Explore the full depth of each module. Click a tab to see everything it includes.
Manage the entire application journey from multi-channel intake through underwriting to disbursement. Staff and borrowers both get dedicated interfaces optimized for their workflow.
Web portal self-service, walk-in agent-assisted, and staff-created applications on behalf of customers.
Scan front and back of national IDs. Automatically extracts name, DOB, ID number, address, and gender.
Upload payslips, bank statements, job letters, IDs, and utility bills. Preview, download, and delete with type tagging.
Auto-generated hire-purchase agreements from DOCX templates. Electronic signature pad with typed name confirmation.
Add, edit, and delete applicant references with name, relationship, phone, address, and directions.
Underwriters can propose adjusted amounts, rates, or terms. Borrowers accept or reject directly from their portal.
Borrowers select merchants, branches, and item categories with quantities, prices, and descriptions.
Eligible credit products shown with tenure options, payment calculator, and full amortization schedule preview.
Threaded messaging between staff and borrowers attached to each application.
Manual or bank transfer disbursement with bank details capture, method selection, and notes.
Cancel approved applications with a reason. Creates audit trail entry and updates status.
Progress tracker: Submitted, Under Review, Credit Check, Decision. Visible to both staff and borrowers.
Downloadable consent PDFs. Credit check requires explicit consent before proceeding.
Underwriters can add timestamped notes to applications visible only to staff.
An AI-powered application routing and workload management system. AI prioritization, SLA tracking, stage-based workflows, and real-time team awareness keep your underwriting pipeline moving.
Applications ranked by configurable priority algorithm factoring in age, amount, completeness, and SLA urgency.
Shared queue (unassigned pool), My Queue (assigned work), Waiting Queue (awaiting borrower response), and All Applications.
Target turnaround times with warning and breach indicators. Automatic pause when waiting for borrower. Business-hours aware.
Configurable pipeline stages. Applications progress through stages with SLA targets per stage.
Pull (agents claim), auto-assign, hybrid, or manager assignment. Skills-based routing and authority limits.
Real-time stats bar: pending count, active work, decided today, average turnaround, and team online status.
Agents claim applications from the shared pool. Release returns them. Defer suggestions for later.
Send applications back for more info. Pauses SLA, increments return count, resumes on response.
Always-visible sidebar showing each team member's current/max load and availability status.
Staff can signal overload. Visible to managers for workload redistribution.
Formal exception workflow for applications requiring special handling outside standard policy.
Throughput charts, team performance tables, pipeline funnel, and process insight recommendations.
Same-borrower assignment preference keeps returning applications with the original underwriter.
Configurable holidays and business days. SLA calculations respect non-working periods.
Full-featured collections management with AI-first case prioritization, compliance rules, automated sequences, multi-channel outreach, and detailed agent performance tracking.
Each case shows a recommended action with confidence score, reasoning, suggested tone, and offer guidance.
0-100 propensity score per case with trend indicators and contributing behavioral factors.
Create, track, and monitor payment promises. Automatic status updates (pending, kept, broken).
Auto-calculated settlement amounts based on DPD. Approval workflow with senior authorization for high discounts.
Contact frequency caps, cooling-off periods, time-of-day restrictions, and channel permissions per jurisdiction.
Multi-step automated outreach sequences by channel (WhatsApp, SMS, email) with day offsets and wait-for-response logic.
Auto-generated daily summary of portfolio priorities, key changes, and recommended strategy focus areas.
Context-aware message drafting for WhatsApp, SMS, and email tailored to each borrower's situation.
Toggle dispute active, vulnerability, do-not-contact, and hardship flags per case.
Pattern detection across payment history, communication responses, and borrower behavior trends.
See cure rates and average resolution days for borrowers with similar profiles and delinquency patterns.
Reusable templates by channel and tone with context variable interpolation. Track response and payment rates.
Automatically enroll delinquent cases into appropriate collection sequences based on DPD stage.
Per-agent metrics: resolution rates, PTP rates, collection amounts, SLA compliance, and case volumes.
12-month visual calendar grid showing payment activity, gaps, and patterns per borrower.
CSV queue export. Dashboard KPIs: delinquent accounts, overdue totals, cure rate, recovered MTD.
A unified view of every borrower's complete relationship with your organization. All applications, loans, payments, communications, documents, and system interactions in one place.
Header with total exposure, active loan count, on-time rate, risk tier, and contact details.
Sidebar with customer health gauge, key behavioral signals, and prioritized recommended actions.
Chronological event stream across all modules. Filterable by category (application, loan, payment, collection, communication, document, system).
