TetraMesa

  • About Us
  • Services
  • Clients
  • Contact
  • Blog

Identity Phonership – You, Yourcellf

December 15, 2025 By Scott

First off, apologies for the bad puns in the headline. I am a dad though. So bad dad puns just come with the territory. Here, I saw a chance for a double, so had to take it.

Today it’s time to discuss some pros, cons, risks, and mitigations for the reality that our cellphones have accidentally become our gatekeepers to all manner of things digital. And often physical as well. You likely already know how integrated, (and dependent), a lot of digital activities have become on our mobile devices. But how? And what might this mean? Smartphones as identity gatekeepers has been discussed before. However, what we’re experiencing now in the mid 2020s is arguably a new level.

How did our cell phone companies become the gatekeepers of our identities?

How many things now push for multi-factor authentication via our smartphones? There’s products where it seems if you don’t have a smartphone, you’re simply not going to be able to participate. How might this play out? Do phone companies know about this? Of course. Will they try to exploit this role to just extract more fees given they’re arguably in strategically poor commodity businesses with competitive margin pressure?

Phones are no longer just credentials; they’re becoming identity custodians. Security is often thought of as three things: What you have, (such as debit card), what you know, (PIN code), and what you are, (biometrics.) With our phones we seem to have shifted from just something you have to the thing that vouches for everything else.

Recovery, coercion, or loss were not first-class design considerations.

[Read more…]

Filed Under: Marketing, Product Management, Tech / Business / General, UI / UX

Product Managers as AI Ethics Officers

December 9, 2025 By Scott

You’ve probably read about AI ethics. I want to go beyond the basics and sell you on the ROI of AI Ethics. We’re talking basic consumer and B2B issues here and more accuracy, not wider scale issues like battlefield autonomy or similar use case issues. I’ve worked on a few AI projects over the past year: one more retrieval-based (prompt/response) and another more generative (content creation with human oversight), plus some testing work. With today’s tools and vendors, you can often kick something out that seems solid pretty quickly, whether it’s a generative product or something using more traditional tools like predictive analytics. Doing it truly well, though, is sometimes orders of magnitude harder. It can be tough to justify the resources to do it right.

Here’s a cynical thought about AI ethics. Often, companies don’t really care. Actually, that’s too cynical. People may care, however, if you look at where pressure and resourcing usually go, it’s often more towards speed to market and growth, with maybe a thin layer of regulatory compliance. A few companies differentiate on quality. But most seem to be more in the feature race. “Non-functional” requirements? We’ll get to them. At some point.

This doesn’t mean everything needs to be perfect. If we waited for 100% certainty, nothing would launch. We make tradeoffs: a light/dark mode toggle is not an emergency cardiac-alert system. People get that. Especially AI, which is harder to understand and harder to control. How can we deal with these realities?

[Read more…]

Filed Under: Product Management, Tech / Business / General

Your Outage Risk Feels Less Black Swanny

November 18, 2025 By Scott

I’ve spent some time the past year on an important project, potentially life-saving for many. But if the site went down for a few hours or even a day, no one would die immediately. Maybe some revenue loss, but nothing catastrophic. What about yours? Is it mission or safety critical? Or doing so much business that a half a day is millions in loss? Not to mention the customer service issues?

Major digital outages keep happening. The Internet was designed to survive nuclear war, yet we’ve layered on centralization that increases failure risk. And it seems to be getting worse as new inflection points pile up.

[Read more…]

Filed Under: Marketing, Product Management, Tech / Business / General

Product Lessons from DeFi’s Rise

November 6, 2025 By Scott

If you follow crypto, you’ve likely noticed the rise in DeFi activity the past several months. As Traditional Finance (TradFi) evolves and co-opts parts of crypto, we’re seeing emergence of a hybrid model called Centralized Finance (CeFi) and watching what may be an inflection year. Every year seems like “the year of SOMEthing,” but with trillions finding new pathways, it seems a fair statement now. Growth of Decentralized Finance (DeFi) despite easier Central Exchange (CEX) options is telling. DeFi remains difficult and risky. Yet it’s growing as percentage of crypto activity. Some of this may be episodic, but it reveals a deeper signal about marketplace pain points: users will endure hardship just to escape worse systems. It’s a story of value over comfort, like drivers taking a pothole-filled detour to avoid a toll road they no longer trust, but there’s someplace they’ve just got to go.

