Zoral Finance Operating System (fOS)

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

Zoral fOS automates lending, banking and finance operations around the core you already run. Decisions, workflows, documents, products, customer screens and the links between them run on one platform, with one record of everything. Start with one product, then add the next on the same platform.

Built for banking, not adapted to it.

General-purpose workflow and automation tools can be shaped into almost anything. But the banking itself is left for someone to build. Your teams, or an integrator, must design, connect and maintain the credit policy, products, documents, approvals, collections and audit trail. Zoral fOS starts with that banking work already in place, ready to configure to your policies.

Built for

  • Retail lending and SME credit

  • Home and auto finance

  • Commercial and specialty portfolios

Why Zoral fOS?

The whole lending lifecycle, not only the app

Many platforms make the customer app look good, but few run what happens behind it. Zoral fOS runs origination, credit decisions, underwriting, document checks, conditions, collateral, funding, servicing and collections. It can work behind the app you already have.

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What banks and lenders automate with Zoral fOS.

A sample of the work we have done for clients over the years. Each one runs on the same platform.

  • United States

    Bank

    Cross-Document Verification

  • Sweden

    Bank

    Image Data Extraction

  • Philippines

    Bank

    Serial Fraud Prediction

  • Colombia

    Bank

    Financial Spreading

  • Peru

    Bank

    3rd Party Fraud Prediction

  • South Africa

    Bank

    Assets Calculation

  • United Kingdom

    Bank

    Affordability Estimation

  • Canada

    Bank

    Add-On Propensity

  • Thailand

    Bank

    Cancellations Prediction

  • Panama

    Bank

    Collateral Valuation

  • Brazil

    Bank

    Robo Deal Scoring

  • Kenya

    Bank

    Channel Optimization

  • Spain

    Bank

    Limit Management

  • Malaysia

    Bank

    Design-to-screen conversion

  • Mexico

    Bank

    KPI Monitoring

  • Argentina

    Bank

    Product Mix Optimization

  • Nigeria

    Bank

    Underwriting Automation

  • United States

    Bank

    Commercial Banking

  • Sweden

    Bank

    Digital Banking

  • Philippines

    Bank

    System health monitoring

  • Colombia

    Bank

    Behaviour Scoring

  • Peru

    Bank

    Behaviour Credit Score

  • South Africa

    Bank

    Revenue Optimization

  • United Kingdom

    Bank

    NPV Estimation

  • Canada

    Bank

    Churn Prevention

  • Thailand

    Bank

    KYC Verification

  • Panama

    Bank

    Contactability Estimation

  • Brazil

    Bank

    Automated collections

  • Kenya

    Bank

    Data Cost Optimization

  • Spain

    Bank

    AI Model Monitoring

  • Malaysia

    Bank

    Dynamic RPC

  • Panama

    Bank

    Sentiment Analysis

  • Brazil

    Bank

    Right Party Contact

  • United Kingdom

    Bank

    Document Processing

  • Canada

    Bank

    Document Validation

  • Thailand

    Bank

    Anomaly Detection

  • Panama

    Bank

    AI-prepared credit analysis

  • Brazil

    Bank

    Multiple Accounts Discovery

  • Kenya

    Bank

    Liabilities Calculation

  • Spain

    Bank

    Financing Conditioning

  • Malaysia

    Bank

    Acceptance Prediction

  • Mexico

    Bank

    Cross-Sell Prediction

  • Argentina

    Bank

    Robo Underwriting

  • Nigeria

    Bank

    Customer Segmentation

  • United States

    Bank

    Risk-Adjusted Pricing

  • Sweden

    Bank

    Risk-Adjusted Pricing

  • Philippines

    Bank

    Journey Personalization

  • Colombia

    Bank

    Portfolio Re-calibration

  • Peru

    Bank

    Models in live decisions

  • South Africa

    Bank

    BNPL Automation

  • United Kingdom

    Bank

    Mortgage Automation

  • Canada

    Bank

    Lead Scoring

  • Thailand

    Bank

    Financing Close Prediction

  • Panama

    Bank

    Mid-Term Cancellations

