Case Study: Deserve achieves rapid, explainable credit scoring with H2O.ai Driverless AI

AI Drastically Improves Credit Scoring for Consumers

Deserve, a fintech focused on democratizing credit for students and underserved consumers, faced the challenge of building complex credit models—fraud detection, a self-scoring model, and alternate-data underwriting—using unlabeled and heterogeneous third‑party data while satisfying regulatory requirements for model explainability. To tackle this, Deserve partnered with H2O.ai and adopted H2O Driverless AI.

Using H2O.ai’s Driverless AI for automatic feature engineering, model selection and tuning, interpretability, and API-ready deployment, Deserve operationalized its use cases and integrated new signals of creditworthiness into production. The result: model development time fell from months to weeks, ML transparency improved to help meet regulatory needs, and the data science team’s productivity increased—demonstrable impacts attributed to H2O.ai’s platform.

Deserve

Kalpesh Kapadia

CEO and Founder