Natural language Q&A panel. Ask questions in plain English with cited, data-grounded answers.
Auto-generated narrative summary with sentiment badge, highlights, risk narrative, and confidence score.
Exposure breakdown pie chart, 12-month payment behavior bar chart, balance trend line.
Expandable cards for every application: reference, date, amount, status, and full review history.
Active and closed loans with payment schedules, HP agreement and contract downloads, and collection links.
Payment trend chart, payment method pie chart, and full payment history table.
Start new conversations (web chat or WhatsApp). Inline chat panel. Application messages and internal notes.
HP agreements, contracts, and uploaded documents with type, size, status, download, and delete controls.
Lifetime value, active products, worst DPD, on-time payment rate, relationship length, and last contact date.
Inline editing of phone, WhatsApp, email, and employer phone directly from the 360 view.
A full self-service portal for borrowers. Apply for loans, track status, view payment schedules, make payments, upload documents, chat with support, and manage their profile.
Guided 8-step flow: ID scan, personal info, employment, references, shopping, plan selection, review, documents, and contract signing.
Visual progress tracker (Submitted, Under Review, Credit Check, Decision) with real-time status updates.
Active loans with balances, next payments, progress bars, payment calendars, and overdue alerts with DPD breakdown.
Pay directly from the portal. Amount input, payment confirmation, and success/error handling.
Real-time chat with support agents and automated assistant for loan inquiries and service requests.
Application messages, collection messages (WhatsApp), status change alerts, and payment reminders in one feed.
Upload additional documents by type (payslip, bank statement, job letter, ID, utility bill). Preview and delete.
Edit personal details, ID, address, employment sector, occupation, income, and years employed.
View and respond to lender counterproposals. Side-by-side comparison of original vs. proposed terms.
HP agreement text display, canvas signature pad, typed name, and "I agree" confirmation.
Request a payment plan when in arrears. Submit request with explanation directly from loan view.
Raise disputes with category selection and description. Track dispute status from the loan view.
A multi-tenant storefront for merchants that combines product browsing, BNPL financing, card checkout, banners, store settings, and order operations in one flow.
Browse product listings, detail pages, cart, checkout, FAQ, returns, terms, privacy, and contact pages without requiring borrower login.
Checkout can create a Zotta loan application and move approved customers into the lending lifecycle.
Direct card purchase path with order creation, VAT, delivery fees, promo codes, and confirmation handling.
Products support SKUs, variants, prices, stock counts, specifications, badges, sort order, and product or variant image galleries.
Back-office banner management controls storefront hero placements, campaign messaging, image assets, and display order.
Per-tenant settings for VAT, delivery zones, pickup options, contact details, promo handling, and storefront behavior.
Back office tracks orders, order items, checkout status, fulfillment context, and related customer/application records.
Bulk catalog uploads keep storefront inventory current while preserving audit history for imported products and images.
A dedicated gateway isolates e-shop logic from the core LMS, making future service extraction straightforward.
Tenant resolution supports merchant-specific storefront experiences while keeping data separated by tenant.
A configurable Wheel of Fortune rewards system that gives borrowers points for good repayment behavior and gives lenders controls for redemption, jackpots, and analytics.
Borrowers can spin a branded rewards wheel after eligible payment behavior, with configurable segments, probabilities, colors, and prizes.
Immutable points transactions track earnings, redemptions, bonuses, jackpot consolation, expiry, and running balances.
Borrowers redeem points for cash or payment credits, with configurable conversion rate and minimum redemption thresholds.
High-value jackpot claims can require back-office approval before payout or application to a loan.
Admins control eligibility rules, spin limits, jackpot budgets, points-to-currency rate, and active wheel segments.
Track points distributed, redemption behavior, jackpot exposure, borrower engagement, and program performance.
Limit spins per user, loan, and month so reward costs stay predictable.
Reward eligibility can require current loans, minimum payments, and on-time repayment behavior.
Spin results, jackpot events, and redemption updates can be surfaced back to borrowers through the communication layer.
Multi-channel customer communication with Twilio-powered WhatsApp, web chat, and an AI-powered conversation engine that classifies intents and guides users through structured flows.
Automated responses for loan inquiries, application status, payment questions, FAQs, and product information.
Automatic detection: new loan, top-up, pre-qualification, rate inquiry, status check, servicing, complaint, general info.
18 states from INITIATED through APPLICATION_IN_PROGRESS to DISBURSED. Full lifecycle tracking.
Start and complete loan applications entirely through WhatsApp with guided data collection flows.
