Christian Owens

2 episodes · 2 moments · last on 18 Feb 2026

18 Feb 2026OpenClaw Joins OpenAI, Legora Eyes $6B, Netherlands Tax Unrealised Gains

4:2817 min

Christian Owens (Clove): AI & the White-Collar Stock Dip

Christian Owens argues the recent dip in financial-sector stocks is warranted for mid-market wealth managers running on manual, paper-heavy operations like in-person KYC, 30-page PDFs and re-entering data across seven tools. He says giants like JPMorgan have the talent to adapt, but most mid-market firms are institutionally unprepared for the transformation coming to service businesses. He also explains Clove's pivot from B2B tooling to a full-stack direct-to-consumer advice firm that lowers the advice threshold from ~£250k to £25-50k, and pushes back on St. James's Place's chair calling the sell-off an overreaction, noting SaaS defensibility rests more on distribution than software.

18 Feb 2026OpenClaw Joins OpenAI, Legora Eyes $6B, Netherlands Tax Unrealised Gains

7:0020 min

Christian Owens (Clove): AI, White-Collar Jobs & the Stock Dip

Owens explains his FT quote that the recent dip in financial stocks is warranted: mid-market wealth managers are extremely manual (paper onboarding, in-person KYC, data re-entered across seven tools) and institutionally unprepared for AI, unlike scaled players like Morgan Stanley and JPMorgan. He describes pivoting Clove from B2B tooling to a full-stack direct-to-consumer advice firm serving people below the traditional ~£250k minimum, and weighs in on Salesforce's defensibility and the viral Matt Schumer warning to non-tech industries.