Zest is one of the fastest growing financial technology startups in the United States. Founded by Douglas Merrill, former CIO at Google, Zest is a tech platform that applies Google-like math to credit decisions.
This new technology is able to consume vast amounts of data to more accurately identify good borrowers — enabling higher repayment rates for lenders and lower-cost credit for consumers.
At ZestFinance, there is no human interaction of any kind involved in underwriting. Instead, we rely on several mathematical models running in parallel to make underwriting decisions. While many creditors take hours, or even days, to make credit decisions, we make them — accurately — in less than 10 seconds.