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<div style="display: none; max-height: 0px; overflow: hidden;">OpenAI will pay Amazon $38 billion for computing power in a multiyear deal. OpenAI is set to generate $13 billion in revenue this year </div>
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fplaid.com%2Fthe-fintech-effect-report-2025%2F%3Futm_source=TLDR%26utm_medium=PaidNewsletter%26utm_campaign=TLDR_Paid_Newsletter_Ad_Buy%26utm_content=FintechEffect2025_primarysecond/1/0100019a4e973292-b75c79d6-0eb1-4106-8ab0-bbb715226e60-000000/ZNQj1-5UdfHjgYk286CR8JGE_aBs-Qo85TXeo6D398M=429"><img src="https://images.tldr.tech/plaid50.png" valign="middle" style="vertical-align: middle !important; height: 100%;" alt="Plaid"></a></td></tr></tbody></table>
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<h1><strong>TLDR <span id="date">2025-11-04</span></strong></h1>
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fplaid.com%2Fthe-fintech-effect-report-2025%2F%3Futm_source=TLDR%26utm_medium=PaidNewsletter%26utm_campaign=TLDR_Paid_Newsletter_Ad_Buy%26utm_content=FintechEffect2025_primarysecond/2/0100019a4e973292-b75c79d6-0eb1-4106-8ab0-bbb715226e60-000000/q2O-ZNvIszxDcINnZSulEabXy5BTJqoLt3ZNGIgajc0=429">
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<strong>How US Consumers Think About Fintech – and How to Use It to Your Advantage (Sponsor)</strong>
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For years, Plaid has collaborated with The Harris Poll to track and analyze evolving <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fplaid.com%2Fthe-fintech-effect-report-2025%2F%3Futm_source=TLDR%26utm_medium=PaidNewsletter%26utm_campaign=TLDR_Paid_Newsletter_Ad_Buy%26utm_content=FintechEffect2025_primarysecond/3/0100019a4e973292-b75c79d6-0eb1-4106-8ab0-bbb715226e60-000000/33cllpCpaqKv7EHQgJWySeaM023kA_W5NL7o9ug9Nd0=429" rel="noopener noreferrer nofollow" target="_blank"><span>consumer behaviors and expectations</span></a> around fintech. Their research has consistently shed light on which targeted innovations are most likely to lead to fintech ROI.
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<p>This year is no exception–<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fplaid.com%2Fthe-fintech-effect-report-2025%2F%3Futm_source=TLDR%26utm_medium=PaidNewsletter%26utm_campaign=TLDR_Paid_Newsletter_Ad_Buy%26utm_content=FintechEffect2025_primarysecond/4/0100019a4e973292-b75c79d6-0eb1-4106-8ab0-bbb715226e60-000000/l4amIE2SLLKCfRz964hLAJf3D1FayuW-jt6gNveSD08=429" rel="noopener noreferrer nofollow" target="_blank"><span><em>The Fintech Effect 2025</em></span></a> uncovers challenges and opportunities that will define the industry in 2026. For example: </p>
<ul>
<li>56% of consumers expect fintech to use AI</li>
<li>61% trust apps more when they use AI to prevent fraud</li>
<li>77% insist their bank be able to connect to their chosen apps</li>
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<p><a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fplaid.com%2Fthe-fintech-effect-report-2025%2F%3Futm_source=TLDR%26utm_medium=PaidNewsletter%26utm_campaign=TLDR_Paid_Newsletter_Ad_Buy%26utm_content=FintechEffect2025_primarysecond/5/0100019a4e973292-b75c79d6-0eb1-4106-8ab0-bbb715226e60-000000/hYKPxmI9PZIxayx8MRtVu7OtC504aXNztSyzellpx1Q=429" rel="noopener noreferrer nofollow" target="_blank"><span>See the full data and analysis</span></a>
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<h1><strong>Big Tech & Startups</strong></h1>
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<strong>OpenAI, Amazon Sign $38 Billion Cloud Deal (3 minute read)</strong>
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OpenAI will pay Amazon $38 billion for computing power in a multiyear deal. Amazon expects all of the computing capacity negotiated as part of the agreement to be available by the end of the year. It wasn't able to sell its cloud services to OpenAI for years because OpenAI had an exclusive cloud-computing partnership with Microsoft. OpenAI is set to generate $13 billion in revenue this year. It will have to continue expanding sales at an exponential rate to pay for its computing needs. Sam Altman claims that OpenAI is facing severe computing shortages and that revenue will grow even faster as more capacity becomes available.
