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<div style="display: none; max-height: 0px; overflow: hidden;">Credits confuse customers and undermine trust because costs are unpredictable and inconsistent. Companies should return to clear pricing. </div>
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<h1><strong>TLDR Product Management <span id="date">2025-11-18</span></strong></h1>
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<strong>Enterprise-grade <s>or</s> <em>and</em> enterprising solutions (Sponsor)</strong>
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With Marqeta, launch payments experiences without choosing between innovation and scale. <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.marqeta.com%2Fcmp%2Fno-compromise%3Futm_source=tldr%26utm_medium=newsletter%26utm_campaign=fy25q3_no_compromise%26utm_content=tldr_fintech_primary/3/0100019a96a5499c-97b61492-2676-444c-9a6a-c7b47425e597-000000/i64UASiAaFtN7XWqOXwQnPc9xBGKvjJSVnDb9XCp6No=431" rel="noopener noreferrer nofollow" target="_blank"><span>Marqeta</span></a> combines the scale and reliability of proven payments infrastructure with the flexibility and innovation of a modern platform—so you can move faster, reduce risk, and grow with confidence.
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<p>From optimizing spend and cash flow to building seamless, rewards-driven customer experiences, <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.marqeta.com%2Fcmp%2Fno-compromise%3Futm_source=tldr%26utm_medium=newsletter%26utm_campaign=fy25q3_no_compromise%26utm_content=tldr_fintech_primary/4/0100019a96a5499c-97b61492-2676-444c-9a6a-c7b47425e597-000000/znnBfJKl4p3HYq1BdKQxl62x2e22AIRRa7LDkWja-Ow=431" rel="noopener noreferrer nofollow" target="_blank"><span>Marqeta's solutions</span></a> have you covered.</p>
<p>Fuel your ambitions with a payment provider designed to grow with you. <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.marqeta.com%2Fcmp%2Fno-compromise%3Futm_source=tldr%26utm_medium=newsletter%26utm_campaign=fy25q3_no_compromise%26utm_content=tldr_fintech_primary/5/0100019a96a5499c-97b61492-2676-444c-9a6a-c7b47425e597-000000/cEMkJvI498MrOJXJ9DpoXWTOYcpzuKaYauTuCWEfI-c=431" rel="noopener noreferrer nofollow" target="_blank"><span>Learn more.</span></a>
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<div style="text-align: center;"><span style="font-size: 36px;">📱</span></div></div>
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<h1><strong>News & Trends</strong></h1>
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<strong>My beef with AI credit pricing (3 minute read)</strong>
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Credits confuse customers and undermine trust because costs are unpredictable and inconsistent across companies. When LLM costs fall, the winners will be the companies that return to clear, transparent pricing.
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<strong>Marketplaces in the Age of AI (5 minute read)</strong>
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AI is reviving failed marketplace categories by fixing unit economics and removing operational bottlenecks. Automating matching and service delivery makes these markets profitable and creates better experiences for both buyers and suppliers.
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<h1><strong>Opinions & Tutorials</strong></h1>
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<strong>All you can do is play the game (6 minute read)</strong>
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<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
“I don't know” can mean everything from apathy to insight. In a world shaped by unpredictable AI breakthroughs, the only reliable path forward is to build and learn as you go.
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<strong>Overthinker! (7 minute read)</strong>
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Oversimplification ignores reality, but complexity without action does not help anyone. Progress comes from acting, prototyping, and engaging while staying open to what the system reveals.
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<h1><strong>Resources & Tools</strong></h1>
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fmetronome.com%2Fblog%2Fmake-billing-part-of-the-product-experience%3Futm_campaign=launch-week%26utm_medium=newsletter%26utm_source=tldr-product%26utm_content=secondary/1/0100019a96a5499c-97b61492-2676-444c-9a6a-c7b47425e597-000000/MRcNandu2P_NH25rqHdMNMYEaozRLrBdseQYpETPCJM=431">
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<strong>Metronome Launch Week: Embed billing directly in your product experience (Sponsor)</strong>
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<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Customers want to know what things cost ahead of time - not when invoices land. Increase transparency and build trust with Metronome's new <a class="underline" href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fmetronome.com%2Fblog%2Fmake-billing-part-of-the-product-experience%3Futm_campaign=launch-week%26utm_medium=newsletter%26utm_source=tldr-product%26utm_content=secondary/2/0100019a96a5499c-97b61492-2676-444c-9a6a-c7b47425e597-000000/v__FYbGnfog90i_BIKB4jMHPLvxh8UiLznV9PvjqlZ0=431" rel="noopener noreferrer nofollow" target="_blank"><span>cost preview API</span></a> - showing estimates before users take action. Also announced: an embeddable billing console for self-service invoice management + proactive alerts at critical contract moments. <a class="underline" href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fmetronome.com%2Fblog%2Fmake-billing-part-of-the-product-experience%3Futm_campaign=launch-week%26utm_medium=newsletter%26utm_source=tldr-product%26utm_content=secondary/3/0100019a96a5499c-97b61492-2676-444c-9a6a-c7b47425e597-000000/mHm6RYKryE_gi1-vQGnspE9a5KL1qK9uTBvpKU6qJqI=431" rel="noopener noreferrer nofollow" target="_blank"><span>Read more.</span></a>
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<strong>How to use AI agents for marketing (7 minute read)</strong>
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AI agents only work when they sit inside real workflows and are powered by trusted data. Used this way, they can massively improve enrichment, personalization, and conversion.
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<strong>I put the 5 best AI prototyping tools to the test (41 minute read)</strong>
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AI prototyping turns PMs into rapid experimenters who can validate ideas fast and reduce wasted work. Mastering the workflow and the tools is quickly becoming a core competitive skill for 2025.
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<div style="text-align: center;"><span style="font-size: 36px;">🎁</span></div></div>
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<div style="text-align: center;"><strong><h1>Miscellaneous</h1></strong></div>
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<strong>What AI automates (2 minute read)</strong>
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AI excels at tasks that can be verified through repeatable feedback loops, which explains its rapid progress on structured problems and slower gains on creative or contextual ones.
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<h1><strong>Quick Links</strong></h1>
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<strong>Act to learn (1 minute read)</strong>
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When you are uncertain, take action anyway, because even the wrong move creates the information you need to make the right one next.
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<strong>Ship fast or fall behind (1 minute read)</strong>
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In consumer software, rapid shipping matters most because constant releases keep you close to users, help you learn what they actually want, and show you where to double down.
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