Company

Zoral at a glance

The facts most often asked for by banks, analysts and procurement teams. For anything else, book an executive briefing.

Topic	Fact
Company	Zoral. Founded in 2004. Privately held and founder-led. Chairman and CEO: Eric Sandler
Offices and teams	London and Miami. Teams in Europe and the United States, with support and partner presence across South-East Asia
What we build	The Zoral Finance Operating System (Zoral fOS), a platform for lending, banking and finance operations, and the solutions built on it
How it fits	Zoral fOS works around the core banking system you already run, traditional or modern cloud core. For a new bank, it can be the complete platform, including the product and account ledger
Components	Zoral Decision Engine, Data Fabric, Business Outcomes Layer, Core Orchestrator, Product Factory, Portal Studio, Document Fabric, Integration Gateway, Integration Exchange, Intelligence Layer, Resilient RPA and Behavior Matrix
Consulting and implementation	Atelier: strategy, product innovation, credit risk and decisioning, portfolio optimisation and management, data and AI, customer lifecycle and collections, engineering and delivery, and Islamic banking implementation
Track record	Over 100 projects for banks, digital banks, lenders, finance companies, insurers and mobile financial services providers, with clients across North America, Europe, Africa, Asia, South America and Australia
Regulated clients	Clients regulated by the FCA in the UK, the CFPB in the US and the central banks of Malaysia and Thailand
Security	Independently audited under SOC 2. Details on the Zoral Trust Portal
Where it runs	AWS or Azure in the region you choose, or your own data centre. Your data and audit history stay yours, and can be exported in standard formats
AI	Agents prepare, check and draft under your permissions and approvals, and every action is recorded. Agents do not make credit decisions. You choose your language models, including open-weight models in your own environment
Scale	Up to 5,000 credit decisions a second in production, around the clock
Languages	Screens and documents in English, Malay and Thai today. Further languages are added for each client
Islamic banking	Islamic products on the structures your Shariah board approves. The complete platform for a Shariah-compliant digital bank in South-East Asia. Zoral does not certify products; your Shariah board remains the authority
US mortgage	Over 20 US mortgage lenders use Zoral
Partners	A long-standing relationship with KPMG
References	Available in confidence

Company
Fact
Zoral. Founded in 2004. Privately held and founder-led. Chairman and CEO: Eric Sandler
Offices and teams
Fact
London and Miami. Teams in Europe and the United States, with support and partner presence across South-East Asia
What we build
Fact
The Zoral Finance Operating System (Zoral fOS), a platform for lending, banking and finance operations, and the solutions built on it
How it fits
Fact
Zoral fOS works around the core banking system you already run, traditional or modern cloud core. For a new bank, it can be the complete platform, including the product and account ledger
Components
Fact
Zoral Decision Engine, Data Fabric, Business Outcomes Layer, Core Orchestrator, Product Factory, Portal Studio, Document Fabric, Integration Gateway, Integration Exchange, Intelligence Layer, Resilient RPA and Behavior Matrix
Consulting and implementation
Fact
Atelier: strategy, product innovation, credit risk and decisioning, portfolio optimisation and management, data and AI, customer lifecycle and collections, engineering and delivery, and Islamic banking implementation
Track record
Fact
Over 100 projects for banks, digital banks, lenders, finance companies, insurers and mobile financial services providers, with clients across North America, Europe, Africa, Asia, South America and Australia
Regulated clients
Fact
Clients regulated by the FCA in the UK, the CFPB in the US and the central banks of Malaysia and Thailand
Security
Fact
Independently audited under SOC 2. Details on the Zoral Trust Portal
Where it runs
Fact
AWS or Azure in the region you choose, or your own data centre. Your data and audit history stay yours, and can be exported in standard formats
AI
Fact
Agents prepare, check and draft under your permissions and approvals, and every action is recorded. Agents do not make credit decisions. You choose your language models, including open-weight models in your own environment
Scale
Fact
Up to 5,000 credit decisions a second in production, around the clock
Languages
Fact
Screens and documents in English, Malay and Thai today. Further languages are added for each client
Islamic banking
Fact
Islamic products on the structures your Shariah board approves. The complete platform for a Shariah-compliant digital bank in South-East Asia. Zoral does not certify products; your Shariah board remains the authority
US mortgage
Fact
Over 20 US mortgage lenders use Zoral
Partners
Fact
A long-standing relationship with KPMG
References
Fact
Available in confidence