Lend through your partners’ brands. Keep the credit decision yours.

You decide, partner by partner. In most programmes, the brand owns the journey. Your bank is the lender and holds the account and the credit relationship. Zoral records which party sees which data, under the agreements you set. This keeps the boundary clear for customers, auditors and the partner.

Less with each one. A new partner reuses the products, rules and journeys you already run. The remaining work is the partner’s branding, its product variant and the connection itself. A short scoping discussion gives you a realistic plan for the first partner.

Yes. Each partner can have its own variant of products you have already approved, with its own pricing, limits and eligibility rules. New variants are tested against simulated account activity before launch. Every version is kept with its approval history. Your credit policy stays the common base.

Not necessarily. Partners can use a hosted journey in their own branding, show your offer on their own screens through documented interfaces, or reach you through an embedded-finance distribution network that places offers in brands’ journeys with little work on the brand’s side. You choose which route suits each partner.

Zoral is designed for high availability and to scale with demand. Expected peaks can be tested before the event. Your credit appetite can be capped per partner and per campaign, so a surge at one brand stays within the exposure you set for it.

Your bank remains accountable as the lender. Zoral applies your affordability rules and records the disclosures and consents each customer saw. It can be configured to flag signs that a customer may be vulnerable, and keeps the evidence per partner. 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. The obligations are your bank’s. The platform gives you the controls and the evidence, partner by partner, to meet them.

Yes. Islamic and conventional products can run side by side, each under the contract structures and rules your bank approves. Your Shariah board or committee remains the authority; Zoral provides the configurable structures and the evidence trail for its review.

Its own results: applications, approvals, conversion and the measures you agree to share. It does not see other partners’ data or your internal credit detail. Your teams see every partner side by side, against plan, with the reasons when results drift.

No. Zoral works alongside your core and your card processor, posting bookings to them through documented interfaces. Where it suits you, Zoral can hold partner accounts in its own sub-ledger and post to your general ledger. Your existing investments keep working.

AI for Zoral helps our specialists and your teams build and check partner journeys, product variants and rules more quickly. It suggests; your people approve. You choose any language models involved, whether enterprise model services or open-weight models your team tunes and hosts. They connect to Zoral fOS through a standard interface (MCP). Client data stays under your governance, within the environments and agreements you control. Credit decisions run on the rules and models your bank has approved. Each decision is recorded with its reasons.

Zoral runs on AWS or Azure in your chosen region, or in your own data centre, to suit data residency rules. 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. Partners connect through documented interfaces, with access limited to what each needs. The platform is designed for high availability. 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 banking operations and the partner relationships.

Your data, product definitions and audit history remain yours and can be exported in standard formats. Zoral is an independent specialist founded in 2004, not part of a bank or a core banking vendor. Our platform is our own. We work alongside your advisers and integrators, and have a long-standing relationship with KPMG.

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 help design the partner propositions and the credit decisions behind them.

Product innovation · Credit risk and decisioning