Risk modeling and decisioning has always been an imperfect art, yet the unpredictability of our modern era has made it particularly difficult. Persistent inflation has disrupted interest rates, while geopolitical tensions around the globe have made the macro-economic situation even more volatile. Factors such as climate change have thrown further doubt on how we manage risk. Alongside these concerns, many banks are also contending with outdated technology infrastructures, as well as a raft of new regulations.