Your core isn’t the problem. Everything around it is.

No. Zoral fOS works alongside your core, connects to it through documented interfaces and books loans and accounts into it. Over time, you can move products off older systems one at a time, if and when you choose. For a new bank or brand, Zoral fOS can be the system of record.

You keep what works. Every Zoral component is built to be among the best at its job, but you do not have to use all of them. Zoral connects to the tools you already own, for example your RPA platform such as UiPath, your machine-learning platform such as Amazon SageMaker, Databricks or Google Cloud Vertex AI, or your document management system. It reuses your data and your models, and feeds your data lake.

Keep in mind that a separate tool keeps its own records, outside the shared audit trail, lineage and data-quality checks of Zoral fOS. So the more runs on Zoral fOS, the simpler governance becomes. You decide what moves, and when.

They could, and each tool would do its own job well. But the banking work would still be yours to build, connect, test and maintain for ten years or more: credit policy, products, documents, approvals, collections and the audit trail. Most changes would also need engineers, and no one would have a single record of what happened to each customer.

Zoral fOS starts with that banking work in place, so your business teams can change it under control. Your engineers keep the freedom to extend it.

Yes. Where configuration ends, they can add React components and their own Java, C# or Python code, and connect any approved system through APIs or events. Data scientists can bring models from their own machine-learning platform. The bank’s own AI agents can use Zoral fOS through a standard interface (MCP). Everything is versioned, tested and approved in the same way.

Your data, product definitions and audit history remain yours and can be exported in standard formats. Components connect through documented interfaces, so you can use one or all of them.

AI agents prepare, check and draft under human-in-the-loop supervision. They act only through the permissions, workflows and approvals you set, and everything they do is recorded. Credit decisions follow the rules and models your bank approves. See “Governed AI” above for how you choose the models.

On AWS or Azure in your chosen region, or in your own data centre. Zoral Document Fabric runs in your own AWS or Azure account, or your private cloud, in your region and under your control.

Zoral can run and support the platform for you, your own technology team can run it, or we share the work and hand over as your team grows. Your people run the banking operations.

With the one product or process where change costs you most. We agree the business case and a baseline, deliver it, and measure the result. Then you decide on the next step.

Atelier, Zoral’s senior consulting practice, alongside your teams and any advisers or integrators you work with. The people who built the platform are part of every programme. See Engineering and delivery and Assessment and strategy.