Know-how does not, as a rule, constitute a security interest in the technical sense; nevertheless, when it is identifiable, protected, and linked to verifiable economic results, it may significantly affect a company’s prospective repayment capacity and, therefore, its creditworthiness. In the digital economy, the value of know-how increases further when it is integrated with Artificial Intelligence tools capable of transforming knowledge and data into more scalable, predictive, and efficient competitive advantages.
