In today’s data-driven financial landscape, effective collaboration is more than a competitive advantage; it’s a necessity. Zoot’s long-standing partnership with Innovis exemplifies how two committed organizations can come together to solve some of the industry’s most pressing challenges.
A Partnership Built on Purpose
Zoot partners with data leaders like Innovis to deliver better outcomes through flexibility, integration ease, and orchestration power. At the core of this relationship is a shared commitment to fighting fraud, improving customer experiences, and enabling financial institutions to move faster with greater confidence.
Zoot’s dedication to partnering with industry-leading providers like Innovis reflects our focus on equipping clients with flexible, future-ready solutions that reduce risk and drive results.
“Innovis shares our commitment to helping FIs stay one step ahead. Together, we make fraud prevention more strategic, scalable, and client-focused.”
Casey Ferguson
Director of Marketing, Zoot
Who is Innovis?
Innovis is a provider of identity verification and fraud prevention solutions, trusted by some of the largest financial institutions in the United States, including banks, credit unions, fintechs, and retail lenders.
As a consumer reporting agency, Innovis receives credit and identity data from financial institutions across the U.S., enabling it to provide digital identity verification and fraud prevention solutions that make an impact for its customers.
Innovis’ flagship offering, FailSafe®, is designed to detect abnormal patterns of behavior and delivers multi-layered protection by evaluating identity, velocity, and device characteristics during an interaction. From consumer and phone verification to anti-hijacking detection (e.g., SIM swap and porting), FailSafe helps institutions identify abnormal patterns and respond swiftly.
Protected Prefill is another standout offering, working as a component of FailSafe to help boost pull-through rates while effectively identifying fraud risk. Requiring only limited input from the consumer, organizations can offer simple, low-friction experiences at onboarding while effectively mitigating risk.
Zoot values Innovis for its advanced identity and fraud tools and its ability to deliver rich, actionable data in real time.
“Their multi-layered fraud signals complement the flexibility we provide – giving our clients more control, faster outcomes, and better protection.”
Casey Ferguson
Director of Marketing, Zoot
Driving Better Outcomes Through Data
Innovis solutions can be utilized throughout the account lifecycle, from digital onboarding to account servicing, with a focus on supporting financial institutions to drive efficiency and minimize risk.
Where Frictionless Meets Fraud-Resistant
Financial institutions are constantly navigating a delicate balancing act: meeting rising consumer expectations for fast, seamless onboarding while maintaining rigorous defenses against fraud. Today’s applicants expect minimal friction – quick approvals, fewer steps, and a mobile-first experience. Yet at the same time, fraud threats are more sophisticated and frequent than ever. This creates a fundamental tension between ease and security. Institutions must deliver both, without compromise.
Through digital onboarding solutions like Protected Prefill, Innovis helps streamline the application process while embedding advanced identity verification and fraud prevention measures. The result is a faster, more intuitive experience for legitimate applicants, paired with powerful protection that helps keep bad actors out.
Orchestrated Defense Against Evolving Fraud
Fraud threats aren’t just growing – they’re evolving in real time. Fraudsters constantly adapt their tactics, forcing financial institutions to respond faster and smarter than ever before. Static tools and rigid systems simply can’t keep up. Where flexibility and customization were previously luxuries, they are now requirements.
By embedding solutions like FailSafe within Zoot’s powerful orchestration layer, financial institutions gain the agility required to stay ahead of emerging threats. Zoot’s platform enables clients to easily configure workflows that blend Innovis’ identity and fraud signals with other data sources, customized criteria, and institution-specific policies.
This level of real-time adaptability means clients can deploy multi-layered fraud strategies quickly and adjust them as threats shift, all while maintaining a seamless experience for legitimate applicants.
“Customizable, flexible fraud solutions are the answer – especially when you can deploy flexible solutions in an orchestration later, and fight fraud in an agile and responsive way.”
Gabrielle Halle
VP of Strategic Initiatives, Innovis
How Innovis Works with Zoot
Zoot makes it easy for financial institutions to access and activate Innovis data and products through a seamless, flexible integration model. This means faster go-to-market timelines, a reduction in IT lift, and more adaptable workflows tailored to each institution’s fraud and identity verification strategy.
“Together, we enable centralized orchestration, real-time updates, easier policy tuning, and reduced burden on internal teams.”
Gabrielle Halle
VP of Strategic Initiatives, Innovis
Zoot’s orchestration capabilities allow institutions to deploy tools like FailSafe and Protected Prefill as part of a broader prevention strategy, adapting to threats in real time.
At Zoot, we unify data from diverse sources – internal systems, third-party providers, and proprietary tools – into a single, orchestrated environment. Our streamlined API framework makes it easy to integrate and activate the data that matters most, without adding complexity for internal teams. Every solution is tailored to meet our clients’ specific needs, enabling smarter, faster evaluations across the customer lifecycle – from onboarding and fraud prevention to servicing and portfolio management.
“Whether a client wants to run Innovis side-by-side with other vendors or embed their data deep into a risk management strategy, our platform makes it possible in real time.” – Casey Ferguson, Director of Marketing, Zoot
Real Results: Enabling Better Assessments, Together
When Zoot and Innovis come together, clients have seen measurable improvements across key performance areas:
- Faster onboarding through pre-filled forms and low-friction verification
- Reduced fraud losses thanks to robust identity checks and multi-layered risk scoring
- Higher approval rates for the right customers, driven by higher identity confidence
- Lower operational burden through advanced automation and data orchestration
By combining Zoot’s powerful infrastructure with Innovis’ data, financial institutions can assess fraud risk in a smarter, faster, and more profitable way to power long-term growth.
Looking to the Future
The partnership between Zoot and Innovis continues to deepen to meet the challenges of the day. Looking ahead, Innovis plans to continue to expand the signals included in FailSafe and bring Protected Prefill to more institutions via the Zoot platform. The first joint deployments are already in motion.
“Our joint clients expect our solutions to stay current with market challenges…and our collaboration will help to shorten the implementation window.”
Gabrielle Halle
VP of Strategic Initiatives, Innovis
By combining high-quality identity and fraud data with Zoot’s flexible platform, we’re helping financial institutions tackle complex challenges with greater agility and confidence. As the industry continues to evolve, we’re excited to grow this partnership and deliver even more value to the clients we serve.
“At Zoot we believe that great solutions are powered by great data, and Innovis brings some of the best in the business. Together, we’re helping financial institutions make faster, smarter, and safer identity assessments.”
Bob Lonergan
Director of Partnerships, Zoot
Ready to Get Started?
To learn more about integrating FailSafe or other Innovis products with a Zoot solution to strengthen your fraud defenses and streamline onboarding, get in touch with a member of the team.
