Solutions for banks, lenders and insurers
Fix what costs you most first. Add the next product on the same platform.
Banks, lenders, insurers and platforms usually come to us with one pressing problem: approvals that take too long, a launch that keeps slipping, an ageing core or losses drifting from plan. The Zoral Finance Operating System (fOS) helps you fix it alongside the systems you already run. Each later product reuses what the first one built.
Founded 2004Over 100 projects350+ years of combined experienceClients regulated by the FCA in the UK, the CFPB in the US and the central banks of Malaysia and ThailandIndependently audited under SOC 2Long-standing relationship with KPMG
Start from what you need to change.
Most institutions come to us with one goal that matters most this year. Choose yours to see where to start.
Grow lending without loosening credit standards
Approve good customers sooner, on your credit policy, whether they apply in a branch, online, or through a broker or dealer.
Loan Origination (LOS)Retail BankingMSME & SME FinanceAlternative Finance
Launch a digital or Islamic bank
Get a complete platform for a new bank or brand, or add new products beside the bank you already run, conventional or Islamic.
Modernise around your core, without a big-bang replacement
Launch new products alongside your core and post them to your general ledger. Move existing products across if and when you are ready.
Cut cost-to-serve in credit operations
Zoral reads and cross-checks documents, prepares underwriting files and routes exceptions to the right person. Your people review and approve.
Intelligent Document ProcessingUnderwriting AutomationUS Mortgage AutomationCorporate & Commercial Lending
Reduce defaults without shrinking the book
Track each portfolio against plan, spot customers heading for difficulty early, and adjust pricing, limits, terms and collections.
Lend through partners and platforms
Offer finance inside partners’ customer journeys, at checkout or across a supplier network. The credit decision follows the lender’s policy.
Embedded Finance for BanksBNPL & Point-of-Sale FinanceSupply Chain Finance
Insurer, broker or Takaful operator? See insurance → · Know your product already? See all solutions → · Comparing platforms? See what to ask →
Choose by institution and product. Build once, reuse for the next.
Each solution runs on the Zoral fOS platform. The decisions, documents, workflows and connections you set up for one product are there for the next.
Banks: launch, grow, modernise
Digital Banking
Give customers the bank they expect without rebuilding the one you have. One platform serves a new bank or brand, or runs alongside your core.
Learn moreIslamic Digital Banking
Grow Islamic banking without rebuilding the bank. Run the full lifecycle on one platform, on the contract structures your Shariah board approves.
Learn moreRetail Banking
Give customers an answer before they leave the branch. Advisers get an AI assistant and a robo-underwriter that applies your credit policy.
Learn moreModernise Around Your Core
Keep your core and launch new products without waiting for it. They run alongside it and post to your general ledger. Over time, your core carries fewer products.
Learn more
Across your lending: origination and underwriting
Loan Origination (LOS)
Say yes sooner and explain every no, from first enquiry to booking in your core, with decisions, documents, approvals and partner portals built in.
Learn moreUnderwriting Automation
Your underwriters decide. Zoral prepares the file. It reads and cross-checks documents, calculates income and affordability, and applies your policy, recording the reasons.
Learn moreIntelligent Document Processing
Make credit decisions on checked documents, not retyped ones. Zoral Document Fabric reads 650+ financial document types and flags signs of tampering.
Learn more
Consumer and home finance
Credit Cards
Launch card programmes sooner, with limits you can defend, around your existing card processor.
Learn moreBNPL & Point-of-Sale Finance
Finance the sale at checkout, on credit you can stand behind. Plans are decided on your policy and each customer’s means, then managed to the final instalment.
Learn moreAuto Finance
Win the deal at the dealership and keep control until the final payment, for captives, banks and non-bank finance companies.
Learn moreAlternative Finance
Grow lending to underserved customers, with risk you can price and explain, from the lead you buy to the final instalment.
Learn moreUS Mortgage Automation
For US lenders: cleaner loans at a lower cost, on the loan origination system you already run.
Learn moreMortgage Finance — ASEAN
Answer home buyers sooner, with decisions that hold up at completion, across branches, developers and agents.
Learn more
Business lending
MSME & SME Finance
Faster answers for small businesses without lowering your credit standards, from one-person businesses to mid-sized companies, for loans, credit lines and leasing.
Learn moreCorporate & Commercial Lending
Spend your analysts’ time on judgement, not spreading. Zoral prepares spreads, credit memoranda and periodic reviews for them to check. Your committee decides.
