ZestFinance Press

Zest in the News

2018

AI will take over credit decisions… and that’s good (LinkedIn)

By the year 2030, artificial intelligence will have replaced humans in underwriting. We’re not there yet, but the AI train has already left the station.

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2017

Auto Finance heats up as FinTechs save automakers millions (Auto Finance News)

Inspired by the examples of ZestFinance and others, venture capital firms look to innovate FinTech firms working in auto

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Ford to look beyond credit scores in sales push (The Wall Street Journal)

Ford Credit expands in critical partnership with ZestFinance

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Wal-Mart nears a pilot deal to offer customers installment loans (The Wall Street Journal)

Wal-Mart and Synchrony looking to FinTech firms like ZestFinance to increase revenue

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Recognized among the prestigious LA 500: Douglas Merrill (Los Angeles Business Journal)

ZestFinance CEO profile

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10 Auto finance and mobility companies tackling AI (Auto Finance News)

#1: ZestFinance applying big data to auto loans for thin-file borrowers

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Big banks turn to new technology as branches close (Quartz)

Banks are partnering with companies like ZestFinance to use far more financial data

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ZestFinance named among prestigious FinTech 250 (CB Insights)

CB Insights recognizes ZestFinance for its game-changing technology.

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Machine learning promises to shake up large swathes of finance (The Economist)

ZestFinance among the companies using machine learning to revolutionize the financial industry

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ZestFinance CEO Discusses the State of FinTech (The Native Society)

The old models for credit are out, and machine learning is in

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FinTechs and Banks are becoming increasingly collaborative (The Economist)

FinTechs like ZestFinance modernize banks, top-down and bottom-up

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Interview with ZestFinance CEO Douglas Merrill (Talk Markets)

Merrill answers questions about ZestFinance, ZAML, and present and future partnerships

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Douglas Merrill: A Math Problem (C-Suite Quarterly)

What success means to ZestFinance's CEO

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ZestFinance is Using Math to Comply with Disparate Impact (Auto Finance News)

ZAML platform provides more data than FICO to comply with CFPB rules on disparate impact

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FinTechs using AI to transform payday lending (American Banker)

ZestFinance creates the only machine learning platform for credit that solves the black box problem

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ZestFinance takes on the millennial credit crisis (Crain's)

ZestFinance corrects misperceptions about millennials' creditworthiness

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Zestfinance works with a "big three" auto lender (Auto Finance News)

Captive auto finance company uses ZestFinance ML platform to reduce losses

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Expanding the lending pool (CNBC)

ZestFinance's ZAML platform makes machine learning accessible to financial services

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ZestFinance introduces machine learning platform for credit (Business Wire)

ZAML allows lenders to underwrite millennials and other consumers with limited credit history

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An AI-fueled credit formula might help get you a loan (MIT Technology Review)

ZestFinance builds a machine learning platform that finds new borrowers and protects against bias

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Podcast: How to price loans to people with limited credit histories (Financial Times)

Banking Weekly Podcast talks to Zest CEO Douglas Merrill about pricing thin-file borrowers

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The 30 Best Workplaces in Technology (Fortune)

The tech industry has long been famed for its luxe work environments—free lunches, ping pong tables, green juice on tap—but there's a lot more than perks that goes into creating a workplace employees love.

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2016

China’s big artificial intelligence push (Asia Times)

ZestFinance helps with China's push into the 21st century with new credit opportunities

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Fortune's 100 best medium workplaces (Fortune)

ZestFinance in top 10 best medium workplaces for its sense of mission (and its gym)

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Deep learning and AI in fintech (CloudTweaks)

ZestFinance redefining credit scores and challenging the use of "little data"

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ZestFinance is one of Fortune's Best Workplaces for Women (Fortune)

Recognized on Fortune's annual list of best workplaces for women

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ZestFinance bringing AI to FinTech (CB Insights)

One of 40 companies leading innovation in FinTech

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Giving credit in a post-recession society (Los Angeles Business Journal)

Chinese search giant links with ZestFinance algorithm

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Chinese search giant Baidu going deeper into banking (Fortune)

Invests in ZestFinance to assess creditworthiness of its users

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What does that web search say about your credit? (LA Times)

ZestFinance's technology pairs with Baidu's search data to provide credit scores for Chinese consumers

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ZestFinance and Baidu to transform financial services in China (Tech Crunch)

Companies partner to use search data for credit scoring

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ZestFinance named to 2016 Forbes FinTech 50 (Forbes)

Named to Forbes' list of the 50 most innovative FinTech companies for second year running

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Why we should expect algorithms to be biased (MIT Technology Review)

ZestFinance avoids biased machine learning algorithms with unique tools that prove results

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The surprising benefits of unlimited vacation (Inc.)

