New Technologies
Technological innovation, from artificial intelligence to blockchain, is disrupting financial services, autos, agriculture and other sectors, creating opportunities for new market entrants and risks for industry incumbents that are slow to adapt.
  • SUMMARY
  • REPORTS

  • Sector Comment
    18 May 2022|Moody's Investors Service
    While increased usage of cryptocurrencies can facilitate faster transactions for households and increase financial inclusion, it also entails significant risks for emerging markets in particular. These include operational risks (cyber and fraud), reduced government control over monitoring the financial system and increased ability to circumvent capital controls.

    Sector Comment
    04 May 2022|Moody's Investors Service
    The imposition of international sanctions on Russia following its invasion of Ukraine has raised questions as to whether cryptocurrencies, including Bitcoin, can be used to circumvent sanctions and restore Russian individuals' and the government's ability to, at least partially, conduct financial transactions. Given the ruble-to-crypto market's limited size and low liquidity, for now, cryptoassets are unlikely to provide a viable and efficient solution for sanctions evasion.

    Sector In-Depth
    31 Mar 2022|Moody's Investors Service
    Our survey of global debt issuers’ cybersecurity practices shows that organizations across industries are becoming more vigilant of cyber threats although preparedness levels vary. There is wide adoption of basic cyber defense practices, but the use of advanced defenses is not as prevalent.

    Sector Comment
    15 Mar 2022|Moody's Investors Service
    For both cryptocurrency exchanges and established securities exchange peers, increased clarity around the regulatory rules of engagement for digital assets would generally be credit positive.

    Sector Comment
    08 Mar 2022|Moody's Investors Service
    Tesla’s car insurance business, which offers cheap cover by using real time driving data to accurately assess accident risk, will push the industry to enhance its own data-led underwriting. 

    Issuer In-Depth
    01 Mar 2022|Moody's Investors Service
    Toyota’s significantly increased battery electric vehicle (BEV) sales target will allow it to catch up in this segment versus its peers. We estimate BEVs could account for a third of Toyota’s unit sales by 2030 if its push succeeds, making it a significant BEV competitor in global markets.

    Sector In-Depth
    15 Feb 2022|Moody's Investors Service
    New, digital-only challenger banks are growing rapidly across the globe. Some have achieved outstanding cost efficiency and profitability.

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    Podcast
    26 Jan 2022|Moody's Investors Service
    Helena Kingsley-Tomkins and Paulette Truman of the Insurance team discuss how tech is transforming the insurance business, from connected devices that help prevent injuries and accidents to auto manufacturers entering insurance distribution. Plus, Sonny Hsu of the Banking team discusses the results of the Hong Kong Monetary Authority’s first climate stress test of banks, and Jasper Cooper of the Insurance team talks about the scope of insured losses from the recent Marshall wildfire in Colorado.​​

    SECTOR COMMENT
    25 Jan 2022
    A well-designed central bank digital currency would be a faster, easily accessible form of public money that is free from credit and liquidity risk, but would increase disintermediation and funding risks for banks and payments system providers.

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    Podcast
    18 Jan 2022|Moody's Investors Service
    Colin Ellis of the Credit Strategy & Research team and Farooq Khan of the Financial Institutions team join host William Foster to discuss why central banks around the world are exploring the launch of digital currencies and their potential disruptive effects across the financial system.​