Case Study: Washington State Employees Credit Union boosts auto decision automation with Zest AI

Washington State Employees Credit Union automates 70% of direct auto decisions with Zest AI

Washington State Employees Credit Union (WSECU) faced mounting application volumes and needed a solution to sustain its lending business growth. The credit union required tools to increase efficiency, handle the flow of applications, and ensure equitable outcomes. WSECU partnered with Zest AI to implement its AI credit underwriting technology to achieve more accurate, explainable, and compliant automated lending decisions.

By deploying Zest AI's underwriting technology, WSECU automated 70% of its direct auto loan decisions and 40% of its indirect auto applications within the first six months. The solution provided deeper insights for underwriters and expanded access to affordable credit. Zest AI delivered significant results, including a 19% average reduction in delinquencies and major efficiency gains, particularly during internal audits due to robust documentation.

Washington State Employees Credit Union