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@olivereverling
Different Models, Different Truths: Why Credit Risk Depends on Perspective
In financial markets, disagreements are often interpreted as evidence that one side must be wrong. Yet some of the most important debates in modern finance emerge not from errors, but from fundamentally different ways of looking at the same phenomenon. The recent discussion surrounding structured finance ratings illustrates precisely this tension. In his essay “Rating Structured Securities –…
Sovereign Ratings in an Age of Sanctions: Why the Creditor’s Jurisdiction Matters
The traditional logic of sovereign credit ratings rests on a seemingly straightforward question: will a borrower be able and willing to service its debt in full and on time? Yet the geopolitical fragmentation of the global financial system increasingly demonstrates that this question can no longer be answered solely by analysing the debtor state itself. The legal and political environment of the…
AI and the Future of CRAs: From Analytical Tool to Institutional Infrastructure
The credit rating industry is entering a period of structural transformation that mirrors the changes currently unfolding across asset management. The debate is no longer about whether artificial intelligence will support rating analysts through incremental efficiency gains. Instead, the central question is whether AI will redefine the operational and intellectual foundation upon which credit…
For the First Time: A VR Event Puts 3D Financial Analysis at the Center of Industry Debate
On May 7, 2026, the X-NIGHT “Finance & XR” event will mark a notable moment in the evolution of financial industry dialogue by moving it into an immersive virtual space. Organized as part of IMMERSIVE X, the event brings together professionals from finance, technology, and innovation inside a fully virtual environment, where discussion and experience merge. Rather than relying solely on…
Capital Markets in Transition: How Structural Change, Digital Innovation, and Pension Reform Are Redefining Credit Ratings
The “Capital Markets Day 26” at the Frankfurt School of Finance & Management provides a comprehensive and highly structured view of a capital market ecosystem undergoing profound transformation. Across macroeconomic analysis, pension reform, market infrastructure, and digital innovation, a clear narrative emerges: capital markets are no longer primarily shaped by efficiency and globalization, but…
How AI Governance Strengthens Credit Ratings: The Mercedes-Benz Approach to Responsible Innovation
The discussion on responsible AI at the conference hosted by the Frankfurt School of Finance & Management highlighted an increasingly relevant question for capital markets: how AI governance frameworks influence the creditworthiness of large corporates. Using the example of the Mercedes-Benz Group AG, insights shared by Patrick Kappler-Henne illustrated how a structured and operationalized…
Balancing Innovation and Sovereignty: AI, Cloud Strategy, and the Future of Financial Sector Ratings
The conference “Finanzdienstleister der nächsten Generation,” hosted by the Frankfurt School of Finance & Management, once again brought together senior leaders from banking, regulation, technology, and academia to explore how digital transformation is reshaping the financial sector. This year’s agenda focused strongly on the interplay between generative AI, cloud infrastructures, and governance…
Drone Defense as a New Corporate Risk Factor
The rapid proliferation of drone technology is reshaping the security landscape for private companies, raising the question of whether counter-drone capabilities will evolve from a technical safeguard into a material factor in corporate risk assessment and credit ratings. As drones become increasingly affordable and technologically advanced, their potential use in asymmetric attacks against…
Finland, Happiness, and Creditworthiness: How Societal Strength Translates into Strong Credit Ratings
In recent years, Finland has consistently ranked as the happiest country in the world, most recently reaffirmed by the World Happiness Report 2026. While happiness might seem like a purely social or cultural metric, it also has profound implications for economic performance and, ultimately, sovereign credit ratings. A closer look reveals that the same structural factors driving well-being also…
Moody’s Move to the Blockchain: A Turning Point for the Future of Credit Rating Agencies
The recent announcement by Moody’s Corporation marks a potentially transformative moment for the global credit rating industry. By launching its Token Integration Engine™ (TIE) and becoming “the first credit rating agency to ingest analytical data and share credit insights on-chain,” Moody’s is not merely adopting new technology—it is redefining how credit analysis can function in an increasingly…
Spatial Computing, Open Web Architectures and Credit Ratings: Strategic Implications of WebSpatial for Apple and the Vision Pro
Spatial computing is increasingly viewed not merely as a product innovation cycle but as a structural shift in how digital value is created, distributed, and monetized. For large technology companies, positioning within this shift can influence long-term revenue resilience, ecosystem control, capital allocation priorities, and ultimately investor confidence. Because credit ratings reflect an…
Moody’s Expansion into Saudi Arabia
The recent announcement by Moody’s Corporation that it will establish a regional headquarters in Riyadh signals a notable shift in the global financial ecosystem. The company explained that the new presence reflects “confidence in Saudi Arabia’s strong economic momentum” and demonstrates a commitment to supporting capital markets development in the Kingdom and broader Middle East. This decision…
VR in Banking: From VR Group to Virtual Reality
The VR app developed by Universal Investment marks a bold step into a new dimension of financial communication. Available on the Meta Quest platform, it is widely regarded as the first application from the German banking sector to enter virtual reality in this form. Instead of presenting financial data through traditional charts or slides, the app transforms complex investment topics into…
Why Credit Ratings Matter for Everyone: What Estonia’s Missing S&P Rating Means for Institutional Investors and Everyday Savers
Credit ratings are often perceived as technical tools for bond traders and institutional investors. In reality, they play a much broader role. They influence how governments finance themselves, how banks raise capital, and ultimately how safe ordinary savers feel when placing money in a fixed-term deposit or savings account abroad. The recent case of Estonia, which no longer holds an S&P rating,…
Awards for the Best Asset Managers 2026: M.M.Warburg & CO Overall Winner at the firstfive Gala in Frankfurt
At the very festive firstfive Gala in the Villa Bonn in Frankfurt am Main, the best asset managers of the year 2026 were honored in front of an exclusive audience. Accompanied by first-class chamber music performed by violinist David Baban with piano accompaniment by Jiyun Kim, who played works by Grażyna Bacewicz, Johannes Brahms, Claude Debussy, Wolfgang Amadeus Mozart and Niccolò Paganini, the…
Qualcomm’s Credit Ratings: A Strong Investment-Grade Profile in a Competitive Sector
Qualcomm Inc., the U.S.-based semiconductor and wireless technology leader, holds a solid investment-grade credit profile supported by strong fundamentals and prudent financial management. Across major credit rating agencies, Qualcomm’s ability to meet financial commitments and sustain access to capital markets is viewed favorably – a critical advantage in a cyclical and capital-intensive…
Roblox’s Credit Risk Trajectory: From Market Stress to Stabilization
Roblox Corporation has experienced a pronounced shift in its credit risk profile over recent years, reflecting both sector-wide volatility and company-specific improvements. According to the credit risk assessment prepared by martini.ai, Roblox operates “as a leading online platform enabling users to create and engage in immersive 3D experiences,” while simultaneously pursuing a growth strategy…