About Zest AI

Zest AI is dedicated to modernizing the consumer credit market by moving beyond the limitations of traditional, legacy scoring models. While older systems often rely on a narrow set of data points, Zest AI utilizes advanced machine learning to analyze thousands of variables. This allows lenders to identify creditworthy borrowers who are frequently overlooked by traditional systems, particularly those with thin credit histories or from underserved communities.

The company's technology is built on a foundation of explainable AI, ensuring that automated decisions are transparent, compliant with federal regulations, and designed to reduce algorithmic bias. By integrating directly into existing loan origination systems, the platform empowers credit unions and banks to automate a significant portion of their lending workflow, reducing the need for manual reviews while maintaining strict risk controls.

Products and Services

Zest AI offers a comprehensive suite of tools aimed at optimizing the entire lending lifecycle:

• AI-Automated Underwriting: The core platform that uses machine learning to build custom credit models. It is designed to increase approval rates without increasing risk and can automate a vast majority of the decision-making process.

• Zest Protect: A holistic fraud detection system that identifies first-party behavioral fraud and identity compromise in real-time, integrated directly into the underwriting workflow to minimize friction.

• Lending Intelligence: An AI-powered business intelligence suite that includes tools for peer benchmarking, financial analysis, and portfolio health checks using natural language queries.

• Fair Lending Tools: Specialized software that uses adversarial debiasing techniques to proactively identify and remove bias from lending models, helping institutions meet diversity and inclusion goals.

• Model Management System (MMS): An end-to-end platform for building, analyzing, and operating machine learning models with automated compliance documentation and model validation.

For more information, please visit www.zest.ai

Contact @ Zest AI

Kathryn Bonesteel | Email: knb@zest.ai