Automatic escalation to human agents for complex cases. Agent assignment and conversation transfer.
Staff-facing queue with active, escalated, and all conversation filters. Agent reply interface.
Cold start, pre-qualified, returning applicant, existing customer, and servicing entry contexts.
Consumer-facing info (balances, payments, arrears) shared. Internal data (risk flags, staff notes) protected.
Webhook signature verification for secure inbound message processing.
Inbound messages routed to conversations or collections based on sender context and active cases.
Conversations linked to loan applications. Linked application summary visible in the conversation view.
A complete double-entry accounting system with automated loan event mapping, period management, financial statements, anomaly detection, natural language queries, and a custom report builder.
Hierarchical tree: assets, liabilities, equity, revenue, expenses. Header, detail, and total account types. Freeze and close controls.
Full lifecycle: draft, submit, approve, post, reverse. Double-entry validation, multi-line entries, and narrative support.
Automated journal entries triggered by loan events (disbursement, payment, fee, write-off). Dry-run preview before activation.
Balance sheet, income statement, and trial balance. Depth-level filtering. Balanced/unbalanced indicator.
Create fiscal years with 12 monthly periods. Period operations: close, soft-close, lock, reopen. Year-end close automation.
T-account view per account with date range filters, running balance, opening and closing balance cards.
Ask accounting questions in plain English: "What was total interest income last month?" Returns formatted numbers, tables, or suggestions.
Flagged entries with risk scores. Types: amount outliers, unusual patterns, velocity spikes, balance direction changes.
Custom reports: select accounts, metrics (debit, credit, net, count), grouping, and time period. Save as templates.
CSV, Excel, PDF, JSON, and XML export for journal entries, trial balance, and custom reports.
Suggests GL accounts based on transaction descriptions for faster manual entry creation.
Cash flow forecasting, revenue forecasting, and account balance projections based on historical data.
Stale suspense item detection, auto-matching entries, and control account reconciliation tools.
Interest accrual, loan loss provisioning, and fee assessment batches with status tracking.
Historical disbursement and payment entry generation for existing loans added to the GL.
Operator syntax: amount:>50000, account:2100*, status:posted. Saved filter presets.
Bidirectional QuickBooks Online sync and Caribbean-ready FX management keep lending operations aligned with finance systems and local currencies.
Connect QuickBooks Online securely with OAuth, token refresh, connection status, and disconnect controls.
Sync customers, invoices, payments, items, and accounting data between Zotta and QuickBooks.
Track sync runs, status, records synced, errors, and retry context from a back-office dashboard.
Map Zotta GL accounts to QuickBooks accounts so reconciliation follows finance-team structure.
Create and manage exchange rates, convert amounts, and preserve historical rate context.
Support Trinidad & Tobago, Jamaica, Barbados, Guyana, and USD-denominated reporting workflows.
Monitor portfolio concentration risk across industry sectors. Set exposure limits, track risk trends, run stress tests, and receive automated alerts when thresholds are breached.
Donut and bar chart views of portfolio distribution. Top/bottom 5 sectors. Breached caps and watchlist counts.
Deep-dive: outstanding, active loans, average size, exposure with cap info, delinquency rate, NPL ratio.
Color-coded table: sector, exposure %, loan count, delinquency rate, NPL ratio, risk badge, concentration status.
Configurable exposure caps, max loan amounts, max terms, collateral/guarantor requirements per sector.
What-if scenario builder: apply default rate multipliers and exposure changes. Pre-built templates (hurricane, commodity crash, pandemic).
Custom alert rules by metric (delinquency, NPL, exposure), operator, threshold, and severity. Automated evaluation.
Transition rates between DPD buckets (current to 30, 30 to 60, 60 to 90+) per sector.
Pause new lending to a sector with reason and date tracking. Enforced during underwriting.
Flag sectors for monitoring with configurable review frequency. Visible across dashboards.
Area charts tracking delinquency rate, NPL ratio, and loan count over time per sector.
Real-time KPI dashboards, 10+ standard report types, portfolio P&L tracking, and exportable data across every module. Every list and dashboard supports CSV export.
Live P&L (interest earned, expected losses, net). KPIs: total applications, pending, approval rate, avg amount, avg processing days.
Aged bucket breakdown: 1-30, 31-60, 61-90, 90+ DPD with visual bars and amounts. Clickable to filter loans.
Aged Report, Exposure, Interest & Fees, Loan Statement, Portfolio Summary, Loan Book, Underwriter Performance, Collection Report, Disbursement Report.
