Tech Shifts and Obsolescence Risks in Structured Finance

About this episode

The episode discusses how technological changes are influencing risk in structured finance sectors like auto ABS, CMBS, and RMBS.

From unsupported EV software to AI‑driven changes in office use and logistics, tech is reshaping collateral performance. Justin Patrie, Head of Fitch Ratings Credit Commentary and Research, and Suzanne Albers, Senior Director in Structured Finance, look at pressure points such as outdated EV systems, shifts in office demand linked to AI adoption, and the widening gap between legacy and modern logistics sites. Taken together, these trends are influencing risk across auto ABS, CMBS, and RMBS and accelerating how these sectors respond to the faster pace of technological change. Related Resources: Accelerating Technology May Increase Obsolescence Risk Within ABS, MBS Stable Arrears Protect European Auto ABS Against Near-Term Risk U.S. CLO Note Ratings Resilient to Severe Software Sector Stress

People in this episode

Host: Justin Patrie

Guest: Suzanne Albers

Topics covered

• technology impact
• structured finance
• obsolescence risk
• collateral performance
• AI in logistics
• office demand shifts

Keywords

• structured finance
• obsolescence risk
• technology
• AI
• collateral performance
• EV systems
• logistics
• office demand

Mentioned in this episode

Organizations: Fitch Ratings, CMBS, RMBS, ABS

Products: EV software

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