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Imagine compressing a decade of research into mere weeks or turning a failure rate of 90% in clinical drug development on its head. That's exactly what's on the horizon with the incorporation of artificial intelligence (AI) in the realm of drug discovery, and the person leading this charge is none other than Dr. Max Jakobs, CEO and co-founder of DeepMirror. Prepare to be blown away as we navigate the potential AI holds for revolutionizing healthcare, making it possible to sift through massive datasets with unprecedented speed and accuracy.

In our exciting conversation with Dr. Jakobs, we dig into the gritty realities of drug discovery in its current state and the formidable issues researchers face without the aid of AI algorithms. Get ready to discover how AI not only hastens the drug-to-market journey but also boosts the clinical hit rates, saving ample time and a fortune in the process. Plus, we probe into the daunting challenge of FDA approval and how DeepMirror is working to dismantle the bias inherent in traditional drug development.

To conclude, we delve into the groundbreaking advancements in small molecule drug discovery and how cloud-based AI is honing laboratory processes. Dr. Jakobs illustrates how DeepMirror is utilizing AI to unearth the most promising drug candidates more efficiently. We bring to light riveting customer success stories and the promising future that lies ahead with AI-based data analysis in the pharmaceutical industry. Brace yourselves for a riveting exploration of AI's impact on drug discovery and healthcare.

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🌐 Embark on a Digital Odyssey with “Things Have Changed”! 🌐

Ever wondered how the maze of the internet came to be? Join us in our latest episode of “Things Have Changed” as we travel back in time to unveil the origins of the digital universe! 🚀

Featuring Voices from the Past:

• 🎙 Charley Kline: Hear from the young mind at UCLA in 1969, whose keystrokes would echo through time!
• 🎙 Bill Duvall: Listen to the collaborator from Stanford, making history alongside Charley!
• 🎙 Larry Roberts: Discover the visionary who sculpted the backbone of digital communication!

Snippets of History:

• Uncover the significance of ARPANET, the ambitious project funded by the United States Department of Defense! 💻
• Explore the intricate tapestry of innovations and the revolutionary concept of packet switching! 🌟
• Witness the development of TCP/IP, the universal language of the Internet! 🌍

Journey Through Decades:

• Relive the excitement of the 80s, the era of neon and the advent of domain names! 💫
• Reflect on the monumental transformation of the Internet, from a military tool to a global platform! 🔄

A Tale of Resilience and Foresight:

• Immerse yourself in stories of challenges, groundbreaking innovations, and limitless human ingenuity! 💡
• Ponder our digital past and look forward to the boundless potential of the future! 🌟

Join us on this enlightening journey through the digital ages and stay tuned for more episodes as we uncover the tales and transformations that have shaped our interconnected world! 🎧 Remember, in this ever-evolving digital landscape, Things Have Changed!

Links:

• https://www.youtube.com/watch?v=oIezCGjxV3A&t=318s
• https://www.youtube.com/watch?v=qkD4HVRnGJE&t=950s
• https://www.youtube.com/watch?v=7duyl0ZZ5BQ&t=227s

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Are you prepared for the future? What if we told you that philosophers will play a key role in it? We had a fascinating conversation with the brilliant Dr. Seth Benzel, a Digital Economist from MIT and Assistant Professor at Chapman University. He shared his insights about the transformation of job market landscape, the rise of new types of jobs, and the profound impact of AI on jobs and productivity. We explored how universities are stepping up, investing in STEM education, and how they can play a pivotal role in reducing inequalities and stimulating growth. 

Ever heard of luxury jobs, last mile jobs, or new tech jobs? These are part of David Autor's taxonomy of future jobs and they're not as far away as you might think. We also delved into the increasing wealth of the top 3% and the subsequent rise in demand for luxury services. What does this mean for you? Well, we chatted about the importance of teaching philosophy in universities and striking a balance between STEM skills and interpersonal skills. We rounded out our conversation by discussing the increasing compensation for leadership and cooperative jobs. Ready to equip yourself with the right skills to remain competitive in the modern job market? Then you don't want to miss this episode!

