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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

Reciprocal tariffs face a Supreme Court test over presidential authority They raise import prices, squeezing school budgets and families Targeted trade tools and smarter procurement beat blanket tariffs The stakes are clear and s

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Ethan McGowan

Stablecoin yields mimic Ponzi dynamics and amplify run risk Ban interest on payment tokens; regulate platforms that bolt on returns Educators and institutions should teach risks and keep payments separate from investments

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Ethan McGowan

Tiny city samples won’t close the 3.7–3.9 million-home gap Use real-time public and private data under shared standards and privacy rules Governments set rails, platforms supply feeds, and weekly human review turns signals into units

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Ethan McGowan

Europe shouldn’t ban multi-issuer stablecoins; it should backstop them Require joint redemption, a prefunded mutual buffer, and fast resolution to contain failures This builds euro-scale alternatives to dollar coins while reducing systemic risk

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Ethan McGowan

The bottleneck is investable projects, not capital Build regulated grids and education contracts that generate steady, social returns With clear rules, Southeast Asia sovereign wealth funds can turn savings into national progress

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Ethan McGowan

Mortgage rates move fast; deposit rate elasticity stays weak Most households ignore higher yields; wealthy react more but leave money Clear benchmarks, auto-sweeps, and education can raise responsiveness safely A single fi

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Ethan McGowan

AI chatfishing hides bots in dating, removing consent and raising risks Declared AI companions can help, but still need strict guardrails Require clear disclosure, platform accountability, and education to close the consent gap When

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Ethan McGowan

APEC economic cooperation keeps delivering even without a U.S.–China truce Mid-sized members drive results through trade facilitation, mobility, and digital trust Train skills; scale ABTC and CBPR. This year, there is an

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Ethan McGowan

Firms use complexity to hide true costs UK evidence shows obfuscation raises prices even with competition Standard total-price labels, algorithm-aware enforcement, and price literacy can protect consumers In the United Kingdom,

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Ethan McGowan

Deepfake NIL licensing will surge as content costs collapse Schools must use contracts and authenticity tech to protect communities Provenance and consent rebuild trust when faces become licensable assets Only three in ten U

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Ethan McGowan

Stablecoin banking—not lending apps—now drives the real contest over payment infrastructure Stablecoins move trillions monthly as regulation and instant domestic rails converge Universities should pilot cross-border stablecoin payments and teach the operational playbook

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Ethan McGowan

China’s green transition is driven by private equity, not state subsidies This market-led buildout cuts costs, lowers geopolitical risk, and is nudging emissions down Europe should use compliant Chinese solar and storage now while scaling its own niches and grids

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Ethan McGowan

Chatbots replace lists with a single voice, intensifying algorithmic gatekeeping In portal-first markets like Korea, hallucination and narrowed content threaten civic learning Mandate citations, rival answers, list-mode defaults, and independent audits in schools and platforms

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Ethan McGowan

Through 2023, trade decoupling welfare held up as flows re-routed rather than collapsed New tariffs and export controls in 2024–2025 risk delayed cost spikes and shortages by 2026 Protect education: keep open lanes, diversify sourcing, and lean on services

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Ethan McGowan

Digital ad tax won’t make users subscribe; costs are passed to advertisers and small creators Keep ads, but ring-fence a low levy to fund open education and shield SMEs with ad-credit rebates Add transparency, data portability, and a public-interest ad exchange to shift power without paywalls

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Ethan McGowan

China’s soft power problem is monetization, not creativity Shift incentives to export outcomes, licensing, and private experimentation Let partners localize, focus on proven genres, and flip the IP receipts–payments gap Chi

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Ethan McGowan

The EU can’t act like a federation with a 1–1.5% GNI budget A modest EU federal tax with conditional budgeting would fund shared projects and defuse North–South distributional fights Pair ETS/CBAM/CORE revenues with strict caps and transparency to build consent and repay common debt

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Ethan McGowan

CBDC success depends on token network effects, not cash-back incentives Merchant acceptance and interoperability tip usage Design rails and transparency—not subsidies—win The most critical fact in payments today i

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Ethan McGowan

AI works best when built for each sector’s data and goals Finance needs domain-grounded models and risk-based metrics, not generic chatbots Teach, buy, and regulate using sector-specific measures The most crucial figure in toda

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