Cheeky Pint / episode intelligence
Speakers in the public record
Claim mix
Evidence policy
Every row below preserves an exact excerpt. Identified speakers are linked; unresolved voices are labeled and excluded from people counts.
Claim ledger
26 published records
01 / evaluation
“We’ll bring in bill payments, treasury…” We use Ramp to go power that and they can manage 10, 100, 200 clients all through one platform.”
02 / belief
“I think that we're processing over 100,000 expenses a day that are being reviewed agentically.”
03 / belief
“I think by the time we were six years and change, the company had passed over a billion a year in revenue.”
04 / observation
“I mean, I know there's a stupid law and all this complicated stuff, but the key thing is it's almost a risk management and a loyalty play for them at once. Because the problem is that they don't know how much celery to buy.”
05 / belief
“There is experimentation, I think, within certain constraints would be how I would describe the Capital One post-buying a bank versus before would be my read of it.”
06 / belief
“I think their learning curve is obviously immensely steep. And I think the speed at which, with sufficient access to the data and the procedures of a company, they're going to get there very, very fast.”
07 / commitment
“I will posit that many networks have been upgraded in place, but somehow the loose network of businesses paying each other via PDF invoices has proven very resistant to in-place upgrades.”
08 / belief
“I mean, I think the talent pool. So at Affirm, our first really good risk person, but this is true for every fintech company, it's just like, actually this is kind of cool.”
09 / belief
“I think to be really explicit, I think what's happening is the marginal cost of time, of knowledge.”
10 / belief
“I agree with Alex's macro point of, if you kind of understand counterparties, you understand more information.”
11 / belief
“I think there's a lot that makes them amazing as a company. Both the founders are excellent.”
12 / belief
“As a macro point, I think there is an incredible amount of money made by institutions who are enjoying the profit pool and sharing very little with their end customers.”
13 / belief
“Within a business, human time is incredibly expensive. I think the lean companies got this right and eliminated the bottlenecks there.”
14 / belief
“The short answer is, I think over the long duration of time, I'm kind of a bit of a crazy person.”
15 / belief
“Next, when you start to have these fine-tuned controls. This part has been I think probably the biggest lion's share of this.”
16 / belief
“I think that the national average for businesses, these are sophisticated entities with personnel.”
17 / prediction
“I think by the end of this year, the second, third, fourth, fifth lines of business will comprise and aggregate the majority of Ramp's business.”
18 / evaluation
“I think that you want to save people the maximum amount of time, the maximum amount of money that you can. But I think part of what makes us so different in this kind of world that we operate in is we have this obsession of sources of drag, of the things that slow down purchases that lead you to overspend versus other companies.”
19 / preference
“Well, because it's one of these things where you know that you don't want to just hire for intercept, you want to hire for slope.”
20 / evaluation
“So people don't know the expense policy and expenses are pretty automated. And I find this thing super interesting, in part because I don't think it really should be anyone's job to go and review people's expenses, but somehow, while it's in no one's JD, the law kind of requires everyone to waste an hour of their time every month if you're a manager.”
21 / evaluation
“Let's say it costs $5 before they didn't do it, now they can get $5 of value, but maybe the cost of it's a software type cost, maybe it's pennies of tokens to actually go and do that. That is a great business to be in because it's very high customer value.”
22 / evaluation
“What it's evolved into and I think is today probably the largest point of differentiation at the meta level between Ramp and maybe the financial service providers that we compete with is they sell money and we sell time.”
23 / preference
“Also, I love your notion of DNS for payments or for expenses. So I don’t know if you saw this, Google wanted to issue a 100-year bond.”
24 / evaluation
“Because not only can you do the narrow job better, but you can start to get at the answer of what actually is right for shareholders.”
25 / evaluation
“But I might just say, “Hey, whenever my servers… “There are corner cases, there is the proverbial power outage in San Francisco, do something differently. That's very, very different from NetSuite, which is, I have a saying that I like, “the best companies have hostages, not customers,” at least in enterprise software.”
26 / evaluation
“ere are their moats in a world where… I like Dario’s way of putting this, if you have a country of geniuses living somewhere and they're writing code and they're incentivized to compete with you, too.”