24.650>about <00:28:24.825>having <00:28:25.000>rigorous <00:28:25.175>tests,

697
00:28:26.115 --> 00:28:28.735
<00:28:26.115>and <00:28:26.270>we <00:28:26.426>find <00:28:26.581>that <00:28:26.737>writing <00:28:26.892>those <00:28:27.048>test <00:28:27.203>cases <00:28:27.359>actually <00:28:27.515>often

698
00:28:28.735 --> 00:28:29.895
<00:28:28.735>involves <00:28:28.995>a <00:28:29.256>lot <00:28:29.518>of <00:28:29.779>boilerplates.

699
00:28:29.895 --> 00:28:32.415
<00:28:29.895>So <00:28:30.070>I <00:28:30.245>find <00:28:30.420>copilots <00:28:30.595>particularly <00:28:30.770>valuable <00:28:30.945>in <00:28:31.120>test <00:28:31.295>code

700
00:28:32.485 --> 00:28:35.535
<00:28:32.485>because <00:28:32.612>it <00:28:32.739>means <00:28:32.866>that <00:28:32.994>I <00:28:33.121>can <00:28:33.248>actually <00:28:33.375>focus <00:28:33.503>my <00:28:33.630>energy <00:28:33.757>on <00:28:33.885>the,

701
00:28:35.595 --> 00:28:37.215
<00:28:35.595>the <00:28:35.770>part <00:28:35.945>that <00:28:36.120>you <00:28:36.295>have <00:28:36.470>to <00:28:36.645>like, <00:28:36.820>you <00:28:36.995>know,

702
00:28:37.215 --> 00:28:38.255
<00:28:37.215>really <00:28:37.527>think <00:28:37.839>hard <00:28:38.151>about

703
00:28:38.355 --> 00:28:40.215
<00:28:38.355>and <00:28:38.510>a <00:28:38.666>lot <00:28:38.821>of <00:28:38.977>the <00:28:39.132>boilerplate <00:28:39.288>gets <00:28:39.443>created <00:28:39.599>for <00:28:39.755>you.

704
00:28:40.735 --> 00:28:43.575
<00:28:40.735>I <00:28:40.862>also <00:28:40.989>find <00:28:41.116>it <00:28:41.244>a <00:28:41.371>really <00:28:41.498>effective <00:28:41.625>kind <00:28:41.753>of <00:28:41.880>jumping <00:28:42.007>off <00:28:42.135>point

705
00:28:43.795 --> 00:28:44.975
<00:28:43.795>for <00:28:44.326>getting <00:28:44.857>started.

706
00:28:45.315 --> 00:28:48.415
<00:28:45.315>Um, <00:28:45.470>and <00:28:45.626>then <00:28:45.781>it's <00:28:45.937>still <00:28:46.092>very <00:28:46.248>important <00:28:46.403>from <00:28:46.559>my <00:28:46.715>perspective

707
00:28:48.605 --> 00:28:50.535
<00:28:48.605>that <00:28:48.805>we <00:28:49.005>review <00:28:49.205>all <00:28:49.405>of <00:28:49.605>that <00:28:49.805>code <00:28:50.005>carefully.

708
00:28:50.735 --> 00:28:51.815
<00:28:50.735>I, <00:28:50.897>I <00:28:51.059>kind <00:28:51.221>of <00:28:51.383>think <00:28:51.545>about <00:28:51.707>it

709
00:28:51.815 --> 00:28:53.775
<00:28:51.815>as <00:28:52.048>almost <00:28:52.281>pair <00:28:52.515>programming <00:28:52.748>with <00:28:52.981>the <00:28:53.215>ai.

710
00:28:54.235 --> 00:28:56.815
<00:28:54.235>Um, <00:28:54.468>and <00:28:54.701>we've <00:28:54.935>also <00:28:55.168>integrated, <00:28:55.401>um, <00:28:55.635>some

711
00:28:56.815 --> 00:28:59.215
<00:28:56.815>of <00:28:56.970>those <00:28:57.126>AI <00:28:57.281>tools <00:28:57.437>with <00:28:57.592>our <00:28:57.748>code <00:28:57.903>review <00:28:58.059>process. <00:28:58.215>Yeah,

712
00:28:59.215 --> 00:29:00.215
<00:28:59.215>Yeah. <00:28:59.665>I <00:29:00.115>also,

713
00:29:00.215 --> 00:29:01.095
<00:29:00.215>I <00:29:00.479>also <00:29:00.743>like <00:29:01.007>it,

714
00:29:01.095 --> 00:29:02.935
<00:29:01.095>especially <00:29:01.375>when <00:29:01.655>I <00:29:01.935>learn <00:29:02.215>something <00:29:02.495>new,

715
00:29:03.295 --> 00:29:05.255
<00:29:03.295>I <00:29:03.495>think <00:29:03.695>it's <00:29:03.895>really <00:29:04.095>like <00:29:04.295>pair <00:29:04.495>programming <00:29:04.695>and,

716
00:29:05.275 --> 00:29:06.695
<00:29:05.275>and <00:29:05.594>then <00:29:05.914>trying <00:29:06.233>things <00:29:06.553>out.

