Moody's

Sardine specializes in providing risk management solutions primarily for the financial services sector. They focus on using artificial intelligence and machine learning to help enterprises manage risks associated with fraud, credit, and compliance. The company aims to serve businesses in the digital economy by offering tools and services that enhance operational efficiency and ensure regulatory compliance.

Cape Analytics, LLC is a technology company that specializes in an artificial intelligence-based geospatial imagery data platform designed for the insurance and reinsurance sectors in the United States. Founded in 2014 and based in Mountain View, California, the company employs deep learning and computer vision to provide instant property intelligence, allowing insurers and property stakeholders to obtain critical property attributes during the underwriting process. This platform offers the precision and detail typically associated with on-site inspections, but with the added benefits of speed and extensive coverage. By streamlining access to valuable property data, Cape Analytics enhances the efficiency of underwriting for real estate and insurance companies.

Cape Analytics, LLC is a technology company that specializes in an artificial intelligence-based geospatial imagery data platform designed for the insurance and reinsurance sectors in the United States. Founded in 2014 and based in Mountain View, California, the company employs deep learning and computer vision to provide instant property intelligence, allowing insurers and property stakeholders to obtain critical property attributes during the underwriting process. This platform offers the precision and detail typically associated with on-site inspections, but with the added benefits of speed and extensive coverage. By streamlining access to valuable property data, Cape Analytics enhances the efficiency of underwriting for real estate and insurance companies.

Praedicat, Inc. is a Los Angeles-based company that develops advanced software solutions for the property and casualty insurance industries, focusing on liability catastrophe risk. Since its incorporation in 2011, Praedicat has aimed to enhance the underwriting process and risk management through its innovative technology. The company's patent-pending software extracts and analyzes information from scientific literature regarding emerging risks, employing a structured approach that incorporates applied legal reasoning and economics. This analysis is designed to inform the core functions of liability insurers and reinsurers, offering them innovative risk measures and visualizations. By transforming emerging risks into opportunities for growth, Praedicat supports its clients in effectively modeling and managing their liability exposures.

MioTech is an artificial intelligence platform that empowers investment managers to better serve their clients in a world of complex data. By integrating and analyzing data from all types of sources, MioTech streamlines the entire investment process, creating an ultimate data-driven investing experience. MioTech has offices in Shanghai and Hong Kong. MioTech is backed by Horizons Ventures, ZhenFund, and prestigious individual investors around the world.

Integrated Aerial Precision is an agritech company that drone service and data anakytics for precision agriculture.

D-Olivette provides a decentralized energy solution for rural communities through products that convert organic waste into biogas and fertilizer.

Hydroponics Gardens Masaka is an agritech company that offers hydroponic fodder, vegetable systems and farming support.

Organic Fields offers an innovative biological, certified organic fertilizing solution to commercial growers in the agricultural.

Women in Energy Sierra Leone Limited manufactures and distributes smart green stove and briquettes for renewable energy solutions.

Akatale on Cloud is a fresh food online market, a digital platform for assessing food quality and life span, and a resource for local farmers and producers to learn about food preservation

Inno-Neat Energy Solutions provides an off-grid clean energy solutions. Inno-Neat Energy develop innovative solar-battery modules for off-grid households, small businesses, and e-mobility applications.

QuantCube Technology is a data analytics company founded in July 2013 by two entrepreneurs with a vision to leverage artificial intelligence and big data for innovative solutions. Initially focused on developing advanced investment strategies within the Fintech sector, the company has evolved into a cross-sector R&D organization that generates value from diverse data sources. QuantCube specializes in macroeconomic and financial predictive analytics, utilizing its proprietary platform to provide real-time insights based on massive amounts of unstructured data. By employing artificial intelligence algorithms and data science techniques, the company enables clients to make informed decisions and improve their analytical capabilities. In addition to its core services, QuantCube is committed to ethical data use and continually explores new challenges, including extending its analytics applications to industries such as space.

SCRiesgo provides risk rating and analysis of issues services to investment funds, financial institutions, and insurance companies.

Octaura is an electronic trading solution created by the industry – for the industry. Backed by eight major US financial institutions, Octaura has reimagined the way the syndicated loan and the CLO markets trade. Efficiency, transparency and simplicity are at the heart of what we do.

