The cost of reading documents by hand
Payslips, bank statements, tax returns, identity documents, company accounts. Every loan file brings a stack of them. In most banks, people still open each one, find the right figures and type them into another system. It is slow. It introduces errors. And the people doing it are often the ones you most need for judgement calls.
Many document tools only turn pages into text. That still leaves someone to work out which page is which, which figure matters, and whether the documents agree with each other.
What Zoral Document Fabric does
Zoral Document Fabric, our intelligent document processing (IDP) service, integrated with the Zoral Finance Operating System (fOS), does the reading and the first checks:
- Sort It recognises each document and page: payslip, statement, identity document, tax return.
- Read It extracts the fields that matter, from forms, tables and free text.
- Check It compares figures across documents and with external sources. It flags documents that look altered or inconsistent.
- Pass on Checked data goes straight to Zoral Decision Engine and into your workflows.
People review only what is flagged, with the document beside the data. Zoral Document Fabric covers more than 650 document types and more than 14,000 data fields, and your team can add new ones.
Where your documents stay
Zoral Document Fabric runs in your own AWS or Azure account, or your private cloud, in your region and under your control. Your documents do not train public AI models.
Control and evidence
Every document, extracted field, check and correction is recorded. An auditor can see which document a figure came from, who reviewed it and what changed. When a new document type is added, it is tested before it goes live, like any other change in Zoral fOS.
Keep your own where you need to
Each component of Zoral fOS is built to be among the best at its job in banking. Already have a document management system? Zoral Document Fabric connects to it. One point to weigh: work done inside Zoral fOS shares one audit trail and one data lineage, from the document to the decision.
Where it fits
Zoral fOS has one centre. Zoral Data Fabric remembers every application, decision and change. Zoral Decision Engine makes every decision. The Business Outcomes Layer measures every result against plan. Around that centre, the other components do the work. Every Zoral solution reaches out from it into a product or a channel, and draws on the same data, rules and measurement. So each new product costs less to launch, and starts smarter, than the last.
Zoral Document Fabric sits around the centre. It works most closely with Zoral Decision Engine, Zoral Core Orchestrator and Zoral Resilient RPA.
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