Machine Learning For Underwriting That Works

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

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Upcoming Webinar

Making More Money with Machine Learning | January 29

Zest CTO Jay Budzik will walk through the benefits of machine learning and the death of the "black box."

Use Discount Code: zest0129

Register now

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.

Read the Press Release

23%

Cut losses per year

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

Read the Success Story

Meet Us At AFSA Auto

Come to our Machine Learning Happy Hour | January 23

The Zest team will be at the AFSA Vehicle Finance Conference & Expo in San Francisco from January 22-24. We would love for financial professionals at the conference or in the Bay Area to join us for our machine learning happy hour.

Find out more
Find more good customers and fewer bad ones.

ZAML customers see a 15% average increase in approval rates with no added risk. And you can go live in 3 months, a new industry benchmark.

No black boxes here.

Your model + ZAML get you quickly into production with 100% explainability. We automate the risk management so you can focus on great modeling.

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. No rip and replace.

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.

Unidentified borrowers
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ZAML Robot

Real Results

33%

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

Read the Case Study

33 decrease in charge offs

$800mm

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
Chart

Discover how machine learning can transform your underwriting

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Meet with us to learn how your business can grow with machine learning

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