Tag: Technology
-
Rating the Backbone: The Crucial Role of Credit Ratings in Assessing Systemically Important Tech Giants
In a world increasingly driven by a small number of powerful technology firms, the importance of timely and accurate credit ratings has never been higher. Companies such as TSMC, ASML, Microsoft, Apple, Google, Nvidia, Amazon, Meta, SAP, Oracle, Huawei, Ericsson, and ARM form the digital backbone of modern economies. Any disruption in their operations —…
-
Moody’s Delivers in Q2 — But Familiar Questions Linger
Moody’s Corporation posted a strong financial performance in the second quarter of 2025, continuing its momentum amid a complex and often volatile macroeconomic landscape. The company reported a 4% increase in revenue compared to the same quarter last year, with adjusted operating margin rising by 130 basis points to 50.9%. Adjusted diluted EPS also grew…
-
Why the Demands of the eIDAS Position Paper Would Enhance the Accuracy of Ratings
The introduction of the EUDI Wallet and the establishment of a trustworthy and widely adopted eIDAS ecosystem offer transformative potential—not only for digital administration and consumer services, but also for the world of credit ratings and risk assessments. Implementing the five demands outlined in the July 2025 position paper would significantly strengthen the foundations for…
-
After FINMA’s Greensill Ruling: Should Big Banks Rely Less on Rating Agencies and More on Internal Credit Research?
The collapse of Greensill Capital and the subsequent enforcement proceedings against Credit Suisse by the Swiss Financial Market Supervisory Authority (FINMA) offer a stark warning to the global banking sector. The comprehensive FINMA report, which details severe organizational failures and risk blind spots within Credit Suisse Asset Management (CSAM), raises a fundamental question: should large…
-
Cyber Resilience, AI, and Growth: Shaping the Next Generation of Banking
The 20th annual conference of the Frankfurt School Forum brought together influential leaders, academics, and technology experts to explore the transformation of financial services in an era of unprecedented digital, geopolitical, and regulatory challenges. Under the banner “Next-Generation Financial Services 25: Cybersecurity, Threat Intelligence, Gen AI, Resilience,” the event highlighted critical success factors for resilient,…
-
The Relevance of EBA’s ESG Scenario Analysis Guidelines for Credit Rating Agencies
As climate change and broader sustainability considerations increasingly shape financial risk landscapes, the European Banking Authority’s (EBA) recent Guidelines on ESG Scenario Analysis represent a pivotal regulatory milestone. While primarily targeted at credit institutions, these guidelines carry substantial implications for credit rating agencies (CRAs), whose methodologies must keep pace with evolving definitions of risk. Aligning Credit Risk Assessment…
-
Analysis of the FiDA Proposal from a Credit Rating Agency Perspective
The proposed Financial Data Access Regulation (FiDA) aims to enhance competition and innovation in the European financial market by facilitating data sharing. However, the Deutsche Kreditwirtschaft (DK) has raised significant concerns regarding its implementation, arguing that it imposes excessive burdens on financial institutions and lacks a well-defined scope. From the perspective of a credit rating…
-
Charting the Future: Unveiling the Strategic Insights of ‘Big Picture: 2025’
The FERI Cognitive Finance Institute (FCFI) has recently published its groundbreaking study, “Big Picture: 2025,” offering an unprecedentedly comprehensive and multifaceted analysis of the key global trends that are set to shape the near future. This publication, rooted in the Institute’s innovative Cognitive Finance methodology, brings together 35 core scenarios from six interconnected domains: politics,…
-
Moody’s Acquisition of Numerated: Implications for the Credit Rating and Lending Industry
Moody’s Corporation (NYSE: MCO) has announced the acquisition of Numerated Growth Technologies (Numerated), a cutting-edge loan origination platform tailored for financial institutions. This move strengthens Moody’s Lending Suite capabilities, offering banking clients a comprehensive, end-to-end solution for loan origination and monitoring. The acquisition, which builds on a partnership initiated in early 2024, marks a significant…
-
The Growing Role of AI in Financial Markets: Implications for Rating Agencies Relying on Artificial Intelligence
OpenAI has been at the forefront of the artificial intelligence (AI) revolution, significantly capturing public attention with the release of its language model, ChatGPT. Now, OpenAI is on the brink of another significant transformation: its shift toward becoming a profit-driven entity. As reported by Brice Prunas, portfolio manager of ODDO BHF Artificial Intelligence, OpenAI is…
-
CleanTech Rating: CleanTech Investment and Financing – Companies and Projects
Oliver Everling (Editor): Cleantech Rating: Investment and Financing of Cleantech – Companies and Projects, Kindle Edition (Amazon Media EU S.à rl), RATING EVIDENCE GmbH, 1st Edition Frankfurt am Main 2015, 268 pages, ASIN: B00QFNHAQ8. “Cleantech” is not a new buzzword, but names the consistent continuation of a fundamental trend. Clean technologies encompass all products and…
^^^ RATING EVIDENCE GmbH 