Shaping the Future of Financial Decisioning
We help financial service providers across Europe transform how they decide – with real-time data, automation, and technology built for complexity.
Driving Financial Innovation Across Europe
At Zoot Europe, we equip banks, fintechs, and payment providers with the technology to turn real-time data into instant, compliant decisions—from onboarding to credit evaluation, fraud prevention, and beyond.
Trusted by the Best
We work with some of Europe’s most respected financial service providers to deliver smarter, faster, and more transparent decisioning for:
Banks
Fintechs
Payments
Retail & E-Commerce
Leasing & Asset Finance
Whether you’re a traditional bank, a fast-scaling fintech, or a global payments provider, we help you build the right solution – and make it live faster.
Powering Smarter Decisions
Step into the future of digital decisioning — fast, secure, and built for growth
Built for Europe. Connected to the World.
With more than 300 live data connections, Zoot Europe makes it easy to plug into the providers you need. We integrate everything from identity verification and affordability checks to credit bureaus and open banking APIs — all through a single gateway
Plus, our flexible architecture adapts to your IT landscape.
Connect your systems
Launch faster
Scale with confidence
Recognised for Excellence
Our commitment to innovation, reliability, and partnership has earned recognition from leading industry bodies — across credit risk, decisioning, analytics, and compliance.
Best Technology Partnership (Lending & Credit)
2025 Credit & Collections Technology Awards by Credit Connect UK
Partnership 100 Club Member
Credit Strategy
Winner: Finance Lending Solution
2024 Credit & Collections Technology Awards by Credit Connect UK
Winner: Data and Analytics Solution
2023 Credit & Collections Technology Awards by Credit Connect UK
Best Technology Partner – Risk, Regulation and Compliance
2019 Lending Awards
Best Technology Provider for Credit Risk and Fraud Prevention
Collections & Customer Services Awards 2018 (CCS)
Why Zoot
We’ve been helping financial institutions optimise their decision process for three decades
35+ Years of Experience
Decades of experience in financial technology solutions
Rapid Implementation
Get up and running in weeks, with our proven implementation process
Enterprise-Graded Security
Bank level security with SOC 2 certification, ISO 2700 compliance
Industry Recognition
Award winning solutions recognized for innovation, reliability & satisfaction
1 Bn+ Transactions Annually
Trusted to deliver performance at scale across mission-critical processes.
Decisions in 180+ Countries
Reliable, compliant, and fast — trusted worldwide.
Let’s Build Smarter, Faster, Together
Speak with our European team to see how Zoot can support your lending, onboarding, or decisioning transformation.