  • Brazil

    Bank

    CASA & Revolving Credit

  • Kenya

    Bank

    Payments Optimization

  • Spain

    Bank

    Portfolio Profitability

  • Malaysia

    Bank

    Portfolio Valuation

  • Mexico

    Bank

    Refinancing Default Risk

  • Argentina

    Bank

    Contactability Methods

  • Nigeria

    Bank

    Identity Verification

  • United States

    Bank

    Time-to-Yes Optimization

  • Sweden

    Bank

    AI Model Retraining

  • Mexico

    Bank

    Fuzzy Data Matching

  • Argentina

    Bank

    Customer-Care Models

  • United States

    Bank

    Mortgage Automation

  • Spain

    Bank

    Document Categorization

  • Malaysia

    Bank

    Linked Accounts Discovery

  • Mexico

    Bank

    Loan File Validation

  • Argentina

    Bank

    Fraud Detection

  • Nigeria

    Bank

    Income Calculation

  • United States

    Bank

    Renewals Prediction

  • Sweden

    Bank

    Financing Resolution

  • Philippines

    Bank

    Detecting gamed applications

  • Colombia

    Bank

    Up-Sell Prediction

  • Peru

    Bank

    Default Prediction

  • South Africa

    Bank

    Targeted Marketing

  • United Kingdom

    Bank

    CLTV Prediction

  • Canada

    Bank

    Credit Limit Monitoring

  • Thailand

    Bank

    Language model tuning

  • Panama

    Bank

    Digital Finance Design

  • Brazil

    Bank

    RPA Workflow Orchestration

  • Kenya

    Bank

    SME & Leasing Finance

  • Spain

    Bank

    Auto Finance

  • Malaysia

    Bank

    Churn Prediction

  • Mexico

    Bank

    Pipeline conversion prediction

  • Argentina

    Bank

    Claims Prediction

  • Nigeria

    Bank

    Resolution Engine

  • United States

    Bank

    Default Prediction

  • Sweden

    Bank

    Portfolio Scenario Analysis

  • Philippines

    Bank

    Competitive Analysis

  • Colombia

    Bank

    Collectability Prediction

  • Peru

    Bank

    Collection Optimization

  • South Africa

    Bank

    Chargeback Detection

  • United Kingdom

    Bank

    Data Quality Monitoring

  • Canada

    Bank

    Lifecycle Management

  • Colombia

    Bank

    Unstructured Data Extraction

  • Peru

    Bank

    Budgeting & Provisioning

  • United States

    Bank

    Financing Conditioning

One platform in six layers. Use one, or all of them.

Data, decisions and measurement sit at the centre. Around them are the components that do the work. Every component shares the same data, security, audit trail and change control. Solutions for each product reach out from this centre, and Atelier helps you decide where to go next.

Zoral fOS at the centre: Zoral Data Fabric, Zoral Decision Engine and the Business Outcomes Layer, with Core Orchestrator, Product Factory, Portal Studio, Intelligence Layer, Document Fabric and Integration Gateway around them. Solutions connect on the left, Atelier services on the right, and your bank's systems and data below.Zoral fOS at the centre. Everysolution and service connects to it.Each solution and Atelier service works on its own,and all of them record into, decide with and learnfrom the same platform.SolutionsAtelier servicesZoral fOSZoral Data Fabricrecords everything, quality built inZoral Decision Enginedecides in real timeBusiness Outcomes Layermeasures each change and tunesZoral Core OrchestratorZoral Product FactoryZoral Portal StudioZoral Intelligence LayerZoral Document FabricZoral Integration GatewayDigital and Islamic bankingLoan originationHome financeCards and personal financeSME and corporate lendingAuto, BNPL and point of saleEmbedded and supply chain financeInsuranceAssessment and strategyProduct innovationCredit risk and decisioningData, AI & AutomationCustomer lifecycle and collectionsEngineering and deliveryconnected both waysYour bank's systems and datacore banking, cards, CRM, bureaus, paymentsystems, partners, and your enterprise data lake(Databricks, Google Cloud and others)
  1. Business results

    The Business Outcomes Layer compares results with plan and shows the effect of every change. It also simulates a change on past applications before release.

