Disruptive Technologies
Scaling up of digital technologies is accelerating the transformation of traditional businesses. New opportunities are offered by advances in artificial intelligence, machine learning, robotics & autonomous vehicles, but cyber risks are intensifying.
  • Reports
    265 Documents
    17 FEB 2020|Sector Comment|Bank of the Future|MOODY'S INVESTORS SERVICE
    Digital-only banks are challenged to compete in a highly regulated, mature and relatively concentrated market, with high cost of customer acquisition and the need to make large investments.
    13 FEB 2020|Sector Comment|MOODY'S INVESTORS SERVICE
    Tesla's continued move into motor insurance could drive down insurers' profit margins and disrupt the sector if its model succeeds and is replicated widely by other car manufacturers.
    13 FEB 2020|Issuer Comment|MOODY'S INVESTORS SERVICE
    Change in ownership will resolve conflict of interest at the central bank but create a risk of the government influencing Sberbank's business decisions and lending strategy.
    20 JAN 2020|Sector In-Depth|MOODY'S INVESTORS SERVICE
    Securitisations backed by collateral originated under alternative lending models increase the risk and complexity of analysing alignment of interests. However, mitigants reduce such risks.
    13 JAN 2020|Sector In-Depth|MOODY'S INVESTORS SERVICE
    The continued rise in digital users will facilitate further branch reductions, with deposit market share gains accruing to the largest and most innovative banks.
    16 DEC 2019|Issuer In-Depth|MOODY'S INVESTORS SERVICE
    Coles' investments and partnerships in automation, online fulfillment and digital systems are aimed at cutting costs, boosting efficiency and improving online profitability.
    13 DEC 2019|Issuer Comment|MOODY'S INVESTORS SERVICE
    XP Investimentos' leading digital investment platform debuted in the US stock exchange raising $1.15 billion to support its technology-based business model and its new bank in 2020.
    09 DEC 2019|Issuer Comment|MOODY'S INVESTORS SERVICE
    The partnership between Santander Brazil’s fast-growing payment platform Getnet and small and midsize enterprise lender Banco Pine will enhance business opportunities for both.
    04 DEC 2019|Sector In-Depth|MOODY'S INVESTORS SERVICE
    Answers to investors’ recent frequently asked questions on top US media companies including CBS, Viacom, Netflix, and Discovery.
    02 DEC 2019|Sector In-Depth|MOODY'S INVESTORS SERVICE
    Lenders are increasingly originating auto and equipment loans and leases with e-contracts, a move that boosts underwriting efficiency but also raises certain collateral-rights risks for ABS.