Zoot Solutions

Zoot Solutions is a provider of decisioning and loan origination software, helping financial institutions assess risk, onboard customers, and manage credit processes. Zoot supports banks, lenders, and payment providers across Europe and beyond.

Key Use Cases

• Loan Origination: End-to-end digital pipelines from application to approval, including configurable workflows, underwriting, documentation, e-signature, and reporting.

• Merchant Onboarding & Ongoing Review: Automated KYC, KYB, and AML checks, risk scoring, and case management to streamline onboarding and lifecycle reviews.

• Consumer & SME Lending: Configurable strategies for affordability checks, fraud prevention, credit bureau integration, and real-time decisioning.

• Fraud Prevention & Compliance: Integration with sanctions lists, reputation services, trade registers, and credit bureaus for secure, defensible decisions.

Key Features

• Strategy Hub for automated decisioning logic and configurable rules.

• Data Gateway with access to multiple third-party data sources in real time.

• Case Management for flagged applications and exception handling.

• Document Automation & E-Signature to complete digital journeys.

• Analytics & Reporting to track performance and ensure auditability.

Benefits

• Speed & Efficiency: Reduce manual effort, shorten time-to-decision, and improve straight-through processing rates.

• Flexibility & Control: Risk and credit teams can adjust logic without IT dependencies.

• Compliance & Risk Management: Built-in checks and transparent workflows meet regulatory requirements.

• Scalability: Designed for financial institutions of all sizes, from retail banks to global acquirers.