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Decision Intelligence Platform

The Decisioning Platform Built for Financial Services

Combine business rules, AI models, and real-time data in one low-code environment. Give your risk and operations teams the power to configure, test, and deploy decisioning logic — without raising an IT ticket.

  • Business rules, scorecards, and AI models in one unified platform
  • Low-code configuration for rules, workflows, AI agents and screens
  • 450+ data and system integrations, sub-second decision execution
  • 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
3.6x
Faster Decisions

More cases receive a credit decision within minutes

28%
Better Protection

More vulnerable customers accurately identified

No-code
Configuration

Build and change credit policy without engineering tickets

EU
Hosted & Compliant

ISO 27001, SOC 2, GDPR — data stays in Europe

How it works

Build it. Test it. Run it.

Zoot gives you two connected environments — one for designing and testing your decisioning logic, one for running everything live at scale.

Build

Configure decisioning logic, data, and screens — all in one low-code interface. No coding required, no waiting on development queues.

Build

Configure decisioning logic, data, and screens — all in one low-code interface. No coding required, no waiting on development queues.

  • Build and manage business rules, scorecards, and multi-attribute decision logic visually
  • Embed ML models and AI directly into rule flows using a drag-and-drop editor
  • Connect to 350+ data sources globally through one integration layer
  • Design application screens and workflows for any channel or product
  • Test, version, and validate every change in sandbox before it goes live

Run

Your logic executes instantly in Zoot's private cloud — processing decisions in real time, at any volume, with built-in failover and round-the-clock monitoring.

Run

Your logic executes instantly in Zoot's private cloud — processing decisions in real time, at any volume, with built-in failover and round-the-clock monitoring.

  • Sub-second decision execution across every channel, product, and customer journey
  • Auto-scaling infrastructure handles peak volumes without performance impact
  • Built-in failover and redundancy with 99.99%+ uptime guaranteed
  • EU private cloud with data centres in Amsterdam and Frankfurt
  • 24/7/365 service monitoring, alerting, and operations support

We now have direct hands-on control over our onboarding rules without the need for IT engagement, which makes us very agile. The process has less friction, is more scaleable and through improved data analytics business approval rates have been optimised without compromising on controls.

Chief Risk Officer at Valitor
Capabilities

Real-Time Decisioning Software for Financial Services

Zoot Solutions brings together the tools your risk, operations, and product teams need to build, test, and run decisioning logic — without stitching together separate systems.

platform-image

Automated Decision Execution

Execute complex decisioning logic in milliseconds — combining credit rules, fraud checks, scoring models, and affordability calculations in a single automated decision flow. Consistent, auditable, and scalable across every channel and product.

Decisioning & Embedded AI

Build and manage decision logic visually — from simple eligibility rules to complex multi-attribute rule sets. Embed ML models directly into your rule flows using a drag-and-drop editor. Import models built in Python and operationalise them instantly. No coding required.

Data Orchestration & Integration

Connect to 350+ data sources globally — credit bureaus, open banking, KYC/AML, fraud detection, and internal systems — through one integration layer. Cascading and fallback strategies ensure every decision runs on the most complete data available, in real time.

Low-Code Configuration & Testing

Update rules, scorecards, and workflows directly in the platform — without IT. Run sandbox testing, champion/challenger experiments, and regression checks before any change goes live. Full version control and audit trail built in.

Ready to see it on your use case?

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, certified 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

Can business users change decision logic without involving IT?
Yes — that's central to how the platform is designed. Risk and product teams can visually build and update rules, scorecards, workflows, and application screens directly in the platform. All changes go through sandbox testing, versioning, and a full audit trail before deployment. IT owns the platform infrastructure; your business owns the decisioning logic.
How does the AI and ML capability work?
Zoot lets you embed ML models directly into your business rule flows using a drag-and-drop editor — no coding required. You can import models built externally in Python and operationalise them instantly within your existing decision logic. AI doesn't sit alongside your rules — it becomes part of them. We also support AI agents for specific tasks such as document verification, fraud pattern detection, and underwriter recommendations in case management.
How do we test decision changes before they go live?
The platform includes a full testing framework — unit tests, integration tests, regression sets, and a dedicated load and performance environment that mirrors production. Business teams can build, manage, and run test cases without technical support. Champion/challenger testing lets you run parallel strategies and validate performance before committing to a full rollout.
Which data sources and systems does the platform integrate with?
450+ integrations covering European and UK credit bureaus, open banking providers, KYC/AML and identity verification, fraud networks, and internal data — plus core banking, loan origination, CRM (Salesforce, HubSpot, Dynamics), and ERP systems (SAP, Oracle).
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

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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