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For many financial organizations, keeping up with the Digital Operational Resilience Act (DORA) feels like being thrown into a game with an overwhelming rulebook but no referee. The rules are intricate, they keep evolving, and the penalties for mistakes are serious. Yet everyone is expected to play, flawlessly, from day one.
That’s the reality facing banks, insurers, and payment providers since the January 2025 deadline. DORA doesn’t just ask organizations to be resilient, it demands that they prove it through structured risk management, incident reporting, vendor oversight, and constant testing. For many teams already stretched thin, the task feels less like innovation and more like endless self-policing.
This is where AI can step in, not as a player, but as a trusted referee. Just as an umpire ensures the game is played within the rules so athletes can focus on their strategy, AI can monitor compliance boundaries, flag risks, and take care of the repetitive policing work. That frees organizations to focus on what actually moves them forward: delivering value, innovating, and staying competitive.
Imagine an AI system that continuously watches your ICT environment for potential risks, automatically classifies incidents, and even drafts regulatory reports in the right format. Or an AI assistant that maps dependencies across all your technology providers, highlighting where vendor risks might compromise resilience. Instead of humans constantly checking whether every rule is followed, the AI becomes the ever-present referee, applying the rulebook consistently and fairly.
The real power of AI under DORA is not just checking boxes but transforming compliance into a strategic advantage. When organizations no longer must pour manual hours into routine monitoring, they gain time to strengthen resilience and innovate.
Take incident reporting: under DORA, firms must report major ICT incidents quickly, using standardized templates. For many, that means scrambling under pressure. With AI, the process can be automated. Incidents are detected, analysed, and pre-filled into reports almost in real time. Instead of firefighting, compliance teams can spend their energy learning from the incident and improving defences.
Or consider resilience testing. AI can help simulate cyberattacks and system outages at scale, creating stress-test scenarios that would be impossible to orchestrate manually. In doing so, it doesn’t just meet the letter of DORA. It makes organizations genuinely stronger against disruption.
Looking at AI as an umpire is powerful because it shifts the perception of DORA. Instead of seeing the regulation as an endless burden of rules, organizations can view it as a structured game were having the right referee makes you better.
Without oversight, teams risk fouling without realizing it, or playing too cautiously to avoid mistakes. With AI acting as referee, the rules are enforced consistently, fairly, and transparently. That doesn’t just reduce risk, it builds trust with regulators, customers, and stakeholders who see compliance not as a checkbox, but as part of the organization’s DNA.
As DORA comes into force, financial organizations have two choices. They can treat compliance as a drag on innovation, pouring people and resources into manual processes. Or they can let AI take the role of the umpire, ensuring the rules are followed so their teams can focus on playing the game strategically.
At Kruso, we believe the second path is the only sustainable one. Compliance should never slow down growth, it should enable it. With AI as the trusted umpire, organizations can not only meet the demands of DORA but also gain the confidence to innovate boldly, knowing the rules are always being watched.