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Zoral Apollo AI

Decisions at the Speed of AI

Financial institutions are constrained by manual decisioning, fragmented AI experiments, and the inability to nimbly adapt at scale. Zoral Apollo AI delivers the scalable intelligence needed to significantly reduce costs, risk exposure, and provide access to expanded market opportunities.

Outcome Highlights

Up to 85%

Reduction in fraud rates with real-time anomaly detection

Up to 98%

Faster time-to-yes in credit decisioning and onboarding

Up to 138%

Increase in loan volumes with automated underwriting and approvals

Up to 65%

Lower cost-to-launch for AI-driven financial products

Optimization

of portfolios, pricing, and risk management

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Core Features

Focused set of capabilities designed to deliver reliable performance, accelerate delivery, and support complex business needs across the entire lifecycle.

Multi-agent orchestration 
Configure specialized AI agents for underwriting, fraud, onboarding, and collections.s
Model Context Protocol (MCP)
Execute AI-driven decisions with intelligent context, policies and full traceability.s
Autonomous workflows
Agents act independently or collaboratively across digital products and systems.s
Plug-and-play AI integration
Connect external models, intelligent agents, and third-party APIs.s
Human-in-the-loop controls
Blend autonomous AI with oversight for compliance and risk governance.s

Use Cases

Industry scenarios highlight how the solution adapts to diverse needs and consistently drives meaningful improvements.

Robo underwriting for retail, SME, mortgage, and auto lending.

Fraud detection and real-time anomaly prevention.

AI-powered onboarding with personalized terms and affordability checks.

Virtual assistants for servicing, KYC, and customer support.

Automated collections optimization with predictive repayment scoring.

Competitive intelligence monitoring and adaptive pricing.

Case Studies

Mid-Sized Bank (APAC)

Challenge

Lengthy approval cycles and operational overhead.

Solution

Deployed Apollo AI for underwriting and onboarding.

98%

Faster approvals

43%

Improvement in retention

72%

Increase in loan approvals

Digital Lender (Europe)

Challenge

High fraud rates and manual document review delays.

Solution

Integrated Apollo AI agents with Intelligent Document Processing.

85%

Fraud reduction

97%

Less manual processing

90%

faster time-to-close

Thought Leadership

Insights and perspectives that shape industry thinking and inspire state-of-the-art digital transformation.

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Ready to Put Agentic AI to Work in Your Institution?

Zoral Apollo AI enables financial institutions to replace cumbersome complexity with graceful intelligence — delivering faster, smarter, and safer decisions at scale.

Contact Us