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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250 Documents

Title	Issuer/Entity
Sovereigns – Global: Digital technologies likely to enhance credit profiles for countries that leverage benefits while managing disruptions 12 NOV 2019\|Sector In-Depth\|MOODY'S INVESTORS SERVICE The benefits from automation, AI and digitalization are likely to be spread unevenly because of differences in environments conducive to innovation, fiscal buffers and wealth.
Banking – France: French banks face challenges in maintaining their dominant position in payment services 28 OCT 2019\|Sector In-Depth\|MOODY'S INVESTORS SERVICE French banks retain key roles in the payment value chain but competition, regulation and high investment costs pose challenges to their dominant position.
Life Insurance – US: Robo underwriters transform a once cumbersome process 24 OCT 2019\|Sector Comment\|MOODY'S INVESTORS SERVICE Many US life insurers are turning to automated underwriting systems, making a once lengthy process much more efficient.
Bank VTB, PJSC: VTB and Rostelecom's plan to build a big data platform is credit positive for VTB 21 OCT 2019\|Issuer Comment\|MOODY'S INVESTORS SERVICE In line with its strategy VTB is building up its ecosystem via big data partnership with Rostelecom and several large companies from telecom, construction and insurance sectors.	Bank VTB, PJSC
Ping An Life Insurance Company of China, Ltd., Ping An P&C Insurance : Ping An Group's technology business drives franchise growth and benefits to insurance operations 17 OCT 2019\|Issuer In-Depth\|MOODY'S INVESTORS SERVICE The parent group's growing forays into internet-based services is benefitting its insurance subsidiaries.	Ping An Life Insurance Company of China, Ltd. Ping An P&C Insurance Company of China, Ltd.
Moody's - Digital currencies have promise beyond niche applications but constraints remain 15 OCT 2019\|Research Announcement\|MOODY'S INVESTORS SERVICE Financial service providers, big tech, and fintech companies are on the front lines competing in the crypto market
Technology & Innovation – Global: Digital currencies have promise beyond niche applications but constraints remain 15 OCT 2019\|Sector In-Depth\|MOODY'S INVESTORS SERVICE As mainstream entities take steps to launch digital currencies or explore their use in operations, attention on potential efficiencies, scalability, security and reliability is rising.
Business Services – Global: Digitalisation to drive customer relationship management growth over next five years 10 OCT 2019\|Sector In-Depth\|MOODY'S INVESTORS SERVICE 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.
Fintech – Brazilian Payments Processing: Bank of the Future : Competition slashes acquiring fees, with integrated incumbents better positioned 07 OCT 2019\|Sector In-Depth\|Bank of the Future\|MOODY'S INVESTORS SERVICE Card payment acquiring competition will be driven by fintechs in a high growth market. Integrated incumbents to be better off but technology represents a threat to card payment processors
Banking – Europe: PSD2 will increase incumbents’ costs and liquidity requirements 02 OCT 2019\|Sector In-Depth\|MOODY'S INVESTORS SERVICE The European Union’s second payment services directive will add to presssure on incumbent banks’ margins by encouraging price transparency and product unbundling.

Title	Issuer/Entity
Sovereigns – Global: Digital technologies likely to enhance credit profiles for countries that leverage benefits while managing disruptions 12 NOV 2019\|Sector In-Depth\|MOODY'S INVESTORS SERVICE The benefits from automation, AI and digitalization are likely to be spread unevenly because of differences in environments conducive to innovation, fiscal buffers and wealth.
Banking – France: French banks face challenges in maintaining their dominant position in payment services 28 OCT 2019\|Sector In-Depth\|MOODY'S INVESTORS SERVICE French banks retain key roles in the payment value chain but competition, regulation and high investment costs pose challenges to their dominant position.
Life Insurance – US: Robo underwriters transform a once cumbersome process 24 OCT 2019\|Sector Comment\|MOODY'S INVESTORS SERVICE Many US life insurers are turning to automated underwriting systems, making a once lengthy process much more efficient.
Bank VTB, PJSC: VTB and Rostelecom's plan to build a big data platform is credit positive for VTB 21 OCT 2019\|Issuer Comment\|MOODY'S INVESTORS SERVICE In line with its strategy VTB is building up its ecosystem via big data partnership with Rostelecom and several large companies from telecom, construction and insurance sectors.	Bank VTB, PJSC
Ping An Life Insurance Company of China, Ltd., Ping An P&C Insurance : Ping An Group's technology business drives franchise growth and benefits to insurance operations 17 OCT 2019\|Issuer In-Depth\|MOODY'S INVESTORS SERVICE The parent group's growing forays into internet-based services is benefitting its insurance subsidiaries.	Ping An Life Insurance Company of China, Ltd. Ping An P&C Insurance Company of China, Ltd.
Moody's - Digital currencies have promise beyond niche applications but constraints remain 15 OCT 2019\|Research Announcement\|MOODY'S INVESTORS SERVICE Financial service providers, big tech, and fintech companies are on the front lines competing in the crypto market
Technology & Innovation – Global: Digital currencies have promise beyond niche applications but constraints remain 15 OCT 2019\|Sector In-Depth\|MOODY'S INVESTORS SERVICE As mainstream entities take steps to launch digital currencies or explore their use in operations, attention on potential efficiencies, scalability, security and reliability is rising.
Business Services – Global: Digitalisation to drive customer relationship management growth over next five years 10 OCT 2019\|Sector In-Depth\|MOODY'S INVESTORS SERVICE 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.
Fintech – Brazilian Payments Processing: Bank of the Future : Competition slashes acquiring fees, with integrated incumbents better positioned 07 OCT 2019\|Sector In-Depth\|Bank of the Future\|MOODY'S INVESTORS SERVICE Card payment acquiring competition will be driven by fintechs in a high growth market. Integrated incumbents to be better off but technology represents a threat to card payment processors
Banking – Europe: PSD2 will increase incumbents’ costs and liquidity requirements 02 OCT 2019\|Sector In-Depth\|MOODY'S INVESTORS SERVICE The European Union’s second payment services directive will add to presssure on incumbent banks’ margins by encouraging price transparency and product unbundling.