In Good Company • former fintech exec, current open banking persister • former corporate director, current board governance wonk

Toronto
Joined January 2007
Andrew Escobar retweeted
When I advised Quantum Bridge in 2020, they stopped pitching quantum networking and focused on securing infrastructure from quantum computing. Turns out the real threat arrived much earlier. Accelerated computing is breaking the internet and it will break classical encryption.
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Andrew Escobar retweeted
SCOOP: Major U.S. banks are detecting unauthorized third-party AI agents inside customer accounts, including some attempting to take actions that appear to be independent of user instructions, sources told Axios. The findings have alarmed banking executives, who are racing to restrict access to their systems as AI moves at a velocity faster than financial institutions can respond, multiple industry and bank executives told Axios. Several banks are now preparing for worst-case and even “day after” scenarios, including how to rapidly secure or restore customer accounts if things go wrong, the people said. Several bank executives told Axios they're struggling to distinguish between human users and AI agents. One executive said banks also struggle to determine whether agents are authorized by customers or potentially operating without their permission, more akin to rogue agent behavior. Read my latest for Axios here: axios.com/2026/10/22/ai-agen…
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Andrew Escobar retweeted
1/ Banks are tokenizing money across three architectures: • Tokenized deposits: bank keeps legal record • Deposit tokens: legal record onchain. • Tokenized central bank reserves: reserve deposits onchain for interbank settlement.
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Andrew Escobar retweeted
“The notion that Quebecers do not associate the PQ with good government is a misguided notion.” Chantal Hébert has a reminder for Quebec separatists: picking fights with Ottawa doesn’t build support for sovereignty or majority governments. Parti Québécois won a minority government with only 28% of the vote. The road to a majority doesn’t run through conflict with the federal government, especially when Mark Carney is twice as popular in Quebec as the incoming premier. Quebecers may be unhappy with a court ruling or a fight over immigration, but that doesn’t necessarily turn into votes for sovereignty. Quebecers reward good government. René Lévesque’s 1977 law limiting party donations to individual voters became a model for federal rules. He lost the 1980 referendum, but won a bigger majority in 1981 because voters trusted him to govern. Pauline Marois’s childcare program, launched in 1997 under Bouchard, became the model for the federal childcare program. Marois’ PQ won a minority in 2012, but squandered the opportunity and lost in 2014. After the 1995 referendum, Lucien Bouchard won a majority of seats in 1998 while losing the popular vote. Liberals’ Clarity Act was smart politics but it was also responsible government: rules for session, a clear question, a clear majority. Bouchard expected the Act to provoke Quebecers and revive the sovereignty movement. He responded with grandstanding and Bill 99: Quebecers alone would decide, 50% plus one was enough. Liberals did better in Quebec in the 2000, the sovereignty movement stalled, and Bouchard resigned.
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Andrew Escobar retweeted
I had never seen hockey like this until today: U18 AA, Clarington (Ontario) vs. Collège Sainte-Anne (Quebec) 41 penalties • 189 penalty minutes 1 major, head contact 9 unsportsmanlike 2 game misconducts 2 gross misconducts 27 minors gamesheetstats.com/seasons/1…
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Andrew Escobar retweeted
this is what ai native actually means
the right way to use model capabilities is not to ship 10x more features to prod it's to spend more time understanding your users, trying experiments, building prototypes, learning about things you don't understand so that you can ship things that actually work
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Andrew Escobar retweeted
Look, we are a reasonable people, and we love our team — the only NFL team in neighbouring New York — but if the haters don’t stop complaining, we will add “God Save the King” too.
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Andrew Escobar retweeted
iOS 27 and macOS Golden Gate have private hooks that let apps add Siri Extensions and replace Siri AI’s server backend with third-party models. First, here’s Claude running as a Siri Extension using the Model Delegation API in App Intents. Claude can appear in Siri’s “Ask…” menu and supports the same underlying flow as the built-in ChatGPT extension. In some cases, Siri Extensions can be more powerful than Siri AI. For example, Siri can’t create a CSV, but Claude can easily return one when asked. When system interaction is required, such as setting a reminder, Claude can relay the original or a modified request back to Siri, which completes the request. Requires the private com\.apple.developer.model-delegation entitlement. (1/2)
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Andrew Escobar retweeted
Public Service Announcement: Google Maps will only show “Lake Ontario” in your embedded maps if you set region=CA explicitly. If you don’t, Google Maps defaults to region=US and the worldview of man with a sharpie in his tiny hand. lakeontario.andrewe.dev
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Andrew Escobar retweeted
Scott Bessent’s comments about Canada today were arrogant, demeaning and contemptuous. The gratuitous mocking of one of America’s largest customers and closest allies was out of line. Serious disagreements deserve serious statesmanship — not cheap insults. cbc.ca/news/politics/bessent…
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Andrew Escobar retweeted
The name Lake Ontario comes from the Wendat word Ontari’io, which, appropriately, means “the lake is beautiful, the lake is big”. The name is more than 400 years old, predating both the Confederation of Canada and the Declaration of Independence of the United States of America. We know that America is changing. Their trading relationships, their foreign policies, their national monuments, their hydronyms. Canadians also know that naming reality means calling it Lake Ontario – then, now and always.
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Compliance cost is the only real moat left in fintech. Every product feature gets copied in 6 months. Distribution gets arbitraged. But the company that can onboard a regulated customer for $40 instead of $400 compounds that advantage every single quarter.
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Andrew Escobar retweeted
At a small business, the person closest to a problem is often the one who has to solve it—even when it falls outside their job description. We studied how AI is becoming powerful generalist tool for small teams, helping them work across functions.
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Andrew Escobar retweeted
A day later and I feel even more confident in this: Siri is going to be the AI that most consumers end up using most of the time (if they have an iPhone). It's the AI you have with you, with access to everything. And yes, it's finally good enough. spyglass.org/siri-ai/
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Andrew Escobar retweeted
Venture capital in Canada is very simple. We’ll back American companies swinging for the fences, watch them turn into monsters, then come home and treat a Canadian founder raising a normal seed round like they asked to buy NASA. Best we can do is $10K, 11 meetings, and a full exit strategy for a product that launched Tuesday.
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Andrew Escobar retweeted
This is not controversial. Invest in Canadians doing things that make canada competitive.
Using pension funds to help grow Canadian unicorns ≠ protecting unproductive companies 🇨🇦 @EliotPence broke it down last week during #TorontoTechWeek Homecoming 👇
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Andrew Escobar retweeted
the toronto blue jays are a truly insane baseball team. wdym half ur team is injured, you’ve got some random guy pitching, but you’re winning because a guy named charles mcadoo got a home run in his first mlb game
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