Olympus fOS enables end-to-end digital lending across personal, SME, and embedded use cases. Low-code configuration accelerates product launches, while AI-driven decisioning improves approvals, pricing, and risk control. Workflow orchestration automates onboarding, servicing, and collections. Institutions scale faster, reduce manual cost, and deliver consistent omnichannel borrower experiences, securely with full governance.

Zoral delivers modern digital banking journeys on Olympus fOS, unifying channels, workflows, data, and decisioning. Launch new accounts and services quickly with low-code tools, personalize experiences using behavioral signals, and automate servicing operations. Built-in security and governance keep interactions compliant. The result is faster innovation and lower operating friction, sustainably.

Adaptive LOS unifies application intake, document capture, verification, underwriting handoffs, and disbursement workflows on Olympus fOS. Configurable rules and decision strategies standardize approvals across products and channels. Automation reduces exceptions and cycle time while improving transparency. Banks gain faster time-to-yes, lower operational effort, and scalable origination capacity, end to end.

Olympus fOS modernizes corporate credit and working-capital journeys through automated document handling, workflow orchestration, and configurable decisioning. Integrations connect relationship channels and back-office systems for end-to-end visibility. Risk, pricing, and policy controls remain auditable and consistent across complex structures. Institutions improve turnaround times, manage exposure proactively, and scale service quality.

Zoral helps retail banks deliver frictionless onboarding, personalized engagement, and efficient servicing using Olympus fOS. Low-code product configuration speeds new offers, while embedded decisioning supports eligibility, pricing, and next-best actions. Workflow automation reduces branch and back-office workload. Banks improve conversion, retention, and operational efficiency while maintaining strong compliance and auditability.

Adaptive Document Processing converts unstructured documents into validated, decision-ready data. Olympus fOS classifies documents, extracts key fields, verifies completeness, and flags inconsistencies or risk signals. Automated workflows route exceptions and drive straight-through processing. Teams reduce manual review, speed onboarding and underwriting, strengthen compliance, and create reusable data assets across journeys.

Olympus fOS enables continuous portfolio optimization by tuning cutoffs, limits, pricing, and policies using real-time performance signals. Teams model trade-offs between growth, risk, and profitability, run scenario tests, and deploy strategy changes quickly. Ongoing monitoring supports recalibration as conditions change, improving risk-adjusted returns and reducing volatility at scale, sustainably continuously.

Zoral modernizes core banking progressively with Olympus fOS, avoiding disruptive rip-and-replace programs. Decouple products, workflows, and decisioning from legacy cores using modular services and API-first integration. Low-code configuration accelerates change, while governance ensures stability and compliance. Banks gain a future-ready foundation to innovate continuously without operational disruption, end to end.

Adaptive Trade Finance digitizes document-heavy trade workflows, reducing discrepancies, delays, and operational risk. Olympus fOS automates document intake, validation, approvals, and exception handling, while embedding consistent policy and compliance checks. Integrations connect internal systems and external networks for end-to-end visibility. Banks deliver faster turnaround and stronger audit-ready control, globally securely.

Lending as a Service delivers configurable, API-driven lending capabilities for banks, fintechs, and platforms. Olympus fOS provides origination, decisioning, servicing, and governance as modular components, enabling fast partner integrations and embedded journeys. Low-code tools speed product rollout and iteration. Institutions scale lending programs with consistent risk controls and operational efficiency.

Adaptive Credit Card Finance modernizes card programs with real-time decisioning for onboarding, limits, pricing, and controls. Olympus fOS enables rapid product configuration, personalized rewards, and automated servicing workflows. Behavioral analytics improves fraud detection and portfolio tuning. Issuers increase utilization and profitability, reduce losses, and deliver consistent experiences across assisted channels.

Adaptive Supply Chain Finance digitizes and scales liquidity programs across buyers, suppliers, and partners. Olympus fOS automates onboarding, invoice workflows, eligibility decisions, and settlements, using signals to manage risk and exposure. Flexible structures support multiple program types. Institutions improve supplier liquidity, strengthen relationships, reduce disruption risk, and grow volumes efficiently.

Adaptive Remittance modernizes cross-border transfers with orchestrated workflows, real-time controls, and scalable integrations. Olympus fOS automates validations, routing, exception handling, and compliance checks while maintaining transparent audit trails. Institutions reduce failures and processing friction, improve settlement speed and customer visibility, and scale corridors confidently with consistent governance and operational resilience.

Adaptive SME Finance streamlines SME lending using automated onboarding, document intelligence, and configurable credit decisioning on Olympus fOS. Cash-flow and behavioral signals improve risk assessment and pricing precision. Workflow automation reduces cost to serve, while portfolio controls support continuous recalibration. Lenders expand access, accelerate approvals, and scale SME portfolios profitably.

Adaptive Mortgage Finance accelerates mortgage origination and servicing by automating document-heavy steps and embedding consistent underwriting logic. Olympus fOS supports intake, verification, exception handling, and policy enforcement with auditable controls. Integrated workflows reduce cycle time and per-loan cost. Lenders improve borrower experience, strengthen compliance readiness, and scale mortgage volumes sustainably.

Adaptive BNPL enables instant checkout credit with portfolio-grade control. Olympus fOS delivers real-time eligibility and pricing, dynamic limits, automated repayments, and efficient exception handling. Behavioral intelligence helps manage fraud and delinquency as volumes grow. Providers improve conversion and customer experience while protecting margins through scalable operations and governance-ready risk controls.

Adaptive Banking as a Service exposes governed banking capabilities to partners through secure, API-first integration. Olympus fOS decouples products, workflows, and decisioning from legacy constraints, enabling faster partner onboarding and consistent policy enforcement. Monitoring and audit trails strengthen oversight across embedded journeys. Banks scale ecosystems while preserving stability and compliance.

Adaptive Device Financing embeds instant financing into telco, retail, and platform journeys. Olympus fOS powers real-time eligibility, limits, and pricing, then automates onboarding, repayments, upgrades, and collections. Behavioral signals improve fraud and early-default control. Partners increase conversion and affordability while lenders scale high-volume portfolios with disciplined governance and efficient operations.

Adaptive Auto Financing modernizes vehicle lending with real-time approvals, pricing, and lifecycle automation. Olympus fOS integrates dealer and digital channels, orchestrates verification and disbursement, and supports servicing and collections at scale. Decision strategies can incorporate asset and behavioral signals for better risk control. Lenders improve conversion, margins, and portfolio stability.

Adaptive Underwriting Automation delivers consistent, explainable underwriting decisions at scale. Olympus fOS combines configurable rules with intelligent decisioning, automates data and document verification, and orchestrates straight-through processing with exception routing. Governance ensures auditability and compliance. Institutions reduce manual workload, accelerate approvals, improve risk accuracy, and scale across products and channels.