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Kevin Werbach

@kwerb.com

Penn Prof (Chair of Legal Studies & Business Ethics @ Wharton). Pescatarian. Panentheist Jew. Parent. Philadelphian. Poconos Airbnb host. Perhaps Retired Restoration Shaman. Primarily focused on Accountable AI & crypto regulation. https://accountableai.net

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06.02.2024
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Latest posts by Kevin Werbach @kwerb.com

With input from a diverse group of experts, the Stablecoin Toolkit provides a foundation to understand what stablecoins are, how they function, and how they relate to other forms of money and payments. It offers guidance for policy-makers in evaluating the evolving sector.

whr.tn/stablecointo...

21.01.2026 12:47 πŸ‘ 0 πŸ” 0 πŸ’¬ 0 πŸ“Œ 0

There are many reports on stablecoins from market participants and consultants. The Stablecoin Toolkit fills a gap by offering a balanced, academically-informed perspective, and tackling fundamental quesitons about the nature and distinctiveness of stablecoins.

21.01.2026 12:46 πŸ‘ 1 πŸ” 0 πŸ’¬ 0 πŸ“Œ 0

With the passage of the GENIUS Act and other rules globally, stablecoin activity has skyrocketed. Yet the landscape of stablecoins in use today is much broader than any of them contemplates. And the stablecoin ecosystem is broader still.

21.01.2026 12:46 πŸ‘ 0 πŸ” 0 πŸ’¬ 2 πŸ“Œ 0
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We are delighed to announce the release of the Wharton Stablecoin Toolkit: Financial and Market Dimensions.

This report provides a comprehensive overview of the stablecoin world, including the business ecosystem, categories of approaches, and use cases.

whr.tn/stablecointo...

21.01.2026 12:45 πŸ‘ 3 πŸ” 1 πŸ’¬ 1 πŸ“Œ 0
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AI has scaled fraud to a global industrial level. On The Road to Accountable AI, ID.me CEO Blake Hall explains why old verification methods are obsolete, and why we need a secure, user-controlled digital identity layer.

Listen at apple.co/accountable, or visit accountableai.net

11.12.2025 13:49 πŸ‘ 6 πŸ” 1 πŸ’¬ 0 πŸ“Œ 1
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Registration is open for the first Accountable AI Research Conference, at The Wharton School in Philadelphia on Feb. 6, 2026.

ai-analytics.wharton.upenn.edu/wharton-acco...

If you're an AI governance practitioner or researcher, looking for insights on the future of responsible AI, please join us!

05.12.2025 20:41 πŸ‘ 8 πŸ” 4 πŸ’¬ 0 πŸ“Œ 0
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On The Road to Accountable AI, I spoke with Mitch Kapor @mkapor, legendary entrepreneur, digital policy visionary, and impact investor, about what we haven’t learned from past tech waves, how VCs can close societal gaps, and why responsible AI requires more than good intentions.

accountableai.net

04.12.2025 13:05 πŸ‘ 4 πŸ” 1 πŸ’¬ 0 πŸ“Œ 1
U.S.-China AI Cooperation Under Trump 2.0 - Perry World House The United States and China, as the world’s two economic, military, and technological superpowers, recognize the paramount importance of artificial intelligence (AI) as the technology that will shape ...

Read "U.S.-China AI Cooperation Under Trump 2.0" by @kwerb.com: perryworldhouse.upenn.edu/news-and-ins...

25.11.2025 19:50 πŸ‘ 3 πŸ” 1 πŸ’¬ 1 πŸ“Œ 0
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On The Road to Accountable AI, I spoke with
@bradrcarson of @americans4ri, about why politics is inescapable for AI's future, the prospects for bipartisan agreement in the US, and how to navigate the challenges of AI policy.

Listen at apple.co/accountable, or your favorite podcast platform.

20.11.2025 12:56 πŸ‘ 3 πŸ” 1 πŸ’¬ 0 πŸ“Œ 0
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Oliver Patel, head of AI Governance at AstraZeneca, joins me this week on The Road to Accountable AI to share enterprise AI governance frameworks built from his experience.

