Zoral equips retail and digital banks with the technology foundation needed to compete in today’s fast-evolving financial landscape. From legacy modernization to full-stack digital banking, Zoral accelerates transformation journeys and helps banks deliver contextual, intelligent, and hyper-personalized experiences at scale.
Retail and digital banks face unprecedented pressure to innovate. Consumers expect seamless, omni-channel access and personalized financial experiences. Regulators demand tighter oversight. Legacy systems strain under the weight of modern expectations. This is where intelligent automation, composability, and AI-native banking come into play.
Outdated core systems limiting agility and digital service delivery
Fragmented customer journeys across physical and digital touchpoints
Manual, time-consuming onboarding and credit decisioning processes
Poor data interoperability across lines of business
High cost-to-serve and sluggish innovation cycles
Zoral enables retail and digital banks to break free from legacy constraints and embrace next-generation banking models. Whether launching greenfield digital banks, modernizing core platforms, or building AI-powered customer journeys, Zoral’s intelligent technology stack gives banks the agility and control to win in a digital-first world.
Digital onboarding with risk profiling, eKYC, and workflow automation
AI/ML decision engine for scoring, recommendation, and credit risk
Middleware for composable banking, integrations, and data flows
Behavior-based insights and personalization engine
Digital marketplace layer to enable upsell and cross-sell across financial products
End-to-end workflow automation for account opening, loan origination, and servicing
Zoral helped us digitize onboarding and credit decisioning in less than four months. Our approval times are now measured in minutes, not days.
Chief Digital Officer
APAC-based Retail Bank
Our digital bank went live with Zoral’s modular stack, delivering a full-featured customer app with zero legacy friction.
Group Head of Innovation
Tier-1 Banking Group
With Zoral, we moved to a composable, API-first architecture while continuing to operate our legacy core. It was a game-changer.
SVP Technology
Middle East Retail Bank
