Founded in 2009 by Douglas Merrill (former CIO of Google) and Shawn Budde, ZestFinance was created with the mission to make fair and transparent credit accessible to everyone. The company develops and provides advanced, machine learning-based software that helps banks, credit unions, and other financial institutions make more accurate and equitable lending decisions. By analyzing vast amounts of data, their technology aims to increase loan approvals for a wider range of applicants, including those with limited credit histories, without increasing risk for the lender. In 2019, the company rebranded to Zest AI to better reflect its core focus on artificial intelligence technology for the lending industry.

Founded in

United States