Zest AI provides AI-powered software that helps lenders modernize credit underwriting, automating credit decisions with reported auto-decisioning rates of 70-83% while emphasizing fairness across protected classes. Its suite spans AI-automated underwriting, application fraud detection and lending intelligence for portfolio strategy, running over 600 active models for credit unions, banks and specialty lenders. Named to CNBC's 2025 World's Top FinTech Companies, Zest AI completed an oversubscribed growth financing round at a sharply higher valuation, with investors including Citi Ventures and multiple large credit unions, to expand adoption of AI lending across the industry.