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Ever wondered how a nation transforms from a war-torn past to a thriving economic powerhouse? 

Vietnam's transformation has been nothing short of astonishing, as it deftly navigated through technological advancements and strategic partnerships to establish itself as a pivotal player in the global trade landscape. This Asian tiger, now a central hub for manufacturing, produces a wide range of goods, from shoes to cutting-edge technology, harnessing the potential of the internet, smartphones, cloud computing, and data.

If you are currently listening to this podcast on a smartphone, there's a significant likelihood that the device was manufactured in Vietnam. Notably, mobile phones represent Vietnam's top export, generating export revenues exceeding $45 billion in 2017. In a period when global trade has stagnated, Vietnam's trade has skyrocketed, accounting for 190 percent of its GDP in 2017, up from 70 percent in 2007.

So, how did Vietnam emerge as a manufacturing powerhouse? In this episode of the Things Have Changed Podcast, we shine a spotlight on Vietnam and explore how the nation has firmly positioned itself as a vital player in Asian global trade, offering a fresh narrative of prosperity in the era of Slowbalization. 
Join us as we delve into the heart of Vietnam's economic renaissance!

Links:

• Joe Biden’s Visit to Hanoi is a signal to China
• Why are Vietnam’s schools so good?
• Vietnam is emerging as a winner from the era of deglobalisation
• Vietnams Richest Man wants to sell EV’s to America

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Ready to embark on an enlightening journey exploring the economic evolution of Brazil? Strap in as we navigate through dramatic GDP growth, a thriving digital revolution, and Brazil's robust role in global agriculture and natural resources. This intriguing exploration uncovers the shifting landscape of globalization and how Brazil, as part of the BRICSA coalition, is carving its own path towards becoming a top five economy.

As we traverse through Brazil's economic terrain, we'll cast a spotlight on its burgeoning agricultural exports and reliance on the same. We'll also examine how the Covid-19 pandemic has impacted its economic momentum while highlighting the significance of monetary policy, past inflation hurdles, and the current favorable trends fostering business growth. From there, we segue into Brazil's burgeoning tech space and the potential growth there, underscoring its sustainability initiatives.

Lastly, we broaden our lens to capture the pulsating industries in Latin America, discussing the EU-Mercosur trade pact and its economic implications. We'll touch upon the rising tech companies in Brazil and the immense benefits of regional partnerships within Latin America. Together, we'll dissect the need for sustainable leadership in Brazil and the broader region, and Brazil's role in global economics amidst the challenges of the Covid-19 pandemic. Be prepared for an informative journey that dissects Brazil's economic strategies and its resilience in weathering global economic storms. So, are you ready to explore Brazil's exciting role in globalization and economics? Because we're ready to take you there. 

Join us in this enlightening journey of discovery and insight, as we navigate the fascinating economic landscape of Brazil.

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In the past few decades, it's been like watching the world shrink right in front of us. Globalization has turned our planet into this super connected place where everything's buzzing. Borders? They've become kinda blurry. Businesses? Oh man, they're popping up all over the globe. And tech? Well, it's like the ultimate game-changer, making even the most remote spots possible market hotspots.

But winds of change are blowing once again. Enter: Slowbalization. While it might sound like we're hitting the brakes, it's a bit more complicated than that. Countries are revisiting the whole global trade angle thanks to the volatile past few years we’ve witnessed - from rising trade tensions, evolving geopolitics, and supply chain crises driven by COVID. We're moving from that whole worldwide party mode to a chill regional hangout scene.

In this series on Things Have Changed Podcast, we're going to unravel the layers behind this shift. Specifically, Mexico is emerging as a standout beneficiary, as US companies aim to divest from China and invest closer to home!

Amidst the intricacies of Slowbalization, Mexico emerges as a standout beneficiary. As the whirlwind of global trade cools and countries seek more regional, strategic partnerships, Mexico's geographical proximity to the US and robust trade agreements place it at a pivotal position.

