umar ahmed

product researcher | internet money

[umar ahmed @notumar_]

never forget

[umar ahmed @notumar_]

crying

[Ewgi @Ssaasquatch]

Will stop sharing my portfolio with the public cos evil eyes might be an actual thing on god

[kmoney @kmoney]

in 2000, @saylor was the laughing stock of wall street after losing $6B of investors money.

but he didn’t quit.

he spent the next 26 years of his life retard maxxing and found a new way to run it back and achieve an even bigger loss of investors money.

inspirational 💯

[umar ahmed @notumar_]

@ahmxrd 💯

[umar ahmed @notumar_]

SaaS isn’t dead

[Eric Glyman @eglyman]

Introducing Stack.

The AI operating system that lets accounting firms take on more clients without hiring. Learns your firm's process, runs the close, posts the journals. Fully auditable.

We’re living through the biggest shift in accounting since the spreadsheet.

[Nottingham Forest @NFFC]

Robbo. ❤️

[umar ahmed @notumar_]

👇

[E @Ellis_]

Being a hater requires a lot of patience, but it’s always worth it in the end.

[umar ahmed @notumar_]

The magnitude of this hatewatch>>>

I’m inspired by all my fellow haters worldwide. What a successful hatewatch 😂😂😂😂

[Chelsea FC @ChelseaFC]

Come and visit London’s Home of Trophies. 🏆

Book your Stadium Tour at Stamford Bridge now. ⭐️⭐Come and visit London’s Home of Trophies. 🏆

Book your Stadium Tour at Stamford Bridge now. ⭐️⭐Come and visit London’s Home of Trophies. 🏆

Book your Stadium Tour at Stamford Bridge now. ⭐️⭐Come and visit London’s Home of Trophies. 🏆

Book your Stadium Tour at Stamford Bridge now. ⭐️⭐Come and visit London’s Home of Trophies. 🏆

Book your Stadium Tour at Stamford Bridge now. ⭐️⭐Come and visit London’s Home of Trophies. 🏆

Book your Stadium Tour at Stamford Bridge now. ⭐️⭐️

[-valar morghulis- @eldivine]

If Arsenal win this, I’m giving out $2,000 to customers on @HisaApp.

$1,000 to 10 Nigerians
$1,000 to 10 Kenyans.

You must be signed up and verified to qualify.

[umar ahmed @notumar_]

@leyeConnect Happy birthday brother have a great day! ❤️

[umar ahmed @notumar_]

The hardware scene in Abuja is interesting to watch

[OmeifeTech @OmeifeTech]

To the Nigerian hardware engineering community: The days of waiting weeks for foreign PCB prototypes are officially over.

We’re manufacturing multi-layer boards from scratch at Omeife Robotics. Local execution = faster innovation.

What are you building next? Come talk to us!

[Bruno Fernandes @B_Fernandes8]

how can I assist you? ☕

[umar ahmed @notumar_]

Ferrari *deep sigh from the bottom of my heart

[umar ahmed @notumar_]

Ha

[Andrej Karpathy @karpathy]

Personal update: I've joined Anthropic. I think the next few years at the frontier of LLMs will be especially formative. I am very excited to join the team here and get back to R&D. I remain deeply passionate about education and plan to resume my work on it in time.

[Mitchell Hashimoto @mitchellh]

I strongly believe there are entire companies right now under heavy AI psychosis and its impossible to have rational conversations about it with them. I can't name any specific people because they include personal friends I deeply respect, but I worry about how this plays out.

I lived through the great MTBF vs MTTR (mean-time-between-failure vs. mean-time-to-recovery) reckoning of infrastructure during the transition to cloud and cloud automation. All those arguments are rearing their ugly heads again but now its... the whole software development industry (maybe the whole world, really).

It's frightening, because the psychosis folks operate under an almost absolute "MTTR is all you need" mentality: "its fine to ship bugs because the agents will fix them so quickly and at a scale humans can't do!" We learned in infrastructure that MTTR is great but you can't yeet resilient systems entirely.

The main issue is I don't even know how to bring this up to people I know personally, because bringing this topic up leads to immediately dismissals like "no no, it has full test coverage" or "bug reports are going down" or something, which just don't paint the whole picture.

We already learned this lesson once in infrastructure: you can automate yourself into a very resilient catastrophe machine. Systems can appear healthy by local metrics while globally becoming incomprehensible. Bug reports can go down while latent risk explodes. Test coverage can rise while semantic understanding falls. Changes happens so fast that nobody notices the underlying architecture decaying.

I worry.

[Tim He @thetimhe]

ranking fintech business models by durability:

1. lending (if your u/w is legit)
2. payments (if you own the rails)
3. saas (if you're essential for a workflow)
4. interchange-driven cards (good until it isn't)
5. neobanks built on someone else's bin (one regulatory letter from cooked)

[eric @defyneric]

the entire neobank boom is basically:

virtual ach accounts + crypto cards

get APIs from @iron, @raincards, @wirexapp and you‘be built a “neobank”

next step is distribution

(where 99% of neobanks get stuck on)

[umar ahmed @notumar_]

Millenials finding out they're the new adults is the funniest thing ever

[Rory O'Reilly @RoryOReilly]

I’m excited to have guest written an essay in this week's Fintech Biz Weekly by @mikulaja on what I believe is the next major layer in payments.

Sharing an excerpt below👇 - full essay, along with Jason’s latest work, is in the comments:

Payments has had two great infrastructure eras.

The first was the network era. American Express was founded in 1850. Visa traces its roots to BankAmericard in 1958. Mastercard began as the Interbank Card Association in 1966. Over decades, these companies built the rails that move money between banks, merchants, and consumers.

The second was the bank connectivity era. Finicity, a Mastercard Company and Yodlee were both founded in 1999. MX came in 2010. Plaid followed in 2013. That generation made bank accounts readable, programmable, and usable inside modern software. Without that layer, most fintech apps would still be asking users to confirm micro deposits, or manually prove their financial lives.

Those two layers are now obvious. They have standards, incumbents, regulators, public companies, major exits, and strategic importance across the entire financial system.

But the next layer is already taking shape, despite being under-discussed: the layer where the consumer–merchant relationship actually lives.

It sits between consumers and the merchants they interact with every day. Not just when they pay, but when they buy, return, update credentials, subscribe, cancel, reorder, redeem rewards, track deliveries, manage travel, change preferences, and maintain the digital relationships that increasingly define modern commerce.

I call it the merchant connectivity layer.

[N Bot. @ConfusedSith]

Complaining about white VCs who you do not share a skin colour, culture or network with backing their own.

While your fellow African VCs are doing nothing.

The audacity and entitlement is strong.