Whitepapers and Guides

Integrated RegTech & RiskTech: Unlocking Strategic Value | Mirai Whitepapers

Olmo Vázquez — Tue, 22 Sep 2026 13:26:32 GMT

Unify Risk & Regulatory Insight To Gain Speed, Clarity, and Supervisory Confidence.

Why Are Banks Moving Beyond Compliance to Integrated RegTech and RiskTech?

Financial institutions now operate in a landscape where volatility is part of the norm. Supervisory expectations continue to rise, and traditional architectures struggle to deliver the efficiency the industry requires. Legacy systems once played a crucial role in earlier regulatory cycles, but the context they were built for no longer exists.

Years of incremental changes, mergers, and regulatory updates have left many institutions with fragmented platforms, duplicated assumptions, and complex data flows that demand constant reconciliation.

These architectures were never designed for a world where customer behavior shifts within hours, monetary policy moves rapidly, and regulators expect full end-to-end traceability.

As a result, too much analytical capacity is spent preparing data instead of generating strategic insight.

“Beyond Compliance: Unlocking Strategic Value Through Integrated RegTech and RiskTech” addresses this challenge directly.

The whitepaper outlines a forward-looking framework for unifying RegTech and RiskTech into a single, data-driven ecosystem that strengthens governance, improves decision velocity, and increases supervisory confidence.

For CROs, CFOs, and senior risk leaders, it demonstrates how modern platforms align data, models, and governance, all supported by cloud-native architectures. The result is a shift where compliance becomes a source of strategic value. For banks seeking more resilient balance sheet management, this publication provides a clear direction forward.

DORA & Cloud-Driven Resilience for Financial Institutions | Mirai Whitepapers

Javier Arranz — Tue, 22 Sep 2026 13:17:57 GMT

A practitioner guide for CISOs, risk managers, and cloud architects navigating DORA's requirements for operational resilience and third-party governance.

What Is DORA and Why Does It Matter for Financial Institutions?

The Digital Operational Resilience Act (DORA), adopted in 2022 and enforced from January 2025, marks a turning point for the European financial sector. For the first time, a single regulatory framework unifies fragmented ICT risk management rules—replacing overlapping national and sector-specific standards with one coherent set of obligations that applies equally to financial institutions and their third-party technology providers.

DORA's premise is realistic rather than pessimistic: incidents are inevitable. What matters is whether institutions can respond, recover, and maintain trust. The regulation formalizes a mindset shift; resilience is no longer a reactive measure but a measurable, enforceable operational capability.

In practice, DORA affects three interconnected dimensions:

Risk management must now extend beyond internal systems to cover the entire supply chain, including fourth-party providers.
Organizational governance must evolve, with cross-functional coordination among risk, compliance, and IT functions approved by the board.
And technological infrastructure must support rapid recovery, continuous monitoring, and documented exit strategies, requirements that cloud-native environments are uniquely positioned to meet.

This whitepaper explores how migrating from on-premises infrastructure to cloud environments reshapes DORA compliance and how resilience-by-design becomes both a regulatory obligation and a competitive advantage.

Modernizing Balance Sheet Management: Big Data, Cloud & AI | Mirai Whitepapers

Luis Estrada — Tue, 22 Sep 2026 13:15:03 GMT

A practitioner guide for treasury, ALM and risk teams navigating the shift from legacy infrastructure to cloud-native, AI-ready BSM platforms.

What Is Holding Balance Sheet Management Back?

Balance Sheet Management is at a tipping point. Most institutions still run on legacy architecture built for a different era; systems that take weeks to process scenarios, require manual reporting cycles, and limit platform access to a small group of specialists.

The gap is structural.

Big Data, Cloud, and AI have matured into enterprise-ready technologies across other industries, yet BSM has been slow to adopt them. Meanwhile, regulatory demands under IRRBB, Basel IV, and EBA guidelines have grown to a scale that legacy systems cannot support without significant manual intervention.

This whitepaper explores how Big Data, Cloud Computing, and AI can be applied pragmatically to BSM, grounded in a real-world case study of a global systemically important bank.

