PERSON DIRECTORY
Erik Torenberg
Erik Torenberg appears in 137 indexed conversations across The a16z Show, The Cognitive Revolution. This directory brings every appearance, source, TL;DR, digest, and transcript into one searchable feed.
Why AI Agents Could Finally Reinvent the Credit Card
Erik TorenbergAlex RampellMax Levchin
Visa and Mastercard still impose a roughly 2.5-second transaction window, a roughly 60-year-old standard that limits room for antifraud and payment innovation even as agents could reopen the interface.Affirm shows where the economics are strongest: Beautylish installments lifted conversion 30%, merchants fund negative CAC, and products up to 3½ years require machine-learning underwriting, while whether consumers will delegate purchase choices remains unresolved.