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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“We found the best way to drive benefits faster was to complement our internal efforts with a partnership with Zest” 

Roger Hochschild
CEO and President, Discover Financial Services

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Reach new customers

It’s harder than ever for lenders to grow their business. The growth out there is in the thin- or no-file consumers: millennials, immigrants, and young adults entering the workforce. Our machine learning models are better at accurately assessing these overlooked customers.

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Cross-sell more effectively

With ZAML, you can responsibly add new customer segments to your lending programs by accurately monitoring credit risk in segments that confound traditional scoring methods.


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

Cut losses

Reduce losses and default rates by 20% or more

Increase approvals

Expand into new markets and win more customers

Price and assess risk better

Analyze the creditworthiness of each borrower with more predictability

Let’s Talk

Find out how we can expand your consumer lending business.