In a successful trial, Discover and Zest found that the inclusion of more data and more sophisticated math reduced default rates significantly with no portfolio risk.
Reduce your risk
ZAML tools help you build models with much higher precision so you can eliminate bad borrowers and slash charge-off rates while keeping approvals steady.
ZAML tools help you maximize the value of your datasets by finding new sources of predictive power for underwriting. Outpace your competitors by incorporating thousands of variables to better assess risk.
Reduce losses and default rates by 20% or more
Increase approvals by 15% or more
Analyze the creditworthiness of each borrower with more predictability