Jonathan Schramm

The modern financial system rests on a simple premise: publicly traded companies can be owned by anyone with a brokerage account, and shareholders can elect directors and vote on major corporate matters, helping hold management accountable.In practice, this is rarely that clear-cut. For one, many shareholders do not bother to use their voting rights, especially […]

A cardinal point in almost all guides teaching investing is the importance of diversification. The key reason is that markets are inherently unpredictable, at least to some extent, and spreading a portfolio across multiple asset classes and types of investments reduces the risk of a catastrophic loss.So it is often assumed that diversification is always […]

In recent years, delivering enough computing power has become a key metric for developed economies managing the transition to AI-driven economic activity. The same compute capacity is also in high demand for Bitcoin mining, as digital currencies have become a central pillar of modern finance.The two activities are interconnected, as the same parallel compute capacity […]

When discussing AI’s impact on the economy, public discussion tends to focus on IT-related jobs (programming, digital artists, etc.), white-collar professions (lawyers, doctors), or scientific research. However, this might be missing important applications that will have transformative effects on entire industries.In general, AI will likely improve productivity the most where it can directly optimize physical […]

The emergence of more and more competent AI has created massive, and justified, anxiety among many workers about being replaced by automation. This pressure is especially present in service jobs and white-collar jobs that have so far been mostly protected from pressure from automation (compared to manufacturing, for example).Meanwhile, robotics, also sometimes merged with the […]

When it comes to mining metals, some of the investing public’s attention goes to industrial metals, from the massive production volumes of iron and aluminum to the more niche products like tungsten, platinum, rhenium, rhodium, or uranium (follow the links for a detailed investment report on each of these metals).One metal, however, tends to catch […]

Access to financing and financial literacy are some of the most important factors in empowering marginalized groups, especially in developing economies. This is why financial literacy programs and innovative FinTech that can deliver access to finance are essential to boost the development of such economies and reduce social inequality. However, access to finance and education […]

Energy is the lifeblood of industrial civilization, and a stable, large supply of power is becoming even more important due to the trend of electrification (transport, heating, industrial processes) and the demand from AI data centers. This can be a problem, as still around 80% of global primary energy sources are carbon-emitting, like oil, gas, […]

As AI technology develops and gets integrated into business practice and decision-making, several questions arise. The first one is, of course, the question of reliability, with the “hallucinations” of early versions of LLMs having durably impacted users’ trust in the truth of data provided by AIs, even if the issue is generally less prevalent in […]

The central concept of fintech (financial technology) companies is to improve transactions, payments, loans, etc., mostly by bringing IT technologies and new methods to the financial industry. This can quickly run into regulations that have been established for larger institutions, sometimes even conceived back when most financial transactions passed through a physical paper trail. As […]