Zest AI is a financial technology company that applies machine learning and artificial intelligence to credit underwriting and risk modeling. The company provides lenders with tools to build, deploy, and manage more accurate and inclusive credit decisioning models, aiming to expand access to fair credit while managing risk. Zest AI primarily serves banks, credit unions, and other consumer lenders.
This is like giving a bank a super-smart calculator that has studied millions of past loans so it can help decide, in a split second, which new customers are safe to lend money to and on what terms.
This is like a much smarter credit officer that looks at hundreds of data points about a borrower—not just a credit score—and uses AI to predict who will actually repay a loan. Banks plug this brain into their lending so they can approve more good borrowers while keeping losses under control.
This is about using smart algorithms to decide who should get a loan, how much, and at what interest rate—by looking at far more data than a human could and doing it in seconds instead of days.
Think of Kaaj as an AI-powered underwriter that sits next to your credit team. It reads all the financial data, policies and historical loans, then automatically proposes whether to approve, decline or price a loan, while keeping a clear audit trail for regulators.
Imagine a super-fast, tireless credit analyst that has read millions of past loan files, market reports, and financial statements. It helps human underwriters decide who to lend to, on what terms, and with what risks—more quickly and consistently than a traditional team doing everything by hand.