[Read more…]

Filed Under: Marketing, Product Management, Tech / Business / General, UI / UX

The Composable Everything Future

October 22, 2025 By Scott

Something is happening across technology sectors creating one of those paradigm-shift moments. It’s not a single breakthrough but a convergence of pieces that have struggled to be the “next thing” on their own. Their larger use cases are emerging as they interact. Look across our shiny new tools: blockchain, crypto, and of course AI and more agentic systems. Together they’re forming connective tissue among themselves. Like generalized microprocessors once enabled hardware to be more useful and economical with flexible software, this new phase of composability could again transform speed, flexibility, and cost.

[Read more…]

Filed Under: Product Management, Tech / Business / General

Will RWA Tokenization Growth Increase Systemic Risk?

October 15, 2025 By Scott

As a product person and retail investor, I’m sensing what I would have thought is an obvious risk with Real World Assets (RWA) tokenization, but don’t see much discussion beyond esoteric finance venues. I’m a believer in blockchain and crypto opportunities. However, I prefer a more thoughtful approach than the breathless crypto maxi hype spew. With that perspective, I’d like to offer a primer for product managers and investors interested in this area. I’m trying for a deeper sense of what’s going on than, “The RWA Tokens Are Coming, Invest Before You Miss It!” Or as Darth Crypto would say, “The FOMO is Strong with This One.” Disclaimer: I’m not a finance person… these are my explorations into this world as a retail investor and digital product builder. I’d just like to help my friends and colleagues with informed choices.

[Read more…]

Filed Under: Marketing, Product Management, Tech / Business / General

How to Capture Sales / Margin by Just Being Less Bad

October 7, 2025 By Scott

Maybe it was back-to-school season or random, but in my family we’ve recently switched multiple brands, vendors, and products for reasons from quality to service to pricing. Each move had friction: annoying phone calls, returns, learning new systems. How bad does something have to be to push customers past switching cost barriers to seek alternatives? Although I’m coming from a consumer perspective with this, it all applies to B2B as well.

I’ve shared my perspective on brand loyalty before. This is now about how average or bad is more frequent. For consumers, it’s frustrating. For product leaders, an opportunity. While quality is subjective, evidence shows decline (or at least perception of decline) recently in product and service quality. Forrester’s 2024 US Customer Experience Index reports quality among brands in the U.S. is at an all-time low, declining for a third consecutive year. Then we have The American Customer Satisfaction Index (ACSI) reporting U.S. overall customer satisfaction dropping for three consecutive quarters.

What’s behind this? Execs in the Know suggests cost cutting, bad customer service bots and lack of focus on customer satisfaction. One fundamental business ratio is Lifetime Value of Customer (LTV) and Customer Acquisition Costs (CAC). Leaving aside operating costs and understanding there are variations by industry… For the LTV:CAC ratio, at 1:1 you’re breaking even, 3:1 you’re likely healthy. Below 2:1 chances are you have thin margins and below 1:1 you’re losing money. LTV:CAC is a lagging indicator because churn and retention metrics might take awhile to show.

It’s one thing to have customers you erroneously think might be happy. It’s another to have some that can’t stand you and switching cost is the only thing barely keeping them with you.

[Read more…]

Filed Under: Marketing, Product Management

Agentic & AI Business Safety for Product Managers – Part 2

October 3, 2025 By Scott

Welcome back. If you’re new here, in Part 1, I went over some basic risk categories Product Managers need to be looking out when AI is an offering component.

This follow-up will cover the items in Part 2 of the outline. My motivation for writing these articles is due running into the challenges expressed in Part 1 head first and didn’t see a lot of great article coverage. For this next part, topics are already well-covered, but I’m going to run through them as introductions anyway for the sake of completing the outline and having a cohesive package for anyone new to the area.

