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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

China’s clean-energy surge makes the 7–10% by 2035 a floor, not a ceiling Wind, solar, and EV scale are bending emissions down despite coal capacity With the U.S.

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Ethan McGowan

Markets provide the fastest, most reliable signal of expected inflation Pairing market prices with news-based textual indicators improves shock classification and timing Education systems should anchor wages and procurement to this dashboard with simple, rules-based triggers

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Ethan McGowan

Supply shock inflation comes from real shortages that rates cannot fix Central banks can limit spillovers, but fiscal and structural tools must absorb the shock Inflation control is a shared task. When European gas pric

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Ethan McGowan

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

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Ethan McGowan

Chinese subsidies lower prices now but create domestic misallocation and cross-border distortions Importers’ short-run gains are offset by capacity loss, concentration, and volatile input shocks Targeted remedies, resilient procurement, and updated curricula can cut the global welfare loss

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Ethan McGowan

Japan’s equity play in African venture capital builds firms and skills The gap is stark: $57.1B BRI (H1-2025) vs $2.2B Africa VC equity (2024), with 31% still debt Link universities, co-investment rules, and procurement to crowd in patient equity and scale export-ready startups

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Ethan McGowan

Trade barriers worth $2.3T are rising and choking education trade A free trade mega bloc can keep people, data, and ideas moving Prioritize shared visas, interoperable credentials, and protected cross-border data One number u

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Ethan McGowan

Mind captioning maps visual brain patterns to text, but it’s pattern recognition—not mind reading In schools, keep it assistive only, with calibration, human-in-the-loop checks, and clear error budgets Adopt strict governance first: informed consent, mental-privacy protections, and audited model cards

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Ethan McGowan

Sanctions pushed Russian energy to Asia, forming a petroyuan-leaning nexus Yuan and dirham settlement grew in this corridor, but the dollar remains dominant Policy should shrink discount arbitrage, target shipping/finance nodes, and steady dollar finance

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Ethan McGowan

CRISPR cures are real, but access is narrow High costs, fragile care pathways, and shaky investment block scale Share risk on payment, build training and data networks, and enforce anti-eugenics rules to make gene editing access a public good

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Ethan McGowan

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

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Ethan McGowan

Informality and “tax exodus” rise when governments hike taxes in downturns UK and France show wealth flight Predictable, narrow rules keep money formal One key fact should guide every budget meeting this winter.

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Ethan McGowan

European debt guilt is deep-rooted and won’t be reversed by information campaigns Rising interest costs, defence needs, and ageing populations are crowding out core services Be honest: set real plans and rank priorities As we

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Ethan McGowan

Schools must plan for digital money resilience as payments go cashless Keep layered rails—fast digital by default, cash and offline modes for outages Pilot CBDC/stablecoin use with strict safeguards, contracts, and treasury diversification

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Ethan McGowan

Climate spillover costs spread climate damage across borders and supply chains, not just disaster zones Standard models miss these externalities, so budgets and prices understate true risk Measure and price spillovers to fund resilience in education and public services now

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Ethan McGowan

Policy uncertainty, not polarization, drives Spain’s talent loss Low vacancy rates and selective outflows show thin, unreliable opportunities Fix it with stable multi-year funding and fixed calendars to lift hiring Spain entered

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Ethan McGowan

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

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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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