717
00:29:06.715 --> 00:29:10.675
<00:29:06.715>So, <00:29:06.889>um, <00:29:07.064>yeah, <00:29:07.240>we <00:29:07.415>are <00:29:07.590>running <00:29:07.764>out <00:29:07.939>of <00:29:08.115>time.

718
00:29:10.755 --> 00:29:11.755
<00:29:10.755>I <00:29:10.980>have <00:29:11.205>so <00:29:11.430>many <00:29:11.655>questions.

719
00:29:12.055 --> 00:29:16.595
<00:29:12.055>Uh, <00:29:12.171>so, <00:29:12.288>but <00:29:12.405>I <00:29:12.521>have <00:29:12.638>to <00:29:12.755>ask <00:29:12.871>you <00:29:12.988>what's <00:29:13.105>next <00:29:13.221>with <00:29:13.338>Stripe? <00:29:13.455>So,

720
00:29:16.745 --> 00:29:19.195
<00:29:16.745>Yeah, <00:29:16.978>well, <00:29:17.211>um, <00:29:17.445>the <00:29:17.678>future <00:29:17.911>is <00:29:18.145>bright.

721
00:29:19.195 --> 00:29:20.795
<00:29:19.195>There's <00:29:19.428>a, <00:29:19.661>we're <00:29:19.895>really <00:29:20.128>just <00:29:20.361>getting <00:29:20.595>started.

722
00:29:20.925 --> 00:29:24.675
<00:29:20.925>There <00:29:21.125>is <00:29:21.325>so <00:29:21.524>much <00:29:21.725>more <00:29:21.925>online <00:29:22.125>and <00:29:22.325>online

723
00:29:24.695 --> 00:29:26.715
<00:29:24.695>and <00:29:24.850>offline <00:29:25.006>combined <00:29:25.161>commerce <00:29:25.317>to <00:29:25.472>be <00:29:25.628>done <00:29:25.783>in <00:29:25.939>the <00:29:26.095>world.

724
00:29:27.175 --> 00:29:31.155
<00:29:27.175>Um, <00:29:27.330>so, <00:29:27.486>um, <00:29:27.641>as <00:29:27.797>I <00:29:27.952>talk <00:29:28.108>to, <00:29:28.263>um, <00:29:28.419>our <00:29:28.575>users,

725
00:29:31.455 --> 00:29:35.075
<00:29:31.455>and <00:29:31.610>by <00:29:31.766>the <00:29:31.921>way, <00:29:32.077>you <00:29:32.232>know, <00:29:32.388>there, <00:29:32.543>the <00:29:32.699>AI <00:29:32.855>revolution

726
00:29:35.075 --> 00:29:36.035
<00:29:35.075>that's <00:29:35.291>happening <00:29:35.507>this <00:29:35.723>year <00:29:35.939>has

727
00:29:36.035 --> 00:29:37.075
<00:29:36.035>been <00:29:36.191>a <00:29:36.347>really <00:29:36.503>good <00:29:36.659>example <00:29:36.815>of <00:29:36.971>this.

728
00:29:37.575 --> 00:29:42.525
<00:29:37.575>We <00:29:37.702>are <00:29:37.829>powering, <00:29:37.956>I <00:29:38.084>think <00:29:38.211>75% <00:29:38.338>of <00:29:38.465>the <00:29:38.593>AI <00:29:38.720>companies <00:29:38.847>out <00:29:38.975>there,

729
00:29:42.705 --> 00:29:44.885
<00:29:42.705>um, <00:29:42.879>for <00:29:43.054>their, <00:29:43.230>for <00:29:43.405>their <00:29:43.580>commerce <00:29:43.754>companies <00:29:43.929>like <00:29:44.105>Open

730
00:29:45.105 --> 00:29:46.325
<00:29:45.105>AI <00:29:45.654>and <00:29:46.203>midjourney.

