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Ethan McGowan

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Ethan McGowan is a Professor of Financial Technology and Legal Analytics at the Gordon School of Business, SIAI. Originally from the United Kingdom, he works at the frontier of AI applications in financial regulation and institutional strategy, advising on governance and legal frameworks for next-generation investment vehicles. McGowan plays a key role in SIAI’s expansion into global finance hubs, including oversight of the institute’s initiatives in the Middle East and its emerging hedge fund operations.

Ethan McGowan

The Marshall Islands UBI brings short-term relief but long-term risk Cash works early, yet universal programs strain small economies Success depends on governance and timely adjustment In November 2025, the Marshall Isl

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Ethan McGowan

Health data monetization is failing because patients do not trust technology firms with sensitive medical records Turning health data into a commodity ignores consent, governance, and healthcare’s real economics Without strong safeguards and public oversight, most health data projects will keep breaking down

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Ethan McGowan

Chinese subsidies have tilted global markets in favor of state-backed firms WTO rules have failed to keep pace with this shift Fair trade now depends on coordinated reform and enforcement In the last decade, China’s indust

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Ethan McGowan

Dollar stablecoins dominate liquidity; Asian rivals will struggle Europe’s MiCA and Korea’s stalemate show rules don’t build networks Win small: target local corridors with instant bank redemption and dollar swaps In cryptocurrency m

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Ethan McGowan

Points-based immigration replaced EU free movement and filled shortages Rapid rule swings now strain universities and care services Use a public skills scorecard and align visas with training Brexit was supposed to take back contro

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Ethan McGowan

Big cities can be cheaper for global work due to urban economies of scale But congestion and housing costs strain schools first Education must be treated as city infrastructure Living in major cities often seems expensive.

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Ethan McGowan

Social media bans for children shift teens to riskier apps Use age assurance + safe defaults + measurable outcomes Make protections portable across platforms and schools Young people have already sh

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Ethan McGowan

Rising interest costs make France’s sovereign debt sustainability a school budget problem Higher defence pressure tightens the squeeze on education Italy shows credible fiscal plans can restore sovereign debt sustainability without wrecking schools

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Ethan McGowan

SB 53 is AI safety policy that also shapes U.S.

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Ethan McGowan

The Central Asia green transition will follow the fastest, cheapest supply chains The EU can lead on standards, skills, and grid readiness, even if China supplies hardware Central Asia keeps control by demanding open data and local capacity in every deal

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Ethan McGowan

China overcapacity is designed, not accidental Cheap exports depress prices and spark tariffs Teach managed markets; hedge buys; build skills In 2024, China churned out over three-quarters of the world's battery cells.

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Ethan McGowan

AI turns rumors into instant, system-wide stress Shared models and platforms cause herding and correlated errors Use timed frictions, model diversity, and critical-hub oversight The most important number in finance

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Ethan McGowan

Tariffs buy learning time but, in tight supply chains, hit households first Protection works only when narrow, temporary, and performance-tied with investment Technological hegemony comes from factories and exports; tariffs are a short clock

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Ethan McGowan

Foreign threat consolidation is binding Ukraine—and now Europe—around credible defense Budgets climb, conscription returns, and schools build civic resilience Expect wider mandatory service soon—if paired with fair pathways and legal guardrails

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Ethan McGowan

AI talking toys: brief, supervised language coaches Ban open chat; require child-safe defaults and on-device limits Regulate like car seats with tests, labels, and audits Right now, there’s something interesting happenin

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Ethan McGowan

Pyongyang supplies shells and labor to Russia Sanctions erode; nuclear recognition pressure rises Choke arms-for-oil routes; align allies The military support between North Korea and Russia isn't just a minor iss

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Ethan McGowan

Bank recapitalization can protect Main Street faster than broad firm subsidies in crises It works best when credit supply is impaired, banks are viable, and bail-ins are credible Diagnose the bottleneck; if banks are the constraint, recapitalize first to crowd in private lending

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Ethan McGowan

Moderate quakes cause deep, unpriced losses through financing gaps Price mid-risk and pre-fund rapid recovery with layered instruments Trigger cash to schools to cut spreads and speed rebuilding Earthquakes are a relentl

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Ethan McGowan

Strong laws; complex compliance stalls EU growth Simplify: one rulebook, one portal, safe patterns Tie public compute to pre-cleared controls; update annually EU’s digital rules now have teeth.

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Ethan McGowan

Japan’s chip revival must be talent-first Play niches—packaging, sensors, photonics—over a scale race Tie subsidies to audited workforce and yield outcomes The scariest number in the chip biz isn't about cash or size.

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