AI and GenAI

Generative AI (GenAI) is a once-in-a-generation opportunity to do even more for our customers. We’re making strategic investments in this cutting-edge technology to become the leading source of insights on exponential risk.

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AI in action
Moody's advantage
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Moody's and the power of Generative AI

Driving innovation forward

Our embrace of GenAI represents a giant leap in our ongoing innovation journey, where technology and talent unite as the cornerstones of our organization.

Delivering premier solutions

Together, they work hand-in-hand to enhance human capability, not replace it, ensuring we help deliver premier solutions that help our customers understand and get ahead of exponential risk.

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Unlocking generative AI’s potential: insights from Moody’s 2024 GenAI Adoption Survey

Moody's latest global survey reveals an interest in GenAI across various industries, despite adoption challenges due to regulatory uncertainties and company restrictions. With a strategic approach to harnessing this innovative technology, our findings underscore GenAI’s transformative impact on workflows and employee experiences. We’re committed to engaging with our customers and demystifying this technology to increase both awareness and positive change.

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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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Our approach to GenAI

Evolve with urgency

Moody’s continues to be at the cutting edge of GenAI. In a matter of months, we established a partnership with some of the biggest names in GenAI to combine advanced GenAI technology with our proprietary data and analytics to rapidly develop our own state-of-the art platform.

Empower our people

GenAI is a human enabler, not a replacement, and we expect each of our 14,000 employees to help drive groundbreaking experimentation, sparking new innovations across our suite of products, while enhancing their teams' productivity.

Prioritize customers

Technology isn’t just a tool we use, its core to what we do. From AI solutions to machine learning to natural language processing, Moody’s invests in innovations and technologies that prioritize our customers and deliver them the greatest value and impact.

Our commitment to responsible AI use

As AI technologies continue to evolve, we have established a set of principles to foster a culture of thoughtful, responsible AI deployment.

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Moody's AI in action

01 Research Assistant

Research Assistant

As part of our GenAI roadmap, Moody’s Research Assistant provides customers with an immediate and comprehensive view of risk. Available across multiple channels, Moody’s Research Assistant will quickly compile and summarize complex information in an easy to use, easy to access, and safe, secure environment.

KYC decisioning

Utilizes AI and Machine Learning on our proprietary datasets to significantly accelerate and improve the quality of KYC decisions, reducing false positives by >80% and onboarding times for new customers from hours to minutes. 

RMS RiskLabs

Moody’s RMSTM Risk Labs is a place where technology experts, software engineers, insurance industry professionals, and our customers come together to preview and discuss new risk innovations and prototypes.

Sentiment analysis

Generates real-time signal and sentiment outputs on nearly 1 million news stories a day, expediting risk evaluation and decision-making.

Loan portfolio monitoring

CreditLens Monitor is a solution built for data-powered decision making and helps you understand behaviors, measure performance, and gain a dynamic risk assessment view of your loan portfolio.

Spreading

Employs AI and Machine Learning to rapidly digitize financial data from public and private companies in a user-friendly interface that allows an analyst to review and approve the machine output.

Research Assistant

KYC decisioning

RMS RiskLabs

Sentiment analysis

Generates real-time signal and sentiment outputs on nearly 1 million news stories a day, expediting risk evaluation and decision-making.

Loan portfolio monitoring

CreditLens Monitor is a solution built for data-powered decision making and helps you understand behaviors, measure performance, and gain a dynamic risk assessment view of your loan portfolio.

Spreading

Employs AI and Machine Learning to rapidly digitize financial data from public and private companies in a user-friendly interface that allows an analyst to review and approve the machine output.

Leading the way: Customer GenAI roadmap

At Moody’s, we’re leading the way by designing a new class of products to accelerate growth. Our suite of GenAI-enabled solutions will help deliver increasing levels of values to our customers.

Navigators

Navigators leverage an AI-powered, natural language user interface to help our customers get the most out of our products.

From Banking Cloud Navigator to IRP Navigator and more, we’re making strides to improve existing product experiences and ease of use.

QUIQ Skills

Backed by specialized GenAI capabilities, our QUIQ Skill releases including QUIQMemo and QUIQAlert, are aimed at connecting Moody’s data, content, and analytics.

We’re designing these Skills to deliver automation and provide the necessary tools to drive productivity and insight for our customers.

Assistants

We’re driving new insights and use cases by integrating and synthesizing across all GenAI capabilities with Research Assistant, Banking Assistant, Insurance Assistant, and more.

Combining Skills and customized prompt engineering, our Assistants help address customer needs regarding GenAI adoption in their daily workflows.

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

Research and insights

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Microsoft

Roadmap to empowering your workforce with AI: How Moody’s Copilot ignited AI innovation

It’s time to turn the hype about AI at your company into real outcomes. While many companies spent the past year talking about AI, a team of innovators at Moody’s developed and quickly launched their custom enterprise Copilot to thousands of employees. The approach drove productivity and innovation across the company and led to a series of AI product launches throughout the year.

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Moody's

Towards interactive smart screening with generative AI in KYC workflows

KYC processes can benefit significantly from GenAI chat-based workflows as it provides a natural, human-friendly user experience, and while we’re not there yet, Moody’s is exploring how best to harness these advancements in natural language processing.

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Moody's

Automation, AI, and the future of lending

The explosive emergence of ChatGPT, Google Bard and other remarkable, new generative AI applications clearly indicate the time of Artificial Intelligence (AI) has finally arrived.

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Moody's

The era of GenAI-powered banking

While GenAI is anticipated to have a significant economic impact across all industries, the financial services industry, in particular banking, stands to benefit significantly.

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Moody's

AI’s potential to simplify investment banking

How are banks starting to use Generative AI for efficiency gains? Sourish Sarkar from Moody's, recently spoke to The American Banker about how banks are using large language models to fulfil their ESG investment requirements.