Global Credit Ratings is a provider of credit ratings. The company serves 400 customers across 20 countries and is the only rating agency to have a strong presence in multiple geographies across the continent.

kompany is a RegTech platform specializing in global business verification and Know Your Customer (KYC) solutions. Founded in 2012 and headquartered in Vienna, Austria, with additional offices in Singapore and the UK, kompany offers real-time access to primary source, time-stamped company information from over 150 jurisdictions. Its services include an API and a shareholder identification tool known as UBO discovery, which help financial institutions, payment service providers, insurers, and other regulated entities automate their due diligence processes. As a licensed clearing house and official distributor of business registers in various countries, kompany supports clients in adhering to the latest anti-money laundering regulations. The company boasts a diverse team of developers, regulatory experts, and product managers dedicated to enhancing business compliance and verification.

Bogard AB helps to identify persons in politically exposed positions in customer bases in a correct way using Bogards Nordic PEP database.

BitSight, founded in 2011, is a cyber risk management company that offers a platform designed to help organizations assess and manage information security risk. By applying sophisticated algorithms, BitSight generates daily security ratings that range from 250 to 900, enabling users to evaluate third-party risk, underwrite cyber insurance, benchmark security performance, and conduct due diligence in mergers and acquisitions. The company serves a diverse clientele, including seven of the top ten cyber insurers, 20% of Fortune 500 companies, and three of the top five investment banks, making its Security Ratings technology integral to risk management and business decision-making. With over 1,000 customers and a vast ecosystem of users, BitSight is recognized as the most widely used Security Ratings Service in the industry.

RMS provides the "Intelligent Risk Platform" that delivers global risk analytics capabilities as part of Moodys. The platform from RMS brings predictive and probabilistic risk-models, rich risk data, APIs and analytics applications for complete view of your physical, climate, climate change risk. Customer in financial services, insurance industries, public agencies and policymakers harness Intelligent Risk Platform to integrate and analyze the relevant science, data, engineering knowledge, and actual loss experience in the aftermath of a nature-made or man-made catastrophe. Risk Intelligence platform help customers evaluate, price, mitigate, transfer and trade on risks from events caused by earthquakes, wildfires, floods, hurricanes and other events effects of climate change, as well as risks from pandemics, terrorism and cyber risks.

VisibleRisk is a joint venture between Moody's and Team8 that offers a cybersecurity platform designed to help businesses manage cyber risks in financial terms. The platform continuously monitors and assesses cyber threats, providing business leaders with the tools to understand, manage, and communicate these risks effectively. By leveraging expertise in risk measurement and cybersecurity technologies, VisibleRisk develops innovative methods for visualizing cyber threats, enabling clients to enhance their governance and mitigation strategies. Through its solutions, VisibleRisk aims to integrate cybersecurity into the broader financial risk management framework of organizations.

Cortera, Inc. is a provider of business-to-business analytics and cloud-based risk management solutions, specializing in payment and purchase behavior data for both public and private companies. The company tracks $1.6 trillion in business-to-business purchases across 45 spend categories, delivering insights on 20 million U.S. business locations. Its offerings include Cortera Pulse, which monitors credit risk and key events; Boost, which appends scores and insights about customers and suppliers; and Cortera Decisions, an automated scorecard platform. Additionally, Cortera provides eCredit for credit scoring and collections automation, Cortera Traits for real-time statistical modeling, and Connect, an XML web service for accessing proprietary data. With a focus on helping companies understand their customers and partners, Cortera’s solutions enhance revenue generation, improve sales and marketing effectiveness, and mitigate risk. Founded in 1993 and headquartered in Boca Raton, Florida, the company also has offices in Quincy, Massachusetts, and Bengaluru and Coimbatore, India.

ZM Financial Systems, Inc. is a Cary, North Carolina-based company that specializes in developing and supporting analytics software tailored for fixed income and derivatives professionals within the capital markets and banking sectors. Founded in 2003, the company provides a suite of products, including ZMdesk, which offers valuation analytics, market risk management, and portfolio management tools. Additionally, OnlineALM.com serves as a solution for asset liability management, featuring risk management integrations and reporting capabilities. ZM Financial Systems also offers Online Budgeting, a cloud-hosted application designed for the budgeting process in banks and credit unions, along with ZXBondSwap, an analytical tool for evaluating security trades and funding decisions. With a client base of approximately 1,500 financial institutions, the company focuses on delivering advanced financial analytics that address real-world challenges while maintaining user-friendly interfaces. As of December 2020, ZM Financial Systems operates as a subsidiary of Moody's Corporation.

MioTech is an artificial intelligence platform that empowers investment managers to better serve their clients in a world of complex data. By integrating and analyzing data from all types of sources, MioTech streamlines the entire investment process, creating an ultimate data-driven investing experience. MioTech has offices in Shanghai and Hong Kong. MioTech is backed by Horizons Ventures, ZhenFund, and prestigious individual investors around the world.

