Adaptive fOS Solutions

Credit Card Solution Accelerator

The Zoral fOS Credit Card Solution Accelerator provides an ultra-fast, highly configurable architecture to safely launch, scale, and manage virtual and physical card portfolios on a single Finance Operating System (fOS). Field-proven through massive enterprise implementations — including powering the automation, digital onboarding, and scale of leading digital lenders in the highly competitive UK market — it transforms customer data and real-time transaction signals into instant credit decisions, dynamic limit allocation, and structured cardholder servicing.

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Core Credit Card Capabilities

Natively integrated with the Zoral Decision Engine (ZDE) and the Core Workflow Engine (ZCO), issuers can deploy flexible card programs across co-branded partners, merchant channels, and retail networks while maintaining absolute compliance and ledger-level data isolation.

Omnichannel Card Onboarding & ZPS Integration

Capture and process card applications across mobile apps, web portals, and retail points of sale. Every interface is driven by code-free metadata via Zoral Portal Studio (ZPS), so teams design co-branded card journeys once and deploy them across web and mobile. Persisted state logic lets customers switch devices mid-application without data loss.

Omnichannel Card Onboarding & ZPS Integration

Capture and process card applications across mobile apps, web portals, and retail points of sale. Every interface is driven by code-free metadata via Zoral Portal Studio (ZPS), so teams design co-branded card journeys once and deploy them across web and mobile. Persisted state logic lets customers switch devices mid-application without data loss.

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