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<strong>Facebook Dating Is a Surprise Hit for the Social Network (5 minute read)</strong>
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Facebook Dating debuted in 2019. The feature lets people create a free dating profile and swipe and match with other users. It has more than 21 million daily users, making it one of the most popular online dating services. Facebook Dating shows how social networking is evolving into two broad categories: content and services.
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<h1><strong>Science & Futuristic Technology</strong></h1>
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Farstechnica.com%2Fspace%2F2025%2F11%2Fa-commercial-space-station-startup-now-has-a-foothold-in-space%2F%3Futm_source=tldrnewsletter/1/0100019a4e973292-b75c79d6-0eb1-4106-8ab0-bbb715226e60-000000/e0GTkNsEagsvRpIoQnexDF6NnxCcHmQhbsAB-cDEOWo=429">
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<strong>A commercial space station startup now has a foothold in space (4 minute read)</strong>
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Vast's Haven Demo mission launched into orbit on Sunday on a SpaceX Falcon 9 rocket. After being released from the rocket, the Haven Demo spacecraft stabilized itself and extended its power-generating solar array. A link to a 4K video of the solar array deployment is available in the article. The Haven Demo will be followed by a single-module human-rated habitat called Haven-1, and then a multi-module space station complex named Haven-2.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Ftechcrunch.com%2F2025%2F11%2F02%2Falphabet-is-increasingly-launching-moonshot-projects-as-independent-companies-heres-why%2F%3Futm_source=tldrnewsletter/1/0100019a4e973292-b75c79d6-0eb1-4106-8ab0-bbb715226e60-000000/vHhW1Qc5dW8nFc0D087o2Abo3HzLUH6LBonffwezjMc=429">
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<strong>Alphabet is increasingly launching ‘moonshot' projects as independent companies — here's why (6 minute read)</strong>
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Alphabet's X Moonshot factory is increasingly spinning out its ambitious technology projects to market as independent companies rather than keeping them within the Alphabet corporate structure, because while some moonshots benefit from Alphabet's resources and scale, others can go faster and won't really benefit from being part of the company because they're too different. It uses a dedicated venture fund called Series X Capital to invest in its spinouts. The moonshot factory has a culture that celebrates killing off promising ideas. It actively looks for reasons to shut down its projects, resulting in a brutal 2% hit rate - this makes it necessary to have a fund that deeply understands its goals.
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<h1><strong>Programming, Design & Data Science</strong></h1>
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<strong>The AWS + Datadog Guide to Monitoring Containerized Applications (Sponsor)</strong>
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This ebook looks at the changing state of containers in the cloud and why orchestration technologies are essential for managing containerized workloads. Learn to track containerized AWS applications at scale, <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.datadoghq.com%2Fresources%2Faws-containers-ebook%2F%3Futm_source=tldrnewsletter%26utm_medium=newsletter%26utm_campaign=dg-infra-ww-aws-containers-tldr/2/0100019a4e973292-b75c79d6-0eb1-4106-8ab0-bbb715226e60-000000/YH35uEOChrhMYB2NJp9gyT6hKyyD_5kVjELIph6rAus=429" rel="noopener noreferrer nofollow" target="_blank"><span>monitor Amazon's ECS and EKS</span></a>, and gain comprehensive oversight across AWS container environments. <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.datadoghq.com%2Fresources%2Faws-containers-ebook%2F%3Futm_source=tldrnewsletter%26utm_medium=newsletter%26utm_campaign=dg-infra-ww-aws-containers-tldr/3/0100019a4e973292-b75c79d6-0eb1-4106-8ab0-bbb715226e60-000000/t4GY0q29ren7ky_f-RNSIUAqfPBiuRfwZErFy3vVz5U=429" rel="noopener noreferrer nofollow" target="_blank"><span>Get the ebook.</span></a>
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<strong>Rmlx (5 minute read)</strong>
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<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Rmlx is an R interface to Apple's MLX framework, which enables high-performance GPU computing on Apple Silicon. It enables R on the Mac to use the GPU, which is great for performing matrix operations commonly seen in statistics. The package was vibe-coded with Claude/OpenAI Codex in a week.
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<strong>The fetch()ening (14 minute read)</strong>
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htmx 4.0 contains three major simplifying changes: fetch() will replace XMLHttpRequest as the core ajax infrastructure, attribute inheritance will be explicit rather than implicit, and history support will no longer snapshot to the DOM and keep it locally. Most things will stay the same - except for adding an :inherited modifier on a few attributes, most htmx projects will be compatible with htmx 4.0. htmx 2.0 will remain supported in perpetuity.
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<div style="text-align: center;"><strong><h1>Miscellaneous</h1></strong></div>
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The Internet in the dial-up era was slow and untrusted, and people called it a fad and bubble - this is where AI is at now.
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