Acquire Media Corporation is a technology company that specializes in delivering text news and multimedia content via the internet. It provides a comprehensive real-time news management and distribution solution tailored for business professionals, traders, and financial experts. The company's offerings include a real-time news alert system, a news tagged feed for trading strategies, and content management solutions for individuals and workgroups. With the ability to deliver over 650,000 news articles daily, Acquire Media serves clients across the news, digital publishing, and financial services sectors. Founded in 2001 and based in Roseland, New Jersey, Acquire Media operates as a subsidiary of Moody's Corporation.

MARC provides credit ratings and research on issuers of commercial papers, bonds, long-/short-term debts, and preferred shares, as well as asset-backed securities. MARC also offers industry analyses, rating reports, and rating indices for issuers and investors locally and globally.

Quipu is building the first digital bank for the informal economy in LATAM. Using proprietary AI algorithms, Quipu assesses informal microbusinesses’ creditworthiness using over 80,000 alternative data points. Quipu leverages this data to provide working capital loans through a local supply chain financing system that allows microbusinesses to buy supplies, ingredients and materials at wholesale price. The company is building an uncollateralized loan protocol to boost their loan operation. Quipu’s goal is to become the one-stop-shop for financial services for micro-businesses in LATAM providing easy, fair and alternative access to working capital.

SynTao Green Finance Co., Ltd., established in 2015 and headquartered in Beijing, China, specializes in environmental, social, and governance (ESG) data and ratings, as well as green bond verification and consulting services. Operating as a subsidiary of Beijing SynTao Information Technology Co., Ltd., the company serves financial institutions and corporations, offering expertise in responsible investment and green finance solutions. SynTao Green Finance aims to assist businesses in developing sustainable finance strategies, managing ESG risks, and capitalizing on green business opportunities, thereby contributing to a more sustainable future.

RiskFirst is a FinTech company providing risk analytic solutions for the asset management and pension fund communities.

Vigeo Eiris evaluates organisations’ integration of social, environmental and governance factors into their strategies, operations and management – with a focus on promoting economic performance, responsible investment and sustainable value creation.

Reis, Inc., through its subsidiary Reis Services, LLC, specializes in providing comprehensive market information and analytical tools for the commercial real estate sector in the United States. The company maintains a proprietary database that includes data on various types of commercial properties, such as apartments, offices, retail spaces, warehouses, and more, across metropolitan markets and neighborhoods. This information supports real estate investors, lenders, and other professionals in making informed decisions regarding buying, selling, and financing properties. Reis offers a range of products, including Reis SE for larger enterprises, Reis Portfolio CRE for risk managers, and ReisReports for smaller businesses, all of which provide online access to vital market trends, forecasts, and property-specific details. Founded in 1980 and based in New York, Reis, Inc. has established itself as a trusted source for impartial commercial real estate performance information and analysis. It became a subsidiary of Moody's Corporation in 2018.

Omega Performance is a provider of training and consulting for financial services professionals.

Rockport VAL LLC is a provider of cloud-based commercial real estate (CRE) valuation and cash flow modeling tools. VAL is a customer-driven technology company, with an industry-driven solution that is set to equip the fast-paced world of underwriting and valuations with a modern and reliable tool.

CompStak, Inc. is a New York-based company that operates an online database focused on commercial lease comparables, providing comprehensive deal information such as tenant names, addresses, rent, square footage, and landlord concessions. Established in 2011, CompStak employs a crowd-sourced model to collect data from brokers, landlords, appraisers, and researchers, facilitating the exchange of lease comps. The platform is utilized by various stakeholders in the real estate sector, including private equity funds, banks, asset managers, real estate investment trusts, and hedge funds, to conduct asset valuations and analyses prior to significant investments. Additionally, institutional owners leverage CompStak's data to compare properties effectively. The company has formed a strategic partnership with Knowledge Cubed to enhance its data offerings.

Bureau van Dijk specializes in providing comprehensive company information products, primarily focused on private companies and corporate ownership structures. The firm aggregates, cleanses, integrates, and analyzes essential business data, delivering it to clients in the finance, corporate, and public sectors. Through its proprietary software, Bureau van Dijk enables clients to work more efficiently and make well-informed decisions. The company collaborates with various renowned information providers to enhance its offerings and maintain a high standard of data quality.

Finagraph is a business intelligence and analytics platform that caters to lenders, accountants, consultants, and business owners by providing essential financial tools and dashboards. The platform integrates directly with accounting systems to deliver visual insights and key performance indicators, thereby enhancing the efficiency of financial management. Key offerings include a financial dashboard for managing financials, a financial skills training tool for coaching business owners and professionals, and a borrowing base management tool. Additionally, Finagraph hosts seminars covering topics such as financial statement analysis and profit planning. The company also curates a selection of services for procurement, sales tax management, expense reporting, and online business loans. Based in Mercer Island, Washington, Finagraph operates as a subsidiary of Booyami, Inc.

