Traditional lending models are slow, costly, and rigid — creating barriers to SME and consumer growth. Zoral delivers Digital Lending solutions by combining the AI-native capabilities of Olympus fOS with the domain expertise of Zoral Atelier Consulting Services. Together, they orchestrate end-to-end lending journeys, automate underwriting, and personalize offers in real time — enabling financial institutions to grow profitably while managing risk.
Powers adaptive underwriting and dynamic personalization.
Automates policy rules, scoring, and pricing decisions.
Reduces manual onboarding data entry, human error, processing time, and fraud.
Conducts end-to-end journeys seamlessly in concert with data, documents, and approvals.
Enriches risk assessment with real-time behavioral signals.
Links lending workflows to cores, bureaus, and eKYC services.
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.
Redesign origination, underwriting, and servicing with the full fOS stack.
Deploy decision engines and behavioral data to strengthen risk models.
AI-led segmentation and recovery strategies.
Tailored strategies leveraging cashflow-based lending.
Monitor KPIs with Athena and recalibrate strategies.
Key engagements that showcase innovation, efficiency, and real business results.
Implemented Hyperion DE + Apollo AI for underwriting; reduced decisioning time by 85%, expanded SME portfolio profitably.
Digital Lender: Leveraged Pulse for behavioral scoring and Scribe for IDP; boosted approval rates by 30% while reducing fraud exposure.
Deployed Maestro + Athena to orchestrate workflows and monitor results; improved collections recovery by 25%.
Insights and perspectives that shape industry thinking and inspire state-of-the-art digital transformation.
