Zoot provides credit decisioning and loan origination solutions for large and innovative financial services institutions. Our unique solution structure gives clients the flexibility to tailor their solutions to support their distinct business strategy. This approach gives business users total control of rules, processes, and policies across the enterprise allowing rapid changes as market conditions fluctuate. For nearly 20 years, we have partnered with innovative lenders to move the industry forward through new technology approaches. For example, in 1992 we enabled the first automated approval on a credit card, in 2006 we developed the first successful enterprise cross-sell and decisioning framework, and today we have four patents pending on new developments.