Innovation

Zoot represents innovation in the financial services industry. As a testament to our focus on innovation, Bank Technology News named us the “#1 Tech Company to Watch” in August 2007.

Our clients continually tell us they chose Zoot services and solutions because they were unable to find another company that could provide an end-to-end industry solution to truly fit their unique needs. We are a trusted and proven partner that helps our clients stay competitive in an ever-changing market.

Nearly 20% of our workforce actively pursues new ways to solve client problems by improving our solutions and creating new ones. Our dedicated Software Services Group, led by the Vice President of Product Development (also known as the “Chief Idea Guy”), cultivates a creative and critical-thinking environment of innovation and thinking outside the box.

Our Firsts
We have dramatically changed the credit decisioning and loan origination industry over the past 17 years and will continue to do so in the future. Some of our firsts include:

	1990	PC-based credit retrieval.
	1991	First instant loan by phone.
	1992	First instant auto approval on credit cards.
	1994	First automated instant prescreen-of-one.
	1996	First online realtime home equity line of credit decision in the U.S.
	1999	First client graphical user interface (GUI) rules manager release.
	2000	First deployment of enterprise decisioning framework.
	2002	First client graphical user interface (GUI) rules manager release.
	2003	First automated credit test file modification tool.
	2005	First comprehensive attribute creation & editing GUI.
	2006	First successful enterprise cross-sell framework.
	2007	Two patents pending.

Our clients have continually reaped success with our solutions. Our relationships with financial institutions have always been driven by their need for comprehensive and unique solutions. With our current solution suite, we incorporate the best practices of the industry, while enabling new clients to combine their specific business approach with our innovative solutions. The result—our clients implement effective solutions that keep them at the forefront of the industry.