Podcast Index

Podcasts

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Complex Systems with Patrick McKenzie (patio11) Complex Systems with Patrick McKenzie (patio11) Patrick McKenzie Legally Yours Legally Yours Legal Services of North Florida The Public Lands Podcast The Public Lands Podcast Salt Lake City Public Lands The World This Hour The World This Hour Vohay The SeedPod for Kids by Starting With Jesus The SeedPod for Kids by Starting With Jesus Starting with Jesus True Cheating Wives and Girlfriends Stories 2026 - True Cheating Stories Podcast True Cheating Wives and Girlfriends Stories 2026 - True Cheating Stories Podcast True Cheating Stories 2026 Juniors For Jesus Juniors For Jesus Starting With Jesus Solved Murders - True Crime Stories Solved Murders - True Crime Stories RedditKing Historias De Terror Historias De Terror Historias De Terror The Todd Huff Show The Todd Huff Show Todd Huff Follow Jesus Radio Follow Jesus Radio Richard Templin Hancock Thomas Paine Podcast Thomas Paine Podcast mike moore Maciej Wieczorek - Expert w Bentleyu Maciej Wieczorek - Expert w Bentleyu Expertia AudioCuentos AudioCuentos Marta RD La voce del poeta La voce del poeta Lorenzo Pieri PID Radio PID Radio Derek and Sharon Gilbert Harold's Old Time Radio Harold's Old Time Radio Harolds Old Time Radio World News - رویدادهای جهان World News - رویدادهای جهان رادیو افغانستان اینترنشنال - Radio Afghanistan International KURIOUS: Strange. Unusual. Unbelievable. KURIOUS: Strange. Unusual. Unbelievable. KURIOUS: Strange and Unusual Stories Dark Mysteries — Unsolved Mysteries. Forgotten Secrets. Unanswered Questions. Dark Mysteries — Unsolved Mysteries. Forgotten Secrets. Unanswered Questions. Darkest Mysteries Online True Crime Podcast 2026 - Police Interrogations, 911 Calls and True Police Stories Podcast True Crime Podcast 2026 - Police Interrogations, 911 Calls and True Police Stories Podcast True Crime Podcast 2026 Jesus 24/7 Podcast Jesus 24/7 Podcast HavenMedia The Vault: The Epstein Files The Vault: The Epstein Files Bobby Capucci Arroe Collins The Choice The Silent Wolf Arroe Collins The Choice The Silent Wolf Arroe Collins Missing Persons Mysteries Missing Persons Mysteries Steve Stockton The Survival Podcast The Survival Podcast The Survival Podcast Toronto News Today | 2 Min News | The Daily News Now! Toronto News Today | 2 Min News | The Daily News Now! The Daily News Now! Product Management Tech Brief By HackerNoon Product Management Tech Brief By HackerNoon HackerNoon Gaming Tech Brief By HackerNoon Gaming Tech Brief By HackerNoon HackerNoon Web3 Tech Brief By HackerNoon Web3 Tech Brief By HackerNoon HackerNoon Programming Tech Brief By HackerNoon Programming Tech Brief By HackerNoon HackerNoon Alacarta ( Radio Marca Barcelona 89.1 Fm 📻 ) Alacarta ( Radio Marca Barcelona 89.1 Fm 📻 ) Radio Marca Barcelona A chaque enfant son histoire A chaque enfant son histoire A chaque enfant son histoire Boise News Today | 2 Min News | The Daily News Now! Boise News Today | 2 Min News | The Daily News Now! The Daily News Now! نقاش مونت كارلو الدولية نقاش مونت كارلو الدولية مونت كارلو الدولية / MCD AMERICA OUT LOUD PODCAST NETWORK AMERICA OUT LOUD PODCAST NETWORK AMERICA OUT LOUD PODCAST NETWORK Israel Today: Ongoing War Report Israel Today: Ongoing War Report Noa Levi
Complex Systems with Patrick McKenzie (patio11)

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Complex Systems with Patrick McKenzie (patio11)

Patrick McKenzie

The structural footprint of a bank run

July 02, 2026 1:58am 40 min

Patrick McKenzie (patio11) reads his 2023 essay "Deposit Franchises as Natural Hedges," written seven weeks into that year's banking crisis, making the case that deposit franchises are a natural hedge against interest ra...

Forty ways to pay for coffee in Japan

June 25, 2026 2:00am 35 min

Patrick McKenzie (patio11) reads his 2021 essay "Payments in Japan," tracing how Japanese consumers navigate a landscape with dozens of competing payment methods at once: credit cards, electronic money, QR-code super app...

The factory behind your home loan

June 18, 2026 2:00am 26 min

Patrick McKenzie reads from his 2022 Bits About Money essay on mortgages, making the case that a mortgage is best understood as a manufactured product, not a simple loan between a bank and a customer. He walks through th...

