See what matters. Know what needs a decision.

Executive review

Your teams have done the analysis. You still need the whole picture.

Finance, operations and risk arrive with separate findings. Pinavia brings them into one review brief, helping you see the connections and the questions that need your judgment.

Vantage · Investment

The deal looks promising. What could change your view?

You are preparing for investment committee. You need to know which assumptions need another look before you take the recommendation forward.

Illustrative example, written by us using fictional documents.

The growth case depends on a renewal that is not confirmed in the pack.

What matters

Management’s forecast assumes the largest customer will renew. The supplied contract ends before the forecast period does, and the pack contains no renewal confirmation.

Why it matters

The forecast depends on a renewal that the supplied evidence does not confirm. The downside without that customer needs to be understood before the team relies on the growth case.

What to ask next

Ask for evidence of renewal — or a downside case showing what happens without it.

Read the example documents

Management forecast D-FCST

“The forecast assumes the largest customer renews at the current contract value for the whole of the forecast period.”

Open F1

Customer contract D-CTR

“The term of this agreement ends before the end of the period covered by the forecast. Renewal is at the customer’s option and requires written notice.”

Open C1

Index of supplied documents D-IDX

“This set contains the management forecast, the customer contract and this index. No renewal confirmation or notice of renewal is included.”

Open N1

Open all three documents

Meridian · Regulatory

The submission is assembled. What still needs attention?

Before the responsible reviewer signs off, your team needs to know where the documents support the submission — and where more evidence is needed.

Pinavia’s own output, run on the two fictional documents below.

Saying a document is missing is not the same as supplying it.

What the review found

Paid-up capital is evidenced, and the review cites the sentence it relied on. The customer funds safeguarding arrangement is not evidenced — even though the pack names it, in the sentence saying it was not supplied.

Evidenced

Paid-up capital against the EMI Regulations threshold for the stage applied for

“This audited capital confirmation records paid-up capital held at the threshold for the stage applied for” REG-CAP

Not evidenced · critical

Customer funds safeguarding arrangement: e-money float held in a designated account with a scheduled bank, segregated from institutional funds

The only sentence naming it is “No customer funds safeguarding agreement is supplied.” The review cites nothing for this requirement. REG-IDX

Why it matters

A keyword match would have read that sentence as evidence and marked a critical requirement satisfied. A pack can tell you what it does not contain, and that has to count against the submission rather than for it.

What to ask next

Obtain the safeguarding agreement, or an explanation of its absence, before the submission goes to the responsible reviewer.

Recorded from Pinavia’s regulatory review component on 13 September 2026, against a requirement set scoped to one licence type and applicant stage. Not a live end-to-end run, and not a view on whether you are compliant — that stays with your qualified reviewer.

Read the example documents

Capital confirmation REG-CAP

“This audited capital confirmation records paid-up capital held at the threshold for the stage applied for. It confirms the amount subscribed and paid at the confirmation date.”

Open A1

Index of supplied documents REG-IDX

“This set contains the capital confirmation and this index. No customer funds safeguarding agreement is supplied.”

Open A2

Open both documents

Quorum · Board

The board pack is ready. Are the questions?

Bring the questions raised by the pack into a focused review, with draft records for the board to consider and adopt.