Zoral Decision Engine
One decision engine, from first lead to final payment
Zoral Decision Engine applies your credit policy and models in real time, across products, customer segments, touchpoints, channels and countries. It sits at the centre of the Zoral Finance Operating System (fOS), next to your core. Your credit team changes the rules, with testing and a second approval. Every decision is recorded with its reasons.
The problem: credit rules spread across many systems
In many banks, credit rules sit in the core, in each channel and in separate decision tools. Every change is made several times, usually by engineers. No one has one record of why a customer was approved, priced or declined.
The answer: one engine at the centre of the platform
Your credit team writes each rule once, and every channel uses it. At the centre of Zoral fOS, Zoral Decision Engine makes each decision. Zoral Data Fabric records every decision with its data. The Business Outcomes Layer shows what each change did to conversion, losses and revenue. Zoral Core Orchestrator sends exceptions to the right work queue.
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Every customer decision on one engine
One engine chooses the next best action at every step: lead management, conversion, credit scoring and underwriting, closing, cross-sell, refinancing, retention and collections. It also personalises customer journeys across every touchpoint.
Decision layer
Platform layers
Compliance
Every decision is recorded and kept for audit, with its reasons.
Better credit decisions show in the business numbers
Bureau scores alone often separate a lender's good and bad customers poorly. Models tuned on your own data, with policy built around them, help you approve more good customers and lose less. Measure the result across acceptance, default, pricing, collections, retention and cost together.
- Up to
98%faster approvalsClear cases are decided while the customer waits.
- Up to33%higher conversion
More good applicants approved, at your chosen risk.
- Up to
34%lower portfolio lossEarly warning when results drift.
- Up to65%lower launch costs
New products reuse existing rules and data.
Every decision is explained, and kept with its data, rules and model versions.
Results vary by product, geography, data quality and implementation scope.
One engine for retail, SME and corporate credit
Many banks run a separate rules engine for each business line, and the rules drift apart. Zoral Decision Engine runs every segment on one engine: customers with no credit history, mainstream and mass-affluent retail customers, small businesses and corporates. They share data and one audit trail.
Zoral Decision Engine
Retail
- No credit history to mass affluent
- Real-time decisions
- Robo-underwriter
SME
- Financial spreading
- Open banking data
- Policy controls
Corporate
- Financial reports read
- Credit memos drafted
- Analyst review
Your core banking system
Many measures at once
Each decision weighs fraud, default, pricing, cross-sell and retention together.
Fast, scalable and resilient
Decisions run in real time, with low latency. In production, the engine makes up to 5,000 credit decisions a second, around the clock, every day of the year, for a large online retailer’s pay-later checkout. It scales across servers, and a fault in one service has little effect on the rest.
Offers during the session
While the customer applies, the engine can set the offer, limit and price to fit their risk.
For your architects: open where your engineers need it
Credit teams configure. Engineers extend where configuration ends. Their changes are versioned, tested and approved like any other, and the bank sees and controls it all from one console.
AI assistant for configuration
Analysts describe a scorecard in plain language. The AI assistant drafts it, and a person tests and approves it.
AI assistant for configuration
Analysts describe a scorecard in plain language. The AI assistant drafts it, and a person tests and approves it.
Controls your risk and audit teams can check
Plain-English explanations
Auditors can ask why any decision was made, and get the answer in plain English.
Full change history
Every rule, rate and policy change is recorded and kept for audit, with who made and approved it.
Personal data protection
Your team sets encryption, masking and anonymisation by field. These controls are designed to support GDPR / UK GDPR obligations.
Fair-lending and model-risk controls
Your model-risk team decides which data each model may use and tests for bias before release. Zoral fOS monitors live models for drift.
Test before release
A new policy is tested on past applications. It then runs alongside the live one without affecting customers.
We have worked with clients regulated by the FCA in the UK, the CFPB in the US and the central banks of Malaysia and Thailand.
Start from where your bank is today
Zoral moves decisions out of your current systems step by step.
Choose your situation
The challenge
Your current engine, or its vendor’s support, is ending.
How Zoral helps
Zoral specialists rebuild your rules and models. Old and new engines run side by side until the results match.
The challenge
Rule changes wait in the backlog of IT projects.
How Zoral helps
Your credit team makes the change itself, with testing and approval.
The challenge
You pay for data on every application, even the ones you decline.
How Zoral helps
Your credit team sets the order of checks, so paid sources are called only when needed.
The challenge
Your current engine, or its vendor’s support, is ending.
How Zoral helps
Zoral specialists rebuild your rules and models. Old and new engines run side by side until the results match.
The challenge
Rule changes wait in the backlog of IT projects.
How Zoral helps
Your credit team makes the change itself, with testing and approval.
The challenge
You pay for data on every application, even the ones you decline.
How Zoral helps
Your credit team sets the order of checks, so paid sources are called only when needed.
Let's look at your case
Senior Zoral credit specialists listen first. Then they propose a roadmap, or a proof of concept on past or synthetic applications.
Request a demoQuestions from credit, risk and technology leaders
Our engineers could build this from a rules engine and a workflow tool. Why buy it?
They could. But the tools are generic, and the banking logic would still be yours to build and maintain. Every change would need engineers, and no one would have a single record of each decision. The question for the board is who maintains that logic in ten years, and how fast the business can change it. Your engineers keep their freedom where they need it.
We already have a decision engine. What is different?
Most decision engines decide, then leave origination, documents, collections and measurement to other systems. Zoral Decision Engine is part of Zoral fOS, with one record from first enquiry to final payment. Your credit team sees what each rule change did to conversion and losses. You can also start by running Zoral alongside your current engine until the results match.
Do AI agents or language models make credit decisions?
No. Credit decisions follow rules and models your bank approves, and accountability stays with your bank. AI is guardrailed, with human-in-the-loop supervision. Agents prepare, check and draft, only through the permissions, workflows and approvals you set. Every action, prompt and tool call is recorded. Machine-learning models handle default, pricing and limits; language models read documents and draft. Your bank chooses its language models, connected through a standard interface (MCP), and data stays within the environments and agreements you control.
Where does it run, and who owns the data?
On AWS or Azure in your chosen region, or in your own data centre. It works next to your core, and we have worked alongside modern cloud cores as well as traditional ones, integrating with them and maintaining their product configuration. Your data and audit history stay yours, and you can export them in standard formats. Zoral is independently audited under SOC 2; details are on the Zoral Trust Portal.
Who implements it?
Atelier, Zoral’s senior consulting practice, leads the work with your teams. The people who built the platform are part of every programme. See Credit risk and decisioning, Data, AI & Automation and Engineering and delivery.
Product brief
Get the Zoral Decision Engine product brief
10 pages to read and share with your colleagues: what it changes, how it is controlled and audited, and how it works with the tools you already own.
Let’s look at your credit decisions together
Bring us the decision that costs you most today. We will show how your credit team would set, test and explain it.
Contact Us
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Automate lending, banking and finance operations.
London
+44 20 3963 2002Miami
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Institutional Policy Safeguard: The automated financial processing, model deployment, document analysis frameworks, and operational strategies outlined on this website serve as reference product profiles and functional capability descriptions only. Institutional implementations are highly configurable and must undergo localized user-acceptance testing (UAT), security auditing, and standalone compliance sign-offs tailored to specific regional legal requirements prior to live ecosystem deployment.