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.

Adoption at Stacc means realising value from Day 1 and beyond. Our services ensure your institution achieves rapid Time-to-Value, stability, performance and continuous improvement for lasting success.

How does Stacc ensure security and compliance?

Stacc is ISO 27001 and SOC 2 certified with EU/EEA data storage, end-to-end encryption, and comprehensive audit trails. All solutions are designed to meet Nordic regulatory requirements.

Does it integrate with existing banking systems?

Yes, Stacc's API-native architecture provides pre-built integrations for major banking and financial systems, enabling rapid deployment and customisation.

Adoption

Realising your value potential after Go-Live

We help you increase automation at your own pace.

Adoption at Stacc means capturing business value right away and compounding it long after Go-Live. Our adoption services are designed to ensure your institution unlocks full value and rapid Time-to-Value of your solution, with a focus on stability, performance and continuous improvement.

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Visit Trust Center

Adoption

Realising your value potential after Go-Live

We help you increase automation at your own pace.

Request Demo

Trust Center

Adoption

Realising your value potential after Go-Live

We help you increase automation at your own pace.

Request a Demo

Visit Trust Center

Adoption in numbers

30%

NPS across customers (2025 customer survey)

300%

commercial gain in 4 months at a Tier 1 bank

90%

reduction in credit quoting time at multiple asset financiers

Adoption services

How we can help

Continuous maintenance and upgrades

Stay current with technical updates, security patches and compliance enhancements delivered through our managed service model — with minimum disruption.

Continuous maintenance and upgrades

Stay current with technical updates, security patches and compliance enhancements delivered through our managed service model — with minimum disruption.

Data-driven insights

Harness analytics and reporting to uncover efficiencies, optimise performance and drive measurable outcomes.

Data-driven insights

Harness analytics and reporting to uncover efficiencies, optimise performance and drive measurable outcomes.

Strategic partnership

Partner with experts who understand credit and lending, aligning technology to your growth, efficiency and innovation objectives.

Strategic partnership

Partner with experts who understand credit and lending, aligning technology to your growth, efficiency and innovation objectives.

Innovation and automation at your own pace

Tap into modern capabilities and product innovations when it fits your roadmap, helping you adapt while keeping control of change.

Innovation and automation at your own pace

Tap into modern capabilities and product innovations when it fits your roadmap, helping you adapt while keeping control of change.

Training and enablement

Keep teams confident and productive with ongoing training, smooth onboarding for new users and clear documentation.

Training and enablement

Keep teams confident and productive with ongoing training, smooth onboarding for new users and clear documentation.

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Turn innovation into impact

The future of financial services doesn’t wait. With Stacc, you gain a partner committed to accelerating outcomes, simplifying complexity and ensuring your technology works harder for you every day.