Win new customers. Predict long-term value. Reduce churn.

ZAML® solutions will help you use more of your own data to identify and win the most profitable consumers and businesses.

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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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Expand your market share.

Win customers with better targeted plans and media bundles. ZAML models use more data and better math to match consumers with the right offering.

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Model for customer lifetime value

ZAML models can set targets based on maximizing the lifetime value and usage of your most valuable family plan or business customers.


Reduce credit losses and churn

Investing in state-of-the-art underwriting can reduce churn. Better credit performance can free up cash for strategic initiatives such as 5G.

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.