How brokerage transfers actually work

June 04, 2026 2:00am 43 min

Patrick McKenzie reads from his 2024 Bits About Money essay on ACATS, the Automated Customer Account Transfer Service that governs how Americans move investment accounts between brokerages, then updates it with regulator...

Wrong numbers and why they survive, with Aaron Brown

May 14, 2026 2:00am 55 min

Patrick McKenzie (patio11) is joined by Aaron Brown, author of Wrong Number, to examine why institutions that produce bad statistics face so few consequences for doing so. They trace the pattern from Aaron's 1975 summer ...

Defendant, Censor, Politico, Spy

May 08, 2026 2:12am 1:05

The improbable but true story of how non-profits operating a private intelligence agency to combat terrorism decided to interfere with campaign infrastructure in a U.S. election.This piece includes original public intere...

How the SPLC became financial infrastructure

May 01, 2026 3:15am 51 min

Patrick McKenzie reads from his latest Bits About Money essay, walking through why bank fraud charges are a prosecutor's favorite tool, how the Bank Secrecy Act's surveillance regime is designed to force criminals into i...

The honey badger of payments

April 23, 2026 2:00am 29 min

Patrick McKenzie (patio11) reads his classic Bits about Money essay on how checks shaped the entire American payments infrastructure, from the origins of ACH to why a standard US bank account is, technically, a credit pr...

Cash received is not revenue earned

April 16, 2026 2:01am 33 min

Patrick McKenzie (patio11) reads his classic Bits about Money essay explaining why revenue recognition in software is more complicated than most engineers, founders, and financial reporters think. The essay covers the ac...

Your bank balance isn’t in the bank, and other alchemy

April 09, 2026 2:01am 48 min

Patrick McKenzie (patio11) reads his classic Bits About Money essay on why your bank deposit is not what you think it is. He explains the capital stack that makes deposits appear riskless while funding genuinely risky bu...

Payroll, pins, and punch cards

April 02, 2026 2:00am 47 min

In this episode of Complex Systems, Patrick McKenzie riffs on why public sector payroll modernization is even more likely to fail than the typical public software procurement project. He then goes into a wider discussion...

Delve into compliance theatre

March 26, 2026 2:02am 56 min

Patrick McKenzie (patio11) explains how compliance regimes designed to be viral brought many more firms into the scope of frameworks like SOC 2. This created a market demand for compliance-on-the-cheap by companies like ...

Understanding consumer debt collections: the underbelly of finance

March 19, 2026 3:18am 44 min

Patrick McKenzie (patio11) reads his classic Bits about Money essay explaining why the debt collection industry earns its “river of effluvia” metaphor. From the accounting standards that force banks to "charge off" delin...

Inference engineering and the real-world deployment of LLMs, with Philip Kiely

March 12, 2026 2:00am 1:23

Patrick McKenzie (patio11) and Philip Kiely, early employee at Baseten, discuss the inference stack: the critical layer of software and hardware that sits between a model’s weights and a user’s prompt. They cover inferen...

Secrets designed to be divulged and other payment oddities

March 05, 2026 2:37am 25 min

Patrick McKenzie (patio11) deconstructs the "original sin" of payments: building a global financial substrate on shared secrets that were distributed promiscuously to function. He examines the multi-decade game of Whack-...

Understanding government procurement, with Luke Farrell

February 26, 2026 2:00am 1:20

Patrick McKenzie (patio11) and Luke Farrell examine the structural "technical imagination" gap that prevents the US government from delivering high-fidelity digital services. They discuss why states routinely pay full pr...

APIs of evil: studying fraud as infrastructure

February 12, 2026 2:00am 51 min

Patrick McKenzie (patio11) reads an essay about "industrial-scale" fraud and why it should be treated as a professional business process rather than a series of isolated accidents. He explains how fraudsters leverage spe...

Why check cashing businesses exist

February 05, 2026 2:00am 38 min

Patrick McKenzie (patio11) reads an essay about the business of check cashing, a misunderstood industry. He explains why cashing a check is actually a "new credit extension" where the bank bets on both the writer and the...

Claude Code makes several thousand dollars in 30 minutes, with Patrick McKenzie

January 29, 2026 2:01am 40 min

Patrick McKenzie (patio11) walks through a coding session with Claude Code to demonstrate what the fuss is about. The business problem: recovering failed subscription payments that required coordinating APIs across Strip...

We should stop burning pharma trials’ lab notes, with Ruxandra Teslo

January 22, 2026 2:00am 1:17

Patrick McKenzie (patio11) is joined by Ruxandra Teslo to discuss why drug development keeps getting more expensive despite revolutionary new treatment modalities from GLP-1 agonists to gene therapies. They discuss Eroom...

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