Machine Learning For Underwriting That Works

ZAML® is the only way to get your ML credit models from the lab to production. Reduce losses. Increase approvals. Fast. 

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Discover + Zest

How Discover Is Using ZAML To Deploy ML Underwriting Models

We're helping Discover create one of the largest AI-based credit scoring solutions in the financial services industry.

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ZAML + Microsoft

First Fully Explainable AI Solution For Credit with Microsoft Cloud

The collaboration will accelerate adoption of machine learning in financial services, potentially cutting billions in losses for banks and broadening access to credit.

Press Release

23%

Reduction In Charge-Offs

A subprime auto lender cut its losses by 23% per year and increased approvals 14%.

Read the Success Story

 

ZestFinance Announces AI Lending Partnership With Via Varejo and Banqi

Brazil’s leading retailer to use Zest machine learning software to expand credit access for millions of Brazilian consumers

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Find more good customers and fewer bad ones.

ZAML customers see a 15% average increase in approval rates with no added risk.

No black boxes here.

We automate the risk management so you can focus on great modeling with 100% explainability. Go live in 3 months, a new industry benchmark. 

Use more of the data you already have.

ZAML models can combine thousands of variables for deeper insights. It works on-premise or in the cloud.

Identify millions of new creditworthy borrowers

Machine learning works. Zest Automated Machine Learning (ZAML) customers are seeing 15% increases in approval rates with no increase in defaults. You get performance, compliance, and all the transparency you need to satisfy lending regulations.

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ZAML makes finding new credit borrowers easy

Real Results

33%

decrease in charge-off rate for a major subprime auto lender

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33 decrease in charge offs

$800M

credit expansion for a top 10 credit card provider over 2 years

Read our Consumer Lending Overview
$800 million dollars credit expansion

Better approval rates and loss reduction for Ford Credit

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Discover how machine learning can transform your underwriting

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How to Make More Money with Machine Learning

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Defi + Zest: Unlocking the Power of ML to Make Fair and Transparent Credit Available to Everyone