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Zoot is a global provider of advanced loan origination, account acquisition, and credit risk management solutions. Our focus on clients’ needs has led to long-term relationships with influential financial institutions worldwide, including leading banks, automobile manufacturers, retailers, and payment providers. Zoot’s multinational processing environment has the capacity to deliver billions of realtime decisions annually. Let us show you why top financial institutions worldwide trust Zoot to deliver.

Account Opening Solution

Zoot’s zInitiate®account opening software solution enables financial institutions (FIs) to make optimized product offers (deposit and credit) to increase retention and grow accounts—bringing profitability back to demand deposit accounts. Learn More


Zoot and Earnix Partner to Drive Profitable Customer Relationships for Banks

This perspective piece in The Financial Brand addresses the increased competition from challenger brands and offers suggestions, "It’s Simple: Banks Need to Build Better Apps…Or Buy Them"

Managing credit risk has become a data-driven business with promising results.
Zoot’s Eric Lindeen discusses incorporating alternative data into scoring models to drive
banks’ profitability in this Collections & Credit Risk article, "Using Data Decisions to Drive Credit Risk"Subscription required to view this article.

Zoot's Marketing Director, Eric Lindeen, talks about The Coming Revolution in Credit Risk in this PaymentsJournal article.

Zoot's Chris Nelson, CEO and Founder, discusses the opportunity for innovations to break into the mainstream in this ABA Banking Journal article, "Perfect storm for payments innovators?"

Some of the nation’s leading credit experts, including Zoot Enterprises, share the 12 credit card predictions for 2014 in this CreditCards.com article.



Earnix integrated customer and Pricing analytics solutions help financial services companies increase profits, sustain growth, and secure customer loyalty by changing the way they acquire, retain, and deliver value to their customers. Learn more.

Zoot Enterprises