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Meet Zest In Vegas

We'll be at Money 20/20 October 27-29

Zest will be in Vegas October 27-29, at Money 20/20 and AFS

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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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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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


Reduction In Charge-Offs

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

Read the Success Story


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AI Lending 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.

Discover Unidentified borrowers
ZAML makes finding new credit borrowers easy

Real Results


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

Read the Case Study

33 decrease in charge offs


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

Read the Study
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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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Learn how your business can grow with Zest Automated Machine Learning.