Zoral enables e-commerce platforms to evolve into financial service powerhouses—embedding credit, payments, and financial experiences directly into user journeys. By leveraging the modular capabilities of the Zoral Olympus Finance Operating System (fOS), e-commerce players can offer banking-like services that drive loyalty, lifetime value, and monetization.
The e-commerce landscape is undergoing rapid transformation as platforms seek to become end-to-end digital ecosystems. From embedded checkout finance to merchant credit, the demand for seamless, contextual, and compliant financial services is rising.
Low conversion at checkout due to friction in payments and financing
Merchant and vendor liquidity constraints limiting growth
Inability to underwrite users with limited or no credit history
Fragmented onboarding and compliance workflows across markets
High cost of customer acquisition and retention
Zoral empowers e-commerce platforms to become fintech-native without having to build core financial infrastructure from scratch. Our suite of pre-integrated solutions and AI-native modules allow platforms to launch, scale, and optimize embedded finance journeys with speed and compliance.
Whether you're enhancing customer experience at checkout, creating new revenue streams through lending, or deepening engagement with loyalty-linked financial products—Zoral provides the intelligence and orchestration layer to do it all, seamlessly.
Real-time, rules-based and AI/ML-powered underwriting and offer management
Automate and personalize end-to-end financial journeys across digital commerce flows
Integrated eKYC, AML, and fraud detection tuned for marketplace dynamics
Context-aware, AI-optimized collections and recovery workflows
Behavioral and transactional intelligence to drive segmentation and personalization
Zoral enabled us to embed lending into our platform in weeks—not months. We now offer credit at checkout with instant approval, dramatically increasing conversions.
Chief Product Officer
SEA-based Marketplace
With Zoral’s decisioning and orchestration stack, we’ve launched tailored finance journeys for our merchants and sellers, boosting revenue and retention.
VP
Growth, Global E-Commerce Brand
Zoral’s collections intelligence has reduced our delinquency rates while improving customer experience. It’s a game-changer.
Director of Credit Operations
B2B Marketplace
