KLW Commentary

10 Years Later, Platforms Still Define the Connected Economy
10 Years Later, Platforms Still Define the Connected Economy
August 27, 2025  |  Connected Economy

In 2016, David Evans and Richard Schmalensee published the Harvard Business School Press book, Matchmakers: The New Economics of Multisided Platforms. The book explained what...

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Tariffs. Who Really Pays.
Tariffs. Who Really Pays.
August 20, 2025  |  Economy

The U.S. middle class is more than a household income bracket. The American middle class has always been the heartbeat of the U.S. economy. The...

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Why Trust is Data’s Only Real Currency
Why Trust is Data’s Only Real Currency
August 13, 2025  |  Data

Mark Twain once remarked that there are “lies, damned lies, and statistics.” A century later, the line still gets a chuckle. Not because statistics are...

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Gen Z Isn’t Different. They’re Digital by Default.
Gen Z Isn’t Different. They’re Digital by Default.
August 06, 2025  |  Consumer Insights

By the 1920s, cars and telephones had changed how people connected. Young adults could travel on their own and make plans without meeting in person....

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The New Face of Credit is the Debit Card
The New Face of Credit is the Debit Card
July 30, 2025  |  BNPL

About sixty years ago, credit cards changed shopping by solving a simple problem: they let people buy now and pay later anywhere the cards were...

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Apple’s $10B AI Crisis. 3 Bold Moves To Reinvent Its Future.
Apple’s $10B AI Crisis. 3 Bold Moves To Reinvent Its Future.
July 23, 2025  |  Apple

Maybe it was when Ruoming Pang, the executive leading Apple Intelligence, jumped ship earlier this month to Meta’s new Superintelligence Labs. Or when a leaked internal memo...

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Innovation Used to Be About Generations. Gen AI Makes It About Everyone
Innovation Used to Be About Generations. Gen AI Makes It About Everyone
July 07, 2025  |  artificial intelligence

For many Americans, saving money at the grocery store was once a Sunday evening ritual. Out came the scissors and spreadsheets to clip coupons from...

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The Banking Industry’s Newspaper Moment
The Banking Industry’s Newspaper Moment
June 23, 2025  |  Digital Banking

In 2000, USA Today was the most circulated newspaper in the United States. More than 1.6 million copies were printed each day. Over 6.6 million...

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Why 30 Months of GenAI Innovation Should Make Us Optimistic, Not Impatient
Why 30 Months of GenAI Innovation Should Make Us Optimistic, Not Impatient
May 27, 2025  |  artificial intelligence

Relationship experts say that the honeymoon period lasts about two years. After that, the newlywed sheen wears off, and what’s left is navigating the real...

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