    Learn more:Business Outcomes Layer

Zoral fOS layers, with Business results highlighted

Why not assemble it from separate tools?

Any bank can buy a workflow engine, a rules engine, a screen builder and AI coding tools, and each is good at its job. You can fit any stereo you like to a car. But you would not build a car from one maker’s front axle and another maker’s rear axle. Some parts work only when they are designed together, and in banking these include credit rules, workflows, documents, data and the audit trail.

So the question for the board is not which tools your engineers prefer. It is who will build, connect and maintain the banking logic for the next ten years, and how quickly the business can change it.

  • Where the logic lives

    Assembled from separate tools

    Spread across tools, so a policy change is made in several places.

    Zoral fOS

    In one place, used by every channel and product.

  • Banking content

    Assembled from separate tools

    Your team or an integrator builds the credit policy, products, documents, approvals and collections.

    Zoral fOS

    Already built, ready to configure to your policies.

  • The team you need

    Assembled from separate tools

    A large team with many technical skills, mostly writing and maintaining code.

    Zoral fOS

    A smaller team that configures, with engineers adding code only where it adds value.

  • The whole picture

    Assembled from separate tools

    No single view of what happened to a customer, or what a change affected.

    Zoral fOS

    One console to see and control every product, rule, workflow and screen.

  • Making a change

    Assembled from separate tools

    Most changes need engineers, so the backlog of IT projects returns.

    Zoral fOS

    Product, credit and operations teams make changes, with testing and approval.

  • Audit trail and lineage

    Assembled from separate tools

    A separate log in each tool, joined up after the event. Data lineage breaks at every hand-off between tools.

    Zoral fOS

    One record of every decision and change, with lineage from source data to decision and data-quality checks built in.

  • Cost over time

    Assembled from separate tools

    Several licences, skill sets and upgrade cycles to keep in step.

    Zoral fOS

    One platform, designed to cost less to maintain.

  • What is measured

    Assembled from separate tools

    Tasks completed.

    Zoral fOS

    Business results, by product and channel.

  • Engineers’ freedom

    Assembled from separate tools

    Full, but every tool and every connection is theirs to maintain.

    Zoral fOS

    Full where they need it: React components, Java, C# or Python code, their own models and any approved system.

Let your IT team be the architect, not only the builder. Your engineers keep their freedom, and the bank gets one place to see and control everything.

What sets Zoral fOS apart.

Governed AI

AI in Zoral fOS is guardrailed and works under human-in-the-loop supervision. Agents prepare, check and draft. 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, and accountability stays with your bank.

You choose the language models: enterprise model services or models you host yourself, connected through a standard interface (MCP). Your data stays within the environments and agreements you control.

Machine-learning models handle default, pricing and limits. Language models read documents and draft.

Since 2007, Zoral has put machine-learning models into live, high-volume lending, where every decision counts. We were doing this long before the current AI wave.

01 / 08

Questions banks ask about Zoral fOS

Fit with what you have

Do we have to replace our core?

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.

What happens to the systems and data we have already invested in?

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.

Platform or separate tools

Our engineers could build this from best-in-class tools. Why a platform?

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.

Can our developers 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.

Will we be locked in?

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.

Control and delivery

How is AI kept under control?

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.

Where does it run, and who runs it?

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.

How do we start?

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.

Who implements it?

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.

Cover of the Zoral fOS product brief

Product brief

Get the Zoral fOS product brief

11 pages to read and share with your colleagues: what Zoral fOS changes, how it is controlled and audited, and how it works with the tools you already own.

Download the product brief (PDF)

Start where change costs you most.

Bring us the product, process or decision that holds you back today. A senior Zoral specialist will show how Zoral fOS would handle it, and what the first step would be.

Contact Us

Prefer to pick a time? Schedule a meeting

Automate lending, banking and finance operations.

London

Epworth House25 City RoadLondonEC1Y 1AAUnited Kingdom
+44 20 3963 2002

Miami

1221 Brickell Building, Suite 900Miami, FL 33131USA
+1 (305) 347-5133