Case Study: Stanford Federal Credit Union achieves faster, automated lending with Zest AI

Delivering technology as a service Experience success from the get-go

Stanford Federal Credit Union, a $4B credit union serving 87,000 members in Palo Alto, engaged Zest AI to automate its lending process and deliver a faster, higher-quality experience for its tech-first membership. Stanford FCU selected Zest AI’s AI credit underwriting and decisioning technology along with its dedicated Customer Success team to ensure smooth integration, explainable models, and regulatory readiness.

Zest AI deployed tailored underwriting models and a customer-success-led implementation to automate workflows — including fully automating the card product from application to issuance — and to optimize decisioning and credit policy for a touchless lending experience. As a result, Stanford FCU gained faster, more efficient service delivery to a broader segment of members while retaining exam-ready, explainable models and 24/7 support from Zest AI.

Stanford Federal Credit Union

Melissa Palwick

VP, Consumer Lending Operations