Intelligent Data Acquisition & Management

Orchestrated. Seamless. Actionable.

Unlock powerful possibilities with Intelligent Data Acquisition & Management—delivering flexible, real-time access to critical data sources, seamless system integration, and full monitoring and support to streamline data operations and enable faster, more confident decision-making.

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Trusted by financial service providers of all sizes across Europe and beyond.

Case Study

Intelligent Data Orchestration

Our platform intelligently coordinates data flows across multiple sources, ensuring every piece of information arrives at the right place, in the right format, at the right time.

Actionable Data Extracts

We transform raw data into meaningful, ready-to-use insights—ensuring every signal contributes to faster, smarter decisions that drive measurable outcomes.

Seamless Integration

We simplify the complexity of connecting to hundreds of data providers, delivering real-time access through a unified, consistent interface that enables instant, uninterrupted decisioning.

From Access to Action —
with Seamless Data Integration

Zoot enables secure access to decision-critical data sources and seamless management of complex data flows—maximising efficiency, transparency, and impact across your decisioning process.

Data Gateway

Data Management

Data Connection API

Connect to mission-critical data in real time

Zoot’s Data Gateway gives you fast, secure access to the data you need—when and where it matters most. With over 350 ready-to-use connections, you can integrate external and internal data sources at any point in your decision
process.

Built-in monitoring and automated recovery ensure stability, while flexible integration capabilities let you connect seamlessly into your existing
architecture. The result: cleaner data flows, faster decisions, and greater operational efficiency.

350+ ready-to-use data connections for credit, identity, fraud,  and more

Continuous monitoring & auto-recovery for uninterrupted  data access

Flexible, scalable integration into any existing systems or workflows

Turn complex data into clear insight

Zoot’s Data Management capabilities make it easy to import, structure, and secure data across your entire decisioning process. Whether you’re pulling data from multiple sources or applying custom scoring logic, we ensure smooth integration, consistent performance, and full control—without the IT
complexity.

With a single, secure API connection to Zoot’s private cloud, you can manage diverse data formats effortlessly, enabling fast, informed decisions at every
stage.

Automated data ingestion from any source or format

Secure, reliable transmission through Zoot’s private cloud

Custom scoring models to drive smarter segmentation and risk insights

Simplify Connectivity. Maximise Control

Zoot’s Data Connection API is designed to eliminate integration hurdles and accelerate your data strategy. With a single, centralised point of access, you can connect to any data source—internal, external, traditional, or alternative—
quickly and securely. Our infrastructure ensures real-time performance,
complete security, and seamless compatibility with your existing systems.
No more delays, no more manual intervention—just instant access to the data you need to make confident decisions.

Effortless integration with internal and third-party data sources

End-to-end encryption and redundant, secure delivery paths

Support for any message type, format, or schema

Clients

Build better, launch faster

Build great products, faster
than ever

350

Data Sources Integrated

80%

Faster Data Integration

< 1 sec

Average Data Response Time

90%⁺

Reduction in Manual Data
Handling

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 handle real-time data orchestration across multiple sources?

Zoot’s orchestration engine coordinates asynchronous and synchronous data flows from 350+ sources in real time. Using a message-based architecture, we standardise disparate input formats, enforce schema validations, and route data to the correct processing nodes using intelligent mapping rules. All orchestration is backed by logging, failover handling, and retry logic—ensuring uninterrupted, accurate, and traceable data delivery.

What types of data formats and message protocols does Zoot’s Data Gateway support?

Zoot supports virtually any data format or protocol—XML, JSON, CSV, fixed-width, SOAP, REST, MQ, SFTP, and more. The platform automatically transforms incoming payloads into a normalised internal format using schema-aware parsing. This allows seamless integration with both modern APIs and legacy systems, enabling you to onboard providers without reengineering your infrastructure.

Can we apply business logic or scoring models during the data ingestion process?

Yes. Zoot’s Data Management module allows inline execution of business logic, attribute transformations, and scoring models as data is ingested. This enables preprocessing before decisioning—whether you’re normalising inputs, enriching data with calculated fields, or generating risk scores using custom models. These workflows are modular, low-code configurable, and reusable across applications.

How does the Data Connection API ensure secure, scalable, and high-performance data integration?

Zoot’s API infrastructure uses end-to-end TLS encryption, segmented delivery paths, and load-balanced nodes to ensure uptime and security. All connections are governed by access controls, usage monitoring, and dynamic throttling to maintain performance. The API accepts any message type, integrates easily with enterprise service buses (ESBs), and supports burst traffic with sub-second response time under load.

Smarter Data for Every Stage of the Journey

Whether assessing identity, credit, risk, or fraud, Zoot delivers the data and services needed to make confident decisions from first interaction to final resolution.

Consumer Credit & Services

Consumer credit reports
Credit & Risk Scores
Identity Verification
Fraud Prevention & Verification

Customer Acquisition

Prescreen & Predictive Modeling
Scores & Attributes

Commercial Credit and Services

Commercial Credit Reports
Credit Scores
Risk & Fraud Management
Attributes & Services

Identity Verification

Device ID & Fraud scores
Multifactor Authentication
Biometrics
Call Centre Verification

Consumer Non-Traditional Credit

Identity Verification
Risk & Fraud Management
Alternative Credit Attributes

Fraud Prevention

Predictive Fraud Models
Fraud Scores
Alerts & Attributes
Digital Payment Fraud Prevention

Fraud Verification

Application Fraud Checks
Risk Management & Monitoring
Digital Identity Assessments

Bookings, Documents & Letters

Loan & Credit Card Issuing
Processing & Management
Customer Communication & Remittance

Collections & Recoveries

Messaging Services
Phone & Address Verification
Credit & Risk Scores
Bankruptcy & Deceased Checks

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

Buy Now, Pay Later

Power Seamless Integration — from Data to Decision

Let’s talk about transforming your data acquisition strategy.