Listen to the full episode at https:apple.co/accountable, or your favorite podcast platform.

14.11.2025 17:22 πŸ‘ 2 πŸ” 1 πŸ’¬ 0 πŸ“Œ 0
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Maybe we've been approaching AI ethics the wrong way?

On this week's episode of The Road to Accountable AI, Ravit Dotan discusses how she shifted her approach, and why AI governance practitioners should be more like chefs.

Listen now: apple.co/accountable or your favorite podcast platform.

06.11.2025 13:22 πŸ‘ 2 πŸ” 1 πŸ’¬ 0 πŸ“Œ 0

Registration will open in a few weeks, after we have a chance to review the paper submissions.

We invite industry practitioners, regulators, an non-academic experts on AI accountability and related topics to join us at Wharton on February 6 for valuable interdisplinary conversations.

24.10.2025 13:28 πŸ‘ 0 πŸ” 0 πŸ’¬ 0 πŸ“Œ 0
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Accountable AI Research Conference Accountable AI Research Conference The first Accountable AI Research Conference will bring together scholars from law and other fields. The risks and limitations of AI have been the subject of scholarly attention for many years. Yet th...

Reminder that Monday is the submission deadline for the Accountable AI Research Conference, at the Wharton School in Philadelphia on Feb. 6.

For researchers on AI governance, responsibility, safety, ethics, or policy, don't miss this opportunity!

ai-analytics.wharton.upenn.edu/wharton-acco...

24.10.2025 13:25 πŸ‘ 1 πŸ” 1 πŸ’¬ 1 πŸ“Œ 0

Also, if Character AI is taking the position that every word generated by the chatbot is actually the company speaking, vs. just indirect output of a tool which they designed, that might open up greater responsibility for firms.

24.10.2025 12:44 πŸ‘ 5 πŸ” 0 πŸ’¬ 0 πŸ“Œ 0

Not to mention that libel, slander, and defamation involve speech by definition!

24.10.2025 12:41 πŸ‘ 11 πŸ” 0 πŸ’¬ 0 πŸ“Œ 0
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β€œAI governance is a team sport.”

On Road to Accountable AI, Caroline Louveaux of Mastercard explains how trust, collaboration, and responsibility drive innovation in the AI era.

Listen now: apple.com/accountable
accountableai.net

23.10.2025 17:02 πŸ‘ 0 πŸ” 1 πŸ’¬ 0 πŸ“Œ 0
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The Great Reckoning - The Ideas Letter The world feels unsettled, as if history itself were changing tempo. The familiar landmarks of the modern age are blurring, slipping away, and the stories we once told ourselves about…

Exceptional article by @kaiserkuo.bsky.social on how China's successful rise should force us to reconsider our assumptions about modernity.

I'm frustrated how few Americans who aren't China specialists are willing to entertain such questions.

www.theideasletter.org/essay/the-gr...

20.10.2025 13:32 πŸ‘ 0 πŸ” 0 πŸ’¬ 0 πŸ“Œ 0
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"AI governance can’t be top-downβ€”it has to be networked.”

On the Road to Accountable AI, former Acting US Secretary of Commerce Cam Kerry explains why flexible oversight is essential for AI, and what AI policy can learn from the long battle over privacy regulation.

Listen now: accountableai.net

16.10.2025 14:54 πŸ‘ 1 πŸ” 1 πŸ’¬ 0 πŸ“Œ 0
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What does it take to turn the theoretical ideal of fair AI into something organizations can implement? This week on The Road to Accountable AI, I spoke with Derek Leben, Carnegie Mellon professor and author of the new book, AI Fairness.

Visit accountableai.net or your favorite podcast platform.

09.10.2025 12:38 πŸ‘ 1 πŸ” 1 πŸ’¬ 0 πŸ“Œ 0
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AI is spreading fast. Can governments keep up?

On today’s Road to Accountable AI podcat, Karine Perset, Acting Head of the OECD’s AI Division, explains how countries are working together to shape responsible AI.

