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CUNA is now America’s Credit Unions.
A stronger voice to advance the credit union industry.

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Zest AI

Powerful AI for credit and lending

Who is Zest AI?

Zest AI is a mission-driven software company that helps credit unions and banks answer their most important question: Who do I lend to? Zest’s Model Management System lets lenders break the limitations of traditional credit scores to identify good borrowers overlooked by legacy techniques.

Zest has been on a mission to make fair and transparent credit available to all since 2009 and are pioneers in the safe use of AI in credit underwriting.

How a strategic alliance with Zest AI benefits credit unions

Lenders using Zest-built models have seen, on average, a 15% increase in approval rates with no added risk, up to 30% reductions in charge-offs, and significant improvements in automation and inclusive lending. 

Why choose Zest AI

Zest AI is a leader in inclusive lending, enabling credit unions to say yes to more members and responsibly extend credit to more borrowers. With Zest’s software, credit unions get everything they need for effective credit model management and easy AI adoption, helping them compete with big banks and other lenders. Models built with Zest outperform generic credit scores and custom-built scorecards with model explainability deemed the gold standard by regulators. In addition, Zest AI’s software automation makes AI-driven lending swift and easy regardless of experience. Nobody offers power, compliance, speed, and ease all in one place like Zest.

  • Powerful
  • Compliant
  • Swift
  • Easy

Connect with Zest AI

Talk to one of our CUNA Strategic Services alliance managers to learn more about Zest AI. We’ll help you identify and evaluate the best solution for your credit union. 

Zest AI has exclusive pricing and solutions reserved for CUNA Strategic Services and the credit unions and leagues we work with.

on-demand webinar

Unlocking Proven AI Underwriting for Smaller Credit Unions

Zest AI

June 27, 2023

Learn about the truth behind AI-automated credit underwriting and how to make better use of the data you already have.

case study

Fast, Consistent Loan Decisions With First Service Credit Union First Service

Zest AI

February 17, 2022