{"id":7727,"date":"2025-12-30T11:11:19","date_gmt":"2025-12-30T10:11:19","guid":{"rendered":"https:\/\/bicon.li\/?p=7727"},"modified":"2026-03-12T20:40:18","modified_gmt":"2026-03-12T19:40:18","slug":"lieberl-in-konkrete-innovationen-investieren","status":"publish","type":"post","link":"https:\/\/bicon.li\/en\/2025\/12\/30\/lieberl-in-konkrete-innovationen-investieren\/","title":{"rendered":"Better to Invest in Real Innovation than in Wishful Thinking"},"content":{"rendered":"<p class=\"wp-block-paragraph\">We love visions: major technological leaps, new markets, new possibilities \u2013 from the space economy to longevity. These kinds of \"moonshots\" that regularly make the headlines are fascinating and inspiring \u2013 and they will indeed shape parts of our future.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Still, a sober counterpoint is worth making: as attractive as this future music sounds, as a society and as investors we should first invest in what prevents us from undermining our own foundations. Because without stable ecological and physical conditions, every high-tech story eventually becomes secondary.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">What good is longevity if the planet is no longer livable?<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\">1) Moonshots require a functioning \"Planet Operating System\"<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Radical bets on the future assume that we have time, energy, stable infrastructure, and social stability. Yet this is exactly where today\u2019s greatest risks lie: climate, resources, extreme weather, water availability, biodiversity. <a href=\"https:\/\/bicon.li\/en\/2025\/08\/01\/klimakrise-als-ausloeser-der-naechsten-finanzkrise\/\">If this foundation falters, costs, uncertainty, and conflict potential rise \u2013 and with them the risk to everything that lies \"far out\" in the future.<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2) The \"unspectacular\" innovations are the prerequisite for everything else<\/h3>\n\n\n\n<p class=\"wp-block-paragraph translation-block\">When prioritising today, one quickly ends up with innovations that may be less glamorous but are systemically essential:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"translation-block\"><strong>Green tech &amp; energy efficiency: \n<\/strong>renewables, storage solutions, building renovation, industrial efficiency<\/li>\n\n\n\n<li class=\"translation-block\"><strong>Decarbonisation:<\/strong> electrification of processes, clean heat, industrial transformation<\/li>\n\n\n\n<li class=\"translation-block\"><strong>Resilience &amp; climate adaptation: <\/strong>water, agriculture, infrastructure, disaster preparedness<\/li>\n\n\n\n<li class=\"translation-block\"><strong>Resource efficiency:<\/strong> circular economy, recycling, material substitution<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">These are not \"nice to have\" sectors \u2013 they are drivers of stability and productivity, with real demand and strong structural tailwinds.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3) A pragmatic investment logic: core first, visions as satellites<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You can have both \u2013 future ambition and responsibility \u2013 if you weight them properly:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"translation-block\"><strong>Core: <\/strong>focus on climate, energy, and resilience solutions that measurably reduce risk and can scale.<\/li>\n\n\n\n<li class=\"translation-block\"><strong>Satellites: <\/strong>a limited allocation to frontier bets such as space or longevity \u2013 with the expectation that many will take a long time and not all will succeed..<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This keeps you progressive without being driven by narratives alone.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Conclusion<\/h3>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph translation-block\">Thinking about the future is important. <strong>But order matters: first, invest in technologies that stabilise our foundations of life. <\/strong>Then future visions are not only exciting \u2013 they also rest on solid ground.