Credit Rating Incentives Management Marketing 
Harvard Business Review
AUGUST 11, 2011
That doesn't mean they were infallible, but it was pretty clear what they were up to and what their incentives were. regulators followed suit — credit ratings are now mentioned almost 2,000 times in the Federal Register. Lots of overseas regulators and private investors have come to rely on the ratings as well.
Harvard Business Review
MAY 17, 2017
This helps to prove their identity, cutting down on fraud and creating market efficiencies. Global trade, with local regulation facilitated by technology, works because technology makes the transaction costs manageable. The system currently serves a billion people. The usefulness of blockchain has similar promise.
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