ZestFinance's unlimited vacation policy benefits company and employees alike

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Here Are Your 2016 Benzinga Fintech Award Winners (Benzinga)

ZestFinance named most innovative technology for Lending and Alternative Investments

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Tech CEOs demand North Carolina repeal anti-LGBT law (TechCrunch)

ZestFinance among the companies who are standing up against discrimination

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Artificial Intolerance (MIT Technology Review)

ZestFinance takes unmatched steps to prevent discrimination in its underwriting platform

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How can banks accelerate digital learning (Forbes)

Innovative FinTechs speed up banks' lending processes

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A shocking number of young people don’t think women should work in tech (Monster.com)

ZestFinance has a near-even gender breakdown, a rarity in tech

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How alternative lenders are challenging traditional credit ratings (Finance Magnates)

FinTech companies have found better ways to measure creditworthiness

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ZestFinance offers 6 months paid paternity leave (TechCrunch)

Believes the policy is integral to building a balanced, talented, and diverse workplace

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China’s JD.com lands $1 billion at $7.1B valuation (The TechNews)

JD Finance's partnership with ZestFinance allows for continued growth

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2015

FICO faces federal legislators (PYMNTS)

More predictive underwriting may not be FICO's only problem

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ZestFinance named to 2015 Forbes FinTech 50 (Forbes)

Recognized in Forbes' inagural list of the 50 most innovative FinTech companies

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No credit history, no problem (Get.com)

ZestFinance can help you build credit on the go

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The Uberization of money (The Wall Street Journal)

ZestFinance is a part of the changing financial world

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LA Tech Summit announces speakers, agenda for third annual event (Business Wire)

ZestFinance president Mike Armstrong to speak on major FinTech trends

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ZestFinance offers unlimited vacation (Today)

And executives lead by example

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Online lender ZestFinance secures $150-million credit line (LA Times)

Funding will help ZestFinance provide lower interest rate loans to subprime borrowers

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Work/Life: Douglas Merril (LA Business Journal)

CEO of ZestFinance on inclusive workplaces, living a healthy lifestyle, and taking pride in your work

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ZestFinance tackles diversity gap in FinTech (Fast Company)

With careful hiring practices, ZestFinance pushes for diversity goals that are "core to winning"

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FinTech one of 2015's most promising industries (Inc.)

ZestFinance part of this trend, aiming to expand its credit scoring into China

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How tech start-ups are closing the gender gap (CNBC)

At ZestFinance, diversity is embedded in the company's culture

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Using algorithms to determine character (New York Times)

Is data-driven personality analysis fairer than standard measures?

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Google's former CIO is helping millions of Americans get emergency loans (Business Insider)

What inspires Douglas Merrill to change the world for the better

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ZestFinance moves into near-prime lending with new Basix loan (Forbes)

Near-prime borrowers now have a way of getting fair, transparent credit

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ZestFinance hopes to fill the credit rating void in China (LA Business Journal)

ZestFinance could become "the FICO of China"

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ZestFinance and JD.com launch China joint venture (Forbes)

Together they'll expand credit to the 80% of Chinese consumers without a traditional credit score

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JD.com takes on Alibaba (Reuters)

Launching credit-scoring joint venture with ZestFinance

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JD.com the latest Chinese tech company to venture into consumer lending (Tech Crunch)

Partners with ZestFinance to use its technology in a new joint venture

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This partnership wants to bring credit scores to China (Fortune)

ZestFinance forms joint venture with JD.com, China's second largest e-commerce company

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3 myths about innovation debunked (Inc.)

ZestFinance CEO shares the lies and truths of innovations

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Marketing you can measure (The Wall Street Journal)

Using machine learning to measure customers before and after the sale

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Big data underwriting for small loans (The New York Times)

ZestFinance offers a much cheaper alternative to the payday loan

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