Technical Articles

A Simple Chatbot Using Zoral RL3 and Python

October 22, 2018

AI-powered chatbots can revolutionize the way banks and financial institutions serve their clients. Zoral RL3 is a natural language and unstructured data processing engine with many areas of application including conversational interfaces and interactive agents. A guide to building a simple chatbot with RL3 and Python... Read more →

Case Studies

Consumer Online Insurance

April 4, 2018

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, 2018

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

March 14, 2018

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

Zoral DE/ML Robo-Underwriting

March 1, 2018

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

March 1, 2018

Zoral Social Data Service 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, 2018

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, 2018

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, 2018

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, 2018

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, 2017

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, 2017

Zoral Eecision Engine 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, 2017

Zoral Loan Management 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 →