Zoral empowers brands, platforms, and ecosystems to seamlessly integrate financial products into their customer journeys. As a pioneering enabler of embedded finance, we help digital businesses unlock new revenue streams, strengthen user loyalty, and scale financial experiences without directly holding licenses or building full regulatory infrastructure.
The embedded finance model is redefining how users access credit, payments, insurance, and investment products. E-commerce platforms, logistics companies, HR tech providers, and telcos are embedding financial services into their existing customer experiences. However, building and scaling such services brings complex challenges.
Navigating multi-jurisdictional compliance frameworks
Lack of scalable infrastructure for real-time financial services
High cost and risk of product development for non-financial companies
Poor visibility into customer financial behavior and lifecycle
Fragmented partner and provider integrations
Zoral enables digital businesses to transform into financial experience platforms—without building from scratch. Our composable finance stack, deep domain expertise, and global delivery experience make us the preferred partner for embedded finance at scale. Whether you're enabling buy-now-pay-later (BNPL), launching digital wallets, or embedding payroll-linked credit, Zoral delivers the technology and insight needed to succeed.
We support clients end-to-end, from solution design and regulatory readiness to deployment, automation, continuous optimization, and performance measurement.
Advanced decisioning and personalization for credit, offers, and eligibility.
Journey orchestration and workflow automation across products and partners.
Unified data intelligence layer enabling real-time insights and auditability.
Automated operations for onboarding, compliance, and servicing.
Offer salary advances and financial wellness products within HR and payroll systems.
Document intelligence and OCR to power identity, KYC, and onboarding use cases.
Outcome-focused monitoring, optimization, and reporting tools for product performance.
Zoral helped us launch our BNPL product across five markets in under six months—with regulatory compliance built-in. Their modular approach made scale painless.
CEO
Leading Regional E-Commerce Platform
We were looking for a partner who understood both finance and technology. Zoral delivered both with deep domain knowledge and a collaborative mindset.
Head of Product
Global Logistics Tech Company
With Zoral, we turned an idea into a functioning embedded wallet ecosystem that’s now one of our top revenue streams.
COO
Southeast Asian Telco
