Zoral fOS
The platform at the centre.
Decisions, workflows, documents, products, screens and connections, on one platform with one record. It runs alongside your core and the systems you keep.
Automate lending, banking and finance operations.
Faster approvals. Less bad debt. No core replacement.
Trusted by
- Up toUp to 97% less manual work
- Up toUp to 30% fewer defaults
Results vary by product, geography, data quality and implementation scope.
Founded in 2004Over 100 projectsClients regulated by the FCA, the CFPB and the central banks of Malaysia and Thailand
One platform at the centre of your lending and banking.
In most banks, lending runs on separate systems: the core, an origination system, a decision engine, document tools and the links between them. Every hand-off adds delay, re-keying and a gap in the audit trail. And every new product starts almost from scratch.
Zoral fOS puts one platform at the centre. Zoral Data Fabric records every application, decision and change. Zoral Decision Engine applies your credit policy and models in real time. The Business Outcomes Layer measures each result against plan. Around the centre run the workflows, documents, products, customer screens and connections to your systems.
Solutions for loans, cards, home finance, SME, BNPL, auto, digital and Islamic banking all grow from that centre. Each draws on the same data, rules and measurement, so each new product costs less and starts smarter than the last. Start with one. Add the next on the same platform.
Keep your core. Change everything around it.
What changes
What changes for your bank
- Faster approvals. Decisions arrive while the customer is still there, in every channel.
- Less bad debt. Your credit team tunes policy and models to your own customers. Fraud is assessed separately from credit risk.
- Lower cost to serve. Documents are read and checked automatically. Your staff handle exceptions, not every file.
- Products launched sooner. Your teams configure products, rules and screens, with testing and second-person approval.
- One record of everything. Every decision is kept with its data and reasons, ready for a supervisor or auditor.
- Results tracked against plan. You see what each change did to conversion, losses, cost and revenue.
- Every channel and partner. Customers, branches, call centres, brokers, dealers and partners work on the same application.
- Your core stays. Zoral fOS works alongside it and books loans and accounts into it.
What changes
What changes for your bank
- Faster approvals. Decisions arrive while the customer is still there, in every channel.
- Less bad debt. Your credit team tunes policy and models to your own customers. Fraud is assessed separately from credit risk.
- Lower cost to serve. Documents are read and checked automatically. Your staff handle exceptions, not every file.
- Products launched sooner. Your teams configure products, rules and screens, with testing and second-person approval.
- One record of everything. Every decision is kept with its data and reasons, ready for a supervisor or auditor.
- Results tracked against plan. You see what each change did to conversion, losses, cost and revenue.
- Every channel and partner. Customers, branches, call centres, brokers, dealers and partners work on the same application.
- Your core stays. Zoral fOS works alongside it and books loans and accounts into it.
01 / 04
Results our clients have measured.
These are the strongest results from client deployments of Zoral fOS. Yours will depend on your products, customers and data. We measure them against your own baseline.
- Up to
30%Fewer defaults - Up to
75%Better fraud mitigation - Up to31%Higher collection rates
- –90%+Identity verification accuracy
Results vary by product, geography, data quality and implementation scope.
Request a demoThree ways to work with Zoral.
Solutions
Start from a working solution, not a blank page.
Complete starting points for loans, cards, home finance, SME, BNPL, digital and Islamic banking. Your teams adapt them to your policies, channels and partners.
Atelier
Senior specialists, from strategy to results.
Assessment, product design, credit risk, data, collections and delivery, by people who have run banking operations. They work alongside your teams and advisers.
Replace what slows you down. Keep what works.
You do not have to replace everything at once. You choose what moves to Zoral fOS, and when.
Replace
Retire the tools that hold you back.
Decision engines, manual workflows and document tools that are hard to change can move to Zoral fOS, one product at a time. The core systems you need stay where they are.
Build on
Build on what you already have.
Keep your core, your customer app, your data and your models. Zoral connects to them, reuses them and adds what is missing, so nothing of value is thrown away.
Why one platform rather than separate tools?
- The banking is already built in.Credit policy, products, documents, approvals and collections come ready to configure. Generic tools leave all of that to your build.
- One record, one place to change.Every decision and change is recorded once. Your teams change rules and products themselves, with testing and approval, instead of adding to the backlog of IT projects.
- Open where your engineers need it.They can add their own screen components, code and models, and connect any approved system. Their changes are versioned and approved like everything else, and the bank keeps one console to see and control it all.
Built around the way your bank works.
Every bank has its own products, policies, systems and regulators. So we start where change costs you most, prove the result, then take the next step. Senior Zoral specialists work with your business, risk, operations and technology leaders at every step.
- Manual work
- Manual decisions
- Separate systems
- Old systems
- Manual work
- Manual decisions
- Separate systems
- Old systems
Less manual work
Documents read and checked, so staff handle exceptions.
Consistent decisions
Your policy applied the same way in every channel.
Connected systems
One record across your core, channels and partners.
Measured results
Each change tracked against plan.
Less manual work
Documents read and checked, so staff handle exceptions.
Consistent decisions
Your policy applied the same way in every channel.
Connected systems
One record across your core, channels and partners.
Measured results
Each change tracked against plan.
Why banks and lenders choose Zoral.
Zoral is an independent specialist, founded in 2004. The platform is our own. It is not a bundle of other companies’ products, and it is not owned by a bank.
Senior specialists who have run credit, risk and banking operations lead delivery. The people who built the platform are part of every programme. We have built and launched the complete platform for a Shariah-compliant digital bank, as well as multi-product loan origination (LOS), credit decisioning and robo-underwriting systems.
Proof points
Founded in 2004
Over 100 projects
350+ years of combined experience
Clients regulated by the FCA in the UK, the CFPB in the US and the central banks of Malaysia and Thailand
Independently audited under SOC 2, with details on the Zoral Trust Portal
A long-standing relationship with KPMG
References are available in confidence.
Start with the product that matters most this year.
Tell us where approvals are slow, losses are high or change takes too long. A senior Zoral specialist will show what we would do first, and how we would measure it.
Contact Us
Prefer to pick a time? Schedule a meeting
Automate lending, banking and finance operations.
London
Epworth House25 City RoadLondonEC1Y 1AAUnited Kingdom
+44 20 3963 2002Miami
1221 Brickell Building, Suite 900Miami, FL 33131USA
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