Doing the Math: How to Assess the Value of AI-driven Lending

Zest AI Resources

Lenders everywhere are breaking their reliance on generic, legacy credit scoring and switching to AI or machine learning based credit models. Why? AI-driven models are more accurate and inclusive, delivering a whole new set of economic and social benefits. Among them:

  • Higher return on asset and better use of capital
  • Improved borrower and member experience
  • Increased automation, efficiency, and decisioning speed
  • Enhanced market competitiveness

We've organized this guide according to best practices for evaluating AI lending for your organization:

  • Measuring Statistical Performance
  • Assessing Stability and Durability
  • Analyzing Economic Projections
  • Ensuring Compliance and Explainability