Increase Profitability

LEVERAGE EMERGING TECHNOLOGY FOR SUSTAINABLE GROWTH

Zoot sees data differently – not just for what it is, but what it can help your financial institution achieve. With access to more complete and complex data, you can make informed decisions – more quickly, more efficiently, yet cost-effectively. Zoot‘s software technology delivers the rich blend of data, analytics, decisions and execution necessary to increase profitability and grow customer lifetime value.

Redefine your financial future.

Our technology is designed for every stage of the customer lifecycle and drives sound financial decisions. Using Zoot’s enabling technology, your employees gain on-demand access to the information and capabilities they need to increase wallet share and grow the business. Zoot’s technology provides just the right value-added business capabilities required to help increase profitability with maximum success.

ORIGINATION

Streamline your loan origination process and offer paperless lending anytime and anywhere with Zoot’s origination solution. Our comprehensive all-in-one solution helps financial institutions achieve excellence in multichannel loan distribution. Zoot’s loan origination solution enables rapid and effective loan origination across multiple markets, segments and channels, with high-quality customer experience and optimized collaboration between borrowers, partners and lenders.

With a complete automation process, considerably fewer resources are necessary to move loan applications through the system – freeing up your staff to concentrate on higher value-adding tasks. And with the auto-decisioning strength of our solution, your team will only touch applications that fall out of workflow, improving efficiencies and delivering exceptional customer experiences.

DATA ACQUISITION

The dynamic financial services environment demands that your business make intelligent decisions to maintain its competitive advantage. With the tremendous volume of data available, it is critical to cut through the noise to find and utilize the most valuable data to your meet your specific business needs.

Zoot’s data acquisition solution allows you to choose from a vast ocean of data and service providers, giving you the power to identify the best strategy for growth – based on data, not guesswork.

INSTANT DECISIONING

Using real-time data, Zoot’s instant decisioning solution allows you to immediately gain an accurate picture of the financial health of your customers and calculate how much credit to extend. Offer credit to your customers under your own brand with a convenient, streamlined user experience. A robust, flexible set of decisioning capabilities and data assets can help deliver more relevant offers and improve responses across multiple channels. Through our simple, online application, you can confidently approve customers in under a second while enhancing the customer experience. With Zoot’s instant decisioning solution you will quickly discover insights, make optimal decisions and execute innovative customer strategies.

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PRESCREEN-OF-ONE

Recognizing the need for a new approach to prescreen-of-one, Zoot pioneered the concept of instant prescreen. With access to more data than any other solution provider, Zoot’s prescreen-of-one helps you acquire new customers and improve existing customer relationships. Prescreen-of-one is a quick and easy cross-selling tool that helps increase your new account acquisitions by making instant, preapproved credit offers to qualified customers or prospects at multiple points of contact, including online and mobile channels. Prescreen-of-one is a non-consumer-initiated transaction that works in the background during other financial transactions.

Delivering Better Experiences with Artificial Intelligence

How the financial industry can exceed customer expectations and improve efficiency with AI and machine learning.

PREQUALIFICATION

Streamline your qualification activities to effectively manage risk and grow your customer base with Zoot’s prequalification – a robust screening tool that prequalifies consumers for credit in real-time across multiple channels. Our consumer-initiated prequalification process provides your customers with a variety of credit options at multiple touch points – online, during inbound or outbound calls, face-to-face or in a booth or kiosk setting. Give your customers options without impacting their credit scores, and never say no.

ENTERPRISE CROSS-SELL

Increase wallet share and profitability of your existing customers with Zoot’s enterprise cross-sell – a sophisticated technology solution that uses detailed segmentation techniques to gain a better understanding of customer behavior. Connect offers to the right customer segments with automated campaign planning that lets you pull more relevant, intelligent, predictive lists. Pair that information with knowledge of the right opportunities and it’s a win-win situation – your customers are satisfied and you receive a quick, sustainable return on your marketing investments.

MERCHANT ACQUISITION & MONITORING

Manage your merchant relationships and mitigate risks with Zoot’s merchant acquisition and monitoring. Our solution also allows sub-second decisioning and a fully automated underwriting process – providing acquirers an efficient and seamless on-boarding experience for all merchants – large and small.

Zoot also understands your challenge to identify the likelihood of risks, and mitigate losses while increasing portfolio volume. Our solution makes it easy to achieve a thorough understanding of the full spectrum of risks such as fraud, non-compliance issues, attrition and bankruptcy, as well as detect and track suspicious transactions. By being prepared for risk with an advanced system, acquirers can more confidently and ambitiously sign-up new merchants as the economy grows. On the other hand, even if economic conditions take a down-turn, acquirers will be in a stronger position to reduce losses from risk presented by current merchant accounts.

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FRAUD

Today’s banking customers have high expectations for their relationship with their financial service providers. Consumers expect a personal, yet convenient relationship with their banks, and the ability to interact with advisors through the same channels they use to stay connected with friends and family. This multichannel interaction presents a challenge for banks – to rapidly detect and prevent complex fraud schemes to minimize losses, maximize customer trust and reduce reputational risk. With Zoot’s fraud solution, financial institutions can deploy a variety of fraud detection scenarios extending across channels, lines of business and customer lifecycle stages – ensuring constant customer protection.

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