AI in BSM: Applications, Frameworks & Insights | Mirai Whitepapers

Luis Estrada — Tue, 22 Sep 2026 13:11:37 GMT

Artificial Intelligence has moved well beyond research labs and pilot projects; it is now actively reshaping how financial institutions manage risk, allocate capital, and plan for the future. This transformation is particularly significant in Balance Sheet Management (BSM) and Asset and Liability Management (ALM), where traditional methods relied on inflexible models and labor-intensive processes.

Capital Regulation: A Complete Guide to Basel, EU, UK and US

Mirai RiskTech — Mon, 07 Sep 2026 06:00:00 GMT

A complete reference for capital planning, regulatory implementation and cross-jurisdictional strategy, from the foundations of bank capital through to where the framework is heading next.

Capital Regulation Explained for Banking Professionals

Capital regulation sets out how much loss-absorbing capital a bank must hold against the risks it takes on. Basel III established a common global standard after the 2008 financial crisis, covering minimum capital ratios, leverage, buffers, resolution planning and supervisory review.

The problem practitioners face today is not the standard itself. It is that Basel III no longer produces the same capital framework everywhere. The EU, UK and US have each implemented the same rules on different timelines and with different calibrations, and that divergence is now the main operational challenge for any financial institution managing capital across borders.

IRRBB Regulation Guide: Basel, EU, UK and US

Mirai RiskTech — Wed, 12 Aug 2026 08:37:21 GMT

A complete regulatory reference for treasury, ALM, and risk teams navigating interest rate risk in the banking book after the 2024 shock scenario recalibration.

What Is IRRBB Regulation and Why Does It Matter Now?

Interest Rate Risk in the Banking Book, or IRRBB, is the risk to a bank's capital and earnings from movements in interest rates. It sits outside Basel's Pillar 1 capital framework, treated instead as a Pillar 2 risk that depends heavily on each institution's own assumptions about deposits, prepayments and repricing behavior.

Global Liquidity Risk Regulation Guide: Basel, EU, UK, US

Mirai RiskTech — Fri, 24 Jul 2026 12:26:11 GMT

A detailed reference on LCR, NSFR, ILAAP and supervisory reporting for treasury, ALM and risk professionals working across more than one jurisdiction.

What Is Liquidity Risk Regulation, and Why Does It Matter Now?

Liquidity risk regulation exists because a bank can be solvent and still fail if it cannot meet its payment obligations when they fall due. Since the 2007/08 crisis, supervisors have built a framework around two core ratios, the Liquidity Coverage Ratio and the Net Stable Funding Ratio, supported by internal governance, stress testing and standardized reporting.

The Cost of Balance Sheet Fragmentation: A Five-Year TCO Analysis

Olmo Vázquez — Tue, 30 Jun 2026 08:39:44 GMT

A five-year TCO analysis of fragmented versus integrated ALM, FTP, and Regulatory Reporting

€21.54M in 5-Year TCO Savings | €16.22M NPV | 229% ROI | Payback Within Year 1

Banks running Regulatory Reporting, ALM, FTP, and Financial Planning on separate platforms are paying more than they realize. This whitepaper quantifies that cost and shows what consolidating onto a single integrated balance sheet management software environment delivers in practice.

Credible ILAAP and ICAAP Frameworks for SREP Scrutiny | Mirai Whitepapers

Miguel Angel Penabella — Thu, 28 May 2026 09:52:18 GMT

A practitioner guide to integrated scenario simulation, stress testing and behavioral modeling for treasury, ALM and risk teams preparing for their next SREP cycle.

The resilience of a financial institution is rarely determined by a single metric or regulatory ratio. It emerges from the interaction between funding structures, liquidity conditions, stress assumptions, management decisions and the institution’s ability to respond coherently as market environments change over time. In this environment, ILAAP and ICAAP frameworks have evolved into broader prudential management processes connected to liquidity planning, stress testing, balance-sheet forecasting and forward-looking decision-making.