Automated IFRS9 Expected Credit Loss modelling and analytics with RiskLab

Cost Efficiency

Access enterprise‑grade IFRS 9 modelling, analytics and support at a fraction of the cost of building and maintaining a new in‑house team.

Traditional SaaS Pricing Dilemma

For traditional SaaS (software as a service) solutions, there is an inevitable point where the cumulative subscription cost begins to exceed the upfront capital required to build a custom in-house system, often referred to as the “SaaS death cross.” Initially, SaaS platforms appear far more affordable, allowing organizations to avoid significant upfront development costs while benefiting from rapid deployment and predictable subscription fees. Over time, however, these recurring costs accumulate, and the total amount paid for the SaaS solution can eventually surpass what it would have cost to build and maintain an internal system. While custom in-house solutions may become more economical over the long term, they require significant upfront investment, internal technical expertise, and ongoing maintenance to remain functional, secure, and aligned with evolving regulatory requirements. As a result, organizations must carefully consider the long-term cost trajectory of SaaS subscriptions versus the capital and operational commitments required to build and sustain a custom internal solution.

Beyond the SaaS Death Cross: The Inforensics RiskLab Model

Instead of employing and maintaining a team of actuaries, quantitative analysts, and developers to build, run, and support IFRS 9 ECL models and portfolio performance analytics, Inforensics RiskLab provides the same, often greater, capability through a managed SaaS service. Clients gain access not only to a robust IFRS 9 modelling platform, but also to the expertise required to maintain, validate, and continuously improve the model in line with evolving regulatory expectations and audit requirements. This approach removes the need for significant internal staffing and ongoing model maintenance while ensuring that the solution remains technically sound and regulatorily aligned. Over time, the cost of building and sustaining an internal IFRS 9 modelling capability, including specialist staff, model governance, and ongoing updates, typically exceeds the cost of partnering with a specialised provider, making RiskLab a more efficient and sustainable long-term solution.