Personalized offers improve customer experience, increase acceptance rates.

Zoot, a leading provider of advanced instant credit decisioning and loan origination solutions and Acxiom® Corporation, a recognized leader in marketing services and technology, today announced their integrated real-time, online credit issuing solution at the 2012 CEB TowerGroup Financial Services Conference.

Recent customer experience surveys indicate companies issuing online credit have less than three seconds to present a fully-vetted offer or risk losing them. Acxiom and Zoot have developed a solution to increase acceptance rates through real-time, personalized credit offers. With the proper agreements in place, (including necessary agreements with applicable consumer reporting agencies), Zoot's zAcquire® instant prescreen decisioning solution can leverage data stored at Acxiom to render a credit decision based upon a complex decision criteria in under two seconds. This solution enhances the customer experience with personalized offers, contributes to higher offer acceptance rates, and lowers the card issuer's acquisition costs.

"Compared to traditional outreach methods, companies are able to significantly reduce their cost per account acquired," said Tom Johnson, vice president of product and business development for Zoot Enterprises. "The real-time offer process taps into the card issuer's existing offer database and then recognizes consumers through any number of input channels. It responds with pre-approved offers tailored to consumer interests and needs."

The Acxiom/Zoot partnership is beneficial to card-issuer companies who wish to extend firm offers of credit in real-time that are relevant and personalized. Financial companies can now reach more consumers and increase the number of those who sign up for offers. Also, the solution keeps costs down for companies by using data more effectively. The combined solution works together to deliver millions of offers every month in all verticals and channels where real-time decisioning is beneficial.

"This solution is very attractive to financial services companies that want to extend real-time offers of credit across multiple channels," said Randy Watson, vice president of product marketing, Acxiom. "With full privacy compliance and required regulatory approvals, this offering leverages existing investments, and time-honored marketing best practices to significantly reduce acquisition cost savings, as well as increase application approvals and account openings without the additional risk that often accompany online acquisition."

About Acxiom
Acxiom is a recognized leader in marketing services and technology that enable marketers to successfully manage audiences, personalize consumer experiences and create profitable customer relationships. Our superior industry-focused, consultative approach combines consumer data and analytics, databases, data integration and consulting solutions for personalized, multichannel marketing strategies. Acxiom leverages over 40 years of experience in data management to deliver high-performance, highly secure, reliable information management services. Founded in 1969, Acxiom is headquartered in Little Rock, Arkansas, USA, and serves clients around the world from locations in the United States, Europe, Asia-Pacific, and South America. For more information about Acxiom, visit

About Zoot
Bozeman, Mont.-based Zoot Enterprises, Inc. provides comprehensive credit decisioning, loan origination and credit risk management solutions to enable clients' unique business objectives, leading to long-term relationships with top U.S. and international financial institutions. Zoot's rapid, high-volume processing environment has the capacity to process billions of transactions per year. Visit or call 406.556.7555 for more information. Zoot thought leaders are now featured on

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