Searchable, sortable table of all disbursed loans. Filter by risk band or arrears. Expandable payment calendars and transaction histories.
Monthly volume area chart, risk distribution pie chart, daily application volume bars, applications by status breakdown.
Previously generated reports stored with parameters. Re-download any historical report.
Projected interest income, total principal disbursed, projected profit, and expected default loss calculations.
Collections dashboard: delinquent accounts, overdue totals, cure rate, PTP kept rate, avg collection days, recovered MTD.
Throughput charts, pipeline funnel, team performance leaderboard, and process insight cards.
Export any report to CSV. Download HP agreements and contracts as PDF/DOCX. Loan book export.
Admin tools for merchants, branches, product categories, credit products, pricing rules, promotions, price tickets, and product intelligence.
Manage merchant registry, branch locations, country codes, online branches, and active/inactive status.
Configure min/max amounts, terms, interest rates, currencies, country availability, fees, and eligibility limits.
Rate tiers support LTV/DTI limits and product-specific pricing controls.
Permanent pricing modifiers support zero-interest periods, half-interest, deferred payments, and payment-free offers.
Time-bound campaigns can target products, merchants, or global offers, with promo codes, start/end dates, and redemption caps.
Generate QR-linked price tickets that carry merchant, branch, product, price, term, and signed application context.
Calculate installments, fees, interest, discounts, and promotion effects before application submission.
Product intelligence can suggest relevant products based on borrower context and configured eligibility.
Manage merchant-specific categories and QuickBooks item mappings for clean reporting and sync.
Rules, promotions, products, and merchant changes are tracked through the platform audit trail.
Enterprise-grade user, tenant, and access management with role-based access control, MFA, session tracking, anomaly detection, API keys, and maker-checker workflows for sensitive operations.
10 system roles, 54 granular permissions across 13 modules. Scope levels: all, own, team. Role hierarchy with inheritance.
TOTP-based MFA via Google Authenticator, Authy, or any authenticator app. QR code setup, confirmation flow.
JWT tokens with unique JTI. Device and IP tracking. Active session listing. Individual and bulk revocation.
Automatic lockout after 5 failed login attempts. 30-minute cooldown. Admin unlock capability.
Sensitive operations (role changes, user deactivation) require approval from a second administrator.
Heuristics for new IP/device, brute force, unusual login times, rapid IP switching, and impossible travel.
Create, search, filter, suspend, reactivate, deactivate, unlock, and delete users. Status cards with counts.
Create custom roles. Permission search and module-level select-all. System role protection prevents deletion.
Employee ID, department, job title, timezone, language, phone, display name, and profile photo support.
Admin password reset with must-change flag. Password strength validation. Forced change on next login.
SoD checks prevent self-assignment of conflicting roles. Enforced at the workflow level.
AI-powered role suggestions based on department and job title using keyword matching.
Superadmins can create, activate, configure, and switch between tenants from the back-office shell.
Hide or reveal menu sections per tenant so each organization sees only the modules it uses.
System API key management supports merchant integrations and controlled external access.
Role, tenant, session, and API-key events are logged with actor, timestamp, and operational context.
Automated document handling covering ID parsing, bank statement analysis, price tag extraction, and contract generation. Reduces manual data entry and speeds up underwriting.
Scan front and back of national IDs. Extracts name, DOB, ID number, address, gender. Multi-language, multi-country support.
Parse PDF, CSV, and image bank statements. Categorized inflows/outflows, income stability, volatility analysis.
Extract item price from photos. Multi-currency: TTD, JMD, BBD, GYD, USD.
DOCX template processing with placeholder replacement. Items table, financial summary, and signature image embedding.
Bank statement flags: gambling transactions, cash squeeze, high withdrawals, irregular income, bounced payments, declining balance.
Payslips, bank statements, job letters, national IDs, utility bills, and custom document types with status tracking.
Comprehensive audit trails, error monitoring, and compliance tools ensuring every action is logged, every error is tracked, and regulatory requirements are met.
Every create, update, delete, and action logged with entity, user, IP address, old/new values, and timestamp.
Real-time dashboard: error counts by severity, unresolved count, top error types, top failing endpoints, hourly trends.
Mark errors resolved/unresolved with notes. Bulk resolve. Full request context: body, traceback, user, response time.
Contact frequency caps, cooling-off periods, time-of-day rules, and channel permissions enforced across collections.
Account audit trails, journal entry approval workflows, and period-close automation with readiness checklists.
Login attempt history with success/failure, IP, device, timestamp, and anomaly detection flags.