Fund loans faster and more fairly with AI

A clearer picture of every borrower means safer lending across the full credit spectrum
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We help banks of all sizes achieve their
lending objectives

Expand Credit & Drive Loan Growth

Increase lending volumes and take rates across every credit tier

Increase Automation & Efficiency

Automate decisioning, streamline compliance, and increase speed to market for new models and products

Drive Fairer Outcomes

Lend more inclusively and achieve fairer lending outcomes

Manage Risk & Control Loss

Gain greater control over risk management, decrease defaults, and reduce losses

Improve Borrower Experience

Deliver better experiences with faster decisions  and more accurate adverse action notices

Enhance Market Competitiveness

Reduce FICO dependency, innovate quickly, and respond to changes faster

Zestimonials

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

Zest really focused on the things that matter most to us: compliance, documentation, and rigorous monitoring of machine learning models.

Mihaela Kobjerowski
Chief Consumer Credit Risk Officer

By switching to Zest for credit underwriting, Akbank can find more good borrowers with no added risk and respond faster to changes in the market.

Hakan Yilmaz
Head of Credit & Model Risk Management

Industry Voices

Hear from industry lending leaders about their AI-adoption journeys

Reduce losses for stronger portfolios

Incorporating more borrower characteristics leads to better risk assessment and reduced losses

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Case Study
51%
Reduction in charge-off rate
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
‍President & CEO
10s
Of millions of dollars in annual savings
450
Model variables used, 17x more than previously
Case Study
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
‍President & CEO
51%
Reduction in charge off rate
10s
of millions of dollars in annual savings
450
model variables used, 17x more than previously
something for everyone

Software to streamline every stakeholder’s work

The Zest Model Management System benefits multiple teams involved in successful lending, including credit risk, compliance, loan operations, and IT.

More than just a new model or fancy scores, the Zest Model Management System is the foundation for powerful AI-driven lending.

Lending Leaders

Compliance

Credit Risk

Loan Operations

Learn how your lending can benefit from Zest AI

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What's new?

Read our latest blogs, news articles,
and resources.

insights

What’s in David’s slingshot? AI is the stone that saves small credit union autonomy

Learning from nature — translating the science and art of murmurations into corporate culture

Quips & AI: A change in seasons, but not in heart

resources

Unlocking Proven AI Underwriting for Smaller Credit Unions

More Automated Approvals with HawaiiUSA

How to Create the Ultimate Digital-First, Automated, Fair Lending Experience

news

Artificial Intelligence Opens Up The World Of Financial Services

Zest AI to Bring Fast, Fair Credit Access to Credit Unions of All Sizes

Small credit unions gain affordable access to AI-automated credit underwriting through Zest AI's expanded product offering

FICO scores are flawed. These lenders say they’ve found a better way to judge your credit