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>We love visions: major technological leaps, new markets, new possibilities ... <\/p>\n<p class=\"read-more-container\"><a title=\"Better to Invest in Real Innovation than in Wishful Thinking\" class=\"read-more button\" href=\"https:\/\/bicon.li\/en\/2025\/12\/30\/lieberl-in-konkrete-innovationen-investieren\/#more-7727\" aria-label=\"Read more about Lieber in konkrete Innovationen investieren als in Luftschl\u00f6sser\">Read Article<\/a><\/p>","protected":false},"author":1,"featured_media":6982,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_uag_custom_page_level_css":"","ub_ctt_via":"","advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","generate_page_header":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[13,23,16],"tags":[31,30,53],"class_list":["post-7727","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assetmanagement","category-innovation","category-strategy","tag-english","tag-german","tag-oekonomie-oekologie-serie","infinite-scroll-item","masonry-post","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-50","no-featured-image-padding"],"featured_image_src":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2025\/03\/35dcf9d3-a1ca-4fd6-9f0e-583fb2db7c02-1-e1768848096293.jpg?fit=1024%2C660&ssl=1","author_info":{"display_name":"Volkmar Ritter","author_link":"https:\/\/bicon.li\/en\/author\/wm\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Lieber in konkrete Innovationen investieren als in Luftschl\u00f6sser | BICon<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bicon.li\/en\/2025\/12\/30\/lieberl-in-konkrete-innovationen-investieren\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lieber in konkrete Innovationen investieren als in Luftschl\u00f6sser | BICon\" \/>\n<meta property=\"og:description\" content=\"Wir lieben Visionen: grosse technologische Spr\u00fcnge, neue M\u00e4rkte, neue M\u00f6glichkeiten ... 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Es gibt im Banking viele Beispiele von Innovationen f\u00fcr zus\u00e4tzliche Effizienz. Man denke beispielsweise an Neo-Banken, SEPA Instant Payments, elektronische B\u00f6rsen, Trading Apps oder Robo-Advisors. Alle befassen sich mit klassischen Bankprodukten und -services\u2026","rel":"","context":"In &quot;Artificial Intelligence&quot;","block_context":{"text":"Artificial Intelligence","link":"https:\/\/bicon.li\/en\/category\/artificialintelligence\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2022\/03\/img_2467.jpg?fit=1200%2C711&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2022\/03\/img_2467.jpg?fit=1200%2C711&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2022\/03\/img_2467.jpg?fit=1200%2C711&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2022\/03\/img_2467.jpg?fit=1200%2C711&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2022\/03\/img_2467.jpg?fit=1200%2C711&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":1466,"url":"https:\/\/bicon.li\/en\/2018\/11\/16\/token-oekonomie\/","url_meta":{"origin":7727,"position":1},"title":"Token-\u00d6konomie","author":"Volkmar Ritter","date":"2018-11-16","format":false,"excerpt":"Im Vernehmlassungsbericht der Liechtensteinischen Regierung zum Blockchain-Gesetz wird oft die Token-\u00d6konomie und deren Anwendungspotential angef\u00fchrt. Ich werde versuchen anhand einer Anwendung, bei der keine physischen G\u00fcter oder Anteilsrechte an den Token gebunden sind, die neuartigen M\u00f6glichkeiten einer solchen Token-\u00d6konomie zu skizzieren. Partizipation und Mitbestimmung aller Stakeholder Ein Social-Media-Netzwerk ist im\u2026","rel":"","context":"In &quot;Blockchain&quot;","block_context":{"text":"Blockchain","link":"https:\/\/bicon.li\/en\/category\/blockchain\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2018\/11\/Token%C3%96konomie-e1542645990642.jpg?fit=1200%2C621&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2018\/11\/Token%C3%96konomie-e1542645990642.jpg?fit=1200%2C621&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2018\/11\/Token%C3%96konomie-e1542645990642.jpg?fit=1200%2C621&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2018\/11\/Token%C3%96konomie-e1542645990642.jpg?fit=1200%2C621&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2018\/11\/Token%C3%96konomie-e1542645990642.jpg?fit=1200%2C621&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":4743,"url":"https:\/\/bicon.li\/en\/2022\/03\/05\/krisen-und-der-durchbruch-von-disruptiven-innovationen\/","url_meta":{"origin":7727,"position":2},"title":"Krisen als Katalysatoren f\u00fcr Fortschritt","author":"Volkmar Ritter","date":"2022-03-05","format":false,"excerpt":"Lernen durch Einsicht, Erfahrung und Nachahmung Das Lernen ist ein zentraler Mechanismus der menschlichen Entwicklung, der auf drei grundlegenden Ans\u00e4tzen basiert: Einsicht, Erfahrung und Nachahmung. W\u00e4hrend Lernen durch Einsicht als die intelligenteste und zukunftsweisendste Methode gilt, dominieren in der Praxis oft die anderen beiden Ans\u00e4tze. Dies hat tiefgreifende Implikationen f\u00fcr\u2026","rel":"","context":"In &quot;Innovation&quot;","block_context":{"text":"Innovation","link":"https:\/\/bicon.li\/en\/category\/innovation\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2022\/12\/img_8794.png?fit=1024%2C624&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2022\/12\/img_8794.png?fit=1024%2C624&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2022\/12\/img_8794.png?fit=1024%2C624&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2022\/12\/img_8794.png?fit=1024%2C624&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":2650,"url":"https:\/\/bicon.li\/en\/2020\/10\/15\/innovation\/","url_meta":{"origin":7727,"position":3},"title":"So, What