Korea Investors Service is a provider of domestic credit ratings in Korea. Founded in 1985, KIS serves the domestic capital markets in Korea with credit ratings, research and other services. KIS has been a majority-owned affiliate of Moody’s Investors Service since 2001.

BlackBox Logic LLC specializes in providing loan-level data aggregation and processing services for residential mortgage backed securities (RMBS). The company serves a diverse clientele, including investors, broker/dealers, researchers, and academic institutions. BlackBox Logic offers BBx Data, which delivers insights into the characteristics and historical performance of loans underlying RMBS. Additionally, its Crystal Logic platform enables users to extract bond-level and loan-level data, conduct sector and vintage analysis, and perform mortgage market research. The company also offers tailored consulting services to address specific RMBS data needs, including custom analyses, reporting, data processing, modeling support, systems integration, and infrastructure optimization. Founded in 2007 and headquartered in Denver, Colorado, BlackBox Logic operates as a subsidiary of Moody's Corporation.

Equilibrium is a provider of credit rating and research services in Peru and other countries in Latin America.

Lewtan Technologies is a provider of analytical tools and data for the global structured finance market.

Barrie & Hibbert is a prominent provider of risk management modeling tools and stochastic modeling services, primarily serving insurance companies globally. The company specializes in helping clients navigate the uncertainties of financial markets by offering a framework that enables the modeling of economic and asset scenarios. This capability enhances clients' understanding of financial market risks, allowing them to adapt and improve their business performance in an increasingly complex and volatile environment.

Copal Partners provides customized outsourced research, analytics, and consulting services to clients in the financial and corporate sectors.

CSI sets the standard for financial services education in Canada as the most experienced and trusted educator endorsed by regulatory authorities across Canada. Since it was established in 1970 as the Canadian Securities Institute, over three-quarters of a million financial professionals have chosen CSI for their career training and development. In 2007 CSI expanded its educational services with the acquisition of the Institute of Canadian Bankers (ICB). Today, CSI offers one of the most comprehensive suites of courses and programs available to financial services professionals in Canada and around the world. CSI has earned its reputation through relevant, real-world training courses and assessments, innovative educational offerings and expertise ranging from securities to mutual funds, from banking and trust to insurance, from portfolio management to financial planning and wealth management.

enb consulting is a UK-based provider of training services for the financial markets, including technical and soft-skills programs.

Fermat International is a provider of risk and performance management software to the global banking sector.

Mergent Pricing and Evaluation Services is a provider of corporate and municipal bond pricing information.

Wall Street Analytics is a leader in providing sophisticated software products and services to the structured finance markets. The company provides products and support to more than 100 clients around the world including leading asset management firms, investment banks, trustees, and institutional investors. Its CDOnet, CDOcalc, Structured Finance Workstation, Bond Administration Workstation, and ABScalc products are widely recognized for their unique abilities to support detailed analysis of the most sophisticated structured debt products including, collateralized debt obligations (CDOs), mortgage-backed securities (MBS) and asset-backed securities (ABS). Founded in 1987, the company serves the markets from its three main locations in New York, San Francisco and London.

Economy.com, Inc. is a independent provider of economic, financial, country, and industry research designed to meet the diverse planning and information needs of businesses, governments, and professional investors worldwide. Its research has many dimensions: country analysis; financial markets; industrial markets; and regional markets. Economy.com's information and services are used in a variety of ways, including strategic planning; product and sales forecasting; risk and sensitivity management; and as investment research by over 500 clients worldwide, including the largest commercial and investment banks; insurance companies; financial services firms; mutual funds; governments at all levels; manufacturers; utilities; and industrial and technology clients. Economy.com was founded in 1990 and is an employee-owned corporation, headquartered in West Chester, Pennsylvania, a suburb of Philadelphia. It also maintains offices in London, England; Ottawa, Canada; and Sydney, Australia.

Moody's Interfax Rating Agency is a large independent information service provider in Russia. Interfax Rating Agency, which specializes in evaluating credit risk in Russia, signed a strategic cooperation agreement with Moody's Investors Service in October 2001. The Interfax Rating Agency is a member of the Interfax Information Services Group, a leading provider of business and political information from the emerging markets of Europe and Asia. Further information is available at www.interfax.com.

KMV offers credit assessment solutions for lenders, investors, and corporations. It calculates the probability of loss on loan portfolios and the creditworthiness of an individual or business.

Magister is a Buenos Aires-based business risk analysis and credit ratings agency.