The AI world is undergoing a paradigm shift and January started off with a bang.

As we reflect on the entry of Deepseek, the new disruptive Chinese AI tool in the market, the expansive geopolitical reach of technology presents an opportunity to consider the impact that this revolution could have on credit ratings.

Governance pertains to the mechanisms through which a sovereign exercises power and authority in determining the direction in which the country is going. Governance matters to sovereign credit ratings, especially in the context of elections where voice and participation are paramount. In this article we look at some of the governance takeaways from the election.

Migration is as old as humanity itself. From ancient nomads to modern-day expatriates, the movement of people across lands and seas has shaped the societies of the world as we know it. But what drives people to leave their home? And how does this movement impact the receiving-country’s credit profile?

The words “credit ratings” naturally make us think about governments, investors, and even large corporate entities. But while we acknowledge that credit ratings are important to these groups, do we ever pause to consider how credit ratings are relevant to each of us?