Really Is Innovation?","author":"Volkmar Ritter","date":"2020-10-15","format":false,"excerpt":"Neben der Digitalisierung ist Innovation wohl eines der meist benutzten Schlagw\u00f6rter im Wirtschaftsjargon der letzten Jahre. Doch was ist eigentlich eine Innovation? Hilfreich hierbei ist die Abgrenzung zur Invention resp. einer Erfindung im eigentlichen Sinne. Eine Erfindung ohne unmittelbare wirtschaftliche Anwendung oder Nutzen ist eine Invention. Die erfolgreiche Umsetzung am\u2026","rel":"","context":"In &quot;Client Management&quot;","block_context":{"text":"Client Management","link":"https:\/\/bicon.li\/en\/category\/clientmanagement\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2020\/10\/innovation.jpg?fit=1200%2C800&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2020\/10\/innovation.jpg?fit=1200%2C800&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2020\/10\/innovation.jpg?fit=1200%2C800&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2020\/10\/innovation.jpg?fit=1200%2C800&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2020\/10\/innovation.jpg?fit=1200%2C800&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":7140,"url":"https:\/\/bicon.li\/en\/2025\/08\/01\/klimakrise-als-ausloeser-der-naechsten-finanzkrise\/","url_meta":{"origin":7727,"position":4},"title":"Klimakrise als Ausl\u00f6ser der n\u00e4chsten Finanzkrise?","author":"Volkmar Ritter","date":"2025-08-01","format":false,"excerpt":"Geopolitische Risiken, Kriege und wirtschaftliche Unsicherheit dominieren derzeit die Schlagzeilen. Die Klimakrise scheint medial in den Hintergrund ger\u00fcckt zu sein. Und doch: W\u00e4hrend wir \u00fcber Z\u00f6lle, Kriege, Migration und R\u00fcstungsbudgets diskutieren, h\u00e4ufen sich un\u00fcbersehbar die Hitzerekorde, D\u00fcrren, Waldbr\u00e4nde und \u00dcberschwemmungen \u2013 auch in Europa. Was dabei zunehmend verdr\u00e4ngt wird: Der\u2026","rel":"","context":"In &quot;Asset Management&quot;","block_context":{"text":"Asset Management","link":"https:\/\/bicon.li\/en\/category\/assetmanagement\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2025\/07\/980dcb12-07ad-4719-8848-8d8ddef820af.png?fit=1200%2C686&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2025\/07\/980dcb12-07ad-4719-8848-8d8ddef820af.png?fit=1200%2C686&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2025\/07\/980dcb12-07ad-4719-8848-8d8ddef820af.png?fit=1200%2C686&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2025\/07\/980dcb12-07ad-4719-8848-8d8ddef820af.png?fit=1200%2C686&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2025\/07\/980dcb12-07ad-4719-8848-8d8ddef820af.png?fit=1200%2C686&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":3588,"url":"https:\/\/bicon.li\/en\/2021\/03\/17\/die-zukunft-des-digital-banking\/","url_meta":{"origin":7727,"position":5},"title":"Die Zukunft des Digital Banking","author":"Volkmar Ritter","date":"2021-03-17","format":false,"excerpt":"Da das Banking Gesch\u00e4ft per se digital stattfindet, sind Banken schon seit Jahrzehnten mit der Digitalisierung im urspr\u00fcnglichen Sinne, also dem digitalen Verarbeiten von ehemals analogen Informationen (EDV), besch\u00e4ftigt. Auch die digitale Vernetzung von Markteilnehmern \u00fcber die Unternehmensgrenze hinaus ist in der Bankenwelt nichts wirklich Neues, eher schon so alt,\u2026","rel":"","context":"In &quot;Client Management&quot;","block_context":{"text":"Client Management","link":"https:\/\/bicon.li\/en\/category\/clientmanagement\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2021\/03\/Digital-Banking-1.jpg?fit=1200%2C675&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2021\/03\/Digital-Banking-1.jpg?fit=1200%2C675&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2021\/03\/Digital-Banking-1.jpg?fit=1200%2C675&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2021\/03\/Digital-Banking-1.jpg?fit=1200%2C675&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2021\/03\/Digital-Banking-1.jpg?fit=1200%2C675&ssl=1&resize=1050%2C600 3x"},"classes":[]}],"publishpress_future_action":{"enabled":false,"date":"2026-07-10 21:29:51","action":"change-status","newStatus":"draft","terms":[],"taxonomy":"category","extraData":[]},"publishpress_future_workflow_manual_trigger":{"enabledWorkflows":[]},"_links":{"self":[{"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/posts\/7727","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/comments?post=7727"}],"version-history":[{"count":0,"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/posts\/7727\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/media\/6982"}],"wp:attachment":[{"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/media?parent=7727"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/categories?post=7727"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/tags?post=7727"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}