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.
Zest AI’s strategy centers on using explainable machine learning to improve credit underwriting accuracy and fairness for financial institutions. It focuses on providing end‑to‑end tooling for model development, governance, and compliance, enabling lenders to adopt AI-driven credit models that meet regulatory expectations while expanding approval rates and managing risk.