DECISIONING & WORKFLOW AUTOMATION SOFTWARE
Speed. Precision. Agility
Zoot’s decision engine and automation platform helps you move faster, make smarter decisions, and adapt instantly. Seamless data integration, low-code tools, and end-to-end control mean you scale on your terms
Trusted by financial service providers of all sizes across Europe and beyond.
Speed to Decision
Make decisions in milliseconds, not minutes. Zoot executes complex logic instantly, supporting credit approvals, fraud checks, and customer actions in real time.
Agility by Design
React to change without code rewrites. Update policies, launch new products, and test strategies in a low-code environment designed for fast, flexible deployment.
Precision at Scale
Apply consistent rules across every decision. Whether you’re scoring risk, detecting anomalies, or triggering workflows, Zoot ensures accuracy across the board.
From Data to Decisions with Intelligent Decision Management
Zoot gives financial service providers the tools to reduce manual work, increase accuracy, and move at speed. With real-time automation and rule-driven decisioning, you simplify operations without losing control.
Accelerate Workflows Without the Overhead
Free your teams from repetitive tasks and manual bottlenecks. Automate routine processes and streamline decision flows to deliver faster, more consistent outcomes. Zoot’s platform integrates easily with your existing systems, enabling seamless collaboration between business and IT teams and boosting operational output.
API-based integration into existing or Zoot-built ecosystems
Real-time decisions delivered in under a second
User-friendly interfaces for faster task execution and reduced handoffs
Scalable automation that grows with your busines
Improve Accuracy, Eliminate Manual Review
Replace error-prone assessments with data-driven precision. Zoot’s advanced decision management tools eliminate reliance on spreadsheets and static rulesets. Execute logic based on internal and external data, test thoroughly, and ensure every decision is traceable, compliant, and aligned with your policies.
Full control over rules, workflows, and decision models
Integrated testing for validation by both Zoot and your internal teams
Automated workflows that reduce dependency on manual reviews
Documented decision trails to meet regulatory standards
Adapt Faster with Low-Code Agility
Respond to change in real time—without code rewrites or long lead times. Whether adjusting to regulatory updates, launching new products, or refining underwriting logic, Zoot enables business users to act quickly and confidently. With a low-code environment and composable architecture, updates happen on your terms—not IT’s backlog.
Low-code tools to build and test decisions in-house
Rapid deployment of new strategies, rules, and scorecards
Dynamic logic execution using real-time data from 90+ sources
Expert support to craft and scale your solution effectively
Clients
Digitising SME Lending at Speed
Shawbrook Bank, a UK-based specialist lender, partnered with Zoot to transform its digital SME lending. Manual decisioning processes and legacy platforms were slowing growth. With Zoot, Shawbrook automated its workflows, gained agility, and significantly accelerated product launches.
Shawbrook moved from a rigid, manual-heavy decisioning system to a flexible, automated platform.
Product updates no longer require supplier intervention, and internal teams now control change cycles.
£100M+
in Lending Enabled
3 hour
Decision time
24 hour
guaranteed turnaround
Rapid Onboarding
In just
2 days
Shawbrook’s broker portal allows 24/7 deal updates, freeing up internal teams to focus on complex cases and high-value tasks.
“The rollout of Zoot has been a significant step forward in our digital journey. Our lending process is now smooth and efficient.”
Stuart Doignie
Managing Director, Digital SME Lending
Shawbrook Bank
Zoot’s Technology | Webrules® |
A Powerful Business Rules Engine
Built on composable architecture, WebRules® provides the flexibility to independently develop rules, logic and workflows by pulling in components from a central location.
Low-Code Interface
Visual builders and pre-built components allow business users to create and modify web applications without deep technical knowledge.
Custom Rules & Workflows
Define complex business rules, decision trees, and automated workflows that respond to user inputs and external data in real-time.
Composable Architecture
Mix and match components to create custom applications that perfectly fit your business needs, with the flexibility to evolve over time.
Frequently asked questions
How does Zoot enable instant, accurate decisioning at scale?
Zoot’s decision engine executes complex business logic in milliseconds by combining real-time data integration with in-memory processing and event-driven orchestration. This allows institutions to automate high-volume decisions—such as credit approvals, fraud checks, and onboarding actions—without sacrificing precision. Custom rule sets, scorecards, and decision trees are fully configurable within a low-code environment, ensuring consistent application of policy across all workflows. The result is sub-second response times with traceable, policy-driven outcomes that scale across channels and products.
What makes Zoot’s workflow automation different from basic task automation tools?
Unlike basic automation tools that handle surface-level task routing, Zoot’s workflow automation is natively embedded into the decisioning engine—connecting data orchestration, logic execution, and process automation in one platform. Business users can design end-to-end workflows that integrate internal systems, external data sources, and dynamic rules. Each step is API-driven, traceable, and conditionally executed based on real-time decisions. This enables scalable automation of even the most complex lending or onboarding processes, while reducing manual handoffs and boosting operational throughput.
How do business teams update decision strategies without relying on IT?
Zoot provides a low-code, composable architecture that allows non-technical users to configure and deploy updates independently. Using visual tools and pre-built components, users can adjust rules, workflows, scoring models, and eligibility criteria—without writing code or waiting on development resources. Integrated testing and version control ensure updates are validated and compliant before go-live. This agility empowers business teams to quickly respond to regulatory shifts, market changes, or new product requirements, while IT retains oversight and governance.
How does Zoot ensure accuracy and compliance in every automated decision?
Every decision made within the Zoot platform is fully documented, tested, and aligned with regulatory requirements. Internal and external data is validated during ingestion, and business logic is executed within a governed, traceable environment. Testing frameworks—available to both Zoot and client teams—allow users to simulate real-world scenarios, identify anomalies, and fine-tune strategies before deployment. Automated audit trails capture every rule applied, input received, and outcome delivered, supporting end-to-end transparency and regulatory readiness.
Use Cases
Zoot supports fast-moving financial teams. See how leading financial service providers leverage Zoot’s platform to solve complex challenges and drive growth.
Consumer Lending
Mortgage Lending
Merchant Onboarding
Credit Card Origination
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Power Seamless Integration – From Data to Decision
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