Case Study: Large Financial Institution achieves 50% efficiency gains and 5–10% revenue uplift with Zest AI

An Overlooked Investment for Profitable Growth

Large Financial institution was facing outdated underwriting and manual decisioning that left it vulnerable to fintech competition, regulatory constraints, and large segments of credit‑invisible consumers. To modernize credit decisions and capture untapped growth, the institution engaged Zest AI to introduce AI‑driven underwriting and automated decisioning.

Zest AI implemented advanced AI and analytics to automate underwriting decisions, unlocking richer insights from existing data and replacing manual processes. As a result, the bank achieved industry‑backed gains—around a 50% increase in efficiency and an estimated 5–10% revenue uplift from automation—while improving risk prediction and expanding access to previously credit‑invisible customers.