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Explore the latest thought leadership from Moody's Ratings




AI infrastructure boom reshapes credit risk across big tech

Unprecedented capital investment is making tech companies increasingly asset-heavy, while the SpaceX IPO and potential offerings from OpenAI and Anthropic highlight the scale of financing required.





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digital
research
Material AI credit benefits for financial companies will take time to crystallize

Measurable gains are modest so far, but AI promises sustainable cost efficiencies and revenue growth for those banks, insurers and asset managers able to integrate it successfully.

Moody's
research
EU bank reforms to spur growth would ease capital mobility, lower some capital thresholds

EU banks operating across borders would benefit from more flexible capital management, but capital charges for exposures including mortgages and software investments would fall, a credit negative.

Moody's
research
Financial buffers shield Asia-Pacific commodity producers from policy-driven credit risks

Indonesia's export controls, quotas and levies blur the cash-flow outlook for commodity producers, while China and India intervene selectively. Strong liquidity and balance sheets shield most issuers.

Moody's
research
The risks of quantum computing's future are already here

Quantum technology raises the risk of hackers exploiting the encryption securing today's economy faster than industries can adapt. A loss of confidence in the digital economy is the immediate risk.

cargo
research
New US tariffs preserve broad exemptions, but sector risks linger

The new rates are largely aligned with now-expired, broad-based 10% tariffs. But ongoing investigations into excess capacity and national security concerns could reshape tariffs for some sectors.

Moody's
research
Latin American banks' asset risk rises amid stress for consumers and small enterprises

At banking systems across the region, inflation, macroeconomic shifts and changing credit dynamics are weakening borrowers' ability to repay their loans on time.

Moody's
research
Middle East and North Africa outlook turns negative as conflict weakens credit conditions

Renewed conflict and resulting trade disruptions will weigh on growth, fiscal and external positions, and investor confidence across the region in the next 12-18 months – but effects will vary.

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