Moody's

The United States’ 250th anniversary of its independence on July 4, 2026, offers an opportunity to reflect on one of the enduring themes of the country’s development: the role that financial discipline, institutional credibility, and evolving approaches to risk have played in supporting growth over time.

With the United States preparing to celebrate 250 years since the adoption of the Declaration of Independence in 1776, this July 4 offers a chance to consider some of the essential building blocks that underpin a nation’s creation.

Jesse Nickerson Two hundred and fifty years ago, a nation was founded on a proposition that was, at its core, a wager.

Omar Khan An inflection point Asset management is in the midst of an inflection point with generative artificial

What role can catastrophe models play in building a credible, decision-grade view of risk across parties involved in financing and insuring data centers?The second part of this blog series explores how probabilistic modeling can help structure coverage to better align developers’ and lenders’ requirements with the available (re)insurance capacity, with a small, worked example used throughout to anchor the discussion.

Speed to decision is becoming a defining factor in modern lending. As competition increases, banks are trying to move from application to funding faster while maintaining consistent risk controls. What was once a differentiator is now almost an expectation.

Adam Grossman Ph.D. David Loughran Taro Ramberg Key takeaways

Michael Steel and Colin Holmes reflect on Moody's being ranked #1 in the Chartis Research Insurance Risk Analytics50 2026 rankings and winning in 15 categories, and outline Moody's approach of working with customers to develop and implement solutions that deliver decision-grade insights ready to make an impact on their businesses.

Explore how fraud tactics combining impersonation and threats are evolving, and what this may mean for financial crime risk management.

The pressure is on for actuarial teams to deliver more - faster, richer insights to a growing range of stakeholders - but teams are still having to use an operating model designed for a different era.But as David Fihrer and Stephen Carlin outline with the launch of Moody's AXIS Cloud, making an old operating model run faster is not the answer. Future success requires insurers to reimagine and rebuild how actuarial work is done.AXIS Cloud offers a new operating model with a managed cloud platform built for performance, using the same trusted AXIS models and workflows, and a foundation to build upon, ready to integrate and accommodate future innovations such as AI.