Zest AI

What is Zest AI?

Zest AI sells AI software for lending decisions, fraud prevention and lending strategy. Its credit underwriting product builds risk scores tailored to each product line to automate credit decisions, with a focus on explainable decisions that keep risk constant.

Key capabilities of Zest AI

• Credit underwriting: custom risk scores per product line to automate decisions.
• Fraud detection: custom models plus a consortium, with real-time signals.
• LuLu lending intelligence: a conversational AI tool for lending and operational questions.
• Acquisition: supports pre-screen and pre-approval campaigns.
• Application screening: scores applications as they arrive.
• Portfolio risk monitoring: tracks risk across existing loans.

How Zest AI works

Zest builds custom models for a lender's products and delivers risk scores within the lender's loan origination system. Decisions are explainable, so lenders can see what drove a score. Fraud models combine a lender's custom model with a consortium of signals.

Who uses Zest AI?

Zest AI targets credit unions, banks and specialty lenders, including point-of-sale lenders. The vendor names Citi, Truist and Suncoast Credit Union as customers and reports 100M+ credit decisions and 1,500+ active models.

Zest AI pricing

Zest AI does not publish pricing; it is quote-based. Prospects are directed to contact the company.

Zest AI alternatives

Scienaptic is another AI credit decisioning platform for lenders, making it the closest comparison. HighRadius sells AI for accounts receivable and treasury, so it addresses a different finance job. Numeric focuses on accounting close automation. Zest differs by concentrating on lending decisions and fraud.