ZestFinance uses machine learning and data analysis to help lenders make more accurate credit underwriting decisions.
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ZestFinance is a financial services technology company that uses machine learning and large-scale big data analysis to help lenders make more accurate credit underwriting decisions. The result is increased credit availability for borrowers, particularly for millions of underbanked Americans, and higher repayment rates for lenders. The company was originally founded as ZestCash in September, 2009 by Douglas Merrill, the former Chief Information Officer of Google, and Shawn Budde, the former Head of Subprime Credit Cards at Capital One.