As companies reevaluate supply chains and lean towards nearshoring, Mexico's blend of competitive labor costs, established manufacturing prowess, and its strengthened ties with the U.S. through agreements like the USMCA, makes it a beacon for businesses looking for agility and resilience in this new economic landscape. In essence, Slowbalization is opening doors for Mexico that globalization merely hinted at.

Helpful Links:

• https://www.morganstanley.com/ideas/mexico-nearshoring-gdp-growth
• https://www.wsj.com/articles/mexicos-industrial-hubs-grow-as-part-of-trade-shift-toward-nearshoring-11675257070
• https://www.wsj.com/articles/how-u-s-and-china-are-breaking-up-in-charts-282bd878?mod=Searchresults_pos5&page=1
• https://www.bloomberg.com/news/newsletters/2023-06-28/supply-chain-latest-us-nearshoring-proof-grows-as-mexico-exports-jump?in_source=embedded-checkout-banner#xj4y7vzkg

Disclaimer: The information and opinions expressed in this episode are for informational purposes only and are not intended as financial, investment, or professional advice. Always consult with a qualified professional before making any decisions based on the content provided. Neither the podcast nor its creators are responsible for any actions taken as a result of listening to this episode.

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Imagine navigating the often-complex world of equity management with ease. Picture illuminating the path to growth opportunities that you were previously oblivious to. That's exactly what our guest, Peter Walker, head of insights at CARTA, is here to discuss. CARTA is reshaping equity management and providing invaluable insights to companies like Slack, Coinbase, and Robinhood, enabling them to focus on their core mission - building their company. Peter stresses the importance of a clear cap table for investors and how CARTA is revolutionizing this process. 

Ever wondered how first-time founders transform into second-time founders, and in the process, create more owners in the ecosystem? CARTA's insights can guide you on this journey. Peter shares how CARTA's cross-functional collaborations between data and marketing teams make their data more valuable for the ecosystem. CARTA's mission to become the infrastructure for startups, and its data-driven approach, is indeed intriguing and holds immense potential for entrepreneurs.

Lastly, we delve into Peter’s exciting journey in DataViz and CARTA's bold moves in the VC and liquidity space. He reveals the importance of tooling and iteration in data storytelling and how companies can optimize their buying process. We also discuss trends in startup valuations, employee options and their implications on company acquisitions. CARTA's role in educating employees on equity management and making informed financial decisions is also brought to light. It's a captivating discussion you don't want to miss. Hop in for an enlightening conversation on the future of equity management.

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On our previous episode, we spoke about the Buy Now Pay Later industry and the players that rode the pandemic to all time highs! But what we didn’t talk about was the chaos that ensued post covid!..Affirm's stock price dropped over 90% since November 2021, AfterPay fell more than 80%, and Klarna saw a decline of over 70%.

So what's behind this turbulence? Rising interest rates, inflation concerns, and worries about consumer debt have left investors scratching their heads. But don't worry, we're here to make sense of it all!

In this episode, we'll explore the challenges facing the BNPL industry and how it's adapting to the economic storm. We'll also discuss the importance of responsible spending and share some tips to ensure you're making informed decisions when using BNPL services.

Regulatory Scrutiny. BNPL is a relatively new product, and there is no clear regulatory framework for it. This has led to concerns about consumer protection and financial stability. Some BNPL companies have been fined for violating regulations. For example, in 2022, the Financial Conduct Authority (FCA) in the United Kingdom fined Klarna £39 million for failing to adequately assess the affordability of its products to consumers. The FCA also fined Clearpay £20 million for similar reasons.

Helpful Links

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Imagine this: you're browsing through an online store, eyeing that perfect item you've had your heart set on like the new iPhone 15 or a brand new Leather Couch to pass out on. In today’s world, you can bring it home today and pay later, without the hassle of upfront payments or credit checks. It's like having a financial genie granting your wishes! It’s called “Buy Now, Pay Later” or BNPL.