As with so much we deal with, these areas are evolving fast. Many areas don’t have settled answers yet, and in the case of some fairness and ethical areas, might not even have the right questions yet.

[Read more…]

Filed Under: Product Management, Tech / Business / General

Agentic & AI Business Safety for Product Managers – Part 1

September 29, 2025 By Scott

TL;DR

Following are some things I’ve been coming across as I work, (and play), with some of our new tools. These days, whatever your level in Product, chances are you’re building or at least looking at something involving Agentic workflows or AI.

Given the increasing ease of use of new tools, you’re probably working directly with them. Hint: Even if you’re a CPO or VP, if you’re not getting your hands dirty, you’re similar to the CEOs as recently as the 1990s who were proud of the fact that they didn’t use email. Is that really the box where you’d like to constrain yourself? As with so many things, you don’t likely need to be an expert here. You just need to understand what the tools in your box can do and certainly some of the risks we face. Whether as Individual Contributor (IC), or senior manager, there’s risks and basic practices you need to have on your checklist that should be table stakes. Many of us now build with Low Code No Code or are VibeCoding our way to MVPs. Great. These tools are awesome for prototyping. For production though?

Watch out.

Stop here and just ponder that thought if you like. For details… read on. (Note that some of the upcoming examples are for any product person, whereas others are for more technical PMs or their developer partners. Regardless, they should give you a sense of what kinds of things you need to check off your list.)


[Read more…]

Filed Under: Product Management, Tech / Business / General, UI / UX

PM Perspective: Is AI a Great Business?

August 12, 2025 By Scott

Introduction

Short Answer? Maybe not so much. (At least when talking about the core tech vs. specialized solutions.) This won’t be as much about AI as about category and startup creation in general. AI just happens to provide us with a great developing case to review. (At least in terms of Large Language Models (LLMs) and Generative Pre-trained Transformer (GPT) products.)

Product people need to zoom in and out. There’s so much noise around new AI features, we may forget to take a wider view. While we’re often responsible for detailed product roadmaps, some of us also do strategy and business planning. In that role, we need to think about offerings in terms of long term strategy. Rapid growth in AI LLMs / GPTs provides a case worth study in terms of new category creation. We should keep in mind that AI / ML has been around for decades. What’s interesting now is the LLM / GPT space is a great example of a Blue Ocean strategy that is perhaps only fulfilling its promise in a general way. That is, the rising tide is lifting many boats, but early pioneers might not be able to take margin advantaged positions, which should be a benefit in a new category. (If you buy the book, be sure to get the latest edition.) Even though OpenAI bust this category open, they didn’t get to a winner-take-all or even winner-take-most position.

Why?

[Read more…]

Filed Under: Marketing, Product Management, Tech / Business / General

  • 1
  • 2
  • 3
  • …
  • 10
  • Next Page »

Recent Posts

  • Identity Phonership – You, Yourcellf
  • Child Digital Threat Surface Area Roundup 2025
  • Product Managers as AI Ethics Officers
  • Your Outage Risk Feels Less Black Swanny
  • Product Lessons from DeFi’s Rise

Categories

  • Analytics
  • Book Review
  • Crypto
  • Marketing
  • Product Management
  • Tech / Business / General
  • UI / UX
  • Uncategorized

Location

We're located in Stamford, CT, "The City that Works." Most of our in person engagement Clients are located in the metro NYC area in either New York City, Westchester or Fairfield Counties, as well as Los Angeles and San Francisco. We do off site work for a variety of Clients as well.

Have a Project?

If you have a project you would like to discuss, just get in touch via our Contact Form.

Connect

As a small consultancy, we spend more time with our Clients' social media than our own. If you would like to keep up with us the rare times we have something important enough to say via social media, feel free to follow our accounts.
  • Facebook
  • LinkedIn
  • Twitter

Copyright © 2025 · TetraMesa, LLC · All Rights Reserved