ABOUT THIS PODCAST 🔗
We live in a world where our civilization and daily lives depend upon institutions, infrastructure, and technological substrates that are _complicated_ but not _unknowable_. Join Patrick McKenzie (patio11) as he discusses how decisions, technology, culture, and incentives shape our finance, technology, government, and more, with the people who built (and build) those Complex Systems.
Hosts:
Update frequency:
weekly
Average audio length:
62 minutes
Guest interviews
Has sponsors
English
United States
110 episodes
since June 21, 2024
episodic
AUDIENCE OF THIS PODCAST 🔗
~29.63% of listeners are from United States.
🇺🇸
US
29.63%
🇨🇦
CA
26.36%
🇬🇧
GB
19.82%
🇩🇪
DE
4.43%
🇮🇳
IN
1.80%
🇫🇷
FR
1.73%
🇸🇬
SG
1.49%
🇨🇭
CH
1.26%
🇯🇵
JP
1.20%
🇦🇺
AU
1.09%
🇳🇱
NL
1.07%
🇪🇸
ES
0.98%
🇪🇬
EG
0.95%
🇵🇱
PL
0.87%
🇭🇰
HK
0.80%
🇫🇮
FI
0.51%
🇮🇪
IE
0.40%
🇻🇳
VN
0.40%
🇮🇸
IS
0.38%
🇨🇴
CO
0.34%
🇵🇹
PT
0.32%
🇹🇼
TW
0.31%
🇬🇭
GH
0.31%
🇦🇹
AT
0.25%
🇮🇹
IT
0.21%
🇸🇪
SE
0.21%
🇧🇷
BR
0.20%
🇮🇩
ID
0.18%
🇵🇭
PH
0.14%
🇿🇦
ZA
0.14%
🇷🇴
RO
0.12%
🇧🇪
BE
0.10%
Others
2.00%
* Data source: directly measured on Listen Notes. real-time
LATEST EPISODE 🔗
Patrick McKenzie (patio11) reads his 2022 Bits about Money essay on the infrastructure behind American charitable giving, prompted by the wave of AI-generated wealth expected to flow into philanthropy. He explains donor-advised funds, a chimera that is legally a charity but works for donors like a …
SEARCH PAST EPISODES
Search past episodes of Complex Systems with Patrick McKenzie (patio11).
PREVIOUS EPISODES 🔗
Patrick McKenzie (patio11) reads his 2022 Bits about Money essay "Finality does not exist in payments." It argues that how final a payment is depends on the rails, the parties, and the governing law, not on the payment method alone. He explains why the reversibility of credit cards is what made int…
Patrick McKenzie (patio11) reads his Bits about Money essay on how credit cards make money. The prompt was a listener who wondered how a card can include free travel insurance for someone who never carries a balance. He covers the four ways a card earns revenue (net interest, interchange, fees and …
Patrick McKenzie (patio11) got stranded overnight after a backhoe severed a single fiber optic cable, knocking out air traffic control across much of the eastern US. His airline declined to pay for the hotel. In this episode, he walks through who actually owes you what when air travel breaks: feder…
Patrick McKenzie (patio11) reads his Bits About Money essay "Financial systems take a holiday" (originally published February 2024), prompted by a conversation with a prior guest about how even exchanging calendars between financial institutions is hard. He explains why banks run at something close…
Patrick McKenzie (patio11) reads his Bits About Money essay on the business of wallets, with new commentary, prompted by paying his barber $100 over Venmo and wondering why PayPal so badly wants to be in the middle of that transaction. He walks through the economics that make wallets irresistible t…
Patrick McKenzie (patio11) is joined by Max Spero, co-founder and CEO of Pangram Labs, which builds models that identify AI-generated text and images. Max goes under the hood to explain how AI detection actually works. They also discuss the institutions that quietly assumed writing was expensive: c…
Patrick McKenzie (@patio11) is joined by Alex Elliott (@alexpotato), who has spent his career in SRE and operations roles at financial firms ranging from ten-person fintechs to global investment banks, to discuss what the back office actually does all day. They cover the life cycle of a trade: exec…
Patrick McKenzie (patio11) is joined by Manish Goregaokar, a senior software engineer and member of the Rust security response team, to discuss what LLMs do to the cost side of running a sophisticated con. They walk through a scam built for programmers: a plausible company, a few rounds of intervie…
In this episode, Patrick McKenzie (patio11) is joined by Misha Gurevich, CEO of Aerolamp, and Vivian Belenky, its chief scientist and a researcher at Columbia, to discuss why UVC, a wavelength of light that inactivates airborne pathogens but is absorbed harmlessly by the dead outer layer of human s…
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