This new form of payment, BNPL aims to disrupt traditional credit cards, by helping customers indulge in that must-have item and spread the cost over manageable installments. So this idea has spawned some billion-dollar businesses, but is it all sunshine and rainbows?

Join us on "Things Have Changed Podcast" as we delve into the stories of how this new wave in finance is changing the way you shop online.

Links:

• Klarna, a Swedish payments unicorn, wants to conquer America
• What is Buy Now Pay Later
• Some Buy Now Pay Later Users Face Rejection

Here are some Companies in the space:
Afterpay - The Rebellious Trendsetter

• The trailblazer in the BNPL industry, boasting over 16 million users in 17 countries and processed over $12.7 billion in transactions in 2021
• Origin Story: Delve into the audacious tale of Afterpay's founding in 2014 by Nick Molnar and Anthony Eisen, who started the company with just two employees and transformed it into a global phenomenon with a market capitalization exceeding $37 billion.
• The Fashion Forward Movement: Explore Afterpay's success in partnering with over 86,000 global retailers, including industry giants like Sephora and Urban Outfitters, attracting millions of fashion-forward users who account for a significant portion of the company's average of 14 million monthly active users.
  • Customers often leverage Afterpay to splurge on trendy clothing, shoes, and accessories, allowing them to stay on top of the latest fashion trends without breaking the bank. It's also popular for beauty and grooming products, allowing individuals to pamper themselves with skincare essentials, cosmetics, and hair care items.
• Revolutionizing the FinTech Landscape: Witness how Afterpay's unique approach to responsible spending has led to over 98% of its transactions being interest-free, providing users with a convenient and transparent payment option that challenges the conventional credit card model.

Klarna - The Quirky Scandinavian

• Klarna serves over 250,000 retailers and has amassed more than 140 million users in 45 countries and processed over $15.8 billion in transactions in 2021
• Scandinavian Influence: Discover how Klarna's Scandinavian heritage, led by CEO Sebastian Siemiatkowski, has propelled the company to process an average of 1 million transactions per day, with a transaction volume surpassing $53 billion in 2022.
• From Frustration to Innovation: Uncover the story behind Klarna's inception in 2005, when Sebastian Siemiatkowski, Niklas Adalberth, and Victor Jacobsson set out to simplify online checkouts. Today, Klarna's innovative solutions drive customer satisfaction, resulting in a net promoter score higher than the industry average.
• Customers frequently utilize Klarna for purchasing electronics, gadgets, and home appliances. Klarna also appeals to those seeking furniture and home decor items, enabling them to revamp their living spaces with ease. Additionally, Klarna's "try before you buy" feature makes it popular for trying out clothing, allowing users to order multiple sizes or styles and only p

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In today's episode, we delve into the remarkable story of how JP Morgan Chase became the largest bank in the world. From its humble beginnings to its rise as a global financial powerhouse, we'll uncover the key milestones, strategic decisions, and factors that propelled this iconic institution to its prominent position in the banking industry. Join us as we explore the vision, innovation, and determination that shaped the legacy of JP Morgan Chase.

JP Morgan Chase's journey begins in the late 19th century when a visionary named John Pierpont Morgan, known as J.P. Morgan, laid the foundation for what would become an influential banking empire. Through his shrewd business acumen and deep understanding of finance, J.P. Morgan navigated the rapidly changing landscape of the industrial revolution, capitalizing on opportunities that propelled him to the forefront of the financial world.

Throughout its history, JP Morgan Chase has demonstrated its ability to adapt and evolve, solidifying its position as a leader in the industry. From strategic acquisitions and partnerships to technological innovation and a relentless commitment to exceptional service, the bank has consistently stayed ahead of the curve.

JP Morgan Chase played a pivotal role in the face of economic crises, such as the financial downturn of 2008, and how the institution's resilience and prudent risk management helped it emerge stronger than ever before.

So, sit back, relax, and get ready to embark on an enlightening journey through the history, triumphs, and continued success of JP Morgan Chase.

Helpful Links:

• Viva Wallet Acquisition
• Battle of Scale
• What is Bear worth?

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