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.

Who we serve

Explore how our customers are moving finance forward

At Stacc, we empower financial institutions of all sizes to accelerate digital transformation, strengthen compliance and deliver seamless customer experiences.

Stacc serves banks, financing companies, financial & investment managers and invoice management firms. Our customers trust us to drive efficiency, innovation and commercial outcomes.

Request a Demo

Who we serve

Explore how our customers are moving finance forward

At Stacc, we empower financial institutions of all sizes to accelerate digital transformation, strengthen compliance and deliver seamless customer experiences.

Stacc serves banks, financing companies, financial & investment managers and invoice management firms. Our customers trust us to drive efficiency, innovation and commercial outcomes.

Request a Demo

Who we serve

Explore how our customers are moving finance forward

At Stacc, we empower financial institutions of all sizes to accelerate digital transformation, strengthen compliance and deliver seamless customer experiences.

Stacc serves banks, financing companies, financial & investment managers and invoice management firms. Our customers trust us to drive efficiency, innovation and commercial outcomes.

Request a Demo

Trusted by 115+ financial institutions, including Nordic Tier 1 banks

Banks

End-to-end credit and loan origination and management across mortgage, SMB & commercial lending, asset finance and consumer lending, as well as bank-wide compliance lifecycle management.

Impact that speaks for itself

100%

automation of mortgage application, approval and payout

+80%

reduction in loan cycle time at numerous institutions

300%

commercial gain in 4 months at a Tier 1 bank

99%

faster origination at one institution: from 3 months to 10 minutes average

Financing companies

Credit and lending solutions across asset finance, SMB commercial lending, consumer lending and embedded finance for specialised financing companies, such as vehicle leasing companies, fleet & mobility based finance providers and public financing bodies.