For banks and lenders in Australia and New Zealand
More of your loan applications, finished.
Most people give up on a lending application before the end. Zealth builds the journey they finish, runs it, and keeps bringing your drop-offs down month after month. We are measured on completion, not on delivery.
The problem
Most people who start your lending application never finish it
Signicat, 2022 (European research, used here as a labelled proxy). Up from 40% in 2016.
Bizcap with RFI Global, 2024 (small-business lending, and Bizcap is a non-bank lender)
Signicat, 2022 (European research)
There is no Australian figure for consumer lending drop-off. We have looked, and it does not exist, so we are showing you the closest honest proxies and telling you what they are.
How it works
We build the journey they finish, then we keep improving it
We build your lending journey around how you actually lend, run it, and keep improving it where the data shows people falling out. That brings the drop-offs down for your customers, and takes the build and the run off your hands.
For your customers
More people reach the end
Fewer give up partway. The journey asks less of them and carries them through, so more applications finish.
A journey that feels like one thing
Start to finish, it holds together. Nothing jarring knocks people out along the way.
It keeps getting better for them
Month after month, the experience improves where people were dropping out, so completion keeps climbing.
For your business
Built around how you actually lend
It fits your products, your policies and your risk appetite, not a template every lender gets. When a policy shifts or you add a product, it drops into the same journey, with no bolt-on form and no new drop-off.
It runs on top of what you already have
Your core, your identity checks, your decisioning. What reaches them is structured data, validated as the applicant enters it, so your decisioning gets the same fields you would have collected yourself. Zealth handles the journey, not the record of truth. We can show you exactly which fields we pass through and which we hold.
No in-house team to build it or run it
We keep it improving month to month, so your lending experience gets better without you hiring engineers.
Risk and governance
More applications finish, at the same risk bar
Your credit policy and your risk appetite do not change, and Zealth never sees the credit call.
The same identity, AML and credit checks fire at the same points they fire now. A better experience never lets an application skip a gate. What changes is how many qualified applicants reach that gate instead of giving up before it.
And you get a cleaner record, not a thinner one. The tracking that shows us where applicants drop out is also a timestamped record of every step: what was captured, when, and what went through to your decisioning. The same analytics we use to keep improving the journey give you a complete record for every application, ready to pull for a funder, an auditor or a regulator.
Why Zealth
There are three ways to fix a lending journey. This is the third.
Off-the-shelf software is fast, and gives every lender the same form. Building your own fits you, and needs a design and engineering team most lenders do not have. Zealth is the third way: your journey, built and run monthly, improving from your own drop-off data. Nothing you already run gets ripped out.
How we work with you
A form is a project. A drop-off number is a relationship.
Whether you already have a clear picture of the lending experience you want or you are still shaping it, what is missing is a team to build it and keep it sharp. That is what Zealth is. We become your lending-experience team, so the drop-offs are ours to watch and ours to fix, not your next project.
You are not buying software. You are buying a team that owns a number. You start with the core journey and go live quickly, then it keeps improving as the data shows where people fall out. Lenders who run a digital-first journey get more of their applications through to funding.1 That is the work, and we stay on it with you.
Build it with you
We build your core lending journey around how you actually lend.
Run it and watch
It goes live, and we watch where people still fall out.
Keep improving
We keep fixing what the data shows, so more applications finish.
1 Freddie Mac, 2024 (US mortgage data)
Who is behind it
New name.
The people behind it are not.
Zealth is powered by Digizoo, who have spent more than ten years in banking building customer journeys for banks and lenders. These are the people who would do your work.
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Get in touch
Show us your journey, and we will show you where people fall out
Show us how lending works for you today. In a short discovery session we walk your current journey, show you where applicants fall out, and tell you what we would fix first. You keep that, whether or not you take it further with us.
Already talking to someone here? Reply to them instead. This form is for lenders we have not met yet.