Powerful. Flexible. Fast.
Built to Accelerate Approvals & Reduce Risk
Helping financial service providers simplify onboarding and risk processes with secure, configurable solutions that deliver faster, more accurate, and compliant decisions.
Trusted by financial service providers of all sizes across Europe and beyond.
From Data to Decision® in Milliseconds
A unified decisioning platform for credit, fraud, and compliance —
built for speed, scale, and precision.
< 1s
Real-Time Decisions
Sub-second decisions even at peak volume.
> 99.99%
Platform Uptime
Redundant cloud infrastructure with 24/7 uptime.
35+
Years Proven
Trusted by financial leaders for over 3 decades.
350+
Data Integrations
Connect to credit, fraud, ID, or open banking sources.
Purpose-Built Lending Solutions
From consumer and credit card lending to auto finance and merchant onboarding, our solutions are built to make every decision faster and smarter.
Explore the solution that fits your business.
Instant Credit Card Approvals
Approve more applicants in less time with automated data acquisition that cuts fraud and manages credit risk.
Merchant Onboarding in Minutes
Speed up onboarding with built-in KYC/KYB, fraud, and credit checks, including regular review and case handling to keep things on track.
Auto Loan Decisioning
Streamline approvals for dealers, brokers, and customers with real-time underwriting, fraud checks, and automated contract generation that cut out delays.
Secure Asset Finance
Support growth in B2B asset financing with flexible application flows, risk policy control, and fast, auditable decisions that keep deals moving.
More Solutions, More Impact
Explore how financial service providers use our technology to launch new products, improve risk decisions, and speed up growth.
Faster Lending, Smarter Decisions
Make borrowing easy with smooth digital lending journeys powered by live data, automated risk checks, and instant approvals.
Unifying Design, Data and Decisions
Eliminate the divide between front-end design and back-end intelligence
Perform pre-screening and pre-qualification to assess eligibility and risk before the application begins. Use real-time data and tailored decision logic to filter out unqualified applicants.
- Real-time risk signals
- Instant eligibility checks
- Fraud & policy checks
- Affordability assessment
Bring all your data together without coding headaches. Connect instantly to 300+ data sources and orchestrate data flows in real time, all within a single process.
- Live orchestration
- Prebuilt connectors
- Internal and external data
- Works with APIs and batch uploads
Combine real-time data with your own policies, models, and regulatory rules to make instant or manual decisions and generate contracts.
- Real-time decisioning
- Underwriting workbench
- Offer & contract generation
- End-to-end audit trail
Combine the efficiency of automation with the insight of human review. Give underwriters clear visibility into every case, with secure tools that make managing reviews simple and reliable.
- Role-based access
- Custom review flows
- Secure document handling
- Audit-ready case logs
Real Impact. Measurable Results.
See how industry leaders transformed their lending, onboarding, and risk strategies with Zoot.
85%
Straight-Through Processing
80%
Faster Data Integration
28%
More Risk Flags
16x
Faster merchant onboarding
MINS
to onboarding merchant
Our Capabilities
At the core of every Zoot solution are the capabilities that enable flexibility, speed, and control. Explore the building blocks that power high-performance decisioning across the financial services ecosystem.
Digital Onboarding
Design intuitive application journeys that guide customers from start to finish with embedded rules, dynamic screens, and instant decisioning, without depending on dev teams.
Data Acquisition & Orchestration
Bring data together from over 350 data sources and orchestrate every flow in real time, with full control over format, priority, and timing.
Fraud Prevention & Detection
Detect first- and third-party fraud with live screening, adaptive rules, and seamless integration into onboarding and lending flows.
Risk Assessment & Management
Check creditworthiness and affordability in milliseconds. Update your policies instantly with full transparency and auditability.
Decisioning & Workflow Automation
Automate decisions and actions across the customer lifecycle. Launch and test logic in a low-code environment, and apply it seamlessly at full scale.
Case Management & Underwriting
Blend the best of automation and human expertise. Handle flagged cases with smart routing, collaborative screens, and end-to-end audit trails.
Our Capabilities
At the core of every Zoot solution are the capabilities that enable flexibility, speed, and control. Explore the building blocks that power high-performance decisioning across the financial services ecosystem.
Digital Onboarding
Design intuitive application journeys that guide customers from start to finish with embedded rules, dynamic screens, and instant decisioning, without depending on dev teams.
Data Acquisition & Orchestration
Bring data together from over 350 data sources and orchestrate every flow in real time, with full control over format, priority, and timing.
Fraud Prevention & Detection
Detect first- and third-party fraud with live screening, adaptive rules, and seamless integration into onboarding and lending flows.
Risk Assessment & Management
Check creditworthiness and affordability in milliseconds. Update your policies instantly with full transparency and auditability.
Decisioning & Workflow Automation
Automate decisions and actions across the customer lifecycle. Launch and test logic in a low-code environment, and apply it seamlessly at full scale.
Case Management & Underwriting
Blend the best of automation and human expertise. Handle flagged cases with smart routing, collaborative screens, and end-to-end audit trails.
Who We Power
From global banks to digital retailers, Zoot powers the decisioning behind the world’s most trusted financial service providers — enabling them to launch faster, decide smarter, and scale securely
Bank-Grade Security
We’ve been helping financial institutions optimise their decision process for three decades
ISO 27001
Industry-leading data protection
GDPR
European data handling
EU-Located
Amsterdam & Frankfurt
99.99%
Resilient, monitored infrastructure
SOC 2
Independently audited
Steven Schools
Zoot was the ideal partner to accompany Vanquis on its strategic large-scale plan, influencing the organisation’s approach to strategic partnerships ever since
Anth Mooney
Through our partnership with Zoot, Vida is aiming to become a market leader in tech-enabled decisioning and origination.
At Valitor we now have direct hands-on control over our boarding 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.
Why Zoot
We’ve been helping financial institutions optimise their decision process for three decades
35+ Years of Experience
Decades of experience in financial technology solutions
Rapid Implementation
Get up and running in weeks, with our proven implementation process
Enterprise-Graded Security
Bank level security with SOC 2 certification, ISO 2700 compliance
Industry Recognition
Award winning solutions recognized for innovation, reliability & satisfaction
1 Bn+ Transactions Annually
Trusted to deliver performance at scale across mission-critical processes.
Decisions in 180+ Countries
Reliable, compliant, and fast — trusted worldwide.
Get In Touch
Whether you’re exploring solutions or have a specific challenge in mind — we’re here to help. Reach out and we’ll get back to you shortly.
