Finance

AI capital is being miscounted, shrinking the economy on paper Hidden AI assets distort policy, funding, and skills planning Fixing measurement is now a growth and governance priority Currently, most official economic reports treat

Minimum wages insure routine workers inside firms Shocks tend to push adjustment onto high-skill jobs Policy must pair the firm-level minimum wage with portable support for talent The increase in South Korea's statutory minimum wage during the late 2010s and early 2020s provides an opportunity to examine how minimum wage laws affect businesses. According to the International Labour Organization, the minimum monthly wage in South Korea in 2017 was 1,352,230 KRW, rather than the previously stated figure.

AI-driven automation is shrinking both labor and consumption tax bases A robot tax is becoming a practical fiscal tool, not a provocation Welfare systems may also need less funding as labor is partially emancipated In 2024, the average de

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

AI is accelerating bank-run risk into “AI bank runs” Supervisors lag far behind banks in AI tools and skills We need real-time oversight, automated crisis tools, and targeted training now In March 2023, a mid-sized Am

AI readiness in financial supervision decides who adopts fast and who falls behind In 2024, only 19% used generative tools, with advanced economies far ahea Fund data and governance, scale proven pilots, and measure real outcomes

Digital bank runs can drain banks in hours, outpacing current LAC rules. Raise LAC for mid-sized, high-digital banks using uninsured-deposit and network metrics AI-amplified rumors heighten correlation, so stress tests and resolution must run on 24-hour clocks

AI data centers are pushing grid costs onto households and schools Create a separate rate class with minimum bills, upfront upgrade payments, and full transparency Require self-supply or co-located power for very large campuses, with local community benefits

AI adoption is concentrated on a few cloud and model providers, creating systemic fragility Correlated behavior and shared updates can amplify shocks across markets Regulators should stress-test correlation, mandate redundant rails, and map dependencies to safeguard AI financial stability

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

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

Network credit models aren’t “inexplicable”—they can and must give faithful reasons Adopt “no reason, no model”: require per-decision reason packets and auditable graph explanations Regulators and institutions should enforce this operational XAI so that denials are accountable and contestable

AVs must pass an insurance test—no policy, no deployment Permits should hinge on corridor-specific coverage and quarterly audited claims data Keep driver-assist and driverless distinct; if it’s not insurable at market rates, it’s not permissible

AI accelerates information cascades, turning rumors into rapid bank runs Stability now hinges on dampening synchronized behavior, not just capital buffers Build rumor-aware stress tests, fast disclosures, and drill-based curricula

Korean GDP growth was 6.4%/y for 50 years until 2022, but down to 2.1%/y in 2020s.Due to low birthrate down to 0.7, population is expected to 1/2 in 30 years.Policy fails due to nationwide preference to leftwing agenda.

When an expectation for future is shared, market reflects it immediatelyUS Fed hints to lower interest rates in March, which is already reflected in prices