Regulatory Solutions
Sovereign analytics technology for banking supervisors and financial regulators — enabling independent risk oversight, inclusive public credit infrastructure, and full data sovereignty.
The adequate supervision of the modern financial system requires independent analytical capabilities that match the speed and complexity of the institutions being regulated.
Caltec Scoring Technologies partners with Superintendencies and regulatory bodies to deploy a sovereign analytics layer. Our technology enables regulators to validate systemic risk with precision and drive financial inclusion through superior public data modeling, without relying on external or international providers.
Independent Systemic Risk Visibility
Run independent, next-generation risk models on the raw data you already collect — without relying on static reporting from supervised entities. Validate Internal Ratings-Based (IRB) models used by private banks and detect portfolio deterioration through Value at Risk (VAR) analysis before traditional indicators signal a default.
- Validation of Internal Models
- Early Warning via VAR Analysis
Public Credit Registry Enhancement
Upgrade the analytical capabilities of the national Public Credit Registry beyond traditional market standards. Score thin-file citizens and MSMEs using alternative data sources — such as phone and electric utility data — providing the financial ecosystem with a more inclusive benchmark that encourages safe lending to underserved sectors.
- Thin-File & MSME Scoring
- Alternative Data Integration
Data Sovereignty & Deployment
Protect national financial data with flexible deployment models designed for regulatory environments. Choose between full on-premises installation, Caltec-managed hosting in a regional data center, or a hybrid approach tailored to your operational requirements.
- On-Premises Deployment
- Managed Hosting
- Hybrid Options
Ready to Modernize Your Supervisory Infrastructure?
We are prepared to demonstrate how our technology outperforms legacy standards and can be adapted to your country's specific regulatory framework.
Request a Technical Introduction