Using AI isn't transforming
“Everyone has or is adopting AI, but very few are transforming. And the difference between the two is ultimately what is going to show up in credit quality.”
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Charleyne Biondi is a VP in the Digital Finance and Digital Assets team, leading the policy and regulatory research surrounding emerging technologies.
Before joining Moody’s Digital Economy team, Charleyne worked as a political science researcher at Columbia University in the City of New York and at the Center for Political Research at Sciences Po (CEVIPOF), focusing on the philosophy of technology and the societal implications of digital transformation.
Charleyne holds a dual Ph.D. in political theory from Columbia University and Sciences Po. She is a published author and pursues her research interests as a senior fellow and technology expert at the Montaigne Institute in Paris. Prior to her Ph.D., she worked as an analyst at J.P. Morgan Chase and graduated from a Master of Finance at Sciences Po Paris and Fundaçao Getulio Vargas in Sao Paulo, Brazil.