About the modern financial infrastructure that the world sits atop of.

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I write roughly biweekly on the intersection of tech, financial infrastructure, and systems thinking. It's free.

Recent editions of BAM

The business of check cashing

Check cashing, as a business, is a poorly understood "alternative" financial service.

Payroll providers, Power, Respect

Payroll processors exist to provide financial infrastructure and because political economy is complicated.

The Long Shadow of Checks

A lot of more modern financial infrastructure follows the paths blazed by checks, at least in the U.S.

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