Regulatory Tech

SIPS Status: The Digital Giants

NRB Oversight Simulator: Identify which payment networks (Fonepay, NCHL) are "Systemically Important" based on Market Share.

1. Market Volume Share (%)

Rule: If a network handles > 50% of total transactions (Volume), it is critical. Adjust sliders to simulate market dominance.

Fonepay Network 65%

NCHL (ConnectIPS) 25%

Digital Wallets 10%

2. Regulatory Classification

FONEPAY STATUS SIPS (CRITICAL)

Exceeds 50% Volume Threshold

NCHL STATUS PSO (NORMAL)

Below Critical Threshold

SIPS Requirement:

Must maintain 24/7 Disaster Recovery Site (DR) with Zero Data Loss.

Daily Penalty:

Downtime > 15 mins results in NRB Inquiry & Fines.

3. Market Dominance & Stress Test

> Monitoring Uplink...

> Waiting for Peak Load Simulation...

Why Stress Test? If Fonepay (SIPS) goes down on Dashain Eve, the entire retail economy halts. NRB mandates these tests to ensure 99.99% uptime.