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.

What is consumer lending software?

Consumer lending software automates the entire loan origination process for unsecured personal loans, from application intake through credit decisioning to disbursement. Stacc's solution handles refinancing, revolving credit, and integrates with credit bureaus for automated scoring.

How does automated loan origination work?

Stacc's ApplicationWeb enables fully automated processing by retrieving third-party data for credit scoring, running PEP and sanctions screening, performing KYC checks, and making instant credit decisions. Approved loans can be processed without manual intervention.

What compliance features are included?

Built-in KYC/AML compliance with automated PEP and sanctions list screening, transaction monitoring, audit trails, and GDPR-compliant data handling. ISO 27001 certified infrastructure ensures data security.

Consumer loans and credits

Fast. Flexible. Automated. Efficient.

Stacc Consumer Lending offers automated loan origination, task-based case management and smart loan servicing. Handle the entire loan lifecycle with the speed and control you need.

Request a Demo

Consumer loans and credits

Fast. Flexible. Automated. Efficient.

Stacc Consumer Lending offers automated loan origination, task-based case management and smart loan servicing. Handle the entire loan lifecycle with the speed and control you need.

Request a Demo

Consumer loans and credits

Fast. Flexible. Automated. Efficient.

Stacc Consumer Lending offers automated loan origination, task-based case management and smart loan servicing. Handle the entire loan lifecycle with the speed and control you need.

Request a Demo

Get to market fast

Fully automated

Cloud native, API first

Scalable for all

Consumer loans and credits

We support most types of unsecured consumer financial products

Stacc Consumer Lending software provides an end-to-end solution for unsecured loans, tailored to local requirements.

Unsecured loans

Solve your clients needs, no collateral required.

Forbrukslån (Norway)

Blankolån (Sweden)

Kulutuslaina (Finland)

Forbrugslån (Denmark)

Préstamo personal (Spain)

Refinancing

Merge loans and improve conditions effectively

Refinansieringslån (Norway)

Samlingslån (Sweden)

Jälleenrahoitus (Finland)

Refinansieringslån (Denmark)

Refinanciamiento (Spain)

Revolving credit

Flexible funds, whenever your clients need them.

Rammekreditt (Norway)

Kontokredit (Sweden)

Joustava luotto (Finland)

Revolving kredit (Denmark)

Crédito rotativo (Spain)

Don’t let your systems slow you down

Get to market fast. Real fast.

In a fast-paced and highly competitive business, time to market and time to money can be the competitive advantages that set your business ahead of the competition.

Release new products and adapt quickly to customer needs

Provide your customers with ultrafast application feedback

Easily adapt to regulatory requirements

Reduce manual tasks

Fully automated origination.

Our software allows your origination processes to be fully automated, changeable and adaptable. Gradually transition from existing legacy solutions at your own pace.

Mix automation, robotics (RPA) and manual tasks in the same process

Identify bottlenecks and increase conversion rates

Test and adapt business rules on the go

Connect to anything

Cloud native, API first.

Our solution is “born in the cloud” and leverages all the benefits of secure & compliant cloud technology.

Full API support

Extensive service catalogue with hundreds of 3rd party integration partners

Change and improve continously without delay

Flexible fit

Scalability for all.

Whether you’re a small business or an enterprise-level organization, our solutions grow with you. Our customers’ solutions range from complex big tickets with built-in manual steps to fully automated credit processes handling millions of applications.

Consumer lending

Design the perfect customer journey

Merge great user experiences with efficient case management

Loan Origination

Get quality applications with more automation

Tailor the origination process to your needs with ease, utilizing best practice templates for optimal efficiency.

Our platform is automation- and optimization-friendly, empowering the streamlining of operations and productivity.

With automatic reminder features, keep track of key milestones effortlessly, ensuring no critical steps are missed.

Product Setup

Innovate and launch new value propositions

Transform your product setup process with our Consumer Lending solution, enabling you to innovate and launch new value propositions effortlessly.

Define terms and conditions, configure interest rates and fees, and select loan features without the need for developers.

Our user-friendly platform puts you in control, streamlining the setup process and allowing you to bring your ideas to life quickly and efficiently

Case Management

Task based case management, no training required

Our Case Management solution offers an easy-to-use task-based workflow, with no training required. Get a centralized view of all applications for efficient decision-making.

Easily assign roles and tasks to increase productivity and accountability.

Reach out to clients directly from the case management interface, facilitating smooth communication.

Enable clients to add missing documentation to their application, enhancing transparency and expediting the process.

Loan Servicing

Add value and flexibility to existing borrowers

Simplify the loan servicing experience with a solution designed for flexibility.

Our self-service platform empowers end-users to self-service their accounts seamlessly, providing transparency and control through personalized MyPage dashboards.

With simplified repayment processes, borrowers can effortlessly make payments, while flexible structures accommodate various financial needs and circumstances.

Loan Origination

Get quality applications with more automation

Tailor the origination process to your needs with ease, utilizing best practice templates for optimal efficiency.

Our platform is automation- and optimization-friendly, empowering the streamlining of operations and productivity.

With automatic reminder features, keep track of key milestones effortlessly, ensuring no critical steps are missed.

Case Management

Task based case management, no training required

Our Case Management solution offers an easy-to-use task-based workflow, with no training required. Get a centralized view of all applications for efficient decision-making.

Easily assign roles and tasks to increase productivity and accountability.

Reach out to clients directly from the case management interface, facilitating smooth communication.

Enable clients to add missing documentation to their application, enhancing transparency and expediting the process.

Product Setup

Innovate and launch new value propositions

Transform your product setup process with our Consumer Lending solution, enabling you to innovate and launch new value propositions effortlessly.

Define terms and conditions, configure interest rates and fees, and select loan features without the need for developers.

Our user-friendly platform puts you in control, streamlining the setup process and allowing you to bring your ideas to life quickly and efficiently

Loan Servicing

Add value and flexibility to existing borrowers

Simplify the loan servicing experience with a solution designed for flexibility.

Our self-service platform empowers end-users to self-service their accounts seamlessly, providing transparency and control through personalized MyPage dashboards.

With simplified repayment processes, borrowers can effortlessly make payments, while flexible structures accommodate various financial needs and circumstances.

What we did for Avida Finance

Stacc delivers a complete solution supporting all of Avida’s lending and deposit products, including origination, automation and case handling across the Nordics.

Consumer Lending & Deposits

Corporate Lending

Read Avida Finance success story

Loan Origination and Case Management

Accelerate incoming applications

Visual onboarding process

Based on industry-standard BPMN diagrams
Everyone can see and understand the application process and all data sources and decisions
Visual, changeable, optimizable

Based on industry-standard BPMN diagrams
Everyone can see and understand the application process and all data sources and decisions
Visual, changeable, optimizable