Win the deal at the dealership. Keep control until the final payment.

Yes. Dealers with a dealer management system can submit deals and receive decisions through it by API, events or file. Others use a dealer portal, or email applications for your team to complete. Each application lands in the same record. You decide what each dealer can see and do, and how each is paid.

In most cases, yes. Campaign rates, subsidies, eligible models, dates and dealers are held as settings your product team can edit. A second person approves each change before it goes live. Each campaign is tracked from launch to the end of its contracts, so you can see what it cost and what it brought in. Your credit policy still applies to campaign deals.

The speed comes from running more checks while the customer waits, not fewer. They cover identity, affordability, fraud, the vehicle’s history and loan-to-value. Deals outside policy go to a person. After funding, early warning signals by dealer, campaign and product show where results are drifting from plan. You then tighten policy, with each change approved and recorded.

Before payout, the vehicle is checked for existing liens and dealer floor-plan finance, and insurance is confirmed with your interest noted. After payout, registration and ownership transfer are followed until your interest is recorded. Where your market still uses a paper title, the title is then held, tracked while in your custody and released when the contract is settled. Open items have an owner and a deadline. Your policy decides which items must close before funds are released.

Customers can ask for balances and settlement figures through your channels. Restructuring follows packages your credit team sets up, with the affected accounts flagged. Early warning signs can be configured to pass to collections with the full history. Help for customers in financial difficulty follows rules you approve. Every arrangement is recorded.

Yes, within the consent your customers have given. Models estimate who is likely to settle early, renew or move to another lender, and which offers they are likely to accept, such as insurance or a new agreement near the end of term. Your teams choose the offers, and each new agreement passes the same affordability check as the first.

AI agents are configured to your policies and workflows. They help dealer-support staff complete and check applications, and help operations chase missing documents and registry or insurer responses. They also draft the credit paper for referred deals and answer customers’ questions after payout. 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, which connect to Zoral fOS through a standard interface (MCP). Client data stays under your governance, within the environments and agreements you control.

No. Zoral fOS can run origination, the vehicle and payout steps and servicing requests alongside your existing contract system. It can book approved deals into that system without re-keying. A new auto finance business can also hold its contracts on Zoral fOS. So can a multifinance company running car and motorcycle finance alongside cash loans secured on a vehicle the customer already owns. Each product has its own terms, configured in Zoral Product Factory. You decide how much moves, and when.

Yes. Islamic vehicle financing runs on the structures your Shariah board approves. In Malaysia this is usually AITAB (Al-Ijarah Thumma Al-Bai): the bank leases the vehicle to the customer, then sells it to them at the end of the term. It runs side by side with conventional hire purchase, with its own rules, documents and reporting. Your Shariah board remains the authority; Zoral provides the configurable structures and the evidence trail for its review.

Through documented interfaces where they exist: APIs, events, batch and file transfer. Where a registry, insurer or dealer system offers only a web screen, robotic automation can complete the steps that don’t need an in-person visit. If the screen changes, it flags the change instead of failing silently. Anything else becomes a tracked task for your team or an outsourced agent.

Yes. Business administrators can skip or add workflow steps for a product. They can also change approval-authority conditions, value lists, blocking rules and service targets through configuration rather than code. Each change is saved as a new version and tested. It goes live only once a second person approves it, and it can be rolled back. Your technology team keeps control of environments and releases.

On AWS or Azure in your chosen region, including in your own cloud account, or in your own data centre. 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. The platform is designed for high availability. It uses your identity management for sign-on, sends logs to your security monitoring and supports encryption keys you manage. Our controls are independently audited under SOC 2, with details on the Zoral Trust Portal. Architecture documentation is available under a confidentiality agreement.

You choose. 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 lending operations, from the dealer desk to collections. Your data, product definitions and audit history remain yours and can be exported in standard formats.

Most lenders start with one product, one dealer group or one region, then add more in regular releases. We give a realistic plan after scoping, not before. Zoral is an independent specialist, founded in 2004, with 350+ years of combined experience. The people who built the platform lead delivery.

Atelier, Zoral’s consulting and implementation team, works with your teams and, where you choose, with your advisers and systems integrators. The same team can tune dealer and customer decisions, and collections, against your plan.

Credit risk and decisioning · Customer lifecycle and collections