KLW Commentary

Why the ‘Person’ of the Year in 2025 Should Be the Chatbot

Why the ‘Person’ of the Year in 2025 Should Be the Chatbot
Why the ‘Person’ of the Year in 2025 Should Be the Chatbot
December 17, 2025  |  artificial intelligence

It was sort of an accident. In 1927, Time magazine was chasing an interview with Charles Lindbergh shortly after his successful, first-ever solo transatlantic flight from New...

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The Protocol Power Struggle Reshaping AI-Driven Commerce.
The Protocol Power Struggle Reshaping AI-Driven Commerce.
December 10, 2025  |  artificial intelligence

Changes in how consumers shop and pay never happen all at once. The transformation doesn’t make a grand entrance. Change happens when the friction that...

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The Creative Destruction and Rebuild of the Payments Business Model
The Creative Destruction and Rebuild of the Payments Business Model
November 20, 2025  |  artificial intelligence

In 1878, Randolph McCoy accused Floyd Hatfield of stealing a pig. The trial ruled in favor of Hatfield. That pig became the spark that ignited...

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The Labor Economy Becomes the Innovation Economy
The Labor Economy Becomes the Innovation Economy
November 05, 2025  |  Artificial Intelligence

My hometown of Baltimore was the first city to install gas street lights in 1816 in an effort to curb crime. More cities quickly followed...

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Why 30 Million US Consumers No Longer Search.
Why 30 Million US Consumers No Longer Search.
October 22, 2025  |  artificial intelligence

For nearly three decades, the internet rewarded people who knew how to find information fast. The pros learned to turn questions into a few notable...

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The BNPL Story Everyone’s Getting Wrong
The BNPL Story Everyone’s Getting Wrong
October 15, 2025  |  BNPL

Easy loans are luring millions of Americans into a dangerous cycle of debt. Young people, particularly college students, are being seduced by easy credit and...

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How Time Became the Next Great Asset Class
How Time Became the Next Great Asset Class
October 08, 2025  |  artificial intelligence

In 1915, a Wall Street analyst named Benjamin Graham saw an opportunity. Guggenheim Exploration was trading as a single stock, but it held shares in...

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Gen AI: The Technology That Broke the Adoption Curve
Gen AI: The Technology That Broke the Adoption Curve
October 01, 2025  |  artificial intelligence

When Neil Armstrong and Buzz Aldrin landed on the Moon in 1969, their giant leap for mankind was also a giant mass of dependencies navigated...

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The Rise of AI Agents and the Fall of Digital Wallets
The Rise of AI Agents and the Fall of Digital Wallets
September 24, 2025  |  artificial intelligence

In 1996 the Palm Pilot felt like the future. For those unfamiliar (or not yet born), the Palm Pilot was a pocket computer that organized...

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