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. 
  • Reports
    250 Documents
    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.
    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.
    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.
    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.
    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.
    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
    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.
    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.
    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
    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.