Listen now:
accountableai.net or your favorite podcast platform.

11.09.2025 16:11 πŸ‘ 1 πŸ” 1 πŸ’¬ 0 πŸ“Œ 0
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Accountable AI Research Conference Accountable AI Research Conference The first Accountable AI Research Conference will bring together scholars from law and other fields. The risks and limitations of AI have been the subject of scholarly attention for many years. Yet th...


🚨 Call for Papers! 🚨

The Wharton Accountable AI Lab is hosting the 1st Accountable AI Research Conference at @Wharton on Feb 6, 2026.

Focus: law, ethics, governance & policy shaping real-world AI practice.

Submissions due: Oct 27, 2025. Learn more:
ai-analytics.wharton.upenn.edu/wharton-acco...

09.09.2025 07:30 πŸ‘ 2 πŸ” 2 πŸ’¬ 0 πŸ“Œ 3
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State of AI in Business 2025 | Kevin Werbach The "MIT report" which made a big splash this week, finding few generative AI deployments generate any returns, is deeply problematic. The incident is, frankly, a great example of confirmation bias. ...

A report by an MIT research center claiming that 95% of genAI deployments fail got a lot of attention this week, even possibly contributing to a drop in AI stock prices.

As I explain on LinkedIn, the report doesn't offer any real support for its conclusion.

www.linkedin.com/posts/kevinw...

23.08.2025 16:04 πŸ‘ 4 πŸ” 1 πŸ’¬ 0 πŸ“Œ 0

I never thought about it before, but if truths are "self-evident," why do we need to declare that we hold that to be true?

25.07.2025 20:47 πŸ‘ 1 πŸ” 0 πŸ’¬ 1 πŸ“Œ 0
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Companies load up on niche crypto tokens to boost share prices Listed firms load up on ether, litecoin and $TRUMP as they bid to emulate Michael Saylor’s Strategy

Flashing red light for financial markets. With klaxons.

Crypto is a legit investment asset class. But if the thesis is financial engineering memecoins into traditional stock markets via SPACs, and the market is buying it, we're eventuially headed for a crackup.

www.ft.com/content/50f9...

25.07.2025 12:49 πŸ‘ 2 πŸ” 0 πŸ’¬ 0 πŸ“Œ 0
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poetsandquants.com/2025/07/24/a...

Amen.

We're doing a lot to bring AI into the curriculum at @wharton. I'm rethinking my own courses from scratch. But this is a deep question about the future of business education, where we could benefit from engagement with our peers.

25.07.2025 11:12 πŸ‘ 2 πŸ” 1 πŸ’¬ 0 πŸ“Œ 0

The Chinese ride-hailing giant Didi has been offering female riders the option of female drivers around the world for soem time.

23.07.2025 22:02 πŸ‘ 0 πŸ” 0 πŸ’¬ 0 πŸ“Œ 0

The more the US becomes like China, the harder it is for China to become like the US. That should concern us deeply.

23.07.2025 22:02 πŸ‘ 2 πŸ” 0 πŸ’¬ 0 πŸ“Œ 0

The reality is that China has an ideology, and the US has an ideology. The argument that "American AI" should win is that our ideology is best for human flourishing. Claiming that our AI is "objective" and theirs is "ideologically biased" is just the mirror of their claims of "scientific socialism."

23.07.2025 18:36 πŸ‘ 0 πŸ” 1 πŸ’¬ 0 πŸ“Œ 0

Interesting that the White House did a public comment process on the AI Action Plan, in which all the AI companies said their most important existential issue is copyright liability and...said exactly nothing about copyright.

Then again, probably better it didn't.

23.07.2025 18:24 πŸ‘ 0 πŸ” 0 πŸ’¬ 0 πŸ“Œ 0

No doubt. Yet if one accepts the imagined construct that some models explicitly impose their own preferences, vs. striving for some version of fidelity to reality, Grok is the clear proven example. But of course, not the droids they are looking for.

23.07.2025 18:16 πŸ‘ 1 πŸ” 0 πŸ’¬ 0 πŸ“Œ 0