Brochures

zOptimize^SM mulitchannel cross-sell solution

Zoot’s zOptimize^SM multichannel cross-sell solution is a comprehensive solution enabling clients to grow accounts by leveraging more efficient and effective sales processes during every consumer interaction.
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zDecision^SM instant decisioning solution

Zoot’s zDecision^SM consumer-initiated decisioning solution is a robust platform to provide instant credit decisions with even the most complex business rules and decisioning criteria to meet unique business bjectives.
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zOriginate^SM loan origination solution

Zoot’s zOriginate^SM loan origination solution is a complete application that provides financial institutions effective and efficient ways to grow their lending portfolios.
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zAcquire^SM instant prescreen decisioning solution

Zoot’s zAcquire^SM instant prescreen decisioning solution is FCRA-compliant to allow financial institutions to qualify prospects in realtime, thereby increasing their propensity to accept the credit offer while lowering acquisition costs for the institution.
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zEnvision^SM credit risk lab

Zoot’s zEnvision^SM credit risk lab is a simulation solution that allows credit risk managers to experiment with new strategies in order to make better lending decisions by responding rapidly to changes in consumer behavior and legislation.
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zLink^SM data aggregation solution

Zoot’s zLink^SM data aggregation solution is an independent portal to a network of integration-ready data and service vendors for quick and secure incorporation into lending processes such as credit decisioning, loan origination, credit risk management, and fraud prevention.
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In Search of a Solution
When financial institutions (FIs) are looking for ways to upgrade or expand their credit decisioning or loan origination solutions, they have many different needs from increasing efficiencies to meeting compliance to generating revenue. Some FIs end up pulling pieces from many different vendors in order to meet each goal or building internally at great expense and risk. Either of these approaches can lead to more challenges with disparate systems that don’t talk to each other and require more work on the part of the institution to figure out how to apply each solution in a way to solve their problems. Through Zoot’s commitment to being a strategic partner with our clients, FIs get the tools and services they need along with the industry insight to maximize the return on their investment.

Zoot’s approach to software as a service (SaaS) offers clients the best of both worlds: flexibility and client-side control along with our infrastructure’s security, scalability, and redundancy.

Tell Me More
While the core of Zoot’s philosophy is a tools and services approach to solve problems and meet business objectives specific to each FI, we also have flexible solutions built from best practices of the tools and services we offer that readily meet the most common industry challenges.

For one top-ten FI with over a dozen separate loan origination systems, Zoot’s zOriginate^SM loan origination solution enabled consistent enterprise-level credit policy and increased volume 600 percent without additional staff.

Through Zoot’s zEnvision^SM credit risk lab, another top-ten FI saved hundreds of thousands of dollars that had been going to the bureaus to recode and test attributes and now has the option to deploy a new scorecard in weeks instead of months.

Still another top national FI was able to access all of the vendors they need through a single connection to Zoot’s zLink^SM data aggregation solution and reduce their data costs by 35 percent.

For a top-five FI focused on customer acquisition, Zoot’s zAquire^SM instant prescreen decisioning solution lifted their acceptance rates from less than 1 percent to 25-30 percent.

An innovative alternative lender saved $1.5 million in implementation costs and $250,000 in annual operating costs with Zoot’s zDecision^SM instant credit decisioning solution, while also meeting strict service-level and security requirements.

As financial institutions orient to the new economic landscape, Zoot's zOptimize^SM multichannel cross-sell solution enables clients to:
1.        Better understand consumer needs by leveraging predictive models and intelligent conversations;
2.        Coordinate marketing and selling efforts for consistent and effective communications with customers;
3.        Grow deposit and credit accounts through enterprise cross-sell;
4.        Enhance the customer experience to retain customers and increase wallet share; and
5.        Leverage flexible technology to integrate multiple channels and products.