Zoral Blog

Case Studies

Consumer Online Insurance

April 4, 2017

The insurance industry has a long history of using statistics and actuarial science. However, digital products provide an entirely new range of data and require application of advanced AI/ML techniques... Read more →

Case Studies

Mobile Network Operator (MNO) Credit Scoring and Automated Underwriting

March 28, 2017

Is it possible to use MNO data to predict customer behavior, credit risk, probability of default, fraud and other attributes? Is MNO data predictive? Yes!.. Read more →


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 →


Zoral 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 →


Zoral 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 →