Zoral Decision Engine (ZDE)
Wrap Zoral Decision Engine Around Your Existing Banking Core
Eliminate the cost, risk, and multi-year pain of a legacy core migration.
Legacy banking cores, isolated rule engines, and fragmented third-party utilities slow down your business. They force your institution into high-risk, expensive core replacements just to stay competitive.
The Zoral Decision Engine (ZDE) unifies your entire Retail, SME, and Corporate Portfolio into a single enterprise decisioning platform. It wraps directly around your legacy core to modernize your business logic without disruption.
ZDE seamlessly combines a native enterprise Integration Layer (ZIL) built to process hundreds of heterogeneous data streams. It features real-time predictive behavioral data capture, integrated document data extraction, and AI/ML analysis — delivering ultra-fast, sub-50ms automated decisions under absolute human-in-the-loop control.
The platform powers AI-enabled omnichannel targeted marketing strategies, optimal underwriting, risk-adjusted pricing, customer cross-sell, and collections strategies.
Schedule a technical discovery call with our solutions engineering team.
Request an Architecture Review & Sandbox DemoFrom acquisition and onboarding to underwriting, fraud, retention and collections — rules, AI/ML models, configurable connectors, data fabric and portals run natively on fOS, above the legacy core.
Decision layer
Platform layers
Generates cryptographically secured audit trails alongside instant plain-English logic explainers.
98%Faster ApprovalsEliminate operational processing bottlenecks via sub-50ms credit decision runtimes.
60%Higher ConversionMaximize origination volumes at lower risk using streaming predictive behavior data.
30%Lower Portfolio LossProtect underwriting quality through real-time risk recalibration and automated exception routing.
65%Lower Launch CostsDeploy complex decision logic rapidly via visual configuration matrices, low-code/no-code flexibility, and an audited agentic framework.
Results vary by product, geography, data quality, and implementation scope.
Stop managing fragmented rules engines or multiple disconnected point decisioning solutions for different lines of business. ZDE provides single-instance computational elasticity across all BFSI products, wrapping seamlessly around your legacy core without requiring a risky and expensive rip-and-replace.
Zoral Finance OS – Decision Engine
Retail /
Personal Loans
SME
Lending
Corporate
Credit
Existing Bank BFSI Legacy Core
Processes massive, concurrent decisions instantly using lightweight compiled script paths to optimize omnichannel CAC, default, fraud, conversion, risk adjusted pricing, cross-sell, customer retention and LTV.
Built to process 4,000 to 5,000 high-volume BNPL decisions per second, 24/7/365, for one of the world’s largest online retailers.
Executes sub-second multi-source calculations for borrower income, active assets, liabilities, and multi-bureau affordability metrics to act as inputs to your scalable robo underwriter.
Connects your predictive streaming behavioral data to the ZDE to serve dynamic Next Best Actions, tailored product features, and optimal pricing live during active customer sessions.
Advanced decisioning mechanics engineered for high-performance BFSI infrastructure.
Construct complex scoring matrices, credit scorecards, and multi-tier verification pipelines using plain-language conversational prompts.
Compile logic directly into production-grade JavaScript or Python to accelerate development cycles.
Construct complex scoring matrices, credit scorecards, and multi-tier verification pipelines using plain-language conversational prompts.
Compile logic directly into production-grade JavaScript or Python to accelerate development cycles.
Zoral treats enterprise risk management and regulatory auditability as foundational system features. It integrates configurable safety protocols directly into your automated credit runtimes without altering or interrupting your backend legacy core.
Empower risk managers and compliance auditors to query ZDE to explain active credit decision logic in plain English at any given time.
Generate permanent, secured transaction records of every parameter table edit, rule change, interest rate alteration, or policy shift.
Protect sensitive fields via highly configurable data isolation layers that handle personal data encryption, PII scrubbing, user record anonymization, and field-level metadata mapping natively within the flow.
Tailor modeling rules to prevent demographic variables or implicit statistical biases from entering automated scorecards, backed by continuous model drift tracking.
Configure new product policies to run in production via pure “Shadow Run” isolation modes — observing real-world balance sheet outcomes on production volumes without altering live consumer approvals.
Execute safe, large-scale batch simulations on historical synthetic data sets prior to full live deployment.
Modern financial institutions rarely start with a blank screen. We specialize in wrapping Zoral around your active infrastructure to build transition pathways out of legacy operational bottlenecks.
Select your current structural bottleneck
Your institution operates in a territory facing localized infrastructure deprecation or sunsetting software support from a legacy vendor.
Our solutions engineering team maps a clear transition path to replace legacy modules with adaptive decision engine and data fabrics, preventing operational gaps.
On our first call, we listen to your explicit use case and pain points. From there, our risk management team will build a tailored operational roadmap to migrate your fragmented decisioning logic to a unified and optimized decisioning platform and improve your business KPIs. Alternatively, we can plan a custom proof-of-concept (POC) demo inside an isolated sandbox environment using your historical synthetic data.
Request an Architecture Review & Sandbox DemoEquip your team with the technical frameworks and operational compliance strategies required to scale modern credit infrastructure.
A commercial review analyzing how financial institutions can safely strip away integration debt and accelerate time-to-market margins by isolating decision logic from legacy cores.
An engineering guide exploring real-time schema validation, data fabric connectivity, and transaction state synchronization under compliance protocols.
A risk compliance guide outlining multi-party approval loops, audit trail formatting, and model validation methods to assist with global regulatory fair-lending reviews.
Zoral Decision Engine (ZDE) gives financial institutions the speed, automated intelligence, and enterprise-grade governance to replace architectural complexity with unified portfolio performance optimization — improving business outcomes with every decision.
London
Miami
Colombo
We are on Socials
Institutional Policy Safeguard: The automated financial processing, model deployment, document analysis frameworks, and operational strategies outlined on this website serve as reference product profiles and functional capability descriptions only. Institutional implementations are highly configurable and must undergo localized user-acceptance testing (UAT), security auditing, and standalone compliance sign-offs tailored to specific regional legal requirements prior to live ecosystem deployment.
+44 20 3963 2002