Zest AI applies machine learning across thousands of variables rather than the narrow inputs of legacy scorecards, identifying creditworthy borrowers that traditional models overlook - particularly thin-file applicants and underserved communities. Its models are built on explainable AI for regulatory transparency and bias reduction, and integrate into existing loan origination systems.

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.