Zoral Document Fabric
Zoral Document Fabric, our intelligent document processing (IDP) service, integrated with the Zoral Finance Operating System (fOS), sorts, reads and checks the documents in a loan file. The checked data goes straight into your credit decisions and workflows. Only doubtful items go to a person.
Document Fabric
Document Fabric
How a loan file moves through Zoral Document Fabric
Unsorted files go in. Checked data comes out. Select a step to see what it does.
Unsorted files go in. Checked data comes out.
Zoral Document Fabric works around the centre of Zoral fOS. It hands checked data to Zoral Decision Engine and to the workflows in Zoral Core Orchestrator.
Choose your region.
One wrong figure can mean an investor will not buy the loan, or can force a buyback.
Over 20 US mortgage lenders use Zoral.
Every value and correction is recorded. Quality control can trace any figure to its page.
Income and assets are calculated across documents, to the guidelines your investors require. Underwriters see documents and data on one screen.
Each investor purchase agreement is read and checked against the warehouse bank’s records as it is issued. Warehouse lines can be repaid sooner.
Each document is checked on its own and against the rest of the file. Your processor or underwriter decides on any issue.
Many local document tools only read the text. Zoral Document Fabric also checks the figures, for example payslip income against bank deposits. Checked data goes through Zoral fOS to your credit rules.
One set-up handles retail, SME and corporate documents.
Staff spend less time sorting and retyping loan files. More customers complete the application.
ID cards, payslips, bank statements, bank books
Registrations, financial statements, tax certificates
Legal agreements, audited accounts, trade invoices
Some customers do not connect their bank account through open banking. Zoral Document Fabric reads their uploaded documents instead. Each file passes fraud checks first.
The credit check goes ahead on the customer’s uploaded documents.
Staff spend less time sorting and retyping loan files.
Identity papers, multi-page bank statements, payslips, financial statements, tax certificates, legal agreements and audited accounts.
Traces of other software, hidden layers, font differences and changed dates.
Breaks in the layout and pixel changes around text.
Does the balance match the transactions? Is the name the same on every document?
A flagged document goes, with its reason, to your risk team’s screen in Zoral Portal Studio. Your team decides.
Zoral Document Fabric runs in your own AWS or Azure account, or your private cloud, in your region and under your control.
Zoral is independently audited under SOC 2; details on the Zoral Trust Portal. The service is designed to support GDPR / UK GDPR obligations.
Zoral’s data science team improves the models. Approved versions are deployed to your regional environment. Any tuning on your documents happens there.
We opt out of data sharing on the language model services we use. Any use of your documents to improve Zoral’s own models is agreed with you in writing.
Your compliance team sets how long files, logs and extracted data are kept.
Many document tools only turn pages into text. Zoral Document Fabric passes checked data straight into decisions and workflows in Zoral fOS.
Some services send documents to outside teams for manual checks. Here, any manual check happens in your own review workbench.
Data flows into financial spreading, credit analysis and condition clearing.
Identity checks, refinancing, servicing and collections use the same connection.
Only new documents in a resent file are processed. The loan file keeps every version.
Every file is scanned for malicious code first.
Every file is scanned for malicious code first.
| What you compare | Zoral Document Fabric in Zoral fOS | Text-extraction services | Stand-alone document platforms |
|---|---|---|---|
| Privacy | Private tuning for each bank | Often send text to outside AI services | Often need self-hosting for privacy |
| New document types | Added and tested by Zoral | Often need large samples of your data | Often trained by your staff, type by type |
| Data residency | Your own AWS or Azure account, or your private cloud, in your region | Often run across several regions | Often need extra hosting set-up |
| Role in the bank | Checked data goes straight into decisions and workflows | Turn images into text and tables | Focus on capturing layouts |
| Banking logic | Cross-document checks and spreading | Your team builds the rules | Usually one document at a time |
Zoral Document Fabric in Zoral fOS
Private tuning for each bank
Text-extraction services
Often send text to outside AI services
Stand-alone document platforms
Often need self-hosting for privacy
Zoral Document Fabric in Zoral fOS
Added and tested by Zoral
Text-extraction services
Often need large samples of your data
Stand-alone document platforms
Often trained by your staff, type by type
Zoral Document Fabric in Zoral fOS
Your own AWS or Azure account, or your private cloud, in your region
Text-extraction services
Often run across several regions
Stand-alone document platforms
Often need extra hosting set-up
Zoral Document Fabric in Zoral fOS
Checked data goes straight into decisions and workflows
Text-extraction services
Turn images into text and tables
Stand-alone document platforms
Focus on capturing layouts
Zoral Document Fabric in Zoral fOS
Cross-document checks and spreading
Text-extraction services
Your team builds the rules
Stand-alone document platforms
Usually one document at a time
Zoral Document Fabric runs in your own AWS or Azure account, or your private cloud, in your region and under your control. The rest of Zoral fOS runs on AWS or Azure in your chosen region, or in your own data centre.
A secure API returns structured data (JSON) and warnings about the source documents.
Document-tuned language models, self-adjusting parsers, machine learning and functional-programming rule checks, all versioned.
Your AI agents can use it through MCP. They are guardrailed, with human-in-the-loop supervision, and act only within the permissions you set. Every call is recorded. Agents do not make credit decisions, and accountability stays with your bank.
Trained and used in North America, Europe and ASEAN, with documents in English, Malay and Thai today.
References are available in confidence.
The Challenge
High cost and slow turnaround on large, multi-page mortgage files.
The Solution
Zoral Document Fabric reads and checks the critical data in each file.
The Strategic Outcome
Files are processed much faster, with more accurate data for underwriting.
The Challenge
Onboarding backlogs and data-entry errors.
The Solution
Zoral Document Fabric classifies each country’s documents. Low-confidence fields go to a reviewer.
The Strategic Outcome
Much faster account opening and far lower data-entry costs.
We agree the set-up, residency rules and workflows in scope.
You share a small batch, anonymised or under a data processing agreement.
Your team compares the extracted data with what your own people found.
Yes. It works best inside Zoral fOS. It can also feed your own loan origination system, decision engine or data lake through documented interfaces.
Your engineers could read text that way. The harder part comes next: cross-document checks, tamper signs, a review screen and a record of every correction. Someone must keep that working for years. Zoral’s data science team does that work for you. Your engineers use the results through a documented API.
Atelier, Zoral’s senior consulting practice. It sets up your document checks and brings the data into your workflows and models. Zoral’s data science team maintains the models, and the service runs in your own cloud account. Your people run the banking operations. See Data, AI & Automation and Engineering and delivery.
Product brief
9 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.
Your developers should not have to maintain templates or keep document models up to date. Zoral maintains the models. Your teams get checked data, and your people decide on every doubtful item.
Prefer to pick a time? Schedule a meeting
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