Zoral Blog


Zoral model library (ZML)

March 14, 2017

Whenever people consider models in the context of credit they usually think of credit scores or default probability. These are a small part of the picture... Read more →

Case Studies

ZDE/ZML Robo-Underwriting

March 1, 2017

Case study: A leading North American SME finance company. Their objective was to grow substantially their SME loan portfolio and market share... Read more →


Zoral Social Data Service (SDS)

March 1, 2017

SDS comprises a series of crawlers that extract and store publicly available, social data from a wide range of sources. It computes predictive, social features... Read more →

Case Studies

Customer Acquisition and Lead Evaluation Service

February 16, 2017

Case study: A global, financial institution focused on consumer and SME credit. The client faced challenges in customer acquisition and buying leads... Read more →

Case Studies

Consumer Online Credit

February 15, 2017

Case study: A major, UK, consumer finance company, focused on sub-prime, on-line lending. The client was an early fintech innovator, experiencing rapid growth... Read more →

Case Studies


February 13, 2017

Case study: A major, North American, consumer finance company with a substantial store network focused on the subprime and near-prime market... Read more →


Zoral Platform

January 29, 2017

Zoral Platform is a SMART system, one of the most powerful financial platforms in global use today. It embedds deep fintech knowledge, analytics and AI... Read more →


Behavioral Data Warehouse

December 2, 2016

Behavioral data can be highly predictive. It improves customer visibility and conversions, reduces cost and helps you make better decisions... Read more →


Decision Engine

November 9, 2016

ZDE captures a huge range of data in real-time. It allows the non-technical user to define complex workflows, rules logic and executes real-time decisions... Read more →


Zoral Loan Management

April 4, 2016

ZLM is a highly adaptable credit/loan management system. It captures and feeds a wide range of data to real time decisioning, driving the customer journey... Read more →