Banks

Fuel sustainable growth across business lines, credit products, and borrower tiers.

“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 & President

Cards

Auto

Personal

Mortgage Underwriting

Mortgage Servicing

Student

Increase approvals and decrease losses

Identify better borrowers and approve more loans—or swap risky borrowers for more creditworthy ones for a healthier portfolio.

Build a better lending business

See farther into the future with powerful prediction and insight, plus gain a competitive edge with smart automation and efficiency.

Case study

First National Bank of Omaha

28%

Reduced risk while holding approval rate constant

$37M

Savings identified (management estimates)

60

Days to complete entire model build and validation

“Fairness has always been a core tenet for FNBO and Zest’s technology helps us optimize our lending models for maximum accuracy and fairness, ensuring we do right by the communities we serve.”

Mihaela Kobjerowski
Chief Consumer Credit Risk Officer
Case study

Akbank

6 mo

Forewarning of looming recession before official announcements

45%

Reduction in non-performing loans

7 mo

Decrease in time to retrain and build new models

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

Hakan Yilmaz
Head of Credit & Model Risk Management
Case study

Discover

51%

Reduction in
charge-off rate

450

Model variables; 17x
more than previously

10s

Of millions of dollars in annual savings

“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 & President

Case study
Akbank
Case Study
Discover
Case Study
FNBO

Models that make an impact

Zest offers effective credit model management and easy AI adoption with benefits wherever your business needs it most.

Originations

Make more good loans and fewer bad ones for better lending.

Collections

Recuperate more money and deploy resources more efficiently with a clearer view of likelihood to repay.

Portfolio Risk

Re-score the risk of loans already on your books to better inform analysis by your team and partners.

Lending

Better, faster, more transparent lending decisions

Whether you need to find more good borrowers, mitigate risk, and decreases losses, drive portfolio yield, or price more intelligently, Zest AI helps you grow safely and in compliance with your regulators.

Risk

More data, better math, and smarter software

Build, analyze, validate, and document powerful, compliant AI credit models quickly and easily. With Zest, powerful predictions and confident credit decisions are easy regardless of experience.

Compliance

Gold standard compliance delivers confidence

Developed specifically for highly-regulated use cases like underwriting, Zest software produces required model risk management documentation and fair lending analyses automatically to satisfy the toughest regulators.

IT/Ops

Small footprint; large impact

Drive additional value from your current data and lending software without derailing your IT roadmap. Zest offers flexible deployments and integrations, making AI adoption and operation swift and easy.