#FinTech, #Banking, and #openfinance I live with 6 females and 2 female birds. #outnumbered Alum of @penn_state and @uva
Joined September 2020
- Tweets 697
- Following 571
- Followers 378
- Likes 2,580
27 Photos and videos
David Whitcomb retweeted
In recent weeks, Trump took his assault on small businesses another step further by signing an Executive Order to gut the CDFI Fund. In response, RM Maxine Waters released a fact sheet to educate the Trump Administration and members of the public on the importance of CDFIs.
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David Whitcomb retweeted
5 Mar 2025
The latest @FDICgov Quarterly Banking Profile indicates bank lending has grown for three straight quarters and banks are well positioned to continue supporting their customers and communities.
Read more: aba.social/3QBgUEM
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11 Oct 2024
Today is a win. My 18yo UVA first year just told me they want a data science minor because doing data analysis with google colab and Jupyter notebooks in an intro to DS lab was fun.
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David Whitcomb retweeted
10 Aug 2024
Anyone have a ShapeUp like framework for consulting/ professional services? Work is scoped, sure, but how you scoped and nailing the right fidelity of upfront work before building is ripe for a good makeover.
The key insight with Shape Up was to give up on software estimates entirely. Flip the script. Pick a budget but leave the scope flexible. Then ship the very best you can do within that budget. Works like magic. Great software shipped every 6 weeks. basecamp.com/shapeup
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8 Aug 2024
Pay by bank done wrong? I signed up for Sunoco Pay sometime last year when researching pay by bank experiences. Yesterday I received this - 10 pages of annual disclosures- Reg E, CCPA, GDPR, use of data, sale of data, it’s all covered. Hopefully 1033 makes this better!
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David Whitcomb retweeted
31 May 2024
We're growing faster than ever at @KnotAPIs and are hiring! Join our 40 person team and be part of Knot's exciting journey.
Explore our open roles via the link in the 🧵, and 𝐩𝐥𝐞𝐚𝐬𝐞 𝐟𝐞𝐞𝐥 𝐟𝐫𝐞𝐞 𝐭𝐨 𝐑𝐓—you'll be helping us and potentially doing your friends a favor!
To our friends—come visit our office in Flatiron!
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David Whitcomb retweeted
29 May 2024
When banks connect wire transfer capabilities to its online banking portal, consumers should receive the same types of protections from scams and unauthorized withdrawals as other electronic transfers. consumerfinance.gov/about-us…
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3 Apr 2024
Hey @SoFi - can you take the next step and tell me my account balance and any other payments that might take me negative so I don’t need to login to my app? I recognize that this would potentially lower your active user counts, but would be very useful.
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27 Mar 2024
Has anyone used MarketsAndMarkets for analysis or reporting? The report their pitching me sounds good, but I'm skeptical of quality considering this is the first I've heard of them. marketsandmarkets.com/AboutU…
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David Whitcomb retweeted
26 Jan 2024
Tenant applied to one of my units.
Checked marked everything. Sent me recent pay stubs that showed December pay. I called and verified employment. “She’s been gone since October .”
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David Whitcomb retweeted
25 Jan 2024
There's a catch...
Average auto loan rates decreased from 9.33% to 8.73% in the fourth quarter.
Sounds great, doesn't it?
Not exactly.
The decrease is largely due to stricter auto credit standards, not a reduction in overall financing rates.
Bottom line:
The current market conditions continue to disproportionately hurt consumers who are short on cash or have poor credit.
(via CDG partner: @FullpathCDXP)
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David Whitcomb retweeted
10 Oct 2022
#VCs and #startups are dealing with the reality that today’s environment is brutal compared to what it’s been like over the past few years.
The reason for the abrupt shift is that Darwin went on vacation for a few years but has finally returned.
This changes EVERYTHING! 🧵👇
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22 Jan 2024
The urgency of watching KC Chiefs games in my house is silly. Football has never been a priority. Now it is thanks to Taylor Swift. I don’t even like football that much🤷🏻♂️
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2 Nov 2023
My payday is normally on the fifth. SoFi and my local CU credited my paycheck today. Chase however…. Still waiting.
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24 Oct 2023
I know friends in banking who have been seeing repos kick up for the past 6 months. This 60 day rate is quite concerning
23 Oct 2023
Many people have asked me to why I haven’t commented on the concerning auto loan data that just came out.
In case you haven’t heard…
The percentage of subprime auto borrowers 60 days past due on loans hit a record 6.1% in September.
This marked the highest delinquency rate of all time (above the 6.0% peak in 1994 and 5.0% in 2008).
Truthfully, it’s taken me a couple days to digest. I’m concerned.
But my concerns go way beyond the car market.
I’m concerned about people that are struggling to keep up with their bills.
I’m concerned about families that will lose their means of transportation.
I’m concerned about our economy.
Most of all, i’m concerned about the future of our country.
I wish I could post about improving loan performance, fiscal discipline or a positive outlook — but that just isn’t the case right now.
I’m an optimist by nature — deep-down I believe there is a way out of this mess — but I’d be lying if I said the trends aren’t keeping me up at night right now.
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20 Oct 2023
1. I hope this is a real story.
2. Be the library employee and the person finding the wallet. Do the right thing.
Do good.
20 Oct 2023
A little story for a wet Friday night. Near my house I found a wallet in the road. When opening it I found a bank card, some cash, a library and a youth club card. And also a front door key. The person who dropped it is 14 and could be locked out so I set out to find him….1/6
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In the light of what’s happened in Israel and Gaza, a song about non-violence seems somewhat ridiculous, even laughable, but our prayers have always been for peace and for non-violence…
But our hearts and our anger, you know where that’s pointed. So sing with us… and those beautiful kids at that music festival…
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David Whitcomb retweeted
6 Oct 2023
I tell every new fintech company: your first customers will actually be fraudsters, they are much better at finding and exploiting new fintech companies than real users!
(whole post is excellent)
6 Oct 2023
We had a turbulent last few years at @braid_app, and shut it down for good in Sept '23. I wrote a post-mortem and found I had A LOT to say about the past few years in fintech/payments. Enjoy!
Braid is Dead, Long Live Braid
amandapeyton.com/blog/2023/1…
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David Whitcomb retweeted
6 Oct 2023
We’re likely less than a month out from the CFPB releasing its rules for data sharing under Dodd-Frank 1033.
Here are the 8 questions about the future of open banking that are on my mind.
(click the picture!)
workweek.com/2023/10/06/8-qu…
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