731
00:29:46.325 --> 00:29:48.605
<00:29:46.325>They're <00:29:46.480>using <00:29:46.636>us <00:29:46.791>for <00:29:46.947>kind <00:29:47.102>of <00:29:47.258>their, <00:29:47.413>their <00:29:47.569>entire, <00:29:47.725>uh,

732
00:29:48.885 --> 00:29:51.845
<00:29:48.885>commerce <00:29:49.085>stack, <00:29:49.285>but <00:29:49.485>also <00:29:49.685>European <00:29:49.885>companies <00:29:50.085>like, <00:29:50.285>uh,

733
00:29:51.965 --> 00:29:53.525
<00:29:51.965>a <00:29:52.139>LIF <00:29:52.314>Alpha, <00:29:52.490>um, <00:29:52.665>who <00:29:52.840>we <00:29:53.014>spent <00:29:53.189>a <00:29:53.365>lot

734
00:29:53.525 --> 00:29:54.565
<00:29:53.525>of <00:29:53.759>time <00:29:53.993>talking <00:29:54.227>to <00:29:54.461>recently.

735
00:29:55.065 --> 00:29:58.345
<00:29:55.065>Um, <00:29:55.298>as <00:29:55.531>these <00:29:55.765>new <00:29:55.998>companies <00:29:56.231>get <00:29:56.465>started,

736
00:29:58.885 --> 00:30:01.665
<00:29:58.885>we <00:29:59.060>really <00:29:59.235>see <00:29:59.410>just <00:29:59.585>an <00:29:59.760>extension <00:29:59.935>of <00:30:00.110>the <00:30:00.285>value

737
00:30:01.665 --> 00:30:02.705
<00:30:01.665>that <00:30:01.852>we're <00:30:02.039>providing <00:30:02.226>in <00:30:02.413>the <00:30:02.601>world,

738
00:30:02.705 --> 00:30:04.505
<00:30:02.705>which <00:30:03.054>is <00:30:03.405>abstracting <00:30:03.754>the <00:30:04.105>complexity

739
00:30:04.605 --> 00:30:06.105
<00:30:04.605>of <00:30:04.875>all <00:30:05.145>these <00:30:05.415>financial <00:30:05.685>systems <00:30:05.955>so

740
00:30:06.105 --> 00:30:07.905
<00:30:06.105>that <00:30:06.385>you <00:30:06.665>can <00:30:06.945>focus <00:30:07.225>on <00:30:07.505>doing

741
00:30:07.905 --> 00:30:09.505
<00:30:07.905>what <00:30:08.105>is <00:30:08.305>unique <00:30:08.504>to <00:30:08.705>your <00:30:08.905>business <00:30:09.105>really <00:30:09.305>well.

742
00:30:09.885 --> 00:30:12.345
<00:30:09.885>And <00:30:10.085>there's <00:30:10.285>so <00:30:10.485>much <00:30:10.685>more <00:30:10.885>potential <00:30:11.085>for, <00:30:11.285>um,

743
00:30:12.475 --> 00:30:14.585
<00:30:12.475>every <00:30:12.649>business <00:30:12.824>out <00:30:13.000>there, <00:30:13.175>whether <00:30:13.350>it <00:30:13.524>is <00:30:13.699>a <00:30:13.875>traditional

744
00:30:14.785 --> 00:30:16.905
<00:30:14.785>business <00:30:14.960>coming <00:30:15.135>online, <00:30:15.310>or <00:30:15.485>it <00:30:15.660>is <00:30:15.835>a, <00:30:16.010>you <00:30:16.185>know,

745
00:30:17.205 --> 00:30:19.825
<00:30:17.205>new <00:30:17.360>tech <00:30:17.516>innovation <00:30:17.671>that <00:30:17.827>wants <00:30:17.982>to <00:30:18.138>reach <00:30:18.293>a <00:30:18.449>global <00:30:18.605>audience.

746
00:30:20.165 --> 00:30:22.465
<00:30:20.165>And <00:30:20.340>so <00:30:20.514>we're <00:30:20.690>just <00:30:20.865>gonna <00:30:21.040>be <00:30:21.215>continuing <00:30:21.389>to <00:30:21.565>run

747
00:30:22.465 --> 00:30:24.385
<00:30:22.465>that <00:30:22.698>development <00:30:22.931>loop <00:30:23.165>of <00:30:23.398>paying <00:30:23.631>attention <00:30:23.865>to

748
00:30:24.385 --> 00:30:26.585
<00:30:24.385>what <00:30:24.585>our <00:30:24.785>users <00:30:24.985>need, <00:30:25.185>learning <00:30:25.385>from <00:30:25.585>them, <00:30:25.785>um,

749
00:30:26.605 --> 00:30:27.945
<00:30:26.605>and <00:30:26.806>building <00:30:27.007>the <00:30:27.208>products <00:30:27.408>that <00:30:27.610>they <00:30:27.811>need.

