AI’s impact on credit: Sector shifts and regional dynamics
AI is changing how industries operate — but the pace of adoption and regional disparities are key to determining who wins and who loses. Key takeaways:
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Take a deeper dive into insights from Moody's Ratings' analysts to discover how AI and the digital economy AI might transform credit landscapes around the world.
Speed of AI advances will shape corporate credit over the next five years
Our heatmap points to winners and losers across the corporate world as emerging artificial intelligence tools roll out through 2030. The pace of advances and regional disparities will play a key role. (Also available in: Español, Portugués.)
Digital currency growth, inconsistent regulation amplify countries' financial risks
Fragmented regulatory approaches to digital currencies and crypto assets heighten financial risks in countries where growth and penetration rates are high, especially in emerging markets. (Also available in: عربي.)
Use of digital cash in economic statecraft will likely influence monetary sovereignty
If designed carefully, digital cash – including stablecoins, tokenized bank deposits and central bank digital currencies – is a tool to lower reliance on foreign currencies for international trade.
Nations push for AI sovereignty to capture economic, geopolitical gains
A nation’s ability to develop, use and control its own AI systems is becoming a defining factor of economic competitiveness and geopolitical power.
State-sponsored cyberattacks are a growing credit risk for critical sectors
Companies and organizations offering essential services like energy, finance, healthcare, telecommunications and software supplies are prime targets.
Companies’ weak rules on use of AI tools pose growing risk of data breaches
Our 2025 cyber survey shows that companies face increasing dangers as artificial intelligence tools become embedded in their business operations.
New technologies are reshaping global power dynamics
Artificial intelligence and new forms of digital cash, such as stablecoins, are becoming tools of geopolitical influence, while rising cyber threats are testing operational resilience across borders.
Interested in learning more about the digital economy and how technological innovations can affect credit risk across the globe? Visit our digital economy insights hub below.