ZestFinance was founded by a team of (mostly) ex-Google and Capital One folks who came together with a mission – to save the underbanked billions of dollars. Since then, the team has grown to more than a hundred crazy smart data geeks, mathematicians and computer scientists, all working together to re-invent underwriting and make more credit available to the people who need it most.
 
Traditionally, underwriting has used a handful of variables. ZestFinance takes an entirely different approach to underwriting using machine learning and large-scale big data analysis.
 
With a team of some of the world’s best data scientists from Google and lending experts from Capital One, ZestFinance analyzes thousands of potential credit variables – everything from financial information to technology usage – to better assess factors like the potential for fraud, the risk of default, and the viability of a long-term customer relationship.