Zoot’s Credit Card Origination Platform

Launch Faster with Prebuilt Credit Card Workflows and Risk Controls

Out-of-the-box onboarding flows, credit strategies, and pre-integrated data sources for rapid card origination.

Automated Eligibility Assessment

Built-in scoring, policy rules, and offer strategies automatically assess applicants and assign the right product, credit limit, and pricing.

Configurable Workflows

Easily manage eligibility rules, scoring, and workflows with intuitive admin tools

Multi-Channel Origination

Originate cards across digital, in-branch, and partner channels. The platform handles multiple brands, card types, and customer profiles from a single, unified interface.

Ready-to-Deploy Credit Card Origination

Designed for banks, fintechs, and card issuers, our platform helps you digitise credit  card onboarding with prebuilt customer journeys, automated credit checks, and workflow controls. Everything is ready to deploy out of the box, or you can configure logic, scoring models, and data flows to match your internal policies and compliance requirements. Full transparency and auditability are built in every step.

Application from Any Channel

Accept applications from mobile, ecommerce, in-store, or POS. All applications flow through a unified workflow, no matter how they enter the system.

Integration with Data Providers

Connect seamlessly to credit bureaus, ID verification systems, and sanctions screening providers, ensuring fast, accurate, and compliant data acquisition.

Automated Decisioning at Scale

Use rule-based logic to evaluate credit risk, identity, fraud risk, and assign offers. Workflows are configurable, supporting champion/challenger testing and scoring adjustments.

Intelligent Underwriting When Needed

Send applications to manual underwriting only when necessary. Underwriters get full visibility into applicant data, decision paths, and workflow history.

Real-Time Results and System Integration

Return decisions—approved, declined, or pending—in real time and push them to internal systems, reporting layers, and third-party tools for seamless integration.

Tools for Fast, Flexible Card Origination

Configurable Workflows and Rules

Adapt and configure workflows, decision rules, scoring models, and product settings on a cloud-based platform without needing to rely on external vendors. Roll out updates faster and adapt instantly to market or policy changes.

Integrated Fraud and Identity Checks

Protect your business with built-in fraud detection and identity verification. Our platform connects seamlessly with global data providers to perform real-time checks, reducing risk at the point of application without adding friction for the customer.

Automated Decisioning for Card Origination

Optimise approval rates and increase originations with faster, automated decisioning. Our prebuilt logic and flexible configuration tools allow you to launch targeted card offerings that convert more customers, across all digital and physical channels.

Compliance-Ready Platform

Stay ahead of regulatory requirements with a platform designed for compliance. Our infrastructure supports PCI DSS, SOC 2 Type II, and GDPR, with configurable workflows and audit-ready controls for every stage of the customer lifecycle.