According to the Daily Planet, rating agency Moody's released a report saying that blockchain technology that supports cryptocurrencies can help issuers of financial instruments reduce financing costs in the next five years. Although the introduction of these technologies may increase IT costs and require a lot of investment, it can reduce expenses over time. Moody's pointed out that artificial intelligence can reduce the operating expenses of financial institutions by automating manual tasks, while distributed ledger technology can gradually reduce financing costs, especially for smaller issuers.