Digital transformation

The exponential growth of the digital economy presents both unparalleled opportunities and critical cybersecurity considerations across various industries. The rapid adoption of emerging technologies such as artificial intelligence (AI), blockchain and quantum computing are driving substantial economic and social shifts worldwide. Digitalization fosters optimized processes, efficiencies, and new economic opportunities.

At Moody's, our market-leading research, coupled with our proficiency in cutting-edge technologies, empowers our customers to capitalize on emerging trends. Our commitment to information integrity ensures resilient and trustworthy recommendations in a dynamic business landscape.

Digital economy - how tokenization is transforming assets and markets

Bits, bytes and basis points

By making alternative assets easier to own and trade, tokenization can reshape secondary markets.

Read report

Featured insights

Mar 20, 2024 Moody's Ratings

Fast Finance: Klarna’s rapid AI boost bodes well for other banks

Artificial Intelligence

Mar 20, 2024 Moody's Ratings

2023 Cyber Survey - Escalating cyberthreats drive up budgets as banks fortify defenses

Cyber Risk

Mar 12, 2024 Moody's Ratings

Blockchain can bring rigor and efficiency to ESG management, data and reporting

Digital Assets

Mar 4, 2024 Moody's Ratings

Convergence of AI and blockchain could recode multiple industries

Digital Assets
Artificial Intelligence

Artificial intelligence

Rapid AI advances will have transformative micro effects, but slower macro impact. As firms integrate AI into their offerings, new products and customer behaviours may help generate increased revenues.

View all artificial intelligence insights

research

Mar 11, 2024

Moody's Ratings

Pharmaceutical and medical devices companies will gain most from AI rollout

Health-related companies will benefit overall from greater use of AI, but some sectors will gain more than others.

Read

research

Feb 29, 2024

Moody's Ratings

Klarna's new AI assistant drives material credit improvement sooner than expected

Company's claim chatbot will generate $40 million profit boost this year suggests AI credit impact could come faster than expected.

Read

podcast

Feb 20, 2024

Moody's Ratings

Artificial intelligence has potential to transform many types of companies

Artificial Intelligence or AI is predicted to have a profound impact on many areas of business. In this episode of Behind the Bonds we assess where AI innovation is already showing significant potential.

Listen

research

Jan 29, 2024

Moody's Ratings

Arizona State University and OpenAI's partnership signals growing AI opportunities

Emerging partnerships between universities and technology companies to utilize artificial intelligence in education, research and other areas present substantial opportunities for innovation

Read

Digital assets

Digitalization of finance, through new payment technologies and the spread of blockchain and digital tokens, assets and currencies, will reshape business models and financial systems.

Learn more about digital assets

View all digital asset insights

research

Apr 15, 2024

Moody's Ratings

Islamic finance could reap blockchain's benefits if debate over permissibility is resolved

The technology aligns with Shariah principles on transparency, reducing fraud and streamlining compliance, though digital assets' potential for anonymity and speculation pose a challenge

Read

research

Mar 20, 2024

Moody's Ratings

FCA approves crypto-linked ETNs, signaling growing acceptance of crypto assets

UK regulator limits approval to use by professional investors, citing risks for retail consumers.

Read

research

Mar 06, 2024

Moody's Ratings

New digital asset custody guidance for banks could boost digital finance market

The Hong Kong Monetary Authority issued regulatory guidance for firms offering digital asset custodial services, as well as guidance on the sale and distribution of tokenized securities.

Read

research

Feb 07, 2024

Moody's Ratings

As popularity of tokenization platforms grows, so do risks to investors

Risks stem from the platforms' limited track record and lack of standardization.

Read

Cyber risk

The growing intersection of supply chains, connectivity and access to data is increasing the potential for significant cyberattacks, creating new risks for governments and businesses worldwide.

View all cyber insights

podcast

Moody's Ratings

Banks and financial regulators work to stay ahead of rising cyber threats

As cyberattacks rise and AI poses new dangers, Moody’s analysts discuss banks’ own views of their cybersecurity defenses and explain the EU’s plan to rein in risks from third-party tech providers.

Listen

research

Mar 11, 2024

Moody's Ratings

Pension system cyber exposure is ultimately a risk for sponsoring governments

While state and local governments are responsible for the costs of any cyberattacks suffered by their pension systems, the credit effect of such attacks has thus far been minimal.

Read

research

Mar 08, 2024

Moody's Ratings

Providers continue to suffer disruption from Change Healthcare cyberattack

Hospitals, physician practices and other providers continue to endure disruption from a cyberattack on Change Healthcare, largely because of an inability to file claims for weeks.

Read

research

Mar 07, 2024

Moody's Ratings

Stringent new tech rules for banks and their IT providers will improve cybersecurity

The European Union's Digital Operational Resilience Act will impose direct financial regulator oversight on some of the world's largest technology companies for the first time.

Read

Who We Serve

Solutions

Capabilities

Insights

About Us

Support

Digital transformation

Digital economy - how tokenization is transforming assets and markets

Bits, bytes and basis points

Featured insights

Fast Finance: Klarna’s rapid AI boost bodes well for other banks

2023 Cyber Survey - Escalating cyberthreats drive up budgets as banks fortify defenses

Blockchain can bring rigor and efficiency to ESG management, data and reporting

Convergence of AI and blockchain could recode multiple industries

Artificial intelligence

Pharmaceutical and medical devices companies will gain most from AI rollout

Klarna's new AI assistant drives material credit improvement sooner than expected

Artificial intelligence has potential to transform many types of companies

Arizona State University and OpenAI's partnership signals growing AI opportunities

Digital assets

Islamic finance could reap blockchain's benefits if debate over permissibility is resolved

FCA approves crypto-linked ETNs, signaling growing acceptance of crypto assets

New digital asset custody guidance for banks could boost digital finance market

As popularity of tokenization platforms grows, so do risks to investors

Cyber risk

Banks and financial regulators work to stay ahead of rising cyber threats

Pension system cyber exposure is ultimately a risk for sponsoring governments

Providers continue to suffer disruption from Change Healthcare cyberattack

Stringent new tech rules for banks and their IT providers will improve cybersecurity

Who We Serve

Solutions

Capabilities

Contact Us

Moody's Integrity Hotline

Company Information

Regulatory