Jonathan Schramm

When building a portfolio, investors are advised to diversify as much as possible, reducing the risks from unexpected shocks. This can be achieved through investing in multiple economic sectors, multiple company profiles (small, growing, mature, etc.), and multiple stock types (growth, income, defensive, etc.). But this method still leaves the risks linked to the broader […]

As medical technology progresses, more accurate and less invasive diagnostics are a constant goal. For example, the first X-ray, and then ultrasound, MRI, and other scanner technologies have made it possible to detect and assess injuries and other problems without any invasive actions. Similarly, most of the time when an observation is needed inside the […]

Concrete’s Environmental Limits: Sand Use and CO₂ Emissions Concrete has become the central material for construction over the past few decades, especially in dense urban environments. It has progressively replaced bricks, stone, and wood, thanks to its low cost, ease of use, and scalability. But it is not without issues. First, it is far from […]

In the past decade, fintech (financial technology) has been the core reason for innovation in the financial system and its evolution. This has reduced costs, improved efficiency, and created entirely new categories of financial products and services. But from the government and regulators’ point of view, fintech is often seen as a potential risk. Compared […]

Initially, the pharmaceutical industry was built on the ability to identify, isolate, and purify chemical compounds with medicinal virtues, for example, how salicylic acid found in tree bark was turned into pure Aspirin, or antibiotics initially produced by microorganisms to kill competing organisms. Later on, new chemical compounds that did not exist in nature started […]

Universities have been, since inception, centers of knowledge, equally contributing to education and to research. In the modern era, this also means that universities are a major source of technical intellectual property (IPs), especially patents. This can form an important source of revenue for universities, as well as academic researchers. This is not without creating […]

Many financial services are, at their core, information businesses. For example, an insurance company needs to have correct information about the future rate of accidents and their cost to properly identify the price at which an insurance policy will still be profitable. Similarly, lending requires properly assessing the risk of default from a given customer, […]

After years of shortages of computing hardware like GPUs and memory, and just when these shortages are easing, a new bottleneck is slowing down data center deployment: energy. This is because the new waves of data center construction are very compute-intensive and therefore also consume a lot of power. This results in the inability of […]

To support the energy transition, a mix of technological progress and policy is needed. This is because research can create cheaper and more efficient renewable energy systems, which will determine the baseline expectation for returns on capital invested in these energy generation capacities. But only a stable framework, pricing carbon emissions fairly, and equally stable […]

When it comes to the financial industry, a lot of investors’ attention in today’s markets has been on radical innovations: Bitcoin, stablecoins, fintech companies, etc. And this is partially justified, as these technologies and innovative companies have shaken an industry that had become a little too comfortable with legacy systems and decades-old inefficiencies with quicker […]