M. Konrad Borowicz
mkborowicz.bsky.social
M. Konrad Borowicz
@mkborowicz.bsky.social
Assistant Professor @ Tilburg Institute for Law, Technology and Society | Research Coordinator @ Tilburg Law and Economics Center | Credit, payments, open data | Ex City lawyer
O tym właśnie piszę w artykule opublikowanym dziś w Tygodniku Powszechnym. Możliwość publikacji na jego łamach — w miejscu, które od czasów II wojny światowej było forum polskiego sumienia intelektualnego — to dla mnie niemały zaszczyt. Dziękuję redakcji za tę szansę! 3/3
May 21, 2025 at 10:49 AM
Bo sposób, w jaki ten dług zostanie ostatecznie uregulowany — po wojnie naznaczonej aneksją terytoriów i wybiórczym stosowaniem prawa międzynarodowego — może w dużej mierze ukształtować przyszłe precedensy finansowe XXI wieku. 2/3
May 21, 2025 at 10:49 AM
Kwestia zagranicznego zadłużenia Ukrainy — gęsta mieszanina warrantów powiązanych z PKB, odsuniętych w czasie euroobligacji i nieodłącznego ryzyka moralnego — rzadko wychodzi poza kręgi międzynarodowych prawników finansowych i "nerdów" kwestii długu publicznego. A szkoda. 1/3
May 21, 2025 at 10:49 AM
You don’t need a toothpaste ad if your fridge reorders toothpaste based on usage patterns and emotional volatility. The ad becomes redundant. The utility function optimizes itself…
April 18, 2025 at 6:12 PM
What even is marketing if AI just knows what you want? One function of marketing is to convince people to buy things they didn’t know they needed. But if AI already knows what you need — or want, or will want after, say, a breakup — then the marketing sort of does itself.
April 18, 2025 at 6:12 PM
Incidentally, the COBOL problem is real also in the Netherlands. Universities stopped teaching it in the 80s thinking it would die away. Well, it didn’t. And is causing issues www.computerweekly.com/news/3665882...
Cobol knowledge crisis threatens Dutch financial systems | Computer Weekly
Expertise in complex Cobol systems, critical to major financial institutions, is dwindling and retired professionals are being brought back in The Netherlands.
www.computerweekly.com
February 3, 2025 at 9:03 PM
—while also risking breaking the entire U.S. government’s payments infrastructure in the process. COBOL, anyone? Incredible stuff.
February 3, 2025 at 9:03 PM
Musk’s team gained access to the Treasury’s payment system, sidelining its top career expert, in a move that looks less like “government efficiency” and more like a blueprint for unilaterally cutting off funding to political enemies—
EMERGENCY PIECE: Elon Musk Wants to Get Operational Control of the Treasury’s Payment System. This Could Not Possibly Be More Dangerous. Worse, exclusive new information revealed here explicate how Musk’s actions relate to Treasury Secretary Scott Bessent

(Link at the end)
February 3, 2025 at 9:03 PM
I wrote about the ECB’s distributed ledger technology (DLT) trials and the DLT Pilot regime, which might sound like buzzwords, but they’re actually pretty interesting if you think about what they mean for EU capital markets. www.linkedin.com/pulse/settle...
Settle Me This: Europe’s Tokenization Experiments as Building Blocks for a Digital Capital Markets Union?
This article is a reflection on the ECB DLT trials and the DLT Pilot regime. I have some thoughts on them, in part, because my students keep on asking me whether blockchain has already revolutionized ...
www.linkedin.com
January 13, 2025 at 6:47 PM
“While it is reasonable to expect better recovery outcomes in direct lending loans given their stronger covenants, the data do not confirm this hypothesis.”
November 22, 2024 at 9:44 AM