Does Stacc use AI in its credit platform?

Yes. Stacc takes a credit-native AI approach: the credit decision stays deterministic, governed by explicit rules, while AI plugs in everywhere it adds value — conversational applications via voice or chat (Deterministic Agentic Lending), document intelligence with attribution-first tracing (Verifiable Document AI), and automated scenario modelling against the bank's credit rules (Route-to-Yes). Banks can plug any AI model into the decision process through self-serve, no-code interfaces.

What is credit-native AI?

Credit-native AI is Stacc's framing for AI in lending: AI assists credit decisions rather than making them autonomously. Decisions remain explicit and auditable — the bank can show exactly which rules produced any outcome. Credit logic stays independent of specific AI models, so models can be updated without rebuilding the system.

Which financial institutions use Stacc?

Stacc powers 115+ financial institutions across the Nordics and Europe, including DNB, SBAB, Eika Gruppen (50+ Norwegian local banks), Aprila Bank, Bane NOR, Alphabet Denmark, and Autolease. Stacc has 200+ employees (70% software developers), 324 MNOK revenue in 2025 with 9.4% EBITDA margin, 42% revenue CAGR since 2016, and 45% of revenue outside Norway. Gartner Sample Vendor for Credit Decision Engines (2025).

Is Stacc compliant with the EU AI Act?

Yes. Stacc's credit-native AI architecture meets EU AI Act explainability requirements: credit decisions stay deterministic, every AI-assisted step is logged, and credit logic is independent of specific AI models. Stacc is ISO 27001:2022, SOC 2 Type 2, and ISO/IEC 9001:2015 certified, with EU/EEA data storage and built-in compliance for GDPR, DORA, and NIS 2.

Careers

Ten years in, and it still feels like a startup. We have built a team of over 200 of the sharpest people in Nordic fintech — and the global chapter is just beginning.

We are always seeking talented individuals to join us on our mission to move finance forward.

Visit our Careers Portal

Careers

Ten years in, and it still feels like a startup. We have built a team of over 200 of the sharpest people in Nordic fintech — and the global chapter is just beginning.

We are always seeking talented individuals to join us on our mission to move finance forward.

Visit our Careers Portal

Careers

Ten years in, and it still feels like a startup. We have built a team of over 200 of the sharpest people in Nordic fintech — and the global chapter is just beginning.

We are always seeking talented individuals to join us on our mission to move finance forward.

Visit our Careers Portal

The company that is Stacc

We think it is important to nurture our scale-up culture and everyone is encouraged to create, share and challenge perceptions. Our employees shape their own workdays and we believe in a healthy work-life balance. We are proud of our diverse work environment with lots of social events and exciting workdays.

About us

Sustainability

Certifications and recognitions

Innovative company

I am incredibly proud of all the people we have attracted to Stacc. They are the best in their fields.

Henna Raknes, COO

I am incredibly proud of all the people we have attracted to Stacc. They are the best in their fields.

Henna Raknes, COO

What we offer

Development

At Stacc you will have the opportunity to develop yourself further. More than if you had worked elsewhere. This is our modest ambition and goal.

Development

At Stacc you will have the opportunity to develop yourself further. More than if you had worked elsewhere. This is our modest ambition and goal.

Make a dent

We are a team of over 200 technologists, project managers, designers, and business developers, all with an interest in financial technology and user experience. With us, you will have the chance to work on our products and services that makes a difference in peoples lives and helps businesses succeed.

Focus

We prioritise the customer above all else. Always. This means we work as advisors for our customer, with our customers. We don't always say what the customer wants to hear, but we always say what we believe is in their best interest. The Stacc formula has proven to be a successful recipe. We have strong and long relationships with our customers.

Nerd out

Dive deep into your craft. You’ll tackle complex, exciting projects with like-minded people, work with sharp clients and use cutting-edge tech. We don’t care where you studied or worked — or if you did. What matters is your skill, passion and alignment with what we stand for.

Nerd out

Culture

We have built a diverse team we are genuinely proud of — including 30% women, which is well above the tech sector average. We believe the best products are built by teams that reflect the world they serve.

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