Reglator

Products / OPERATE

Does our operating model remain valid?

OPERATE keeps the Institution Twin live. When your business changes or a regulatory environment moves, the affected parts of the operating model are tested again.

The question

Regulatory validity is not a one-time answer.

Institutions change continuously. So do the environments they operate in. A decision that was correct last quarter may not hold this quarter.

We believe regulated financial business models should eventually be tested the way financial software is tested: continuously.

Built for

  • Regulatory change
  • Product changes
  • Partner changes
  • Ongoing regulatory testing

Continuous testing

Something changes. The model is re-tested.

UKPASS
KenyaPASS
UAEPASS

Institution

All regulatory states current

NigeriaPASS
GhanaPASS

Trigger

Institution event detected

Change ledger

An auditable record of what moved.

ReglatorOPERATE / Simulation

ExternalJurisdiction rule update3 markets affected
InternalNew settlement partner addedOperating model retested
InternalProduct feature shippedActivity scope reassessed
ExternalSupervisory guidance issued1 market flagged

Loop

How the loop works

01

Internal change

A product ships, a partner changes, an entity is added.

02

External change

A rule is updated, guidance is issued, a market shifts.

03

Re-test

Affected jurisdictions and activities are simulated again.

04

Position update

The institution sees what moved and where attention is needed.