Zoot White Papers
Zoot researches the financial industry and anticipates trends in order to better assist our clients with their current issues while preparing them for future triumphs. A variety of strategic topics are explored in our white papers, industry insight briefs, and case studies. For further research, see our webinars and newsletter. We also have more specific information available about our solutions, tools, and services.
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TowerGroup Report Featuring Zoot
Technology Solutions to Manage Instant Credit Card Decisions and Improve Customer Acquisition & Retention |
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The Way Forward: Making Checking Account Origination Profitable Again This white paper by Nicole Sturgill, Research Director at TowerGroup, a Corporate Executive Board company suggests FSIs must look beyond the development of a new or changed product set and instead consider a new way of conducting business in retail banking. Many financial services institutions have come to the unsettling realization that the checking account in its current form is not profitable. While banks can generate revenue through products, services, and fees outside of retail banking, it is not a practical long-term business strategy to position the demand deposit account (DDA) as a loss leader. Abstract Register to Download |
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A Strategic Approach to Increased Account Opening As lenders orient to the new economic climate, they are searching for wa-ys to rebuild capital and regain consumer trust. This white paper analyzes steps FIs can take to fully utilize flexible technology and gain lasting consumer relationships. Abstract Register to Download |
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Good Origination Solutions Can Be Better: The Hierarchy of LOS Loan origination technology varies widely across the industry, with some financial institutions still burdened by manual review while others have automated aspects of application processing. However, even those FIs with good origination solutions can benefit from moving to best-in-class origination solutions. Abstract Register to Download |
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How to Choose the Right Credit Decisioning or Loan Origination Vendor If you find a vendor more interested in your success than their product, then you are on the right track. To find the right vendor, an FI must first prepare a foundation to make a good decision. Usually, choosing what to replace is not a black and white decision. Abstract Register to Download |
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Giving Credit Where Credit Is Due: Serving the Underserved in the United States Through Insight into the European Credit Culture The underserved population is estimated to be about 70 million U.S. individuals with a profitability in the billions, but this market remains out of reach unless FIs develop a better understanding of this population and alternative products to meet the needs of these nontraditional customers. Abstract Register to Download |
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SaaS or In-house: How to Get the Best of Both Worlds By combining a reliable, scalable, and redundant SaaS hosted environment with a set of development tools for maintaining business user control, Zoot enables its clients to rewrite the rules of the game and experience the best of both worlds. Abstract Register to Download |
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Adapting To Change: A Need For Speed The subprime fallout, like the S&L and the Long-Term Capital Bank Management Fund crises before it, has thrown the market into a financial ice age, threatening extinction for institutions that are unable to adapt. This white paper discusses how realtime tools can be used to increase the speed of your response, speed of implementation, and speed of delivery. |
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Three Overlooked Opportunities of Red Flag Legislation Properly implemented, a Red Flag solution can stabilize assets via reduced fraud losses, protect the bottom line by paring expenses, and increase profitability by maintaining revenue streams. Abstract Register to Download |
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Customer Intimacy: Connecting through Cross-Selling New expectations for access to services are colliding with new regulations for managing fraud. In this environment, tools are not enough. Strategy is not enough. Multichannel integration is needed across IT and business—all lines of business. Abstract Register to Download |
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Growth in a Saturated Market: The Evolution of Prescreen This white paper examines the advantages of instant prescreen for banks seeking to differentiate themselves from their competition, embrace a more intelligent prescreen process, and grow in a saturated market. Abstract Register to Download |
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Operational Excellence: The Prescreen Revolution This white paper discusses the costs and inefficiencies of traditional customer acquisition strategies like direct mail prescreen in today’s financial services industry and introduces the benefits of a new, more operationally efficient solution, instant prescreen. Abstract Register to Download |
