Instant Credit Decisioning

Making quick, consistent, reliable credit decisions is critical for institutions’ success in today’s market. Unfortunately, there are many challenges in doing so. Slow legacy systems, grueling manual processes, and inflexibility to market changes are a few of the barriers.

Zoot’s innovative instant credit decisioning solution addresses all of these concerns. Our complete and robust decisioning solution enables institutions to deliver consistent realtime decisions for any credit product line of business as well as to incorporate cross-selling into the business processes. The realtime hosted environment provides complete decisions in just seconds, integrating with existing systems to create a seamless origination process. We strategically automate all processes to use manual steps only when necessary or required by regulation. This helps reduce costs and improve the customer experience.

To provide the level of control necessary for competitive advantage in today’s market, Zoot has developed a rules management graphical user interface for business users. This allows our clients to easily configure decisioning logic, business processes, and data attributes to adapt rules quickly as the market changes. For further responsiveness to market changes, Zoot’s instant rules interface gives realtime access to key factors in your decisioning criteria and allows changes to be made right when they are needed.

Our solution’s results are proven: Zoot’s instant credit decisioning solution allowed one credit card issuer to double application volume without adding new staff. Strategic automation allowed them to reduce manual steps and improve the efficiency of their team. Their ability to provide rapid, consistent decisions created new customer experience opportunities and improved overall customer satisfaction. With Zoot, quick, consistent, reliable credit decisions are possible—and painless.

Contact Zoot at (406) 556-7555 or fill out our information request form today!