Development maturity — September 2026
| Modeling challenge | Architecture | Core Build | Applied Validation | Pilot Readiness |
|---|---|---|---|---|
| Compose arbitrary contracts Complex product features and assumptions conventionally mean new model code. Riders, crediting variants and benefit structures multiply faster than a codebase can absorb them. | 4/4 | 4/4 | 4/4 | 3/4 |
| Comprehensive, transparent output Results usually arrive pre-aggregated, so assembling a financial statement — or anything the designer did not anticipate — means going back to the model instead of to the output. | 4/4 | 4/4 | 4/4 | 3/4 |
| Quantify income for cohorts and plan groups Income has to be attributed — including investment income — across cohorts of contracts or groups of plans, because that grouping is what several regulatory frameworks are built on. | 4/4 | 4/4 | 2/4 | 1/4 |
| Multiple currencies in one model Business written in different currencies has to be modelled in its own currency and still aggregate, which means conversion has to be automatic rather than a reconciliation step. | 4/4 | 4/4 | 2/4 | 1/4 |
| Nested projection A projection that must value something at every future point needs another projection inside it — and the shape of that inner run has to be a design choice, not a fixed behaviour. | 4/4 | 4/4 | 2/4 | 1/4 |
| Composable reinvestment strategy Buying and selling across asset types is usually hard-coded. Expressing a strategy as composable steps is what makes it changeable without rebuilding the model. | 4/4 | 4/4 | 2/4 | 1/4 |
| Hedging strategy you define Hedging programmes differ in what they target and what they trade — delta only, a full variable-annuity programme, or an ALM programme by key-rate tenor. Conventional tooling fixes those choices in code, so the programme bends to the system. | 4/4 | 2/4 | 0 | 0 |
| Cloud cost The usual way to cut a compute bill is to approximate — compress, cluster, replicate — which spends accuracy to buy time. Spreading work across threads and machines does not. | 4/4 | 3/4 | 2/4 | 2/4 |
| AI that learns a model Understanding an unfamiliar model means reading it. An assistant that has actually learned a specific model can answer questions about it, rather than just follow instructions. | 3/4 | 2/4 | 1/4 | 0 |
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