Resources · Glossary
QFLab Glossary — essential finance, risk, insurance and FinTech terms
Short, citable definitions written for institutional investors, risk managers and boards operating in Angola, Portugal, Spain and Southern Africa.
- ERM (Enterprise Risk Management)
- Integrated process to identify, assess and treat strategic, operational, financial and regulatory risks. Reference standard: ISO 31000.
- ISO 31000
- International reference standard for risk management. Defines principles, framework and process applicable to any sector and organization size.
- KRI (Key Risk Indicator)
- Quantitative indicator that signals the evolution of a material risk (e.g. loss ratio, FX exposure, payment delays).
- Risk appetite
- Amount and type of risk an organization is willing to accept to achieve its objectives, formally approved by the board.
- Over-insurance
- Situation where insured capital exceeds the real value of the covered asset or liability — the insured pays excess premium without matching coverage gains.
- Under-insurance
- Inverse situation: insured capital below the asset's real value. In partial claims, insurers apply proportional rule and pay less than expected.
- BODIVA
- Angola Debt and Securities Exchange. Trading infrastructure for public debt, corporate debt and listed equities in Angola.
- CMC
- Angola Capital Markets Commission. Regulator of the Angolan capital market, asset managers, brokers and issuers.
- BNA
- National Bank of Angola. Central bank, banking supervisor and authority for monetary and FX policy.
- ARSEG
- Angolan Insurance Regulation and Supervision Agency. Regulates insurers, reinsurance, brokerage and pension funds in Angola.
- AIPEX
- Angolan Private Investment and Export Promotion Agency. Coordinates private-investment projects and grants associated tax benefits.
- InsurTech
- Application of technology (AI, data, mobile) to insurance distribution, underwriting and claims — digital policies, dynamic pricing, microinsurance.
- FinTech
- Companies and solutions applying technology to financial services: payments, credit, savings, investment, capital markets, insurance and compliance.
- Due diligence
- Structured technical, financial, legal and reputational verification of a counterparty, asset or partner before an investment or contract decision.
- Go-to-market (GTM)
- Structured plan to enter a market or segment, including value proposition, channels, pricing, partners, KPIs and execution roadmap.
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