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.

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.

Implementation

New lending software shouldn’t take years to implement

Implementation at Stacc is fast, reliable and proven with Tier 1 institutions. We enable measurable value in weeks, not years — with a DNA to always deliver.

With high-automation templates, pre-built components, deep industry expertise, standard project operations and a structured yet flexible process, we guide you seamlessly from planning to Go-Live, ensuring secure, compliant and scalable results you can trust.

Request a Demo

Visit Trust Center

Implementation

New lending software shouldn’t take years to implement

Implementation at Stacc is fast, reliable and proven with Tier 1 institutions. We enable measurable value in weeks, not years — with a DNA to always deliver.

Request Demo

Trust Center

Implementation

New lending software shouldn’t take years to implement

Implementation at Stacc is fast, reliable and proven with Tier 1 institutions. We enable measurable value in weeks, not years — with a DNA to always deliver.

Request a Demo

Visit Trust Center

Implementation timeline

Deliver business value in record-time

Our structured and flexible implemantion process

4-6 weeks

4-6 months

Launch

4-6 weeks

Pre-study

Customer journey mapping
Journey mapping of case handlers and other bank stakeholders
Process specifications
Functional and technical requirements
Mapping of modules, integrations and infrastructure
Scope & implementation plan
Proof of Concept and Proof of Value
Contracting and kick-off

4-6 months

Implementation

Setup custom cloud instances
Core banking integration and data mapping
Software installation
Configuration of business rules, processes, case handlers, branding, etc.
Third-party integrations
Customer integrations (e.g. data warehouse, credit scoring, CRM, insurance)
Training of super users
Organisational change management
Testing and acceptance

Boom

Launch

Go-Live

Rollout of the new solution
We ensure flawless and transparent operations
Hypercare monitoring and proactive support
Ensure best practices to maximise business impact right away
Customer success management

Example timeline - actual timelines vary based on scope

Explore how we bring Superior Time-to-Value

Proof in action

Proven implementation timelines

We have demonstrated that we can deliver highly automated, complex lending solutions across origination and servicing in very short time as well as complex rollouts across multiple markets in just a few months.

implementation to become a Top 2 asset financier within 12 months

12w

mortgage underwriting rollout at 11 banks

16w

consumer loan origination, servicing and deposits across 4 markets

22w

fully automated commercial loan origination across 4 markets

Explore our research on implementation success

View all research

The Stacc way of working

Evaluating Buy or Build for Mortgage Origination Software

De-risking procurement in digital banking transformation projects

Request a Demo

Achieve results in weeks, not years

From highly automated, complex credit processes to multi-market rollouts — explore how Stacc’s speed and expertise deliver impact you can measure right away.