IFRS 9 solution of the year: Acies

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Acies’ Kepler IFRS 9 solution stood out to the Risk Technology Awards 2025 judges for its robust architecture and innovative performance. It includes meaningful enhancements that address the practical and strategic challenges of IFRS 9 compliance in today’s volatile financial environment.

The IFRS 9 accounting standard – with its emphasis on expected credit loss (ECL) modelling and forecasting – presents both regulatory and operational complexities for financial institutions. Kepler IFRS 9 tackles this challenge by offering a fast, efficient and adaptable solution that supports compliance and advances institutions’ risk assessment capabilities.

Judges said:

• “A well-architected solution.”
• “A solution clearly designed to meet regulatory requirements and industry needs.”
• “Combines speed, forecasting and reporting to cover core IFRS 9 requirements effectively.” 

Kepler’s success lies in its speed and scalability. The solution can process more than 220 million cashflows in under 10 minutes – using standard hardware. This represents a significant leap in efficiency and allows institutions to carry out multiple ECL calculation iterations quickly, facilitating real-time scenario testing and strategic planning. With IFRS 9 reporting often slowed by complex calculations, Kepler’s processing speed offers a competitive advantage.

Another key differentiator for Kepler is its single-version approach to implementation. Where many vendors deliver highly customised builds that require repeated configuration and localised updates, Acies has succeeded in maintaining a universal deployment architecture. This ensures that all clients benefit from continuous improvements, shared best practices and standardised enhancements, without facing the disruption or cost of fragmented custom builds and reconfiguration. This level of standardisation – rare in regulatory technology – improves governance and reduces long-term cost of ownership.

Kepler offers a range of features, including more than 100 prebuilt reports covering a wide spectrum of needs – from granular credit loss forecasting to high-level regulatory disclosures. These reports reduce the manual burden on institutions and ensure that stakeholders, regulators and auditors have timely, transparent and actionable information. The ability to support varied financial product types and risk profiles underlines the platform’s flexibility and real-world application.

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In the past year, Acies has invested in enhancing the product’s core capabilities to reflect a fast-evolving risk landscape. New features include advanced risk forecasting tools that allow users to simulate economic scenarios and model their impacts on credit risk and provisioning. The result is a platform that goes beyond compliance to become a decision-support tool, enabling proactive adjustments to financial strategy amid market uncertainty.

Improvements have also been made to Kepler’s reporting functionality, delivering even more granular insights and customisation options. Its integration with enterprise risk management systems has been strengthened, supporting a more holistic approach to financial risk and regulatory alignment. This is especially important as institutions increasingly seek to embed IFRS 9 within broader risk frameworks, a shift Kepler actively supports through enhanced integration features.

Looking ahead, Acies shows a clear understanding of the emerging risks and needs in the market. Its road map addresses growing concerns around model governance, regulatory scrutiny and the integration of IFRS 9 compliance into enterprise-wide systems. By focusing on automation, real-time analytics and continuous model validation, Kepler positions itself as a tool to support today’s requirements, as well as the next wave of regulatory and operational challenges.

Kepler IFRS 9 delivers a highly capable, forward-thinking solution that significantly enhances compliance efficiency and credit risk transparency. It achieves this through innovative design, a practical implementation strategy and continuous improvement in response to evolving regulatory and market demands.

Abhinava Bajpai, head of Acies TechWorks at Acies, says:

“Kepler has been built on the back of our domain expertise in delivering IFRS 9 transformation. User experience and practical solutions to some of the nuanced challenges of IFRS 9 computations have been embedded across the modules within Kepler. Our focus has been to deliver a comprehensive solution covering all the requirements of IFRS 9 in the most user-friendly manner.” 

Arindam Banerjee, head of business development at Acies, says

“We are proud to be recognised for our innovative, no-code approach to risk and regulatory automation. Kepler represents the gold standard in IFRS 9 automation, covering everything from risk models, effective interest rate and ECL optimisation to automated model validation and out-of-the-box disclosures.”

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