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Real-Time Credit Risk Decisioning

Credit Risk Software for Banks, Lenders & Payment Providers

Assess every applicant's credit risk in real time — combining bureau data, open banking, scorecards, and your own credit rules in one place. Deploy policy changes in hours, with full governance and audit control.

  • Credit risk decisioning with full audit trail and explainability
  • Low-code configuration for rules, workflows, AI agents and screens
  • 450+ data and system integrations, sub-second response time
  • ISO 27001, SOC 2, GDPR compliant — hosted in the EU

Book a Discovery Call

30-minute working session with a Zoot Solutions expert. We'll map your use case and plan how Zoot can help. No pitch.

By submitting this form you agree to our Privacy Policy. We'll never share your details with third parties.

ISO 27001 SOC 2 GDPR EU
Vanquis
Moneybarn
Deutsche Leasing
Mann Island
Payone
Interbridge Mortgages
Investec
Vida Bank
Shawbrook
Rapyd
Schwarz Gruppe
Capabilities

Built for Credit Origination & Onboarding

From pre-screening through to final credit decision, Zoot gives risk teams the flexibility to configure, deploy, and iterate on origination policy — without raising an IT ticket.

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Application & Credit Pre-Screening

Capture credit applications across every channel — digital, in-store, broker, or call centre — with guided data capture, real-time eligibility checks, and pre-screening rules that filter high-risk applicants before deeper credit checks begin.

Automated Credit Risk Decisioning

Assess creditworthiness and affordability in real time using scorecards, bureau data, open banking, and fraud checks — orchestrated in one automated decision flow. Champion/challenger testing lets you validate every policy change before it goes live.

Credit Data Orchestration

Access bureau, identity, affordability, and fraud data through one integration layer — with cascading and fallback strategies that ensure every credit decision runs on the most complete, reliable data available.

Underwriting & Case Management

Automatically route referred and exception cases to the right underwriter — with a full case management workbench, intelligent queue management, and multi-stage workflows. Every credit decision fully auditable and traceable.

Zoot Solutions has proven to be an invaluable partner over the last decade. They provided us with rapid integration to multiple credit bureaus worldwide and a versatile decisioning engine that significantly streamlined our credit processes. Thanks to Zoot's solutions and their collaborative approach, we feel confident tackling future challenges and exploring new avenues for growth.

Peter Kox
Head of Solution Management International
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Want to see it in action?

A 30-minute working session with a Zoot Solutions expert — we'll map your decisioning challenge to the platform and show you exactly what a rollout would look like.

Book a Discovery Call
450+ integrations

Plugs into the stack you already run

Pre-built connectors to the data sources and systems European banks and lenders rely on every day.

Experian
Equifax
LexisNexis
Mastercard
Codat
Companies House
Coface
Cifas
AccountScore
Schufa
American Express
Citi
Microsoft Azure
Adobe
Veriff
Emailage
Arvato
Mailgun
Cecabank
Explore the Data Marketplace

Frequently asked questions

How does Zoot help us stay compliant with changing credit regulation?
Compliance requirements in European credit markets are evolving fast — from consumer duty and affordability rules to AML and GDPR. Zoot lets your risk team embed regulatory rules directly into every credit assessment flow, update them independently of IT, and maintain a full audit trail of every decision. When regulation changes, you change the rule — not the system.
Where is data stored and processed, and what are the deployment options?
Zoot is deployed in a private cloud environment, with data centres in Amsterdam and Frankfurt — keeping all processing and storage within the European Union. Zoot is ISO 27001 and SOC 2 certified, and the platform is built around GDPR compliance.
Can our team configure rules, policies, and workflows without IT?
Yes. Zoot is a low-code decisioning platform — not just a rules engine. Credit risk and product teams can visually build decision logic, orchestrate data and AI/ML models, design case-handling workflows, and construct application screens. All changes run through sandbox testing, versioning, and a full audit trail. IT owns the platform; your business owns the credit policy.
Which data sources and systems does the platform integrate with?
450+ integrations covering credit bureaus, open banking providers, KYC/AML and identity verification, and fraud detection services — across Europe and globally. We also connect to core banking systems, CRM platforms, and ERP systems, ensuring Zoot fits into the technology landscape you already run.
How do we handle exceptions and manual review cases?
Zoot includes a fully integrated case management and underwriting workbench. Referred and exception cases are automatically routed to the right underwriter based on your own policy rules — with intelligent queue management, multi-stage workflows, task and comment functionality, and complete visibility of every credit decision made. No separate system needed.
Ready to rethink risk?

Get in touch

Whether you're exploring solutions or have a specific challenge in mind — we're here to help. Book a 30-minute discovery call with a Zoot Solutions expert. We'll map your use case and plan how Zoot can help.

  • Tailored to your use case — not a canned demo
  • Led by a Zoot Solutions expert, not a sales rep
  • Clear view of fit, effort, and next steps

Book a Discovery Call

We'll reply within one working day.

By submitting this form you agree to our Privacy Policy. We'll never share your details with third parties.

ISO 27001 SOC 2 GDPR EU