Zoral Portal Studio
One studio for every customer, staff and partner screen
Your teams build web, mobile, branch and partner screens in one studio. Every screen uses the security, audit trail, workflows and credit rules of the Zoral Finance Operating System (fOS). Your engineers can still add their own components.
Why it matters to the executive team
Zoral Portal Studio works around the centre of Zoral fOS, with Zoral Core Orchestrator, Zoral Decision Engine and Zoral Data Fabric. Your team starts from ready solution screens, not a blank page.
Lower cost over ten years
Configured screens are designed to cost less to maintain than hand-written code.
Security built in
Every screen uses the platform’s sign-in, role-based access and audit trail.
Changes that do not collide
Your teams are warned when one change could break another team’s screen, workflow, rule or model.
Your components, your brand
Your bank owns its component library and its brand.
Who maintains your screens in ten years?
The question for a CEO or CIO is not:
“Can my team use AI to write a React app?”
It can, and quickly.
The question is who owns and maintains hundreds of screens for ten years or more. Each one must stay connected to your credit rules, workflows, data and security. Writing the first version is the small part of that work.
Two shortcuts that cost more later
Screens written with AI tools
A fast first versionThe maintenance work over the following years does not get smaller.
A large code base to ownYour team must understand and maintain code that an AI tool wrote.
Connections still to buildLinks to your core, data, credit rules and security remain your team’s work.
Generic internal-tool builders
Built for simple formsThey suit back-office forms more than customer journeys.
No banking built inCredit rules, approvals, audit and the banking data model are left to your team.
Fragile when data changesA changed field in a core system can break screens.
Every screen uses what Zoral fOS already provides
Each screen uses the security, audit trail, data, workflows and credit rules of Zoral fOS. Your team does not rebuild them for each portal.
Screens
Web · Mobile · Branch · Partner
Zoral Portal Studio
Screen design and release
Zoral fOS
Security · Audit trail · Data · Workflows · Decisions · Compliance rules
Your existing systems
Core · Data · Infrastructure
The choice, side by side
Separate tools and hand-written screens
Hand-written code to maintain for every screen, or tools built for one department.
Zoral Portal Studio with Zoral fOS
Screens built to be maintained for years, across every product and channel.
Separate tools and hand-written screens
Custom code for each screen.
Zoral Portal Studio with Zoral fOS
Screens connect through Zoral fOS, alongside your core.
Separate tools and hand-written screens
Teams find out after a screen breaks.
Zoral Portal Studio with Zoral fOS
Zoral fOS shows it before release.
Separate tools and hand-written screens
Custom code everywhere, or fixed layouts.
Zoral Portal Studio with Zoral fOS
Configured by default. Engineers add their own components wherever they add value.
A quick prototype is only the first step
After the prototype come testing, releases and years of change. In Zoral Portal Studio, every screen is tested and released with the rest of the platform.
- Prototype
- Bank-ready screens
- Testing
- Release management
Testing and maintenance, built in
Hand-built screens
Often not tested at banking volumes.
Zoral Portal Studio
Your team can test screens at high volumes before launch.
Hand-built screens
Each change is retested across every connected module.
Zoral Portal Studio
Screens are built in a standard way, so less testing is done by hand.
Hand-built screens
Written by hand.
Zoral Portal Studio
Built-in tools create realistic test transactions.
Hand-built screens
Each screen’s code is maintained on its own.
Zoral Portal Studio
Architects, developers, analysts and testers review every change in one place.
See what a change affects before it goes live
One change to a data field can break workflows, credit rules, models and screens across many products.
Dependency trackingZoral fOS records which screens, workflows, rules and models use each field.
Early warningYour teams are warned when a change affects another team’s work.
Checked before releaseConflicts are flagged before they reach live systems.
Workbenches for the people who do the work
Branch relationship managers
See each customer clearly, with credit decisions from Zoral Decision Engine in branch.
Loan processors
Track document checklists, loan conditions and every deal in progress.
All built in one studio: Zoral Portal Studio
One application, from home to branch
Start at home
A customer starts a loan application on the bank’s website.
Continue on the phone
They photograph their ID in the bank’s app and upload it.
Finish in branch
A relationship manager opens the same application. Nothing is entered twice.
What your team works with
Manage releases for every portal (web, mobile, branch, partner and chat) in one place.
Design screens visually and publish them to every channel.
Set each portal’s access, branding, documentation and security.
More ways it saves work
Design once, use everywhere
A screen designed once works on web, mobile, branch and partner portals.
AI for Zoral turns a design image into a draft screen. A designer or developer reviews and finishes it.
Screens update as cases move, without a page refresh.
For your architects
Screens as definitions. Each screen is versioned metadata, rendered for each channel and released with Zoral fOS.
The escape hatch. A micro-frontend architecture lets engineers write their own React components, using the bank’s own component library and design system. Custom components are versioned and approved like configuration, and released from the same console.
Identity and access. Keycloak, with role-based access.
Live data. WebSockets and GraphQL, connected to Zoral fOS workflows and Zoral Data Fabric.
Dependency index. An index service tracks each field across screens, workflows, rules and models.
AI coding assistant. AI for Zoral inside the studio. Its output is reviewed, versioned and approved like any change.
Hosting. AWS or Azure in your chosen region, or your own data centre.
Questions banks ask
Our engineers could build these screens in React with AI tools. Why use Zoral Portal Studio?
They could build the first version, and AI makes that faster. The larger work is keeping every screen connected to credit rules, workflows, data and security for years. Zoral Portal Studio provides those connections, so no team rebuilds them for each screen. Your engineers keep full freedom to write their own components where they add value.
Do we have to replace our existing customer app?
No. Keep the app that works for your customers. Zoral fOS can work behind it, and Zoral Portal Studio can add new journeys or staff screens where you need them.
Can the screens be shown in other languages?
Yes. Zoral Portal Studio can show the same screens in English, Malay, Thai and other languages, so customers, partners and staff can work in their own language.
How is AI used in Zoral Portal Studio?
AI for Zoral is guardrailed, with human-in-the-loop supervision. It drafts screens, and a person approves every change. It acts only through the permissions and approvals your bank sets, and every action, prompt and tool call is recorded. AI does not make credit decisions; those follow rules and models your bank approves. Your bank chooses its language models, connected through a standard interface (MCP), and data stays within the environments and agreements you control.
Who implements it?
Atelier, Zoral’s senior consulting practice, designs the customer and staff journeys and builds them with your team. The people who built the platform are part of every programme. See Product innovation and Engineering and delivery.
Product brief
Get the Zoral Portal Studio 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.
See what Zoral Portal Studio can do for your bank
Talk to us about your web, mobile and branch screens. We will show how Zoral Portal Studio brings them together, without replacing your core.
Contact Us
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Automate lending, banking and finance operations.
London
+44 20 3963 2002Miami
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