Intro
  • robo underwriting
  • digital marketing
  • dynamic customer segmentation
  • customer lifecycle management
  • conversion optimization
  • fraud detection/prevention
  • retention management
  • risk adjusted pricing
  • churn prevention
  • collections optimization
  • marketing campaign optimization
  • cross-sell, up-sell
  • user identification
  • KYC
  • user digital fingerprinting
  • next-best-action
  • mass personalization
  • dynamic customer journey
  • affordability prediction
  • claims prediction
  • default prediction
  • lead evaluation
  • limits management

Software that adapts to customer behavior

Putting intelligence into digital products
Automating banking, finance and insurance

Better visibility, better decisions

The problem with selling financial products via the internet is that you can't see your customer... with Zoral, you can.

Zoral can collect over 15,000 data items for each client within the first 30 seconds of interaction, building a comprehensive client "picture" and significantly improving decision accuracy.

Better visibility, better decisions
which features are predictive

Zoral knows which features are predictive

There is much talk of "Big Data", but... which features should be captured? Which combinations are predictive? How/when can they be used?

  • Zoral knows
  • We are one of the largest Artificial Intelligence / Machine Learning labs in Europe
  • Over 300 man-years R&D in discovering the answers
  • Our knowledge is built into our software... Behavioral Data Warehouse, Decision Engine and Model Library
  • Your team can benefit from this immediately and save significant time and cost.

Zoral makes a big difference

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With Zoral intelligent automation you can scale your business, improve profitability and reduce costs

Software with built in Artificial Intelligence


Zoral Model Library
Zoral Model Library

Zoral Platform

Zoral is used for...

  • digital marketing
  • robo-underwriting
  • dynamic customer segmentation
  • customer lifecycle management
  • conversion optimization
  • fraud detection/prevention
  • retention management
  • risk adjusted pricing
  • churn prevention
  • collections optimization
  • marketing campaign optimization
  • cross-sell, up-sell
  • user identification
  • KYC
  • user digital fingerprinting
  • next-best-action
  • mass personalization
  • dynamic customer journey
  • affordability prediction
  • claims prediction
  • default prediction
  • lead evaluation
  • limits management
  • ...and many others

Our experience will give you faster, better results

Our systems are installed globally. We are one of the largest artificial intelligence / machine learning research labs in Europe. We built the world's first robo-underwriting systems for credit and insurance products.

Our systems are installed globally

Implemented rapidly and easily

Most finance organisations have complex systems. Changing can be costly, time consuming and disruptive.

Zoral products have been designed to work with your existing systems. They are easy to implement alongside with minimal intrusion. They can show improved results within weeks.

Implemented rapidly and easily