Digital Transformation
E-commerce and other digital service delivery will continue to ramp up as a result of rapidly changing consumer habits, with implications for a range of sectors. Changes in digital behavior will also result in increased cyber risk.
  • SUMMARY
  • REPORTS

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    OUTLOOK
    09 Nov 2020|Moody's Investors Service
    Global credit conditions will improve overall in 2021, aided by unprecedented COVID-19-related fiscal and monetary policy support. However, the initial rapid economic rebound is giving way to a patchier, more tenuous recovery as the pandemic proves hard to contain. Six key themes will shape the credit environment in the year ahead: Uneven recovery, policy challenges, rising debt burdens, digital transformation, environmental impact and social trends.
    PODCAST
    09 Nov 2020|Moody's Investors Service
    Anne Van Praagh and Michael Taylor of the Credit Strategy & Research team discuss six key trends that will affect the credit landscape as the world deals with the coronavirus crisis. These include an uneven and inconsistent economic recovery, sharply higher corporate and sovereign debt loads and numerous policy challenges for governments as they grapple with the economic and social consequences of the pandemic.

    SECTOR IN-DEPTH
    09 Nov 2020|Moody's Investors Service
    Our survey of large banks in five Asia-Pacific banking systems – Australia, China, Hong Kong, Japan and Korea – shows an increase in traffic online and the sourcing of deposits via digital channels during the outbreak. However, the region's neobanks have largely stalled in regional market growth.

    PODCAST
    12 Aug 2020|Moody's Investors Service
    Alessandro Roccati from the banking team explains how coronavirus-driven demand for contactless digital financial services, along with remote work, are raising the cyber threat to banks. Plus, Steve Tu of the asset management team looks at how the latest US government intervention in money markets could signal an eventual phaseout of institutional prime funds.​​
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    SECTOR IN-DEPTH
    23 Jul 2020|Moody's Investors Service
    Three behavioral patterns will likely drive long-lasting changes in US consumption: accelerated digitalization, a greater share of time and consumption spent at home, and a transformation of travel, entertainment and leisure activity.
    SECTOR IN-DEPTH
    30 Jun 2020|Moody's Investors Service
    Some developments, such as the benefits of lower borrowing costs or challenges from fiscal austerity, will be immediate. Others, such as telemedicine’s potential transformative effect on the healthcare sector or governments’ need to confront new social mandates, will play out over several years.

    SECTOR IN-DEPTH
    18 Jun 2020|Moody's Investors Service
    The crisis will likely result in fundamental shifts for economies, societies and companies in the coming years. Potential outcomes include weaker long-term economic growth, a prolonged period of extraordinarily low interest rates, and an acceleration of the digital transformation already under way.