750
00:30:28.125 --> 00:30:29.225
<00:30:28.125>And <00:30:28.372>we've <00:30:28.620>got, <00:30:28.867>you <00:30:29.115>know,

751
00:30:29.535 --> 00:30:31.105
<00:30:29.535>many <00:30:29.735>decades <00:30:29.935>ahead, <00:30:30.135>I <00:30:30.335>think, <00:30:30.535>to <00:30:30.735>do <00:30:30.935>that.

752
00:30:31.645 --> 00:30:34.305
<00:30:31.645>That's <00:30:31.878>great. <00:30:32.111>David, <00:30:32.345>thank <00:30:32.578>you <00:30:32.811>very <00:30:33.045>much.

753
00:30:34.315 --> 00:30:35.425
<00:30:34.315>Thank <00:30:34.564>you <00:30:34.814>for <00:30:35.064>joining <00:30:35.313>us.

754
00:30:35.745 --> 00:30:38.745
<00:30:35.745>I, <00:30:35.872>I <00:30:35.999>have <00:30:36.126>so <00:30:36.254>many <00:30:36.381>more <00:30:36.508>questions, <00:30:36.635>so <00:30:36.763>we <00:30:36.890>have <00:30:37.017>to, <00:30:37.145>yeah,

755
00:30:38.805 --> 00:30:40.465
<00:30:38.805>we <00:30:39.038>have <00:30:39.271>to <00:30:39.505>do <00:30:39.738>another <00:30:39.971>session <00:30:40.205>sometime.

756
00:30:40.735 --> 00:30:44.785
<00:30:40.735>That <00:30:40.875>sounds <00:30:41.014>fun. <00:30:41.155>I <00:30:41.294>would <00:30:41.435>love <00:30:41.574>to. <00:30:41.715>Um, <00:30:41.854>but <00:30:41.995>Time's <00:30:42.135>up.

757
00:30:44.885 --> 00:30:48.505
<00:30:44.885>So <00:30:45.060>thanks <00:30:45.235>everyone <00:30:45.410>for <00:30:45.585>joining <00:30:45.760>us. <00:30:45.935>Um, <00:30:46.110>yeah, <00:30:46.285>thank

758
00:30:48.505 --> 00:30:49.505
<00:30:48.505>You <00:30:48.805>Thomas, <00:30:49.105>you <00:30:49.405>soon.

759
00:30:54.215 --> 00:30:56.345
<00:30:54.215>That <00:30:54.370>was <00:30:54.526>really <00:30:54.681>great. <00:30:54.837>Thank, <00:30:54.992>thank <00:30:55.148>you <00:30:55.303>both. <00:30:55.459>Thank <00:30:55.615>you.

760
00:30:56.355 --> 00:30:57.785
<00:30:56.355>Thank <00:30:56.784>you <00:30:57.213>both. <00:30:57.642>Cheers.

761
00:31:07.655 --> 00:31:09.345
<00:31:07.655>Alright, <00:31:07.855>we're <00:31:08.055>gonna <00:31:08.254>have <00:31:08.455>a <00:31:08.655>10 <00:31:08.855>minute <00:31:09.055>break

762
00:31:09.365 --> 00:31:11.745
<00:31:09.365>and <00:31:09.520>then <00:31:09.676>over <00:31:09.831>here <00:31:09.987>we're <00:31:10.142>gonna <00:31:10.298>be <00:31:10.453>talking <00:31:10.609>about <00:31:10.765>how

763
00:31:11.765 --> 00:31:16.265
<00:31:11.765>to <00:31:11.965>survive <00:31:12.165>the <00:31:12.365>worst <00:31:12.565>launch <00:31:12.765>of <00:31:12.965>your <00:31:13.165>career.

764
00:31:17.095 --> 00:31:19.185
<00:31:17.095>It's <00:31:17.250>gonna <00:31:17.406>be <00:31:17.561>with <00:31:17.717>Brenda <00:31:17.872>Romero. <00:31:18.028>It's <00:31:18.183>gonna <00:31:18.339>be <00:31:18.495>great.

765
00:31:19.405 --> 00:31:22.105
<00:31:19.405>I'm <00:31:19.532>really <00:31:19.659>looking <00:31:19.786>forward <00:31:19.914>to <00:31:20.041>it. <00:31:20.168>I <00:31:20.295>see <00:31:20.423>you <00:31:20.550>in <00:31:20.677>10 <00:31:20.805>minutes.

766
00:31:22.405 --> 00:31:22.825
Cheers.