Ravi Balasubramanian

Cofounder & CEO at @SandboxBanking. Fintech nerd. Bank / Credit Union whisperer. Former commodities & FX options trader. @Penn alum

[Ravi Balasubramanian @RaviB_1]

In a world of agentic browsing, I dont want to click through a marketing email just to know that something is sold out.
Email UX will be different given how easy it is for an LLM to retrieve, collate and act on my inbox + combine with context from Obsidian/local/cloud files.

[Ravi Balasubramanian @RaviB_1]

Been waiting for Wispr Flow on Android? Win stuff on this 🎰 waitlist: https://t.co/MYPxd2Rz6c

[Ravi Balasubramanian @RaviB_1]

https://t.co/JFGianv5l1. -- 8 people bylined on this....

[Ravi Balasubramanian @RaviB_1]

@BrettKing @mikulaja @jmkendall1 Counter-counter-counter point, show me the other developed geography with ~9k existing regulated financial institutions. And if the fintech charter was so amazing, why do so many of those non-US successes still seem to be trying to enter the US market?

[Ravi Balasubramanian @RaviB_1]

@mikulaja Thanks for covering this in-depth! Like other fintech founders - wish this sh*tshow was on another Island. What do you make of the first & last paragraph using 'customer' & the middle ones using 'end-user'? Meaningful legal distinction in this instance or just sophistry?

[Ravi Balasubramanian @RaviB_1]

@adamnash @garybasin @nikitabier Was done in ssheets 20 yrs ago across assets, in Python >10yrs ago. AI for single-index tracking is 👎🏾. If instead we ask why is 'S&P500' the tracker for all? What's the 'personal' tracking portfolio / rxn funcn, requires initial/ongoing data. Machine learning should help there.

[Ravi Balasubramanian @RaviB_1]

@MrFamilyOffice @bethanyjbabcock A few of the activities you outlined are ones where tech like LLMs etc are being applied. You may find your son appreciates the business side faster if you point him at some fun tools he can use / learn about online. Then again, at 14 could be a distraction.

[Ravi Balasubramanian @RaviB_1]

@SteveChuck5 @khaslett Interesting. Have you found that the non-3/6/12 tenors are competitve in your market or are they more an option to keep sales happy?

[Ravi Balasubramanian @RaviB_1]

Dear chatGPT, help me get over Ted Lasso, by @ram_ajitha https://t.co/52aGGGhC0p -- Memorial day experiments with ChatGPT - tv show reccs ✅, restaurant/brewery/hike reccs in new city ✅, clothing brands ✅ in new city.

[Ravi Balasubramanian @RaviB_1]

@JonZanoff @AlexH_Johnson @NikMilanovic Speed to Market, Product Coverage, Cost -- pick 2 if you lucky with int devs/baas. Each Sponsor Bank had diff economics that changed hard intra-year so roadmaps are 😫. your Fintech like some cheese with it's Whine? Oh sorry, wine/cheese banks don't exist nomore - just +ve EV biz

[Ravi Balasubramanian @RaviB_1]

Didn't know there was a branch in Seattle.

[Ravi Balasubramanian @RaviB_1]

Winner for Most unique form of conference transportation I've used. #fis #fintech

[Ravi Balasubramanian @RaviB_1]

Thanks @ncino! Charlotte Year 1 has been awesome so far

[Ravi Balasubramanian @RaviB_1]

@regulatorynerd @sairarahman Good luck enforcing exclusivity.

[Ravi Balasubramanian @RaviB_1]

@regulatorynerd @aaoconnor @TBakerBroadmoor @crossriverbank Will be fun to watch the (r)evolution. The raw economics of disintermediated BaaS were 🤢 ex-VC "disruption/TAM" mindset. You win = you get to be more regulated? Try installing a new LOS, then tell me BaaS lending is 'safe'. It's not software if you gotta lobby so embarrassingly

[Ravi Balasubramanian @RaviB_1]

Specificity matters. Above is the full tsy curve not just the 5 yr.

[Ravi Balasubramanian @RaviB_1]

An older PM would teach by passing around a picture of a commodities futures/option curve. No reading or bbrg, just the curve pic and commodity name . 30mins to pitch a trade. Then look at analysis/news - educated noise as he termed it. 5 yr us tsy curve below. What does it say?

[Ravi Balasubramanian @RaviB_1]

To the Ferrari owner pumping gas at the Costco gas station at the pump behind me: you are my hero(ine). 🥰

[Ravi Balasubramanian @RaviB_1]

@Chronoo @buccocapital @atelicinvest Sap stopped being software in my parents' generation. They were having lock-in negotiations before I was born

[Ravi Balasubramanian @RaviB_1]

@commbankerguy You being serious or sarcastic? What's weird about that llpa matrix - me asking genuinely, no societal commentary intended.