Innovating with purpose

Driving growth with cutting-edge technology and a world-class team, Moody’s is at the forefront of creating, adapting, and applying advanced technologies in financial risk assessment.

By prioritizing innovation and technology, Moody's aims to provide more sophisticated, comprehensive, and customizable solutions to customers while staying ahead in a rapidly evolving landscape.

From our exploration into quantum computing to designing a suite of GenAI-enabled solutions, we're taking significant steps to help our customers find new and effective ways to navigate risk.

Tech pillars
AI transforms risk
Research Assistant
BankingOnTech

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Ready to meet the challenges of tomorrow

The era of Exponential Risk demands an unwavering commitment to rapid innovation.

At the forefront

At Moody’s, we are at the forefront, constantly seeking to advance and harness state-of-the-art technologies to ensure we are ready to meet the risks of tomorrow head on.

Guided by our mission

We are prepared for the challenges ahead, no matter how big or small, because we are guided by our mission, bolstered by over 100 years of innovation, and committed to harnessing the potential of advanced technologies and talented people.

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Speak to our team today

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We're always innovating

Moody’s named Most Innovative Financial Technology Company in North America by the Global Finance Innovators Awards 2024

Powered by Microsoft, anchored by Moody's

We are developing next-gen research, collaboration, and risk assessment solutions using Moody’s robust data and analytical capabilities in combination with the power and scale of Microsoft Azure OpenAI Service.

Tech pillars

AI and ML

Over the last decade, Moody’s has leveraged the power of Artificial Intelligence (AI) and Machine Learning (ML) to build advanced credit risk models and automated data extraction solutions that reduce manual effort and increase efficiency. Today, our embrace of GenAI represents a giant leap in our ongoing innovation journey, where technology and talent unite as the cornerstones of our organization.

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SaaS

Our SaaS solutions empower customers to drive efficiency and enhance business outcomes. Through best-in-class SaaS technology, employing a customer-centric approach and an agile framework, our solutions constantly evolve to cater to the rapidly changing needs of our customers.

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Digital transformation

Digital transformation is revolutionizing finance and business. The ability to see more, and to understand an increasingly interconnected web of business relationships, requires an unprecedented level of intelligence and insight.

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Digital finance

As the world's financial markets embrace new technologies, Moody's is at the forefront, offering tailored solutions to meet the demands of the Digital Finance (DiFi) era. With our deep expertise in risk assessment and financial analytics, we provide advanced tools and insights to navigate the evolving landscape of digital assets, decentralized finance, and blockchain technology.

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Quantum

The finance industry may be one of the first to benefit from quantum computing, with many use cases which require substantial amounts of live data and complex computational tasks. We are excited to announce a quantum leap forward with our exploration of this emerging technology.

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How can Artificial Intelligence transform risk and compliance?

500 compliance and risk leaders and professionals around the world participated in our survey:

8 in every 10 respondents...

...expect widespread adoption of AI within the next 5 years.

3 in every 10 respondents...

...believe their firm has clean or sufficient quality data.

5 in every 10 respondents...

...say ensuring transparency and explainability of AI decision making is the most important safeguard.

Read the report

Introducing Moody's Research Assistant

Combining the latest in GenAI technology with Moody’s proprietary data, including credit ratings and research from Moody’s Ratings, Moody’s Research Assistant empowers our customers to unlock deeper insights into risk in an instant.

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Bringing technology closer to you

In an ever-changing world of exponential risk and regulatory pressure, banks must anticipate and react to change faster than ever. Resilience is critical to success, requiring you to evolve technologically to remain competitive.

Through a continuous cycle of research, development, and expert partnerships, Moody’s is committed to delivering the latest innovative technology within our banking solutions to our customers reliably and securely.

We leverage the power of technology such as AI, SaaS, cloud computing, machine learning, and APIs to deliver business efficiencies through interoperability, scalability, and automation.

#BankingOnTech

Technology also enhances your decision-making by bringing Moody’s tools, data, and analytics together and closer to you so you can use our advanced expertise in an intuitive, seamless way. At Moody’s, we’re unlocking the next generation of technology and putting it to work for you.

Innovation insights

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Moody's

A study on AI in compliance: Insights into the use of AI in risk management and compliance

Moody’s has conducted an extensive global study into attitudes, adoption, and use cases for AI in the world of risk management and compliance. Our study consisted of interviews with global AI and innovations specialists, and a survey of 550 risk and compliance practitioners from banking, fintech, insurance, asset management, and other sectors across 67 countries.

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Moody's Ratings

Cross-chain bridges critical to blockchain interoperability, but threaten its security

Cross-chain bridges allow separate blockchains to work together and share data, meeting a critical industry need. But recent cyberattacks highlight their vulnerabilities.

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Moody's

Quantum computing in financial services: A business leader’s guide

Quantum has the potential to create a paradigm shift that would revolutionize the way financial services tackle complex problems, but our research indicates firms have not yet allocated budgets for quantum initiatives.

Download report

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Moody's Ratings

Digital bonds’ features could transform debt markets over time

While digital bond issuances remain small, they have accelerated in recent quarters. This technology could transform debt markets over time, although many hurdles remain.

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Moody's Ratings

Emerging technologies will reshape companies, industries and economies

Artificial intelligence and distributed ledger technologies like blockchain are poised to transform companies, industries and economies, bringing new efficiencies and new products but also risks.