zoral is a fintech software research and development company. It was founded in 2004. zoral operates one of largest labs in Europe focused on Artificial Intelligence/Machine Learning (AI/ML), predictive systems for consumer/SME credit and financial products. Its clients are based in USA, Canada, Europe, Africa, Asia, South America and Australia. zoral is one of the world’s leading companies in the use of unstructured, social, device, MNO, bureau and behavioral data, for real-time decisioning and predictive modeling. zoral software intelligently automates digital financial products. zoral produced the world’s first, fully automated, STP consumer credit platforms. Zoral is based in London, Philadelphia and Berlin.