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Line of Business (LOB) Solutions


Each line of business (LOB) has different requirements, specific decisioning approaches, specialized data sources, and varying workflows. Although many financial institutions (FIs) are seeking to overcome siloed systems—wisely—in order to enhance cross-sell capabilities and establish consistent credit risk policy, it would be a mistake to lose the strength and focus of each LOB.

Zoot understands and supports the needs of each LOB. Our solutions have been developed from our tools and services approach, which provides flexibility to exactly meet each LOB’s needs and also ensures that all of our solutions as well as your existing systems can talk to one another.

The goal of our software as a service (SaaS) design in a hosted environment is to provide highly configurable solutions to fit each client's decisioning and origination requirements while remaining cost effective and employing agile deployment. Our service-oriented architecture (SOA) is flexible because of a best-practices, pre-coded foundation with easily configurable layers that gives clients a proprietary solution with the benefits of economy of scale and experience.

Learn More:
White Paper, “Customer Intimacy: Connecting through Cross-Selling”
White Paper, “Giving Credit Where Credit Is Due: Serving the Underserved in the United States Through Insight into the European Credit Culture”
Case Study, "Wachovia's In-House Credit Card Operation Runs on Zoot"
Case Study, “First Interstate Bank Automates Credit Decisioning Process”