Learn moreSupply Chain Finance
For B2B marketplaces and supplier networks: give merchants credit without becoming a lender, decided on their trading record and funded by a lending partner.
Learn more
Partner channels and insurance
Embedded Finance for Banks
Lend through your partners’ brands and keep the credit decision yours. Many branded offers run on one engine, under your credit policy.
Learn moreInsurance Providers & Brokers
Know which policies are likely to pay their way before you set the price, around your policy and rating systems. For insurers, brokers and Takaful operators.
Learn more
Not sure where to start? Start with one product.
Bring us the problem that costs most
A senior Zoral specialist works through it with your business, risk and technology leads: where customers drop off, where cost sits, where losses come from.
Prove it on one product
We start with one product or one step, on your credit policy, your data and your approval path. Results are compared with the plan you set.
Add the next on the same platform
The next product reuses the decisions, documents, workflows and connections already in place. You add more in regular releases, at a pace your board sets.
One vendor and one platform, with credit decisions you can explain.
We have built and launched the complete platform for a Shariah-compliant digital bank, as well as multi-product loan origination (LOS), credit decisioning and robo-underwriting systems. 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. References are available in confidence.
One platform, front to back office
Customer journeys, onboarding, credit decisions, documents, product rules, servicing and collections run on one platform, with one record of each action. You have fewer vendors to join together and fewer hand-offs.
Alongside what you already own
Keep your core, card processor, policy system or app. Zoral connects to your core banking and payment systems and to data providers through documented interfaces. There is no rip-and-replace.
Your business changes products, with governance
Product rules and credit policy are configured, not coded. Changes are tested against simulated account activity before launch and released with approvals on record.
Decisions your regulator can follow
Credit decisions follow the policy and models you approve, and each decision is stored with its reasons. AI agents, configured to your policies and workflows, help your teams with defined tasks, within the permissions you give them. They do not make credit decisions, and accountability stays with you.
Results tracked against your plan
Model the results you expect from each product, compare them with actual performance, and see where and why they drift before losses build.
Questions leadership teams ask first
Do we have to buy the whole platform?
No. You can start with one solution, such as document processing or origination for one product, and add more in regular releases. Each one reuses what is already in place. You decide the scope and the pace.
Do we have to replace our core or our existing systems?
No. Zoral works alongside your core, card processor, policy system and channels, and connects to them through documented interfaces. If you are launching a new bank or brand, Zoral can also be your system of record, with Zoral Product Factory as the product and account ledger. It can provide the customer journeys too. What you keep is your choice.
Which solution should we start with?
Usually the one where you lose the most customers, cost or credit quality today. A senior Zoral specialist can work through this with you in an executive briefing. Atelier, Zoral’s senior consulting practice, can help shape the roadmap and business case, directly or with your chosen advisers. You decide where to start.
Can conventional and Islamic products run on the same platform?
Yes. Banks with an Islamic subsidiary or window can run both, with products, rules and reporting kept separate. Your Shariah board remains the authority; Zoral provides the configurable structures and the evidence trail for its review.
How do you use AI, and who is accountable for decisions?
AI agents, configured to your policies and workflows, help named teams with tasks such as reading documents, preparing files and drafting credit papers. They act only through the permissions, workflows and approvals you set, and what they do is recorded. Agents do not make credit decisions. Those follow policy and models you approve, and accountability stays with you. You choose the language models behind them. They connect to Zoral fOS through a standard interface (MCP). Client data, knowledge bases and conversation records stay under your governance, within the environments and agreements you control.
Where does Zoral run, and how is it secured?
On AWS or Azure in your chosen region, or in your own data centre, to suit data residency rules. It is designed for high availability. Zoral Document Fabric, which reads your documents, runs in your own AWS or Azure account, or your private cloud, in your region and under your control. Our controls are independently audited under SOC 2, with details on the Zoral Trust Portal. Architecture documentation is available under a confidentiality agreement.
Who runs it day to day, and what if we change provider later?
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. Your data, product definitions and audit history remain yours and can be exported in standard formats.
How quickly can we start?
It depends on the product, your integrations and how quickly decisions can be made on your side. We recommend starting with one product and adding more in regular releases. We give a realistic plan after a short scoping discussion, not before.
Bring us one problem. Leave with a plan for the first product.
Tell us what needs to change: approvals that take too long, a product launch, an ageing core or a portfolio drifting from plan. A senior Zoral specialist will work through it with your business, risk and technology leads, recommend where to start, and show what your board and regulator would see along the way.
Contact Us
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Automate lending, banking and finance operations.
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+44 20 3963 2002Miami
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