Recognized, trusted, proven.

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2025 Chartis Category Leader in 7 RiskTech Quadrants

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Trusted by Banks in 20+ Countries Worldwide

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Implementation in Weeks

NICHE & SMALL BANKS CHALLENGED

Managing Complexity Within Existing Resources

For small banks, ALM, Liquidity and Regulatory Reporting are becoming increasingly demanding, while teams and resources remain limited. Over time, processes often evolve around spreadsheets, point tools and manual workarounds rather than a single, connected approach. Each function may have its own inputs, calculations and checks, leaving the team to reconcile information before ALCO meetings or regulatory deadlines. 
The challenge becomes more visible under pressure. An error may only surface during review. A regulatory question can take longer to answer when the underlying data sits across different systems. And when ALCO needs a new scenario or management needs a consolidated view, the team has to spend time bringing the information together before it can focus on the decision itself. 
ALCO Report

What Mirai Brings to Niche & Small Banks

Two connected modules, ALM & Liquidity and Regulatory Reporting, running on a single platform, giving niche and small banks dedicated capability across both without adding tech complexity, specialist headcount, vendor dependencies or cost surprises.

Mirai ALM & Liquidity - SB

Mirai ALM & Liquidity

Delivers ready-to-use ALM and liquidity models that don't need vendor support to configure, so a basic change doesn't mean opening a ticket and waiting on a response. Risk and profitability sit side by side in one view, NII, margin and liquidity, and what-if scenarios run automatically instead of being assembled by hand ahead of every ALCO meeting.

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Mirai Regulatory Reporting - SB

Mirai Regulatory Reporting

Generates compliant reports automatically in regulator-aligned templates, with no manual formatting or reconciliation before submission. Validation checks catch errors before they go out, replacing the fragile manual process that tends to break under tight deadlines or a last-minute regulator question, with full report history available to review at any time.

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What Your Current Setup Can't Do

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Zero Hidden Costs

  • No extra charges for updates, new templates or regulatory changes.
  • Transparent, predictable pricing from day one.
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Zero-Downtime Upgrades

  • Cloud-native architecture: updates roll out automatically, with zero downtime and no infrastructure to maintain.
  • No added cost and no separate implementation project.
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Real-Time Regulatory Updates

  • New rules and templates are incorporated as they're published.
  • No waiting on vendor release cycles to stay compliant.
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Contract-Level Traceability

  • Every figure across ALM, Liquidity and Regulatory Reporting traces back to its source contract.
  • No black box. Full lineage available at any point for regulators, auditors or model validation.
Julio Bello

We needed the ALCO to have a clear, consolidated view and the right insights to make fast, informed decisions. Mirai’s cloud-native solution and deep regulatory expertise made them the perfect choice.

Julio Bello

Chief Risk and Compliance Officer at Aresbank

Run ALM and Regulatory Reporting Without Adding Complexity

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FAQ

Everything You Need to Know About Mirai Solutions for Niche & Small Banks

  • Is Mirai suitable for small and niche banks?

    Yes. Mirai provides dedicated ALM, Liquidity and Regulatory Reporting capabilities without requiring additional specialist headcount or complex technology infrastructure. The platform is designed to reduce the manual work and operational effort involved in running these processes. 

  • Can small banks run ALM and liquidity scenarios without relying on vendor support?

    Yes. Mirai provides ready-to-use ALM and liquidity models that can be configured without vendor support. This allows teams to make basic configuration changes themselves rather than relying on support tickets for routine adjustments. 

  • How does Mirai reduce manual work in regulatory reporting?

    Mirai automates the process from data load through to regulatory report generation. Reports are produced in regulator-aligned templates, with validation checks performed before submission. This removes manual formatting, reconciliation and checking steps that would otherwise sit between the bank's data and its regulatory reports. 

  • Can Mirai help small banks prepare for ALCO meetings?

    Yes. Mirai brings Net Interest Income (NII), margin and liquidity analysis into the same environment and allows what-if scenarios to be run automatically. This reduces the need to manually assemble information from different sources before an Asset and Liability Committee (ALCO) meeting. 

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