Most interesting e-commerce experience I’ve had recently:

My glasses are getting old and beat up, but I am fine on prescription, so I go to Ye Olde Chain Shoppe.

First question: “Did you use the app last time to save your data?”
“Yes.”
“Brilliant. In that case, we will give you 5,000 yen off ($50) if you buy the glasses on the app. You have to do the data entry, but we can assist you in using the app. Or, I can do it, but $50 more expensive. Either way you pick up here in 30 minutes. Want the discount?”
“Sure, how hard can it be.”

“Not hard at all. Here are printed instructions.”

(Mad props, Tokyo retail staffer, for not even questioning whether I’d be able to read them.)
“So after you do this, the data comes to us automatically. You can leave and come back, or stay here. You’ll get a notification when it is ready.”

I start the checkout flow. It asks to pre-populate my prescription from last time. Elapsed time: 2 minutes.
30 seconds later.

Another staffer: “Patrick-san? Is that you? Great. Order came through; you can leave whenever is convenient to you and you’ll get a notification when we’re ready.”
I think this is a not-so-subtle way to train customers to do much of the work themselves, such that the staff can focus less on checkout/payments and more on sales and medical services.
(Because of compliance concerns, it is unlikely that they can e-commerce direct to your door. You can e-commerce to any of their shops though without needing to come first like I did, contingent on having a prescription up-to-date.)
Oh just checked. No, they definitely can do all-online orders if you have a prescription. In that case the business case for this writes itself, right.

There is no reason for me to need to visit the store at all next time for this transaction.
*sigh*

And because this process was definitely designed by a Japanese BigCo when I came back to put them up the same second staffer said “Sorry for this: can you write your name and number on paper so that I can check that you are the person who ordered these?”
“You’re not going to just read the QR code the app gave me?”
“Oh I already read the one on the package, but this is for your security. *winces*
“... Of course, pass me the paper please.”
“Thank you for your understanding.”
(There’s no reason whatsoever to argue with a retail employee about some silly decision made by an SI project team and a clueless PM at a meeting they were not at.)
SI = Systems integrator. Retail companies are extremely unlikely to write software in-house; they outsource to companies shaped like an ex-employer of mine who will develop software pathologically compliant with the thousand pages of specifications.

PM = project manager.

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More from @patio11

7 Nov
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Me: "Yes that is grammatically correct but would be considered a bit rude. Let's rewrite."
*we do*
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Me: "..."
Me: "I literally don't know at this point whether the stylistic choices are more Japanese salaryman or Chicagoan but trust me it will work for a native English speaker in our social class."
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7 Nov
So let me put actual numbers on something that imply transactions which will greatly impact SaaS.

Humble Bundle: $12 a month or $132 (1 month off $144) for a year.

Amex splitting a $132 bill into 12 payments, with fee included: $143.64
“What happened here?”

Humble prefers cash up front. Amex has low cost of capital. They can synthetically trade in low volume, mediated by the customer, if they convince customer to do something a bit weird.
Unsurprisingly, there is an opportunity to eliminate the middleman here.
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One of the best essays you'll read for a while.

"The most effective institutions tend to reshape society in their own image, and the more effective they are, the more profound the reshaping."
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"I will give you everything you want if you make yourself more like me."
"I hate you."
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6 Nov
My unified theory of why political preferences and efficient markets mean that you should default to expecting tight races and a high degree of disagreement, regardless of e.g. ground truths about the electorate or shifts in preferences.

A thread and commentary.
(I try to avoid committing politics in it, for the usual reasons. Mostly this is one of those "Systems are complicated but if you understand their inner logic and incentives, the world makes a lot more sense" explorations.)
"Would this change if we e.g. had a sudden directional shift in the US polity, or ditched the electoral college, or annexed a new country?"

Does new information about reality typically make markets inefficient? No, quickly adjusting to new information is what they do best.
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Explanation to parents of goals: "Teach children how to be properly polite in a transaction, get them comfortable with buying things, feel useful."
This is for kids who are extremely beginning readers and most cannot do addition/subtraction yet, so they're pre-baking all the numbers to cheat the need to do math.
A complicated topic, but a thing I love, is that Japan often considers young children capable of agency, and works to increase it.

(And then there is a switch-flips-off moment in a few years, sadly. Again, complicated topic.)
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I have enormous respect for Transferwise, which I'm a heavy user of (in personal and my-own-company capacities).

A comment on startups vs incumbents: You absolutely have the advantage implied by this tweet, but you cannot afford to estimate the advantage that is distribution.
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Be on the lookout for that.
The startup graveyard is littered with better teams that cared more than the incumbents... who couldn't collect enough margin-accretive users to pay for their customer acquisition costs, burned through their investments, and shut down.
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