Zest AI

Build a thriving lending ecosystem with best-in-class AI. Zest AI helps credit unions make smarter, faster, and fairer lending decisions through advanced artificial intelligence. By analyzing thousands of data points beyond traditional credit scores, Zest AI enables credit unions to approve more members—especially those in underserved segments—without increasing risk. Their models are built with built-in compliance, full transparency, and explainable decisioning that aligns with credit union values.

With rapid deployment and automation capabilities, Zest AI allows credit unions to automate up to 80% of loan decisions, speeding up processing times and improving member experience. Institutions like Commonwealth Credit Union and All In Credit Union have used Zest to expand access to credit while reducing loss rates and manual workload.

Zest AI also offers tools like LuLu Pulse and Zest Protect, which use generative AI and embedded fraud detection to provide real-time insights, benchmark performance, and safeguard against identity fraud. As a credit union service organization (CUSO), Zest AI is purpose-built to help credit unions grow, compete, and serve their communities more effectively.

Solutions

• AI automated underwriting
• Fraud detection
• Generative AI-powered insights for lending strategy

CCUA member credit unions can request a no-obligation, custom proof of concept to see the real benefits and opportunities for your lending organization and members.