Technology and innovation
Financial technologies, artificial intelligence, machine learning, robotics, electric and autonomous vehicles and e-commerce will continue to transform production processes, business models and government regulation. 
  • SUMMARY
  • RESEARCH

  • SECTOR IN-DEPTH
    11 Jul 2019|Moody's Investors Service
    European insurers will have more time to adapt to the spread of connected devices known as the “Internet of Things (IoT)” because the roll-out of fifth generation (5G) mobile networks will be gradual. 5G-enabled IoT, when fully developed, will support technologies such as “smart” homes and driverless cars that threaten to severely disrupt insurers.

    SECTOR IN-DEPTH
    21 Jun 2019|Moody's Investors Service
    Interest is rising among lenders to further incorporate automated valuation models to value properties, a shift that would mitigate some risks but create others. 

    SECTOR IN-DEPTH
    01 Jul 2019|Moody's Investors Service
    New technologies are blurring the lines between industrial hardware and software companies, while customers are still uncertain about how to make use of digitalization.
    Telecommunications - APAC
    Podcast
    27 Jun 2019|Moody's Investors Service
    In this podcast, Singapore-based Corporate Finance Vice-President Senior Analyst Nidhi Dhruv and Associate Managing Director Ian Lewis discuss the status of 5G mobile technology in the Asia Pacific and the challenges surrounding the implementation of 5G technology and monetization of investments.​​​​
    SECTOR IN-DEPTH
    27 Jun 2019|Moody's Investors Service
    ​​Lack of demand and a clear business case for deployment are likely to slow adoption and rollout. Implementation of 5G will also involve network reconfiguration and business model changes.​

    SECTOR COMMENT
    26 Jun 2019|Moody's Investors Service
    Announcements by the Bank of England and the UK government seek to open up small and midsize enterprise banking to greater competition, increasing margin pressure.

    PODCAST
    19 Jun 2019|Moody's Investors Service
    In this episode of Moody's Talks, Associate Managing Director Gene Fang and Assistant Vice President Christian Fang, both of the Sovereign Risk Group, discuss the impact of artificial intelligence on government credit quality. While the technology has the potential to support sovereign creditworthiness over time, it could also raise political and social costs, and institutional challenges.
    SECTOR IN-DEPTH
    19 Jun 2019|Moody's Investors Service
    AI has the potential to raise economic, institutional and fiscal strength, and to reduce event risk. Even with rapid adoption, the credit implications will materialize over decades.

    SECTOR COMMENT
    19 Jun 2019|Moody's Investors Service
    Facebook's cryptocurrency will drive further share gain from cash and may present incremental processing opportunities.

    Podcast
    11 Jun 2019
    In this podcast, Tokyo-based Associate Managing Director Mihoko Manabe and Vice President-Senior Credit Officer Motoki Yanase discuss the advancement of digital technology and the opportunities and challenges it brings to Japanese corporates. ​
    SECTOR IN-DEPTH
    10 Jun 2019|Moody's Investors Service
    Digital technology, which is changing how people travel, shop and work, will have the greatest impact on the auto, retail and office printing sectors in Japan.