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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. 
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  • SUMMARY
  • REPORTS
    • SECTOR-IN-DEPTH
    Digital currencies have promise beyond niche applications but constraints remain
    15 Oct 2019|Moody's Investors Service
    The rising prevalence of digital currencies will shape the development of digital platforms by companies in many different sectors over time. Credit implications for debt issuers will depend on whether they can streamline processes, reduce costs, capture value from customers and adapt to competitive pressure from new entrants.
    SECTOR IN-DEPTH
    Business Services – Global: Digitalisation to drive customer relationship management growth over next five years
    10 Oct 2019|Moody's Investors Service
    Credit quality of CRM providers will benefit from increasing demand for managing multichannel customer interactions. The increasing number of communication channels will drive growth of volume of customer interactions while automation will help drive down costs and support CRM providers' margins.
    SECTOR IN-DEPTH
    Banks – United Kingdom: UK banks digitalize in response to customer and competitor pressure
    02 Oct 2019|Moody's Investors Service
    UK incumbent banks are digitalizing rapidly in response to their customers’ evolving preferences, and because of competitive pressure from a new wave of digital-only lenders and technology-driven finance firms (FinTechs). The UK regulatory environment has also been broadly supportive
    of the FinTech sector.
    SECTOR IN-DEPTH
    Sovereigns – Global: Shift to electric vehicles raising battery metals revenue; governance, infrastructure to shape realisation of potential
    10 Sep 2019|Moody's Investors Service
    The electric vehicle (EV) transformation is driving higher demand for the raw materials used in their batteries, in particular lithium, nickel, cobalt and copper. We expect demand for these metals to grow rapidly into the late 2020s and beyond.
    SECTOR IN-DEPTH
    3D printing has potential to transform production in certain industries, but widescale use likely years away
    13 Aug 2019|Moody's Investors Service
    Greater adoption of 3D printing technology will likely usher in major changes over time for certain industries, with implications for companies' profitability and market shares. For now, however, 3D printing is used primarily in niche applications and represents a small part of global manufacturing.