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.

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    25 Nov 2019|Moody's Investors Service
    David Rogovic and William Foster of the Sovereign team discuss the credit implications of rising cyber risks on governments’ credit profiles. Governments are vulnerable to attack from multiple types of cybercriminals, while increased use of technology in providing government services has created more potential entry points for an attack.
    25 Nov 2019|Moody's Investors Service
    The growing trend toward digitization has increased governments' exposure to cyberattacks. But governments typically oversee large, diversified economies and have fiscal resources that help insulate them from negative effects of an attack, highlighting the generally lower impact of cybercrime against governments than against private companies.

    12 Nov 2019|Moody's Investors Service
    Digital technologies offer sovereigns a range of avenues to strengthen their economic and fiscal profiles. However, the benefits are likely to be spread unevenly because of differences in environments conducive to innovation, fiscal buffers and wealth. Their adoption can also cause substantial disruption such that the net credit enhancements may only be evident after a significant lag.

    24 Oct 2019|Moody's Investors Service
    Rigorous underwriting allows life insurers to price products appropriately, but also adds considerable expense to the bottom line and can make it harder to insure underserved populations. Many US life insurance companies see technology – in the form of automated underwriting software systems – as at least a partial solution to this dilemma.

    18 Oct 2019|Moody's Investors Service
    Big US banks are rapidly expanding their numbers of active mobile customers, but the growth is not yet reflected in domestic deposit market share gains.