Transform your Lending with ZAML

ZAML® software and tools let you put advanced machine learning models into production quickly to improve your ability to segment good credit risks from bad.
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Achieving Safer Portfolio Growth

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.

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Reach new customers

ZAML helps you make more accurate assessments of borrower risk across the credit spectrum and opens up new channels and markets by reducing the risk of making loans in areas where you have a limited track record.

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Cross-sell more effectively

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 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.

Don't get tricked by snake oil AI explainability

ZAML explanations are consistent, accurate, and fast.

Find out why

Using ML to Launch a Credit Business in China

A leading e-commerce company wanted to extend credit to its customers, but lacked the expertise and data. It turned to Zest to build a new machine learning underwriting model to accurately score consumers that lack a traditional credit profile.

Cut losses

Reduce losses and default rates by 20% or more

Increase approvals

Increase approvals by 15% or more

Price and assess risk better

Stay ahead of other lenders with the most competitive offers

Let’s Talk

Find out how we can expand your consumer lending business.


Learn how consumer lenders like you are using ZAML to transform their underwriting

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