Zum features

Zum features

KYC / Financial Data Insights

KYC / Financial Data Insights

KYC / Financial Data Insights

Trust Every Transaction. Predict Every Outcome.

Trust Every Transaction. Predict Every Outcome.

Verify Smarter. Predict Better.

Go beyond basic ID checks with AI-powered KYC and deep financial intelligence that reduce fraud, simplify compliance, and make payments more reliable at scale.

Go beyond basic ID checks with AI-powered KYC and deep financial intelligence that reduce fraud, simplify compliance, and make payments more reliable at scale.

Advanced KYC & Verification

Prevent lost revenue with real-time retries and optimised network messaging, which use the preferred formatting for issuing banks.

Financial Intelligence at Scale

Leverage payment behavior data across all rails to spot patterns, detect anomalies, and make smarter decisions in real time.

Predictive Risk Modeling

Use machine learning to anticipate payment failures before they happen, improving reliability and user experience.

Smarter Compliance Built In

Stay ahead of regulations with automated monitoring that keeps every transaction safe and compliant.

Insights & Data Aggregation

Insights & Data Aggregation

Turn complex payment data into clear business intelligence.

Turn complex payment data into clear business intelligence.

Unified Data View

Bring together payments, customer activity, and transaction history into one clear dashboard.

Predictive Analytics

Leverage AI and machine learning to forecast payment outcomes, spot anomalies, and anticipate failures.

Compliance & Risk Intelligence

Stay ahead of fraud and regulatory requirements with automated monitoring and reporting.

Bank Connectivity

Bank Connectivity

Seamlessly link with banks across Canada and the US to access real-time financial data, improve decision-making, and power intelligent payments.

Seamlessly link with banks across Canada and the US to access real-time financial data, improve decision-making, and power intelligent payments.

Universal Bank Connections

Securely connect to major banks in the US and Canada, giving you instant access to account and transaction data.

Real-Time Financial Data

Pull live balances, cash flow history, and transaction patterns to improve risk management and customer experience.

Smarter Insights at Scale

Leverage aggregated bank data to power credit decisioning, predictive analytics, and personalized financial services.

Card Issuance

Prepaid and secured credit card programs fully managed by Zūm - no bank involved.

Card Issuance

Prepaid and secured credit card programs fully managed by Zūm - no bank involved.