Zest
Zest AI provides credit underwriting, fraud detection, and lending intelligence for financial institutions. Lenders use it to automate credit decisions, screen applications, and monitor borrower risk across their portfolios.
Who it's for
- Credit union lending teams seeking to automate underwriting and improve member application experiences.
- Bank risk and data teams looking for AI-supported credit decisions, fraud detection, and portfolio monitoring.
- Specialty lenders seeking faster, more accurate decisions at the point of sale.
How it fits your workflow
A financial institution works with Zest AI to define a proof of concept tailored to its needs. Zest AI creates models customized to the institution’s data and initiatives.
The teams implement and integrate the solution for use in lending workflows. Underwriting risk scores can be delivered within the lender’s LOS; other use cases include application screening and portfolio risk assessment.
After launch, dedicated AI advisors work with the institution to optimize and monitor its models. LuLu provides conversational AI for lending and operational questions.
Pricing
The vendor doesn't publish prices. Check with Zest directly.
Prices checked on Oct 29, 2026 from the vendor's site. They can change; confirm before you buy.
Key features
- Credit underwriting
- Tailored, explainable credit decisioning models help financial institutions automate credit decisions. Risk scores can be delivered within a lender’s loan origination system (LOS).
- Fraud detection
- Custom fraud detection models and a consortium are used to identify and prevent fraud, including suspicious applications.
- LuLu lending intelligence
- Conversational AI turns lending and operational questions into solutions, with the page stating that users can get insights within minutes.
- Acquisition support
- Supports pre-screen, pre-qualification, and pre-approval campaigns to help lenders find opportunities within their existing portfolios.
- Portfolio risk assessment
- Continuously assesses changes in borrower credit risk across a lender’s portfolio to help maintain portfolio health.
- Customized models and ongoing advice
- Zest AI creates models customized to an institution’s data and initiatives and offers dedicated AI advisors to optimize and monitor models.
Getting started
- Contact Zest AI to discuss the institution’s lending needs.
- Receive a proof of concept tailored to the institution.
- Work with Zest AI on implementation and integration to go live.
- Customize models to the institution’s data and initiatives, then work with dedicated AI advisors on optimization and monitoring.