intelligently automating

robo underwriting
digital marketing
dynamic customer segmentation
customer lifecycle management
conversion optimization
fraud detection/prevention
retention management
risk adjusted pricing
churn prevention
collections optimization
marketing campaign optimization
cross-sell, up-sell
user identification
KYC
user digital fingerprinting
next-best-action
mass personalization
dynamic customer journey
affordability prediction
claims prediction
default prediction
lead evaluation
limits management

SMART software that adapts to customer behavior

Putting intelligence into digital products
Automating banking, finance and insurance

Better visibility, better decisions

The problem with selling financial products via the internet is that you can't see your customer... with Zoral, you can.

Zoral can collect over 15,000 data items for each client within the first 30 seconds of interaction, building a comprehensive client "picture" and significantly improving decision accuracy.

Zoral knows which features are predictive

There is much talk of "Big Data", but... which features should be captured? Which combinations are predictive? How/when can they be used?

Zoral knows
We are one of the largest Artificial Intelligence / Machine Learning labs in Europe
Over 300 man-years R&D in discovering the answers
Our knowledge is built into our software... Zoral Behavioral Data Warehouse, Zoral Decision Engine and Zoral Model Library
Your team can benefit from this immediately and save significant time and cost.

Zoral makes a big difference

With Zoral intelligent automation you can scale your business, improve profitability and reduce costs.

Software with built in Artificial Intelligence

Zoral Behavioral Data Warehouse

Zoral Decision Engine

Zoral Model Library

Zoral Platform

Zoral intelligently automates...

digital marketing
robo-underwriting
dynamic customer segmentation
customer lifecycle management
conversion optimization
fraud detection/prevention
retention management
risk adjusted pricing
churn prevention
collections optimization
marketing campaign optimization
cross-sell, up-sell
user identification
KYC
user digital fingerprinting
next-best-action
mass personalization
dynamic customer journey
affordability prediction
claims prediction
default prediction
lead evaluation
limits management
...and many others

Our experience will give you faster, better results

Our systems are installed globally. We are one of the largest artificial intelligence / machine learning research labs in Europe. We built the world's first robo-underwriting systems for credit and insurance products.

Implemented rapidly and easily

Most finance organisations have complex systems. Changing can be costly, time consuming and disruptive.

Zoral products have been designed to work with your existing systems. They are easy to implement alongside with minimal intrusion. They can show improved results within weeks.