From Curiosity to Collaboration: How Generative AI reframed my way of thinking

10

October

2025

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When I started my bachelor’s degree, ChatGPT didn’t exist. Then, almost overnight, it appeared and changed everything. Now it is part of our everyday life. “How do I cook this?”  “Can you explain this?”  “Write me a fitness plan!”  “Plan my week!” 

Generative AI has become the assistant we never knew we needed. 

When I first experimented with it, I expected convenience: quick summaries, grammar support in a different language, better structure. What I didn’t expect was how profoundly it would reshape the way I think. 

At first, AI was simply a productivity tool. I used to spend hours revising texts, searching for the right phrasing or clearer structure. Now, those routine tasks are off my plate. It feels as if I have delegated the repetitive parts of my work to an assistant, freeing time to dive deeper into the topics that actually excite me and require real analytical thinking. 

But more than efficiency, AI has become a creative amplifier. With just a few words, I can co-create ideas, visuals, or arguments. It’s like brainstorming with an endlessly curious partner, one that occasionally misses the point, but always sparks something unexpected. 

Yet what fascinates me most is how technology challenges our understanding of creativity and authorship, the very question of who truly creates and owns an idea. When an algorithm can write poetry, compose music, or design visuals, what still defines human originality? I’ve come to see creativity not as producing something from scratch, but as curating, directing and questioning what AI helps generate. The human role shifts from author to architect of meaning. 

AI has not replaced my creativity; it has reframed it. But as these systems evolve, one thing remains crucial: educating society about their responsible and ethical use. Because AI should stay what it was meant to be: a tool, not a replacement for human insight, empathy, and imagination. 

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Democratizing Private Equity: How Trade Republic is re-shaping information access in Finance: 

8

October

2025

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“Everyone in Europe shall have the opportunity to invest like the very wealthy — simple, secure, and at the lowest possible cost.” (Christian Hecker, Co-founder of Trade Republic) 

Trade Republic, a major European FinTech and neobroker announced a strategic shift from traditional stock brokerage into wealth management and private markets offerings (Financial IT, 2025). Through strategic partnerships with Apollo and EQT, the platform now enables retail investors to access private equity and private credit opportunities from as little as € 1(Yahoo Finance, 2025). With this they are disrupting an asset class once reserved for institutions and high-net-worth individuals. 

Traditionally, private markets operated under strong information asymmetry, where fund managers held exclusive access to data, valuations, and opportunities unavailable to most investors (BlackRock, 2025). By leveraging digital infrastructure, transparent reporting, and user-friendly data visualization, Trade Republic lowers these barriers. Its internal marketplace, allowing monthly redemptions instead of multi-year lockups, further shows how platform technologies can make illiquid assets more accessible. 

However, wider access also introduces new risks. As entry thresholds drop, inexperienced investors may misinterpret complex financial data or underestimate liquidity constraints. Access does not equal understanding!

As Amit Seru, professor of finance at Stanford Graduate School of Business, cautions the “democratization” of private markets could expose retail investors to valuation contagion and systemic risk if they expect the same transparency and liquidity as public markets (Seru, 2025). He further warns that in trying to attract retail capital, private equity could risk “becoming just another overregulated public market” (Seru, 2025). Digital brokers must therefore balance transparency with education and ethical design to avoid repeating the pitfalls of overextended financial innovation. 

Despite the risk concerns, Trade Republic`s move is more than a financial innovation, it is a live example of how information systems reshape market structures. It shows how data accessibility, platform design, and digital governance can transform who participates in entire asset classes. Yet it also reminds us that technology does not automatically equal fairness. As financial platforms become data ecosystems, the next challenge for policymakers and designers will be to ensure that transparency and education keep pace with accessibility. Only then can democratization of finance truly live up to its promise.

So, what do you think about this? Do you already have a Trade Republic account, and will you dive in the area of private equity? What are your hopes and concerns? 

References:

Trade Republic. (2025). About Trade Republic. Trade Republic Bank GmbH. https://traderepublic.com/de-de/about

Yahoo Finance. (2025, September 30). Trade Republic expands from brokerage to wealth management. Yahoo Finance. https://finance.yahoo.com/news/trade-republic-expands-brokerage-wealth-104100998.html

Financial IT. (2025, October 3). Trade Republic expands from brokerage to wealth management. Financial IT. https://financialit.net/news/wealth-management/trade-republic-expands-brokerage-wealth-management

BlackRock. (2025). Discovering private markets: A guide to accessing new opportunities. BlackRock. https://www.blackrock.com/se/individual/themes/discovering-private-markets

Seru, A. (2025, September 16). The democratization of private equity could create a systemic risk machine. Stanford Institute for Economic Policy Research (SIEPR). https://siepr.stanford.edu/news/democratization-private-equity-could-create-systemic-risk-machine

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