Device financing has become a critical growth lever across telecom, retail, and digital platforms, enabling higher adoption, loyalty, and recurring revenue. However, traditional device financing models struggle with fraud risk, rigid eligibility rules, and poor integration with point-of-sale and digital channels. Sustainable scale requires real-time intelligence embedded directly into device journeys.
Evaluates eligibility, limits, and pricing instantly at point of sale.
Assesses fraud risk, repayment behavior, and device misuse patterns dynamically.
Seamlessly integrates financing into POS systems, apps, and partner platforms.
Automates onboarding, activation, repayments, upgrades, and collections.
Ensures policy enforcement, auditability, and regulatory compliance by design.
Core capabilities that power intelligent automation, seamless integration, and scalable performance across the entire ecosystem.
Focused execution and intelligent automation deliver measurable improvements across the lending lifecycle, creating clear and sustained business impact.
Engagement models designed to offer flexibility, transparency, and control.
scalable device financing.
into risk and performance.
over limits, fraud, and governance.
multi-partner device financing ecosystems.
Key engagements that showcase innovation, efficiency, and real business results.
Instant device financing increased smartphone adoption while controlling defaults.
Behavioral risk models reduced device fraud and early delinquencies.
API-led device financing enabled rapid partner and channel expansion.
Insights and perspectives that shape industry thinking and inspire state-of-the-art digital transformation.
Zoral’s Device Financing solution enables seamless financing for smartphones and devices across telco, retail, and platform channels using Olympus fOS. It delivers real-time eligibility, limit, and pricing decisions, then automates onboarding, repayments, upgrades, and collections to reduce operational load. Adaptive controls help manage fraud and early default risk, while integrations connect POS systems and partner platforms for scale. The result is higher device adoption and conversion, improved customer affordability, lower portfolio risk, and scalable programs built for high-volume ecosystems.
