Zoot White Papers, Industry Insight Briefs, and Case Studies

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White Papers

Good Origination Solutions Can Be Better: The Hierarchy of LOS
Not all loan origination solutions are created equal. As companies move up the hierarchy of LOS they can gain functionality enhancements that can help them to increase their profitability and efficiency. Furthermore, financial institutions wanting to enhance their current systems can benefit from a prioritized approach to new technology implementation.
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A Strategic Approach to Increased Account Opening

Account openingAs lenders orient to the new economic climate, they are searching for ways 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.
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How to Choose the Right Credit Decisioning or Loan Origination Vendor
How to choose a VendorIf 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.
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Giving Credit Where Credit is Due: Serving the Underserved in the United States Through Insight into the European Credit Culture
Best of Both Worlds of SaaS and In-house Banking SoftwareThe 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.
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SaaS or In-house: How to Get the Best of Both Worlds

Best of Both Worlds of SaaS and In-house Banking SoftwareBy 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.
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Adapting To Change: A Need For Speed
earthThe 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

Red Flag Opportunities
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.
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Customer Intimacy: Connecting through Cross-Selling

SilosThis white paper discusses how to deepen relationships with existing customers and acquire new ones through completely integrated automation, which enables you to put the right product into the hands of the right customer at the right time.
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Growth in a Saturated Market: The Evolution of Prescreen
The Evolution of PrescreenThis 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.
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Operational Excellence: The Prescreen Revolution

The Prescreen RevolutionThis 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.
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Industry Insight Briefs

Know Thy Customer: A Marketing Imperative
Know Thy CustomerAs financial institutions (FIs) adapt to the new constraints and continued unemployment, the number one concern now is revenue generation. This can be achieved through an offers repository, which is a database that can store offers for later analysis or general maintenance of historical transactions.
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The Current State of Ability to Pay Compliance

This is the second in a series of industry insight briefs and explores the different approaches FIs are taking to meet the proposed "Ability to Pay" requirements of Regulation Z.
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Proposed Ability to Pay Regulations: Impact on Credit Card Prescreen
Ability to PayChanges to Regulation Z will create challenges for financial institutions, but don't necessarily mean a halt to business as usual. This industry insights brief describes the current status of the proposed regulations and the resources Zoot offers to ensure your platforms remain compliant and profitable.
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The Three Shades of Compliance: Black, White and Gray
The answer to successful compliance rests with everyone, not select individuals and not just those on the front line serving business and consumer clients. Every employee has the opportunity to prevent a compliance breach. Therefore, compliance must be everyone's job.

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An Integrated Approach to Account Origination
Account OriginationThe most pressing business concern for financial institutions is how to increase revenues through account origination to sustain business through the economic recovery and beyond.
Learn about three capabilities and best practices to successfully enable your strategy.
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Are Your Businesses Processes Available When the Customer Is? Redundancy and Resiliency Matter

Redundancy and Resiliency MatterAt a time when every new account opening is critical, network failures are unacceptable. Learn more about how to ensure your institution's business continuity, reputation, and strategy are protected.
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Developing Risk Policy in a Dynamic Market

Developing Risk Policy in a Dynamic MarketCredit risk executives are faced with the difficult task of delivering the most accurate, predictive scorecards to the marketplace quickly and efficiently. Learn more about how you can remove the barriers of cost and time to respond more quickly and accurately to changing consumer behavior and the market 
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Case Studies

Credit Risk Lab Case Study
Leading financial institution decreases time to deploy new attributes by months and anticipates savings of $2 million within one year of deploying Zoot’s Credit Risk Lab Solution
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First Interstate Bank Case Study
Bank grows their card product from $200,000 net income in 2001 to $2,000,000 net income in 2007 with Zoot’s permissible purpose and prescreen solutions. 
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Wachovia's In-House Credit Card Operation Runs on Zoot
Bank recognizes over two billion in balances in less than two years with new card platform.
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