Members Cooperative Credit Union Selects Zest AI For Better Member Loans
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Powerful AI

for
Faster Loan Decisions
More Loan Approvals
Fairer Lending
First National Bank of Omaha
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Current credit scores miss the full picture

Traditional measures of credit risk are leaving financial institutions unable to spot good borrowers from bad.

Traditional tools lack sophistication

Current risk assessment techniques are dated and struggle to accommodate advances in data and modeling.

Lenders are caught in a tough balancing act

Volatile, uncertain market and regulatory environments make it tough to build a responsive, agile lending business.

ZEST OFFERS

Smarter Predictions. Quicker Decisions. Better Lending.

With powerful AI from Zest, lenders make more good loans and fewer bad ones.

Increase Approvals

15% more approvals

Identify the best borrowers, safely increase approvals

Decrease Losses

30% fewer chargeoffs

Mitigate risk, limit losses, maintain performance

Grow Yield

4% higher yields

Enhance pricing, segmentation, and recoveries

Drive Automation

3x time
to market

Gain efficiencies and return to high-value activities

ZEST OFFERS

A clearer picture of every borrower.

More data, better math, and smarter software lead to more accurate risk assessment.

ZEST OFFERS

Fast, accurate decisions.

Good decisions are easy and with intuitive automation they can be quick too.

  • Applicants and underwriters

    can make and receive credit decisions quickly

  • Lending leaders

    can make business decisions quickly

  • Credit risk and modeling

    can make policy and analysis decisions quickly

Applicants and underwriters

can make and receive credit decisions quickly

Lending leaders

can make business decisions quickly

Credit risk and modeling

can make policy and analysis decisions quickly

ZEST OFFERS

Results that make an impact.

Better lending can mean significant gains in business success and customer experience.

51%

Reduction in charge-off rate

450

Credit model variables; 17x more than previously

10s

Of millions of dollars in annual savings

With a clearer picture of borrower risk, Discover could make fast, accurate decisions to keep winning customers while saving tens of millions dollars.

ZEST OFFERS

The Model Management System

Everything you need for effective credit model management and easy AI adoption.

Build

Powerful AI-driven credit risk models

Adopt

Compliant, industry-leading inclusive lending

Operate

Fast, easy credit scoring and model monitoring

TRAIL BLAZERS
Banks that fail to invest in machine learning will end up fundamentally uncompetitive in a couple of years. We found the best way to drive benefit faster was a partnership with Zest.

Roger Hochschild

CEO and President

What really excites us is the opportunity to offer instant decisions, better pricing, and personalized service to our members through our partnership with Zest.

Jenny Vipperman

Chief Lending Officer

TRAIL BLAZERS
VyStar
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Learn how your lending can benefit from usZest AI

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