Elseware is a consulting and software firm specializing in advanced risk modelling for banks, insurers, and regulators. We are the creators of the XOI (Exposure–Occurrence–Impact) method, a structured and transparent approach to operational risk scenario quantification. Our flagship platform, MSTAR, enables organizations to design, simulate, and audit risk scenarios with precision. Combining academic rigor with practical delivery, Elseware supports clients in capital planning, stress-testing, risk appetite, and strategic risk management. Recognized for our methodological clarity and technical depth, we deliver bespoke tools and expert guidance to help financial institutions meet today’s most demanding risk challenges.